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Bank Holding Companies with Highest Concentration in Home Equity Loans

April 29, 2004, 10:08 a.m. EDT 1 Min Read
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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 Dec. 31, 2003. Dollars in thousands
Published April 29, 2004
Related Table: Biggest Increases from Year Earlier
    Concentration* Home equity loans Domestic loans, leases
2003 2002 2003 2002
1 Five Flags Banks Inc. Pensacola, Fla. 54.62% 57.89 $16,730 -7.71 $30,619
2 First American Bank Corp. Elk Grove Village, Ill. 34.61 30.09 494,207 17.66 1,427,740
3 Fremont Bancorp. Calif. 27.79 21.14 323,791 21.39 1,164,641
4 Heritage Community Bancorp Riverdale, Ill. 27.32 29.96 47,088 -12.27 172,384
5 Cornerstone Bancorp Inc. Palatine, Ill. 26.95 NA 36,046 NA 133,649
6 First Tennessee National Corp. Memphis 24.18 15.38 4,102,569 65.27 16,969,401
7 Countrywide Financial Corp. Calabasas, Calif. 23.43 8.08 11,835,039 596 50,516,031
8 Somerset Hills Bancorp Bernardsville, N.J. 22.49 NA 25,657 NA 113,901
9 Western Springs Bancorp Inc. Hoffman Estates, Ill. 21.6 24.28 28,119 -4.17 130,152
10 City Holding Co. Cross Lanes, W.Va. 21.16 16.82 273,429 34.78 1,292,072
11 Paramount Bancorp Inc. Farmington Hills, Mich. 21.05 NA 31,288 NA 148,624
12 Alliance Bankshares Corp. Chantilly, Va. 20.76 17.02 27,356 34.02 131,794
13 Edville Bankcorp Inc. Villa Park, Ill. 20.54 18.08 38,523 33.74 187,542
14 First Northwest Bancorp Inc. Arlington Heights, Ill. 20.53 15.77 31,927 39.73 155,524
15 First Citizens Bancshares Raleigh 19.13 17.45 1,592,955 19.76 8,326,598
16 Community Financial Shares Glen Ellyn, Ill. 19.03 17.99 28,683 9.87 150,712
17 First Indiana Corp. Indianapolis 18.97 17.82 344,235 5.14 1,814,991
18 First Evanston Bancorp Inc. Ill. 18.82 18.92 51,948 10.53 276,088
19 Carrollton Bancorp Baltimore 18.81 19.6 37,915 -5.71 201,539
20 Falmouth Bancorp Inc. Mass. 18.65 15.29 16,491 25.82 88,426
21 South Coastal Holdings MHC Rockland, Mass. 18.51 11 23,393 140.2 126,359
22 Valley Commerce Bancorp Ltd. Phoenix 18.39 NA 16,820 NA 91,445
23 Bridge Bancorp Inc. Bridgehampton, N.Y. 17.98 16.23 49,121 21.84 273,188
24 AmSouth Bancorp. Birmingham, Ala. 17.7 15.91 5,216,284 19.71 29,476,000
25 First Charter Corp. Charlotte 17.42 14.24 393,362 23.8 2,257,774
26 Riverside Gulf Coast Banking Co. Cape Coral, Fla. 17.25 10.06 34,821 121.56 201,829
27 Elmwood Financial Corp. Racine, Wis. 17.13 14.2 27,519 24.42 160,610
28 Commonwealth Bancshares Inc. Louisville 16.83 11.26 67,783 43.66 402,773
29 Columbia Bancorp Md. 16.6 12.98 139,732 59.35 841,530
30 NC Bancorp Inc. Chicago 16.39 NA 19,342 NA 118,002
31 Foster Bankshares Inc. Chicago 16.36 15.37 37,229 17.53 227,609
32 Associated Community Bancorp Greenwich, Conn. 16.22 16.39 33,356 18.02 205,546
33 Midcarolina Financial Corp. Burlington, N.C. 15.89 NA 29,221 NA 183,894
