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Bank Holding Companies with Highest Concentration in Home Equity Loans

August 26, 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 March 31, 2004. Dollars in thousands
Published August 26, 2004
Rank   Concentration* Home equity loans Domestic loans, leases
March 31, 2004 Year earlier March 31, 2004 Vs yr earlier
1 Five Flags Banks Inc. Pensacola, Fla. 55.40% 56.06% $15,993 -5.75% $28,858
2 First American Bank Corp. Elk Grove Village, Ill. 34.06 30.99 508,352 16.44 1,492,327
3 Cornerstone Bancorp Inc. Palatine, Ill. 28.36 .NA 39,688 NA 139,826
4 Fremont Bancorp. Calif. 27.93 22.84 351,693 27.74 1,258,216
5 Heritage Community Bancorp Riverdale, Ill. 25.52 29.96 47,165 -9.09 184,783
6 Countrywide Financial Corp. Calabasas, Calif. 25.22 6.38 12,443,646 454.84 49,343,009
7 First Tennessee National Corp. Memphis 25.16 16.61 4,663,205 68.51 18,536,598
8 First Northwest Bancorp Arlington Heights, Ill. 21.44 17.04 34,061 31.76 158,844
9 Edville Bankcorp Inc. Villa Park, Ill. 21.39 18.51 42,457 41.50 198,477
10 City Holding Co. Cross Lanes, W.Va. 21.25 18.79 283,374 26.84 1,333,522
11 Somerset Hills Bancorp Bernardsville, N.J. 20.91 .NA 25,453 NA 121,443
12 Oak Park River Forest Bankshares Oak Park, Ill. 20.40 .NA 30,012 NA 146,617
13 Paramount Bancorp Inc. Farmington Hills, Mich. 20.33 13.89 32,635 54.17 160,530
14 Western Springs Bancorp. Hoffman Estates, Ill. 19.53 23.07 27,512 -4.20 140,887
15 Alliance Bankshares Corp. Chantilly, Va. 19.35 17.95 26,854 20.74 138,789
16 First Evanston Bancorp Inc. Ill. 19.17 19.29 54,627 9.79 284,899
17 First Citizens Bancshares Raleigh 19.11 18.22 1,646,663 17.28 8,616,987
18 First Indiana Corp. Indianapolis 19.01 17.30 334,621 0.71 1,759,807
19 Riverside Gulf Coast Banking Co. Cape Coral, Fla. 18.48 11.67 39,387 112.52 213,130
20 Carrollton Bancorp Baltimore 18.40 19.22 37,550 0.14 204,105
21 Falmouth Bancorp Inc. Mass. 18.18 17.26 16,575 15.97 91,170
22 Community Financial Shares Glen Ellyn, Ill. 18.10 18.50 28,255 8.68 156,077
23 First Charter Corp. Charlotte, N.C. 18.05 15.48 414,811 24.80 2,297,835
24 AmSouth Bancorp Birmingham, Ala. 18.01 16.73 5,427,853 17.04 30,137,646
25 Bridge Bancorp Inc. Bridgehampton, N.Y. 17.59 16.45 50,802 21.66 288,827
26 Columbia Bancorp Columbia, Md. 17.53 13.69 152,591 56.66 870,455
27 Elmwood Financial Corp. Racine, Wis. 17.31 14.63 28,902 27.01 166,964
28 Associated Community Bancorp Greenwich, Conn. 17.22 15.39 32,463 16.07 188,271
29 NVE Bancorp MHC Englewood, N.J. 17.15 12.81 43,618 17.94 254,330
30 Valley Commerce Bancorp Ltd. Phoenix 17.13 .NA 15,414 NA 89,999
31 Northview Financial Corp. Northfield, Ill. 16.96 15.71 45,512 14.13 268,289
32 Commonwealth Bancshares Inc. Louisville, Ky. 16.38 12.33 65,892 30.76 402,259
33 TriCo Bancshares Chico, Calif. 16.33 18.38 162,377 27.37 994,065
NC Bancorp Inc. Chicago 16.33 19.35 20,736 -9.55 126,950
