| U.S. BANKER RANKINGS | | The First One Hundred Largest Community Banks Fiscal Year 2000 Profitability Ranking Based on ROAE and Growth in Per-Share EarningsAssets: $2.023 Bil. to $1.091 Bil. As of Dec. 31, 2000, except where otherwise noted. | | 1-Yr | | | | Total | Equity/ | 1-Yr | 1-Yr | 1-Yr EPS | 1-Yr EPS | TOTAL | Rank | Company | Industry | Ticker | Assets | Assets | ROAE | ROAE | Growth | Growth | SCORE | | | | | ($Mil.) | (%) | (%) | RANK | (%) | RANK | | | 1 | GBC Bancorp, Los Angeles | Bank | GBCB | 1,969 | 9.54 | 24.80 | 1 | 37.55 | 9 | 10 | | 2 | AmeriCredit Corp., Fort Worth, TX** | Specialty Lender | ACF | 1,862 | 36.98 | 21.04 | 4 | 33.33 | 11 | 15 | | 3 | XTRA Corp., Westport, CT*** | Specialty Lender | XTR | 1,566 | 23.05 | 18.05 | 12 | 108.84 | 4 | 16 | | 4 | Southside Bancshares, Tyler, TX | Bank | SBSI | 1,152 | 4.49 | 23.13 | 2 | 24.00 | 17 | 19 | | 5 | Midwest Banc Holdings, Melrose Park, IL | Bank | MBHI | 1,468 | 5.63 | 20.57 | 5 | 26.17 | 15 | 20 | | 6 | Independent Bank., Ionia, MI | Bank | IBCP | 1,784 | 7.19 | 16.59 | 19 | 134.72 | 3 | 22 | | 7 | Great Southern Bancorp, Springfield, MO | Bank | GSBC | 1,130 | 6.29 | 22.36 | 3 | 20.45 | 22 | 25 | | 8 | Sterling Bancshares, Houston | Bank | SBIB | 1,925 | 8.27 | 18.08 | 10 | 23.46 | 19 | 29 | | 9 | U.S.B. Holding Co., Orangeburg, NY | Bank | UBH | 1,886 | 6.25 | 18.94 | 8 | 19.79 | 24 | 32 | | 10 | Mid-State Bancshares, Arroyo Grande, CA | Bank | MDST | 1,456 | 12.17 | 16.44 | 23 | 23.71 | 18 | 41 | | 11 | Community Bank System, DeWitt, NY | Bank | CBU | 2,023 | 6.89 | 17.56 | 13 | 17.77 | 30 | 43 | | 12 | Hawthorne Financial Corp., El Segundo, CA | Thrift | HTHR | 1,753 | 5.94 | 14.58 | 39 | 45.86 | 6 | 45 | | 13 | Financial Federal Corp., New York (7-31-2000) | Specialty Lender | FIF | 1,128 | 15.29 | 16.84 | 15 | 16.92 | 32 | 47 | | 14 | Parkvale Financial Corp., Monroeville, PA** | Thrift | PVSA | 1,251 | 6.74 | 16.53 | 22 | 18.62 | 27 | 49 | | 15 | Hudson Valley Holding Corp., Yonkers, NY | Bank | HUVL | 1,290 | 7.24 | 18.61 | 9 | 13.95 | 45 | 54 | | 16 | Tompkins Trustco, Ithaca, NY | Bank | TMP | 1,305 | 8.81 | 17.09 | 14 | 15.57 | 40 | 54 | | 17 | VIB Corp., El Centro, CA | Bank | VIBC | 1,143 | 6.20 | 13.65 | 47 | 44.90 | 7 | 54 | | 18 | Quaker City Bancorp, Whittier, CA** | Thrift | QCBC | 1,202 | 7.32 | 13.95 | 43 | 31.18 | 12 | 55 | | 19 | Capitol Bancorp Ltd., Lansing, MI | Bank | CBCL | 1,630 | 4.32 | 13.78 | 45 | 36.14 | 10 | 55 | | 20 | Southwest Bancorp, Stillwater, OK | Bank | OKSB | 1,204 | 6.09 | 14.89 | 35 | 20.55 | 21 | 56 | | 21 | MBT Financial Corp., Monroe, MI | Bank | MBTF | 1,379 | 10.94 | 14.42 | 40 | 23.26 | 20 | 60 | | 22 | F&M Bancorp, Frederick, MD | Bank | FMBN | 1,795 | 8.80 | 12.98 | 55 | 48.31 | 5 | 60 | | 23 | Frontier Financial Corp., Everett, WA | Bank | FTBK | 1,691 | 11.34 | 20.16 | 6 | 10.96 | 56 | 62 | | 24 | CPB Inc., Honolulu | Bank | CPBI | 1,817 | 7.89 | 13.55 | 49 | 27.38 | 14 | 63 | | 25 | First Busey Corp, Urbana, IL | Bank | BUSE | 1,355 | 6.81 | 16.56 | 21 | 14.44 | 43 | 64 | | 26 | Allegiant Bancorp, St. Louis | Bank | ALLE | 1,136 | 6.85 | 13.21 | 51 | 30.12 | 13 | 64 | | 27 | First Essex Bancorp, Andover, MA | Thrift | FESX | 1,521 | 6.95 | 15.36 | 32 | 16.56 | 35 | 67 | | 28 | Sterling Bancorp, New York | Bank | STL | 1,271 | 9.21 | 15.39 | 31 | 16.00 | 37 | 68 | | 29 | Alliance Bancorp, Hinsdale, IL | Thrift | ABCL | 2,023 | 8.11 | 12.76 | 56 | 25.16 | 16 | 72 | | 30 | Washington Trust Bancorp, Westerly, RI | Bank | WASH | 1,218 | 7.32 | 16.14 | 25 | 13.54 | 48 | 73 | | 31 | CCBT Financial Cos., South Yarmouth, MA | Bank | CCBT | 1,404 | 7.03 | 19.32 | 7 | 8.11 | 67 | 74 | | 32 | Univest Corp. of Pennsylvania, Souderton, PA | Bank | UVSP | 1,204 | 9.57 | 16.14 | 26 | 13.04 | 50 | 76 | | 33 | Lakeland Financial Corp., Warsaw, IN | Bank | LKFN | 1,149 | 5.65 | 16.39 | 24 | 11.89 | 53 | 77 | | 34 | Community Banks, Millersburg, PA | Bank | CTY | 1,121 | 7.77 | 16.84 | 16 | 10.39 | 63 | 79 | | 35 | Medford Bancorp, Medford, MA | Thrift | MDBK | 1,310 | 8.01 | 15.06 | 33 | 13.89 | 46 | 79 | | 36 | Capital City Bank Group, Tallahassee, FL | Bank | CCBG | 1,527 | 9.66 | 12.99 | 54 | 18.67 | 26 | 80 | | 37 | IBERIABANK Corp., New Iberia, LA | Bank | IBKC | 1,396 | 9.10 | 10.75 | 72 | 38.56 | 8 | 80 | | 38 | Mississippi Valley Bancshares, St. Louis | Bank | MVBI | 1,889 | 7.48 | 18.07 | 11 | 6.67 | 71 | 82 | | 39 | Sandy Spring Bancorp, Olney, MD | Bank | SASR | 1,773 | 7.19 | 16.79 | 17 | 7.69 | 68 | 85 | | 40 | CB Bancshares, Honolulu | Bank | CBBI | 1,721 | 7.15 | 9.50 | 84 | 3766.67 | 1 | 85 | | 41 | Yardville National Bancorp, Hamilton, NJ | Bank | YANB | 1,619 | 4.83 | 15.64 | 28 | 10.53 | 60 | 88 | | 42 | BancFirst Ohio Corp., Zanesville, OH | Bank | BFOH | 1,560 | 6.87 | 15.42 | 29 | 10.67 | 59 | 88 | | 43 | DVI, Inc., Jamison, PA** | Specialty Lender | DVI | 1,334 | 16.15 | 11.66 | 61 | 18.46 | 28 | 89 | | 44 | Indiana United Bancorp, Greensburg, IN | Bank | IUBC | 1,217 | 6.41 | 13.76 | 46 | 14.29 | 44 | 90 | | 45 | First Financial Bankshares, Abilene, TX | Bank | FFIN | 1,754 | 11.18 | 15.39 | 30 | 10.51 | 61 | 91 | | 46 | Commercial Bank of New York | Bank | CBNY | 1,526 | 6.62 | 11.13 | 69 | 19.23 | 25 | 94 | | 47 | Peoples Bancorp, Marietta, OH | Bank | PEBO | 1,136 | 7.32 | 14.92 | 34 | 10.46 | 62 | 96 | | 48 | ITLA Capital Corp., La Jolla, CA | Thrift | ITLA | 1,415 | 9.44 | 13.51 | 50 | 13.57 | 47 | 97 | | 49 | First Merchants Corp., Muncie, IN | Bank | FRME | 1,621 | 9.63 | 14.10 | 41 | 10.76 | 