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Bank Holding Companies with Highest Concentration in Home Equity Loans

Published February 12, 2004, 10:08 a.m. EST
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Updated January 02, 1970, 9:08 a.m. EST
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Bank Holding Companies with Highest Concentration in Home Equity Loans

Bank Holding Companies with Highest Concentration in Home Equity Loans
As of Sept. 30, 2003. Dollars in thousands
Published Date
Related Table: Biggest Increase from Year Earlier
    Concentration* Home equity loans Domestic loans and leases
Sept. '03 Year earlier Sept. '03 Vs. year earlier
1 Five Flags Banks Inc. Pensacola, Fla. 54.03% 59.20% $15,482 -14.55% $28,642
2 First American Bank Corp. Elk Grove Village, Ill. 32.98 28.07 472,463 19.85 1,432,616
3 Heritage Community Bancorp Riverdale, Ill. 28.43 32.68 49,904 -11.01 175,508
4 Cornerstone Bancorp Inc. Palatine, Ill. 27.35 .NA 32,137 .NA 117,374
5 Fremont Bancorp. Calif. 26.19 22.48 293,928 15.58 1,121,192
6 First Tennessee National Corp. Memphis 21.7 14.62 3,526,185 63.88 16,247,118
7 City Holding Co. Cross Lanes, W.Va. 21.2 14.46 263,357 47.98 1,242,141
8 Western Springs Bancorp Inc. Hoffman Estates, Ill. 20.76 24.28 27,422 -8.59 132,077
9 Edville Bankcorp Inc. Villa Park, Ill. 19.94 18.33 34,786 23.92 174,421
10 First Northwest Bancorp Inc. Arlington Heights, Ill. 19.55 15.65 30,167 33.96 154,308
11 Community Financial Shares Glen Ellyn, Ill. 19.15 18.01 26,569 -0.17 138,723
12 First Evanston Bancorp Inc. Evanston, Ill. 19.14 18.25 51,980 17.4 271,511
  Commonwealth Bancshares Inc. Louisville 19.14 10.44 76,978 70.66 402,276
14 First Citizens Bancshares Raleigh 19.06 16.75 1,530,096 21.48 8,026,503
15 Carrollton Bancorp Baltimore 18.83 20.62 37,664 -13.52 200,074
16 Alliance Bankshares Corp. Chantilly, Va. 18.72 20.94 25,165 24.34 134,436
17 South Coastal Holdings Rockland, Mass. 18.5 8.73 22,722 202.84 122,850
18 First Indiana Corp. Indianapolis 18.46 16.11 336,929 13.23 1,825,308
19 Falmouth Bancorp Inc. Mass. 18.38 13.81 15,452 16.61 84,080
20 Bridge Bancorp Inc. Bridgehampton, N.Y. 18.04 16.35 47,585 22.35 263,805
21 Paramount Bancorp Inc. Farmington Hills, Mich. 17.9 .NA 26,089 .NA 145,766
22 First and Ocean Bancorp Newburyport, Mass. 17.45 17.12 36,619 17.06 209,827
23 Somerset Hills Bancorp Bernardsville, N.J. 17.27 NA 24,837 .NA 143,666
24 NC Bancorp Inc. Chicago 17.2 .NA 20,037 .NA 116,494
25 First Charter Corp. Charlotte 17.16 13.21 364,435 23.09 2,124,075
26 AmSouth Bancorp. Birmingham, Ala. 16.98 15.38 4,972,052 22.74 29,281,189
27 Elmwood Financial Corp. Racine, Wis. 16.88 12.68 26,008 26.26 154,035
28 Foster Bankshares Inc. Chicago 16.08 14.15 35,477 20.39 220,636
29 TriCo Bancshares Chico, Calif. 16.01 16.51 148,878 31.9 930,041
30 First Oak Brook Bancshares Ill. 15.83 12.93 138,911 13.68 877,524
31 Executive Banking Corp. Miami 15.77 13.7 15,435 0.33 97,686