35 Foster Bankshares Inc. Chicago 16.27 15.96 39,788 20.30 244,483
36 Irwin Financial Corp. Columbus, Ind. 16.09 15.14 678,579 -2.94 4,034,153
37 Citrus and Chemical Bancorp. Bartow, Fla. 15.93 14.23 51,799 21.17 325,138
38 Midcarolina Financial Corp. Burlington, N.C. 15.61 15.97 30,161 26.93 193,188
39 F&M Financial Corp. Granite Quarry, N.C. 15.13 14.26 44,753 7.55 295,088
40 Cardinal Financial Corp. McLean, Va. 15.06 13.19 50,463 51.77 335,164
41 Huntington Bancshares Inc. Columbus, Ohio 14.98 14.52 3,207,670 20.46 21,414,768
42 South Coastal Holdings MHC Rockland, Mass. 14.83 11.10 23,778 116.46 160,342
43 Wells Fargo & Co. San Francisco 14.82 9.03 44,260,000 77.81 294,883,000
44 KeyCorp Cleveland 14.79 13.71 9,245,929 7.51 61,289,088
45 Provident Financial Group Cincinnati 14.69 11.34 1,350,485 25.84 9,193,422
46 First Oak Brook Bancshares Oak Brook, Ill. 14.62 14.37 140,730 9.33 962,890
47 Cambank Inc. Lake Zurich, Ill. 14.56 11.39 28,062 52.27 192,307
48 Executive Banking Corp. Miami 14.40 15.63 14,637 -8.76 101,395
Center Bancorp Inc. Union, N.J. 14.40 11.32 51,010 85.00 354,132
50 Heartland Bancshares Inc. Franklin, Ind. 14.39 11.41 16,950 20.95 117,773
51 Republic Bancorp Inc. Louisville, Ky. 14.39 11.89 236,016 43.38 1,640,234
52 Sterling Financial Group Inc. Rochester, Minn. 14.36 10.61 29,717 16.80 206,961
53 Resource Bancshares Inc. De Kalb, Ill. 14.31 9.72 19,662 43.57 137,389
Northern Michigan Corp. Escanaba 14.31 11.52 17,520 31.77 122,426
55 First Business Bancorp Chicago 14.29 9.47 13,310 60.30 93,164
56 Ogle County Bancshares Inc. Rochelle, Ill. 14.22 8.51 10,513 69.32 73,924
57 First Community Bancorp Inc. Pahokee, Fla. 14.13 .NA 12,724 NA 90,002
58 Harleysville National Corp. Pa. 14.09 11.01 201,173 36.69 1,428,145
59 A. E. Bancorp Buffalo Grove, Ill. 14.01 16.08 23,102 7.40 164,912
Devon Bancorp Inc. Chicago 14.01 12.90 24,967 16.86 178,037
61 West Tennessee Bancshares Bartlett 13.95 9.81 28,168 28.21 201,961
62 Financial Svcs. of St. Croix St. Croix Falls, Wis. 13.95 .NA 19,978 NA 143,172
63 Illinois State Bancorp Inc. Wheaton 13.84 12.54 20,584 24.57 148,748
64 Palos Bancshares Inc. Palos Heights, Ill. 13.69 13.02 27,838 4.69 203,292
65 Heritagebanc Inc. Chicago Heights, Ill. 13.67 11.76 21,922 43.42 160,312
66 Plymouth Bancorp Inc. Wareham, Mass. 13.65 9.25 90,320 31.75 661,849
67 Wintrust Financial Corp Lake Forest, Ill. 13.59 14.44 481,319 20.35 3,532,504
68 Republic Bancshares Inc. St. Petersburg, Fla. 13.50 10.13 226,922 45.01 1,680,600
69 New Mexico Banquest Corp. Santa Fe 13.46 11.90 36,039 33.78 266,878
70 Prospect Bancshares Inc. Worthington, Ohio 13.38 .NA 24,397 NA 182,297
71 Heritage Bancorp Reno, Nev. 13.29 .NA 15,986 NA 119,878
72 Illinois Valley Bancorp Inc. Morris 13.27 .NA 13,748 NA 103,571
Sturgis Bancorp Inc. Mich. 13.27 8.95 30,140 55.54 227,035
74 First National Lincoln Corp. Damariscotta, Maine 13.25 10.30 55,092 53.82 415,755
