| U.S. BANKER RANKINGS | | The Second Hundred Largest Community Banks Fiscal Year 2000 Profitability Ranking Based on ROAE and Growth in Per-Share EarningsAssets: $1.12 Bil. to $673 Mil. As of Dec. 31, 2000, except where otherwise noted | | | | | | Total | Equity/ | 1-Yr | 1-Yr | 1-Yr EPS | 1-Yr EPS | 1-Yr | 1-Yr | | | | Assets | Assets | ROAE | ROAE | Growth | Growth | TOTAL | RANK | Company | Industry | Ticker | ($Mil.) | (%) | (%) | RANK | (%) | RANK | SCORE | | | | | | | | | | | | | 1 | Suffolk Bancorp, Riverhead, NY | Bank | SUBK | 1,050 | 8.39 | 20.42 | 2 | 25.00 | 17 | 19 | | 2 | Hanmi Financial Corp., Los Angeles | Bank | HAFC | 1,035 | 8.35 | 19.81 | 3 | 28.28 | 16 | 19 | | 3 | S.Y. Bancorp, Louisville, KY | Bank | SYI | 852 | 7.07 | 21.21 | 1 | 20.57 | 20 | 21 | | 4 | MetroWest Bank, Farmingham, MA | Thrift | MWBX | 882 | 6.94 | 17.97 | 8 | 30.91 | 13 | 21 | | 5 | Camden National Corp., Camden, ME | Bank | CAC | 1,011 | 8.99 | 16.43 | 17 | 33.07 | 9 | 26 | | 6 | Prosperity Bancshares, Houston | Bank | PRSP | 703 | 7.48 | 17.41 | 10 | 23.33 | 18 | 28 | | 7 | Tucker Anthony Sutro, Boston | Broker/Dealer | TA | 798 | 41.51 | 15.61 | 24 | 35.66 | 6 | 30 | | 8 | Boston Private Financial Holdings, Boston | Bank | BPFH | 922 | 10.69 | 16.97 | 13 | 21.67 | 19 | 32 | | 9 | NASB Financial, Grandview, MO*** | Thrift | NASB | 985 | 8.50 | 17.69 | 9 | 16.43 | 28 | 37 | | 10 | Centennial Bancorp, Eugene, OR | Bank | CEBC | 853 | 10.57 | 17.15 | 12 | 17.31 | 25 | 37 | | 11 | Lakeland Bancorp, Oak Ridge, NJ | Bank | LBAI | 907 | 8.67 | 13.43 | 39 | 87.50 | 2 | 41 | | 12 | Arrow Financial Corp., Glens Falls, NY | Bank | AROW | 1,081 | 7.47 | 18.60 | 7 | 12.05 | 37 | 44 | | 13 | Coastal Financial Corp., Myrtle Beach, SC*** | Thrift | CFCP | 769 | 6.11 | 19.52 | 6 | 10.78 | 41 | 47 | | 14 | Main Street Banks, Kennesaw, GA | Bank | MSBK | 1,009 | 8.57 | 16.67 | 15 | 14.10 | 32 | 47 | | 15 | Century Bancorp, Medford, MA | Bank | CNBKA | 1,084 | 6.60 | 16.09 | 20 | 16.67 | 27 | 47 | | 16 | Capital Corp of the West, Merced, CA | Bank | CCOW | 683 | 7.83 | 13.81 | 35 | 31.73 | 12 | 47 | | 17 | Capital Crossing Bank, Boston | Bank | CAPX | 771 | 8.87 | 13.84 | 33 | 29.20 | 15 | 48 | | 18 | Oak Hill Financial, Jackson, OH | Bank | OAKF | 695 | 7.18 | 12.94 | 46 | 59.21 | 3 | 49 | | 19 | SJNB Financial Corp., San Jose, CA | Bank | SJNB | 688 | 9.24 | 15.33 | 25 | 17.28 | 26 | 51 | | 20 | Abington Bancorp, Abington, MA | Thrift | ABBK | 728 | 4.71 | 15.14 | 27 | 17.50 | 24 | 51 | | 21 | First National Corp., Orangeburg, SC | Bank | FNC | 970 | 8.76 | 13.14 | 43 | 31.86 | 11 | 54 | | 22 | Central Coast Bancorp, Salinas, CA | Bank | CCBN | 707 | 8.47 | 16.01 | 22 | 14.00 | 33 | 55 | | 23 | Community Banks, Millersburg, PA | Bank | CTY | 1,121 | 7.77 | 16.84 | 14 | 10.39 | 42 | 56 | | 24 | HF Financial Corp., Sioux Falls, SD** | Thrift | HFFC | 725 | 6.47 | 11.27 | 57 | 458.33 | 1 | 58 | | 25 | NBC Capital Corp., Starkville, MS | Bank | NBY | 1,010 | 11.90 | 12.15 | 52 | 34.25 | 7 | 59 | | 26 | UNB Corp., Canton, OH | Bank | UNBO | 1,054 | 7.20 | 19.76 | 5 | 5.47 | 55 | 60 | | 27 | American Bank of Connecticut, Waterbury, CT | Thrift | BKC | 907 | 7.94 | 16.57 | 16 | 9.52 | 47 | 63 | | 28 | TriCo Bancshares, Chico, CA | Bank | TCBK | 972 | 8.77 | 16.03 | 21 | 10.26 | 43 | 64 | | 29 | Progress Financial Corp., Blue Bell, PA | Thrift | PFNC | 914 | 5.49 | 15.16 | 26 | 10.91 | 39 | 65 | | 30 | First Defiance Financial Corp., Defiance, OH | Thrift | FDEF | 1,072 | 9.28 | 11.71 | 55 | 32.56 | 10 | 65 | | 31 | Farmers & Merchants, Lodi, CA | Bank | FMCB | 906 | 10.04 | 12.94 | 45 | 20.51 | 21 | 66 | | 32 | Bancorp Rhode Island, Providence, RI | Bank | BARI | 739 | 7.21 | 11.58 | 56 | 30.70 | 14 | 70 | | 33 | State Bancorp, New Hyde Park, NY | Bank | STB | 1,021 | 7.08 | 17.39 | 11 | 3.70 | 61 | 72 | | 34 | Lafayette Bancorp., Lafayette, IN | Bank | LAYB | 741 | 7.12 | 14.11 | 32 | 10.83 | 40 | 72 | | 35 | ABC Bancorp, Moultrie, GA | Bank | ABCB | 826 | 9.76 | 13.19 | 42 | 15.53 | 30 | 72 | | 36 | Hills Bancorp., Hills, IA | Bank | HBIA | 876 | 7.82 | 14.94 | 28 | 9.72 | 45 | 73 | | 37 | Rurban Financial Corp., Defiance, OH | Bank | RBNF | 701 | 7.15 | 13.05 | 44 | 16.39 | 29 | 73 | | 38 | Merchants Bancshares, Burlington, VT | Bank | MBVT | 746 | 9.04 | 16.12 | 19 | 4.18 | 59 | 78 | | 39 | Interchange Financial Services Corp., Saddle Brook, NJ | Bank | IFCJ | 770 | 8.05 | 16.18 | 18 | 3.68 | 63 | 81 | | 40 | Glacier Bancorp, Kalispell, MT | Bank | GBCI | 1,057 | 9.28 | 15.83 | 23 | 5.22 | 58 | 81 | | 41 | FVNB Corp., Victoria, TX | Bank | FVNB | 709 | 9.51 | 12.47 | 50 | 14.14 | 31 | 81 | | 42 | PrivateBancorp, Chicago | Bank | PVTB | 830 | 6.54 | 8.72 | 74 | 33.33 | 8 | 82 | | 43 | People's Bancshares, New Bedford, MA | Thrift | PBKB | 1,003 | 1.77 | 19.78 | 4 | -9.03 | 79 | 83 | | 44 | Granite State Bankshares, Keene, NH | Bank | GSBI | 955 | 7.69 | 14.25 | 31 | 6.43 | 53 | 84 | | 45 | Union Bankshares Corp., Bowling Green, VA | Bank | UBSH | 882 | 8.88 | 10.60 | 62 | 20.24 | 22 | 84 | | 46 | Vista Bancorp, Phillipsburg, NJ | Bank | VBNJ | 695 | 7.76 | 13.65 | 37 | 8.66 | 49 | 86 | | 47 | Firstbank Corp., Alma, MI | Bank | FBMI | 733 | 8.76 | 13.63 | 38 | 9.49 | 48 | 86 | | 48 | CNB Financial Corp., Canajoharie, NY | Bank | CNBF | 951 | 6.64 | 12.52 | 49 | 12.05 | 38 | 87 | | 49 | HMN Financial, Spring Valley, MN | Thrift | HMNF | 716 | 9.31 | 9.81 | 67 | 19.86 | 23 | 90 | | 50 | Banc Corp., Birmingham, AL | Bank | TBNC | 1,029 | 7.27 | 6.03 | 86 | 50.00 | 4 | 90 | | 51 | First National Bancorp, Joliet, IL | Bank | FNBJ | 