34 NVE Bancorp MHC Englewood, N.J. 15.84 11 42,073 29.4 265,672
35 Citrus and Chemical Bancorp. Bartow, Fla. 15.64 13.65 51,211 28.55 327,500
36 TriCo Bancshares Chico, Calif. 15.61 17.47 153,215 27.58 981,241
37 Irwin Financial Corp. Columbus, Ind. 15.56 15.26 629,232 -0.18 3,866,633
38 Provident Financial Group Cincinnati 15.39 8.57 1,468,207 55.71 9,541,229
39 First Oak Brook Bancshares Ill. 15.37 13.71 140,775 12.59 915,678
40 Northview Financial Corp. Northfield, Ill. 15.33 15.03 40,179 2.71 262,070
41 F&M Financial Corp. Granite Quarry, N.C. 15.19 14.1 43,587 8.96 286,355
42 Executive Banking Corp. Miami 14.61 15.59 15,059 -5.72 102,790
43 Devon Bancorp Inc. Chicago 14.59 12.74 24,033 9.92 164,686
44 KeyCorp Cleveland 14.49 13.21 9,086,891 10.16 61,456,037
45 Huntington Bancshares Inc. Columbus, Ohio 14.46 11.89 3,078,991 20.64 21,289,718
46 Palos Bancshares Inc. Palos Heights, Ill. 14.3 11.66 28,567 29.71 199,820
47 A. E. Bancorp Buffalo Grove, Ill. 14.26 16.17 23,780 29.02 166,787
48 Sterling Financial Group Inc. Rochester, Minn. 14.18 9.18 29,385 28.72 207,167
49 Franklin Resources Inc. San Mateo, Calif. 14.14 21.02 56,632 -38.6 394,291
  Center Bancorp Inc. Union, N.J. 14.14 9.11 49,410 136.66 349,525
51 Heartland Bancshares Inc. Franklin, Ind. 14.02 11.24 16,214 13.53 115,614
52 Cambank Inc. Lake Zurich, Ill. 13.98 10.19 26,706 62.1 190,737
53 Northern Michigan Corp. Escanaba 13.85 NA 16,841 NA 121,552
54 New Mexico Banquest Corp. Santa Fe 13.79 11.32 34,734 37.55 251,832
55 Ogle County Bancshares Inc. Rochelle, Ill. 13.78 7.78 9,630 71.69 69,877
56 Wintrust Financial Corp. Lake Forest, Ill. 13.77 13.82 463,354 24.67 3,355,747
57 West Tennessee Bancshares Bartlett 13.73 8.92 28,071 36.27 204,495
58 Cardinal Financial Corp. McLean, Va. 13.66 11.3 45,912 63.05 336,002
59 Illinois State Bancorp Inc. Wheaton 13.58 11.23 19,166 35.04 141,086
60 Republic Bancorp Inc. Louisville 13.48 11.57 215,088 35.05 1,595,684
61 Jacksonville Bancorp Inc. Fla. 13.45 NA 20,530 NA 152,655
62 Resource Bancshares Inc. De Kalb, Ill. 13.44 7.2 18,472 86.57 137,422
63 Prospect Bancshares Inc. Worthington, Ohio 13.41 NA 23,718 NA 176,884
64 Harleysville National Corp. Pa. 13.37 9.84 188,357 43.59 1,408,391
65 Plymouth Bancorp Inc. Wareham, Mass. 13.32 8.35 85,067 30.52 638,513
66 BWC Financial Corp. Walnut Creek, Calif. 13.26 16.06 45,590 -8.79 342,261
67 Wells Fargo & Co. San Francisco 13.14 8.76 38,064,000 70.71 286,025,000
68 High Country Financial Corp. Boone, N.C. 13.12 10.52 20,600 43.98 156,691
69 Heritagebanc Inc. Chicago Heights, Ill. 13.03 11.25 20,386 37.84 156,400
70 Villages Bancorp. Inc. Lady Lake, Fla. 13.02 9.89 22,718 54.12 174,429
  Lincolnwood Bancorp Inc. Ill. 13.02 10.59 21,841 26.85 167,696
72 Alpine Banks of Colorado Glenwood Springs 13 11.39 117,230 34.02 900,034
  First National Lincoln Corp. Damariscotta, Maine 13 9.19 51,982 68.96 399,877