75 National Commerce Financial Corp. Memphis 13.24 11.34 1,819,798 30.04 13,748,274
76 Leesport Financial Corp. Wyomissing, Pa. 13.19 8.63 47,539 54.40 360,385
77 Villages Bancorp. Inc. Lady Lake, Fla. 13.14 11.44 24,092 39.04 183,409
TCF Financial Corp. Wayzata, Minn. 13.14 11.24 1,185,437 23.60 9,020,672
79 Citizens Bancorp Inc. Newport, Ky. 13.07 12.73 17,472 12.93 133,675
80 Banknorth Group Inc. Portland, Maine 13.03 12.65 2,179,482 9.68 16,724,460
Monmouth Community Bancorp Long Branch, N.J. 13.03 12.87 15,945 34.97 122,350
82 National City Corp. Cleveland 13.02 8.68 12,034,873 43.33 92,199,439
83 Alpine Banks of Colorado Glenwood Springs 12.97 10.95 123,242 45.16 948,289
84 National Bank of Indianapolis Corp. 12.91 11.60 75,896 18.55 588,026
85 Citizens Bancshares Hutchinson, Minn. 12.89 12.76 10,781 4.13 83,624
86 RCB Corp. Sacramento 12.85 9.95 46,675 54.52 363,318
87 First Citizens Bancorp Inc. Columbia, S.C. 12.84 13.29 381,865 19.06 2,973,943
88 Fifth Third Bancorp Cincinnati 12.80 12.96 7,113,446 9.17 55,572,861
89 F.N.B.C. of La Grange Inc. Ill. 12.77 12.00 32,765 17.00 256,479
90 Great Lakes Fin’l Resources Inc. Matteson, Ill. 12.74 13.76 48,933 4.89 384,181
91 Annapolis Bancorp Inc. Md. 12.72 9.92 23,604 55.98 185,625
92 Washington Trust Bancorp Westerly, R.I. 12.59 10.36 126,701 48.69 1,006,753
93 Fidelity Bancshares Fuquay-Varina, N.C. 12.55 12.41 95,431 6.92 760,594
94 Bank of the James Financial Lynchburg, Va. 12.48 .NA 15,033 NA 120,481
95 Jacksonville Bancorp Inc. Jacksonville, Fla. 12.44 .NA 20,222 NA 162,489
96 Pinnacle Bankshares Corp. Altavista, Va. 12.42 10.02 18,796 36.19 151,194
97 Norway Bancorp MHC Maine 12.35 9.48 57,974 43.97 469,236
98 Commerce Bancorp Inc. Cherry Hill, N.J. 12.34 11.50 967,293 38.65 7,837,648
99 First Litchfield Financial Corp. Conn. 12.27 11.75 23,615 10.10 192,406
100 Northwest Suburban Bancorp Mt. Prospect, Ill. 12.26 11.23 38,650 38.54 314,796
101 First Volunteer Corp. Chattanooga, Tenn. 12.22 8.26 40,190 47.95 328,823
102 Abington Bancorp Inc. Mass. 12.19 8.48 48,315 37.11 396,286
103 Columbiana Bancshares Inc. Ala. 12.13 10.30 17,123 22.66 141,174
104 Bank of Hawaii Corp. Honolulu 12.07 10.69 700,047 16.18 5,222,422
105 FNB Corp. Asheboro, N.C. 12.02 9.64 69,743 42.08 580,159
106 Camden National Corp. Maine 11.96 9.38 116,721 45.08 973,512
107 Highland Bancshares Inc. Bloomington, Minn. 11.95 10.76 26,063 31.92 218,025
108 Unizan Financial Corp. Canton, Ohio 11.93 10.16 235,533 17.36 1,973,947
109 Community Bank Corp. Park Ridge, Ill. 11.85 11.19 15,109 24.70 127,453
110 Greenville First Bancshares S.C. 11.84 12.43 27,153 36.63 229,409
111 McLeod Bancshares Inc. Shorewood, Minn. 11.83 9.28 18,394 43.05 155,501
112 Union National Financial Corp. Mount Joy, Pa. 11.78 9.61 27,282 45.85 231,582
113 PNC Financial Services Group Pittsburgh 11.77 9.38 4,604,042 32.66 37,902,048