32 A. E. Bancorp Buffalo Grove, Ill. 15.71 .NA 24,291 .NA 154,654
  NVE Bancorp MHC Englewood, N.J. 15.71 9.42 41,673 41.5 265,257
34 MidCarolina Financial Corp. Burlington, N.C. 15.59 .NA 26,333 .NA 168,926
35 Countrywide Financial Corp. Calabasas, Calif. 15.56 6.18 7,493,297 863.72 48,168,878
36 Columbia Bancorp Columbia, Md. 15.51 12.18 125,901 52.1 811,246
37 F&M Financial Corp. Granite Quarry, N.C. 15.45 14.45 43,834 12.09 283,227
38 Citrus and Chemical Bancorp. Bartow, Fla. 15.43 13.03 47,954 28.03 310,786
39 Irwin Financial Corp. Columbus, Ind. 15.35 17.87 638,678 0.63 3,997,018
40 Center Bancorp Inc. Union, N.J. 15.32 6.13 47,279 240.04 308,634
41 Associated Community Bancorp Greenwich, Conn. 15.25 16.84 30,486 13.28 199,886
42 Northview Financial Corp. Northfield, Ill. 15.17 15.74 38,340 -9.16 252,762
43 Riverside Gulf Coast Banking Co. Cape Coral, Fla. 15.11 8.15 28,538 134.23 188,795
44 Jacksonville Bancorp Inc. Fla. 14.8 .NA 21,078 .NA 142,452
45 Wintrust Financial Corp Lake Forest, Ill. 14.33 13.66 438,006 23.68 3,046,932
  KeyCorp Cleveland 14.33 12.68 8,990,478 12.62 59,546,587
47 Provident Financial Group Cincinnati 14.05 7.23 1,342,146 74.1 9,551,366
48 Palos Bancshares Inc. Palos Heights, Ill. 14.01 11.58 27,245 30.97 194,525
49 New Mexico Banquest Corp. Santa Fe 13.91 10.94 33,188 35.62 238,583
50 Devon Bancorp Inc. Chicago 13.69 12.57 22,875 7.39 166,967
51 Cardinal Financial Corp. McLean, Va. 13.62 11.84 39,713 55.04 291,596
52 Huntington Bancshares Inc. Columbus, Ohio 13.59 11.82 2,932,361 19.22 21,570,492
53 Villages Bancorp Inc. Lady Lake, Fla. 13.55 8.81 21,584 73.41 159,265
54 Cambank Inc. Lake Zurich, Ill. 13.32 9.88 24,510 63.86 183,679
55 Illinois State Bancorp Inc. Wheaton 13.29 NA 17,519 NA 131,834
56 Prospect Bancshares Inc. Worthington, Ohio 13.24 NA 22,253 NA 168,095
57 Northern Michigan Corp. Escanaba 13.17 NA 15,787 NA 119,745
58 CNLbancshares Inc. Orlando 13.07 NA 23,509 NA 179,149
59 Fidelity BancsharesFuquay-Varina, N.C. 13.04 12.58 96,703 6.46 741,625
60 Harleysville National Corp. Pa. 12.92 8.45 178,046 56.81 1,377,682
61 BWC Financial Corp. Walnut Creek, Calif. 12.87 16.92 44,341 -7.41 342,832
62 First Business Bancorp Chicago 12.84 NA 11,386 NA 88,708
63 Heartland Bancshares Inc. Franklin, Ind. 12.83 10.3 15,203 11.79 118,510
64 Banknorth Group Inc. Portland, Maine 12.82 10.72 2,057,444 38.6 16,054,470
65 Southern Community Financial Corp. Winston-Salem, N.C. 12.8 12.09 63,578 28.06 496,810
66 Franklin Resources Inc. San Mateo, Calif. 12.69 20.49 62,261 -35.19 479,531
67 Patriot National Bancorp Stamford, Conn. 12.67 18.32 26,655 -4.47 210,397
68 Alpine Banks of Colorado Glenwood Springs 12.61 10.77 110,646 39.07 875,331
69 Monmouth Community Bancorp Long Branch, N.J. 12.6 0 13,295 NA 105,546
  West Tennessee Bancshares Bartlett 12.6 7.15 27,040 65.1 206,765
71 Republic Bancorp Inc. Louisville 12.5 11.69 195,516 32.86 1,563,652
72 Ogle County Bancshares Inc. Rochelle, Ill. 12.47 6.92 8,824 66.58 70,756