74 First Business Bancorp Chicago 12.99 NA 11,401 NA 87,781
75 Benchmark Bancorp Inc. Aurora, Ill. 12.97 NA 15,017 NA 115,620
  Monmouth Community Bancorp Long Branch, N.J. 12.97% 0.00% $15,195 NA $117,183
77 Banknorth Group Inc. Portland, Maine 12.96 11.01 2,131,426 36.03% 16,442,550
78 Fidelity BancsharesFuquay-Varina, N.C. 12.91 12.43 96,604 6.58 748,272
79 Citizens Bancorp Inc. Newport, Ky. 12.81 12.62 16,647 7.27 129,935
80 TCF Financial Corp. Wayzata, Minn. 12.8 10.86 1,114,262 19.1 8,704,734
81 Northwest Suburban Bancorp Mount Prospect, Ill. 12.78 11.26 37,001 42.29 289,026
  Leesport Financial Corp. Wyomissing, Pa. 12.78 7.92 45,833 72.56 358,762
83 RCB Corp. Sacramento 12.73 8.96 42,835 53.45 336,545
84 Southern Community Financial Corp. Winston-Salem, N.C. 12.72 12.81 66,111 22.36 519,746
85 National Commerce Financial Corp. Memphis 12.68 10.12 1,685,600 28.34 13,298,075
86 Sturgis Bancorp Inc. Mich. 12.65 8.6 27,727 45.55 219,143
87 F.N.B.C. of La Grange Inc. Ill. 12.53 11.71 31,817 16.09 253,966
88 Fifth Third Bancorp Cincinnati 12.52 12.61 6,782,066 9.12 54,188,980
89 First Citizens Bancorp Columbia, S.C. 12.44 12.6 365,722 20.13 2,939,989
90 Patriot National Bancorp Stamford, Conn. 12.35 16.56 26,843 -6.42 217,355
91 Republic Bancshares Inc. St. Petersburg, Fla. 12.32 9.56 202,098 39.71 1,640,831
92 Community Bank Corp. Park Ridge, Ill. 12.31 11.85 14,727 18.47 119,489
93 Great Lakes Financial Resource Inc. Matteson, Ill. 12.28 14.16 46,589 -1.26 379,262
94 Commerce Bancorp Inc. Cherry Hill, N.J. 12.24 10.34 918,329 49.43 7,503,592
95 Citizens Bancshares Hutchinson, Minn. 12.18 NA 10,330 NA 84,809
96 First Litchfield Financial Corp. Conn. 12.15 11.19 23,348 9.84 192,131
97 National Bank of Indianapolis Corp 12.1 11.6 72,257 17.75 597,063
98 Washington Trust Bancorp Westerly, R.I. 12.09 10.19 116,458 42.89 963,467
99 Annapolis Bancorp Inc. Md. 12.05 9.71 20,341 42.06 168,755
100 Abington Bancorp Inc. Mass. 12.04 11.57 47,825 4.08 397,085
101 Metro Bank Financial Services Miami 11.96 11.03 17,645 9.57 147,168
102 HPK Financial Corp. Chicago 11.91 11.27 12,582 3.62 105,312
  Pinnacle Bankshares Corp. Altavista, Va. 11.91 9.63 17,811 40.74 149,463
104 Norway Bancorp MHC Maine 11.75 8.77 53,545 44.34 455,607
105 Highland Bancshares Inc. Bloomington, Minn. 11.74 10.23 25,108 42.48 213,790
106 Bank of Hawaii Corp. Honolulu 11.72 11.18 677,897 11.76 5,199,762
  Union National Financial Corp. Mount Joy, Pa. 11.72 8.29 26,454 59.56 225,578
108 Charter One Financial Inc. Cleveland 11.69 10.35 3,352,778 22.07 28,683,442
109 Greenville First Bancshares S.C. 11.66 NA 24,340 NA 208,782
  First Volunteer Corp. Chattanooga, Tenn. 11.66 7.36 37,815 59.06 324,343
111 Unizan Financial Corp. Canton, Ohio 11.64 10.12 229,498 17.44 1,971,163
112 Tampa Banking Co. 11.61 11.12 49,326 20.99 424,871