114 Charter One Financial Inc. Cleveland 11.64 11.31 3,517,197 22.46 30,217,085
115 BWC Financial Corp. Walnut Creek, Calif. 11.61 15.00 44,010 -9.09 377,468
116 F&M Financial Corp. Clarksville, Tenn. 11.56 10.55 42,344 32.52 366,196
117 First Bancorp of Durango Ill. 11.52 9.98 21,498 28.72 186,279
118 Lake Elmo Bancshares Inc. Minn. 11.49 10.96 19,864 17.41 172,850
119 Patriot National Bancorp Stamford, Conn. 11.47 16.76 25,719 -14.65 224,268
120 West Coast Bancorp Lake Oswego, Ore. 11.46 8.57 145,166 43.22 1,266,189
121 Metro Bank Financial Services Miami 11.45 12.19 16,778 -5.07 146,162
122 Benchmark Bancorp Inc. Aurora, Ill. 11.42 .NA 14,171 NA 123,932
123 Lakeland Bancorp Inc. Oak Ridge, N.J. 11.41 9.92 98,221 36.24 860,675
124 United Bankshares Inc. Charleston, W.Va. 11.39 10.27 505,602 23.93 4,440,516
125 Tampa Banking Co. 11.37 11.87 49,302 10.01 433,735
FNB Financial Services Corp. Reidsville, N.C. 11.37 10.54 68,517 13.01 602,657
127 New Lenox Holding Co. Ill. 11.32 9.14 65,405 36.86 577,188
SCBT Financial Corp. Columbia, S.C. 11.32 9.68 114,271 29.16 1,009,281
129 First Eagle Bancshares Inc. Hanover Park, Ill. 11.30 11.12 18392.00 15.71 162192.00
130 Capital Bancorp Inc. Nashville, Tenn. 11.28 10.48 24,920 29.26 220,618
131 Central Bancshares Inc. Golden Valley, Minn. 11.23 10.33 25,912 26.64 230,801
Southern Community Fin'l Corp. Winston-Salem 11.23 12.94 79,083 37.99 703,614
133 First Co. Powell, Wyo. 11.22 8.57 15,941 36.61 142,099
134 LNB Bancorp Inc. Lorain, Ohio 11.20 10.17 60,165 15.62 537,008
135 Stillman Bancorp Inc. Stillman Valley, Ill. 11.16 9.68 17,535 17.93 156,886
136 FleetBoston Financial Corp. 11.13 8.42 14,097,000 35.89 116,463,000
137 Hawaii National Bancshares Honolulu 11.08 11.62 29,980 0.59 269,266
Shore Financial Corp. Onley, Va. 11.08 12.02 16,580 13.77 149,672
139 First Security Group Inc. Chattanooga, Tenn. 11.04 10.10 54,063 26.74 489,303
140 Shore Bancshares Inc. Easton, Md. 11.02 10.26 54,342 15.95 492,796
Crescent Financial Corp. Cary, N.C. 11.02 11.60 25,895 68.03 234,605
142 LSB Bancshares Inc. Lexington, N.C. 11.00 9.74 74,677 16.49 678,980
143 First Dupage Bancorp Inc. Westmont, Ill. 10.99 .NA 14,729 NA 134,051
American National Bankshares Danville, Va. 10.99 8.99 44,720 18.02 406,741
145 Franklin Resources Inc. San Mateo, Calif. 10.96 14.96 52,452 -35.91 472,286
HPK Financial Corp. Chicago 10.96 11.77 11,966 -5.56 108,832
147 Guaranty Financial Corp. Charlottesville, Va. 10.93 8.72 17,823 28.67 163,075
148 Continental Mortgage Corp. Aurora, Ill. 10.92 10.05 8,821 -19.77 80,783
First of Long Island Corp. Glen Head, N.Y. 10.92 11.51 35,537 14.32 324,629
150 Queenstown Bancorp of Maryland 10.90 8.71 24,422 49.68 224,107

*Home equity loans outstanding as a percentage of total loans and leases

Source: Highline Banking Data Services (877-299-9424)


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