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

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