73 Metro Bank Financial Services Miami 12.39 10.87 17,602 13.41 141,722
74 Heritagebanc Inc. Chicago Heights, Ill. 12.38 11.91 17,984 29.65 145,292
75 Community Bank Corp. Park Ridge, Ill. 12.37 10.77 14,782 38.45 119,367
Commerce Bancorp Inc. Cherry Hill, N.J. 12.37% 9.23% $859,048 65.39% $6,943,515
77 Northwest Suburban Bancorp Mount Prospect, Ill. 12.32 11.15 33,238 32.73 269,844
78 Citizens Bancshares Hutchinson, Minn. 12.3 NA 10,075 NA 81,904
79 National Bank of Indianapolis Corp. 12.29 11.77 71,495 21.06 581,814
80 Great Lakes Financial Resource Inc. Matteson, Ill. 12.24 14.2 45,071 -3.24 368,209
81 Citizens Bancorp Inc. Newport, Ky. 12.22 NA 15,747 NA 128,885
82 Resource Bancshares Inc. De Kalb, Ill. 12.16 4.74 17,035 164.85 140,116
83 F.N.B.C. of La Grange Inc. Ill. 12.15 11.74 29,910 15.14 246,272
84 Union National Financial Corp. Mount Joy, Pa. 12.1 6.67 24,783 82.6 204,841
85 TCF Financial Corp. Wayzata, Minn. 12.08 10.56 1,038,296 14.12 8,598,296
86 First National Lincoln Corp. Damariscotta, Maine 12.07 7.08 46,475 97.06 384,916
First Citizens Bancorp Columbia, S.C. 12.07 12.27 343,972 18.29 2,849,352
88 Greenville First Bancshares S.C. 12.02 NA 22,634 NA 188,351
89 Sterling Financial Group Inc. Rochester, Minn. 12.01 8.01 27,605 37.56 229,783
90 Fifth Third Bancorp Cincinnati 11.96 11.2 6,378,095 18.88 53,308,942
91 High Country Financial Corp. Boone, N.C. 11.93 10.68 18,568 35.9 155,415
92 Lake Elmo Bancshares Inc. Minn. 11.89 9.05 18,639 34.83 156,763
93 Pinnacle Bankshares Corp. Altavista, Va. 11.87 8.48 17,418 53.54 146,602
94 RCB Corp. Sacramento 11.85 8.39 37,250 43.32 314,247
National Commerce Financial Corp. Memphis 11.85 9.6 1,574,779 28.29 13,287,637
96 First Litchfield Financial Corp. Conn. 11.81 10.54 22,040 8.76 186,699
97 Tampa Banking Co. 11.77 10.23 46,954 26.29 398,915
98 Community Bancorp Inc. Hudson, Mass. 11.72 14.15 27,231 -3.72 232,355
99 Sturgis Bancorp Inc. Mich. 11.68 8.05 25,389 39.06 217,286
100 McLeod Bancshares Inc. Shorewood, Minn. 11.62 9.37 17,093 35.93 147,162
101 Stillman Bancorp Inc. Stillman Valley, Ill. 11.61 8.19 16,872 33.21 145,000
102 Unizan Financial Corp. Canton, Ohio 11.58 9.87 224,787 18.61 1,941,353
  Shore Financial Corp. Onley, Va. 11.58 10.46 15,367 28.05 132,691
104 Taylor Capital Group Inc. Wheeling, Ill. 11.54 11.66 218,153 1.39 1,890,783
  Leesport Financial Corp. Wyomissing, Pa. 11.54 6.77 39,342 72.21 341,029
106 Ambanc Financial Services Beaver Dam, Wis. 11.53 NA 11,049 NA 91,990
107 Washington Trust Bancorp Westerly, R.I. 11.48 9.8 106,075 41.17 924,095
108 Republic Bancshares Inc. St. Petersburg, Fla. 11.42 8.69 187,219 45.32 1,639,483
109 HPK Financial Corp. Chicago 11.32 10.55 11,965 4.74 105,336
110 United Bankshares Inc. Charleston, W.Va. 11.26 9.12 444,545 19.08 3,949,638
111 FNB Financial Services Corp. Reidsville, N.C. 11.19 9.58 62,957 18.53 562,742
112 First of Long Island Corp. Glen Head, N.Y. 11.13 11.47 33,064 16.19 296,330