57 | 98 | | 50 | NetBank, Alpharetta, GA | Thrift | NTBK | 1,843 | 13.60 | 3.46 | 96 | 154.55 | 2 | 98 | | 51 | Harleysville National Corp., Harleysville, PA | Bank | HNBC | 1,935 | 8.97 | 16.57 | 20 | 2.60 | 79 | 99 | | 52 | PennFed Financial Services, West Orange, NJ** | Thrift | PFSB | 1,729 | 6.59 | 11.61 | 63 | 16.28 | 36 | 99 | | 53 | Financial Institutions, Warsaw, NY | Bank | FISI | 1,289 | 10.21 | 14.72 | 36 | 9.42 | 64 | 100 | | 54 | BostonFed Bancorp, Burlington, MA | Thrift | BFD | 1,328 | 6.77 | 10.80 | 71 | 17.54 | 31 | 102 | | 55 | Heartland Financial USA, Dubuque, IA | Bank | HTLF | 1,466 | 6.56 | 10.69 | 73 | 16.67 | 33 | 106 | | 56 | First Community Bancshares, Bluefield, VA | Bank | FCBC | 1,218 | 9.91 | 15.70 | 27 | 1.56 | 80 | 107 | | 57 | Andover Bancorp, Andover, MA | Thrift | ANDB | 1,823 | 8.43 | 14.67 | 37 | 6.74 | 70 | 107 | | 58 | MB Financial, Chicago | Bank | MBFI | 1,458 | 6.29 | 13.86 | 44 | 8.61 | 65 | 109 | | 59 | Old Second Bancorp, Aurora, IL | Bank | OSBC | 1,149 | 9.83 | 12.71 | 57 | 12.25 | 52 | 109 | | 60 | Oriental Financial Group, Rio Piedras, PR** | Bank | OFG | 1,850 | 6.37 | 16.71 | 18 | -32.12 | 93 | 111 | | 61 | ESB Financial Corp., Ellwood City, PA | Thrift | ESBF | 1,200 | 5.69 | 11.71 | 60 | 12.62 | 51 | 111 | | 62 | Century South Banks, Alpharetta, GA | Bank | CSBI | 1,644 | 9.68 | 11.78 | 58 | 11.21 | 54 | 112 | | 63 | Superior Financial Corp., Little Rock, AR | Thrift | SUFI | 1,661 | 6.70 | 11.02 | 70 | 15.04 | 42 | 112 | | 64 | FIRSTFED AMERICA BANCORP, Swansea, MA* | Thrift | FAB | 1,580 | 6.44 | 7.79 | 90 | 20.18 | 23 | 113 | | 65 | First Oak Brook Bancshares, Oak Brook, IL | Bank | FOBB | 1,249 | 7.01 | 13.58 | 48 | 8.28 | 66 | 114 | | 66 | OceanFirst Financial Corp., Toms River, NJ | Thrift | OCFC | 1,640 | 9.62 | 10.45 | 76 | 15.79 | 39 | 115 | | 67 | National City Bancorp., Minneapolis | Bank | NCBM | 1,193 | 13.82 | 11.62 | 62 | 11.05 | 55 | 117 | | 68 | First National Bank, Anchorage | Bank | FNAN | 1,670 | 23.19 | 8.38 | 88 | 17.90 | 29 | 117 | | 69 | Seacoast Banking Corp. of Florida, Stuart, FL | Bank | SBCFA | 1,151 | 7.32 | 14.09 | 42 | 4.58 | 76 | 118 | | 70 | First Sentinel Bancorp, Woodbridge, NJ | Thrift | FSLA | 1,969 | 11.28 | 10.17 | 77 | 15.25 | 41 | 118 | | 71 | Harbor Florida Bancshares, Fort Pierce, FL*** | Thrift | HARB | 1,583 | 13.86 | 9.82 | 83 | 15.79 | 38 | 121 | | 72 | Simmons First National Corp., Pine Bluff, AR | Bank | SFNCA | 1,912 | 9.06 | 11.33 | 65 | 10.73 | 58 | 123 | | 73 | Independent Bank Corp., Rockland, MA | Bank | INDB | 1,950 | 5.88 | 14.58 | 38 | -10.92 | 87 | 125 | | 74 | Republic Bancorp, Louisville, KY | Bank | RBCAA | 1,508 | 7.75 | 11.77 | 59 | 7.04 | 69 | 128 | | 75 | United Community Financial Corp., Youngstown, OH | Thrift | UCFC | 1,300 | 20.14 | 4.47 | 94 | 16.67 | 34 | 128 | | 76 | Banner Corp., Walla Walla, WA | Bank | BANR | 1,983 | 9.77 | 9.96 | 81 | 13.48 | 49 | 130 | | 77 | Eagle Bancshares, Tucker, GA* | Thrift | EBSI | 1,245 | 5.98 | 13.13 | 52 | -2.87 | 82 | 134 | | 78 | Sterling Financial Corp., Lancaster, PA | Bank | SLFI | 1,726 | 8.07 | 12.99 | 53 | -7.69 | 85 | 138 | | 79 | Farmers Capital Bank Corp., Frankfort, KY | Bank | FFKT | 1,205 | 10.41 | 11.61 | 64 | 5.91 | 74 | 138 | | 80 | Chemical Financial Corp., Midland, MI | Bank | CHFC | 1,973 | 13.62 | 11.25 | 66 | 6.19 | 73 | 139 | | 81 | Flushing Financial Corp., Flushing, NY | Thrift | FFIC | 1,338 | 9.47 | 10.48 | 75 | 6.57 | 72 | 147 | | 82 | Omega Financial Corp., State College, PA | Bank | OMEF | 1,114 | 13.93 | 11.18 | 68 | 1.08 | 81 | 149 | | 83 | First Federal S&L, East Hartford, CT | Thrift | FFES | 1,122 | 7.85 | 10.60 | 74 | 2.76 | 78 | 152 | | 84 | Commonwealth Bancorp, Noristown, PA | Thrift | CMSB | 1,870 | 8.58 | 9.99 | 79 | 5.30 | 75 | 154 | | 85 | Main Street Trust, Champaign, IL | Bank | MSTI | 1,091 | 11.49 | 10.03 | 78 | 2.78 | 77 | 155 | | 86 | WSFS Financial Corp., Wilmington, DE | Thrift | WSFS | 1,739 | 5.59 | 11.25 | 67 | -40.46 | 94 | 161 | | 87 | Fidelity Bankshares, West Palm Beach, FL | Thrift | FFFL | 1,923 | 4.77 | 9.97 | 80 | -6.43 | 84 | 164 | | 88 | West Coast Bancorp, Lake Oswego, OR | Bank | WCBO | 1,355 | 8.95 | 9.86 | 82 | -31.00 | 92 | 174 | | 89 | Columbia Banking System, Tacoma, WA | Bank | COLB | 1,496 | 7.61 | 9.36 | 86 | -14.29 | 89 | 175 | | 90 | Sun Bancorp, Vineland, NJ | Bank | SNBC | 2,003 | 5.87 | 8.85 | 87 | -11.88 | 88 | 175 | | 91 | Peoples Holding Co., Tupelo, MS | Bank | PHC | 1,212 | 10.04 | 9.49 | 85 | -23.11 | 91 | 176 | | 92 | CFS Bancorp, Munster, IN | Thrift | CITZ | 1,710 | 11.66 | 5.34 | 93 | -2.94 | 83 | 176 | | 93 | Provident Financial Holdings, Riverside, CA** | Thrift | PROV | 1,148 | 7.75 | 8.38 | 89 | -22.53 | 90 | 179 | | 94 | Patriot Bank Corp., Pottstown, PA | Bank | PBIX | 1,125 | 4.60 | 3.95 | 95 | -8.11 | 86 | 181 | | 95 | Matrix Bancorp, Denver | Thrift | MTXC | 1,419 | 4.51 | 6.79 | 91 | -60.13 | 95 | 186 | | 96 | Second Bancorp, Warren, OH | Bank | SECD | 1,546 | 7.58 | 5.35 | 92 | -60.26 | 96 | 188 | | 97 | Metropolitan Financial Corp., Mayfield Heights, OH | Thrift | METF | 1,695 | 2.92 | 3.30 | 97 | -66.67 | 97 | 194 | | 98 | Mid-America Bancorp, Louisville, KY | Bank | MAB | 1,804 | 9.89 | 2.54 | 98 | -79.21 | 98 | 196 | | 99 | USBANCORP, Johnstown, PA | Bank | UBAN | 1,254 | 6.25 | 2.11 | 99 | -91.45 | 99 | 198 | | 100 | Main Street Bancorp, Reading, PA | Bank | MBNK | 1,496 | 5.84 | -3.60 | 100 | -135.53 | 100 | 200 | | * 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 | | | |