1,068 | 8.99 | 12.61 | 48 | 9.86 | 44 | 92 | | 52 | First United Corp., Oakland, MD | Bank | FUNC | 848 | 7.73 | 13.40 | 40 | 5.38 | 57 | 97 | | 53 | Chemung Financial Corp., Elmira, NY | Bank | CHMG | 676 | 10.99 | 12.86 | 47 | 5.42 | 56 | 103 | | 54 | Aames Financial Corp., Los Angeles** | Specialty Lender | AAM | 790 | 9.42 | -111.23 | 100 | 48.00 | 5 | 105 | | 55 | Heritage Commerce Corp., San Jose, CA | Bank | HTBK | 846 | 7.77 | 9.07 | 72 | 13.95 | 34 | 106 | | 56 | TF Financial Corp., Newtown, PA | Thrift | THRD | 723 | 7.34 | 9.18 | 71 | 12.50 | 36 | 107 | | 57 | Home Federal Bancorp, Seymour, IN** | Thrift | HOMF | 832 | 8.35 | 13.84 | 34 | -3.59 | 74 | 108 | | 58 | Baylake Corp., Sturgeon Bay, WI | Bank | BYLK | 772 | 6.88 | 13.76 | 36 | -3.33 | 73 | 109 | | 59 | PennRock Financial Services Corp., Blue Ball, PA | Bank | PRFS | 911 | 7.97 | 14.93 | 29 | -10.61 | 81 | 110 | | 60 | American Bancorp., Wheeling, WV | Bank | AMBC | 705 | 5.75 | 14.39 | 30 | -12.28 | 82 | 112 | | 61 | FMS Financial Corp., Burlington, NJ | Thrift | FMCO | 839 | 5.65 | 11.14 | 59 | 5.71 | 54 | 113 | | 62 | Camco Financial Corp., Cambridge, OH | Thrift | CAFI | 1,038 | 7.59 | 10.11 | 65 | 7.84 | 51 | 116 | | 63 | Bank of the Ozarks, Little Rock, AR | Bank | OZRK | 827 | 5.85 | 13.21 | 41 | -8.57 | 77 | 118 | | 64 | FNB Financial Services Corp., Reidsville, NC | Bank | FNBF | 686 | 8.22 | 8.96 | 73 | 9.68 | 46 | 119 | | 65 | Southside Bancshares Corp., St. Louis | Bank | SBCO | 737 | 9.41 | 9.76 | 68 | 6.94 | 52 | 120 | | 66 | First Bell Bancorp, Pittsburgh | Thrift | FBBC | 833 | 7.40 | 12.28 | 51 | -2.48 | 71 | 122 | | 67 | MASSBANK Corp., Reading, MA | Thrift | MASB | 939 | 11.53 | 10.93 | 60 | 3.69 | 62 | 122 | | 68 | Community Savings Bankshares, North Palm Beach, FL | Thrift | CMSV | 963 | 11.68 | 5.58 | 89 | 13.85 | 35 | 124 | | 69 | Umpqua Holdings Corp., Roseburg, OR | Bank | UMPQ | 786 | 10.03 | 11.94 | 54 | -3.17 | 72 | 126 | | 70 | Omega Financial Corp., State College, PA | Bank | OMEF | 1,114 | 13.93 | 11.18 | 58 | 1.08 | 68 | 126 | | 71 | LSB Bancshares, Lexington, NC | Bank | LXBK | 796 | 9.33 | 12.04 | 53 | -5.50 | 75 | 128 | | 72 | Brookline Bancorp, Brookline, MA | Thrift | BRKL | 1,036 | 27.27 | 7.83 | 80 | 8.11 | 50 | 130 | | 73 | Main Street Trust, Champaign, IL | Bank | MSTI | 1,091 | 11.49 | 10.03 | 66 | 2.78 | 65 | 131 | | 74 | FFLC Bancorp, Leesburg, FL | Thrift | FFLC | 711 | 8.33 | 9.24 | 70 | -0.68 | 69 | 139 | | 75 | Cascade Financial Corp., Everett, WA** | Thrift | CASB | 676 | 5.51 | 10.38 | 63 | -8.70 | 78 | 141 | | 76 | Horizon Financial Corp., Bellingham, WA* | Thrift | HRZB | 714 | 13.44 | 9.35 | 69 | -6.48 | 76 | 145 | | 77 | Thistle Group Holdings, Co., Philadelphia | Thrift | THTL | 700 | 11.86 | 6.80 | 85 | 4.17 | 60 | 145 | | 78 | Exchange National Bancshares, Jefferson City, MO | Bank | EXJF | 720 | 10.23 | 8.49 | 76 | -0.97 | 70 | 146 | | 79 | GA Financial, Pittsburgh | Thrift | GAF | 889 | 10.42 | 7.79 | 81 | 1.64 | 67 | 148 | | 80 | Citizens & Northern Corp., Wellsboro, PA | Bank | CZNC | 719 | 12.37 | 10.76 | 61 | -26.15 | 88 | 149 | | 81 | First Federal Bancshares of Arkansas, Harrison, AR | Thrift | FFBH | 714 | 10.73 | 7.21 | 83 | 1.91 | 66 | 149 | | 82 | MetroCorp Bancshares, Houston | Bank | MCBI | 737 | 7.97 | 10.26 | 64 | -21.00 | 86 | 150 | | 83 | Columbia Bancorp, Columbia, MD | Bank | CBMD | 813 | 7.94 | 8.36 | 77 | -9.88 | 80 | 157 | | 84 | AMRESCO, Dallas | Specialty Lender | AMMB | 715 | 23.16 | -69.70 | 99 | 3.00 | 64 | 163 | | 85 | First Bancorp, Troy, NC | Bank | FBNC | 915 | 12.09 | 8.49 | 75 | -27.97 | 89 | 164 | | 86 | Fidelity National Corp., Atlanta | Bank | LION | 948 | 6.11 | 6.80 | 84 | -16.98 | 84 | 168 | | 87 | PAB Bankshares, Valdosta, GA | Bank | PAB | 795 | 8.90 | 8.10 | 78 | -32.58 | 91 | 169 | | 88 | Sun Bancorp, Selinsgrove, PA | Bank | SUBI | 744 | 8.41 | 7.96 | 79 | -46.88 | 93 | 172 | | 89 | First M & F Corp., Kosciusko, MS | Bank | FMFC | 1,020 | 9.51 | 7.70 | 82 | -28.84 | 90 | 172 | | 90 | Klamath First Bancorp, Klamath Falls, OR*** | Thrift | KFBI | 996 | 10.92 | 5.82 | 88 | -20.34 | 85 | 173 | | 91 | Ambanc Holding Co., Amsterdam, NY | Thrift | AHCI | 707 | 10.91 | 4.66 | 92 | -12.64 | 83 | 175 | | 92 | First Mariner Bancorp, Baltimore | Bank | FMAR | 677 | 4.11 | 2.85 | 93 | -23.08 | 87 | 180 | | 93 | German American Bancorp, Jasper, IN | Bank | GABC | 1,080 | 9.01 | 5.52 | 90 | -45.05 | 92 | 182 | | 94 | Drovers Bancshares Corp., York, PA | Bank | DROV | 796 | 6.93 | 5.88 | 87 | -59.87 | 96 | 183 | | 95 | UnionBancorp, Ottawa, IL | Bank | UBCD | 759 | 7.78 | 5.09 | 91 | -48.03 | 94 | 185 | | 96 | State Financial Services Corp., Hales Corners, WI | Bank | SFSW | 1,081 | 9.85 | 2.73 | 94 | -52.50 | 95 | 189 | | 97 | Premier Financial Bancorp, Georgetown, KY | Bank | PFBI | 890 | 6.27 | 2.53 | 95 | -70.45 | 97 | 192 | | 98 | SouthBanc Shares, Anderson, SC*** | Thrift | SBAN | 673 | 11.91 | -1.62 | 96 | -117.37 | 98 | 194 | | 99 | New Century Financial Corp., Irvine, CA | Specialty Lender | NCEN | 837 | 18.17 | -14.16 | 97 | -183.41 | 99 | 196 | | 100 | Resource Bancshares Mortgage Grp, Columbia, SC | Specialty Lender | RBMG | 1,070 | 14.19 | -23.23 | 98 | -953.57 | 100 | 198 | | * Fiscal year ended March 30, 2000 ** Fiscal year ended June 30, 2000 *** Fiscal year ended Sept. 30, 2000 + Diluted EPS after extraordinary items Where total score is equal, company with the higher ROAE receives the superior rank. Includes only those companies for which necessary ROAE and EPS data were available. Source: Raw data from SNL Securities | | | |