113 Wells Fargo & Co. San Francisco 11.12 8.48 32,745,000 64.97 291,163,000
  Highland Bancshares Inc. Bloomington, Minn. 11.12 9.24 22,393 30.91 201,349
Alliance Financial Services Inc. St. Paul 11.12 8.13 33,495 48.6 301,139
  Charter One Financial Inc. Cleveland 11.12 10.15 3,166,863 20.48 28,472,683
117 Capital Bancorp Inc. Nashville 11.11 9.31 21,970 33.51 197,469
118 Shore Bancshares Inc. Easton, Md. 11.07 10.16 50,980 14.75 459,941
119 Abington Bancorp Inc. Mass. 11.05 7.93 44,351 30.9 401,427
  Norway Bancorp MHC Maine 11.05 8.04 48,992 47.82 443,420
121 Plymouth Bancorp Inc. Wareham, Mass. 11.02 8.12 78,443 31.87 712,106
122 New Lenox Holding Co. Ill. 10.97 6.61 60,322 86.61 549,020
123 Central Bancshares Inc. Golden Valley, Minn. 10.96 9.68 23,071 29.09 210,566
124 Hawaii National Bancshares Honolulu 10.94 10.9 29,022 7.37 263,997
125 Annapolis Bancorp Inc. Md. 10.87 8.5 16,787 36.05 154,391
126 Eagle Bancorp Inc. Bethesda, Md. 10.79 12.87 31,167 8.86 288,931
127 F&M Financial Corp. Clarksville, Tenn. 10.71 9.28 37,668 36.66 351,785
128 Lakeland Bancorp Inc. Oak Ridge, N.J. 10.7 8.61 87,546 45.12 818,465
129 Continental Mortgage Corp. Aurora, Ill. 10.68 10.31 9,958 -12.01 93,227
130 Fentura Financial Inc. Fenton, Mich. 10.64 9.63 25,375 17.28 238,384
  Macon Bancorp Franklin, N.C. 10.64 8.38 50,555 40.66 473,023
132 Lincolnwood Bancorp Inc. Ill. 10.63 10.07 15,900 -3.97 149,588
133 First Volunteer Corp. Chattanooga, Tenn. 10.62 6.19 34,100 67.37 321,147
134 Columbiana Bancshares Inc. Ala. 10.53 10 15,059 11.24 142,966
135 First Bancorp of Durango Colo. 10.46 8.92 18,150 22.12 173,118
136 KS Bancorp Kenly, N.C. 10.45 9.86 15,724 2.76 150,426
137 Excelsior Financial Services Shorewood, Minn. 10.33 NA 13,351 NA 129,126
138 LSB Bancshares Inc. Lexington, N.C. 10.3 9.59 69,402 14.59 673,719
  LNB Bancorp Inc. Lorain, Ohio 10.3 9.44 55,631 17.53 540,184
140 First Security Group Inc. Chattanooga, Tenn. 10.28 8.73 45,957 58.12 446,578
141 West Coast Bancorp Lake Oswego, Ore. 10.22 7.04 122,902 51.9 1,202,976
142 Provident Bankshares Corp. Baltimore 10.21 8.03 277,243 30.64 2,714,683
143 Camden National Corp. Maine 10.2 8.65 97,488 48.69 953,492
144 First National Corp. Columbia, S.C. 10.15 8.59 96,397 30.36 949,304
145 Bancshares of Florida Inc. Naples 10.12 NA 16,565 NA 163,572
  Warren Bancorp Inc. Mich. 10.12 8.38 34,482 51.33 340,618
147 Guaranty Financial Corp Charlottesville, Va. 10.11 11.93 15,360 -23.3 151,918
148 Greer Bancshares Inc. S.C. 10.09 9.38 11,364 11.28 112,584
149 Sutton Bancshares Inc. Attica, Ohio 10.05 9.24 16,415 8.55 163,208
150 First Shares Bancorp Inc. Greenwood, Ind. 10.03 NA 13,072 NA 130,337


*Percent of gross domestic loans and leases. List of bank holding companies was derived from consolidated Y-9C reports filed with the Federal Reserve at the highest reporting level
Source: Sheshunoff Information Services, a division of Thomson Corp.
© 2004 American Banker