113 National City Corp. Cleveland 11.59 8.16 10,973,066 38.69 94,411,723
114 Columbiana Bancshares Inc. Ala. 11.53 9.96 16,896 28.41 146,506
  Stillman Bancorp Inc. Stillman Valley, Ill. 11.53 9.31 17,204 22.1 148,944
116 Ambanc Financial Services Beaver Dam, Wis. 11.52 NA 11,123 NA 96,570
117 CNLbancshares Inc. Orlando 11.51 9.61 23,439 102.04 202,837
118 United Bankshares Inc. Charleston, W.Va. 11.5 9.46 491,729 25.07 4,277,205
119 Shore Financial Corp. Onley, Va. 11.48 11.17 16,321 23.41 142,209
120 McLeod Bancshares Inc. Shorewood, Minn. 11.33 8.83 16,971 38.04 149,766
121 Lake Elmo Bancshares Inc. Minn. 11.28 10.37 19,168 14.21 169,865
122 New Lenox Holding Co. Ill. 11.25 8.25 63,722 49.27 565,874
  FNB Financial Services Corp. Reidsville, N.C. 11.25 9.59 65,563 21.25 582,974
124 Central Bancshares Inc. Golden Valley, Minn. 11.22 10.33 24,766 23.29 220,665
125 Capital Bancorp Inc. Nashville 11.14 9.9 24,443 35.67 219,070
126 West Coast Bancorp Lake Oswego, Ore. 11.12 7.8 136,283 49.25 1,225,610
127 F&M Financial Corp. Clarksville, Tenn. 11.1 9.94 39,797 33.08 358,468
128 Lakeland Bancorp Inc. Oak Ridge, N.J. 11.09 9.3 94,424 41.15 851,536
129 First Bancorp of Durango Colo. 11.04 9.62 19,907 23.7 179,919
130 Camden National Corp. Maine 11 8.86 106,618 48.55 966,854
131 Crescent Financial Corp. Cary, N.C. 10.97 12.63 23,815 49.74 216,746
132 Hawaii National Bancshares Honolulu 10.94 11.48 30,075 1.43 273,641
133 LNB Bancorp Inc. Lorain, Ohio 10.9 9.78 58,235 16.9 534,311
134 LSB Bancshares Inc. Lexington, N.C. 10.87 9.69 72,094 15.26 663,446
135 Shore Bancshares Inc. Easton, Md. 10.84 10.61 51,516 10.19 474,955
136 Fentura Financial Inc. Fenton, Mich. 10.69 9.65 27,197 22.67 254,339
137 First National Corp. Columbia, S.C. 10.65 9.02 101,348 24.28 951,106
138 First of Long Island Corp. Glen Head, N.Y. 10.64 11.39 34,364 15.15 321,971
139 First Shares Bancorp Inc. Greenwood, Ind. 10.58 NA 14,146 NA 133,668
140 Sutton Bancshares Inc. Attica, Ohio 10.57 10 17,287 8.87 163,442
141 First Co. Powell, Wyo. 10.56 7.65 14,832 43.46 140,476
142 Taylor Capital Group Inc. Rosemont, Ill. 10.54 12.17 206,870 -9.52 1,962,008
143 Macon Bancorp Franklin, N.C. 10.51 9.06 53,502 33.47 506,477
144 SouthTrust Corp. Birmingham, Ala. 10.48 8.49 3,757,403 25.01 35,831,138
145 First Security Group Inc. Chattanooga, Tenn. 10.47 9.12 50,082 57.43 478,013
146 Guaranty Financial Corp Charlottesville, Va. 10.41 11.37 16,443 -12.58 158,020
147 Queenstown Bancorp of Maryland 10.39 8.36 22,624 50.69 217,709
148 American National Bankshares Danville, Va. 10.37 9.22 42,197 12.31 406,805
149 Bancshares of Florida Inc. Naples 10.35 NA 20,748 NA 200,351
  KS Bancorp Inc. Smithfield, N.C. 10.35 10.16 15,861 1.52 153,226


*Home equity loans outstanding as a percentage of total loans and leases
Source: Sheshunoff Information Services, a division of Thomson Corp.
© 2004 American Banker