| U.S. BANKER RANKINGS | | The Third Hundred Largest Community Banks Fiscal Year 2000 Profitability Ranking Based on ROAE and Growth in Per-Share EarningsAssets: $671 Mil. to $494 Mil. As of Dec. 31, 2000, except where otherwise noted | | | | | | Total | Equity/ | 1-Yr | 1-Yr | 1-Yr EPS | 1-Yr EPS | 1-Yr | 1-Yr | | | | Assets | Assets | ROAE | ROAE | Growth | Growth | TOTAL | RANK | Company | Industry | Ticker | ($Mil.) | (%) | (%) | RANK | (%) | RANK | SCORE | | 1 | Nara Bancorp, Los Angeles | Bank | NARA | 602 | 7.40 | 30.31 | 2 | 147.50 | 10 | 12 | | 2 | GreatBanc, Aurora, IL | Bank | GRBC | 602 | 5.74 | 27.40 | 3 | 195.15 | 9 | 12 | | 3 | Southern Financial Bancorp, Warrenton, VA | Bank | SFFB | 610 | 6.51 | 15.96 | 12 | 420.00 | 5 | 17 | | 4 | Princeton National Bancorp, Princeton, IL | Bank | PNBC | 515 | 9.22 | 18.66 | 8 | 128.43 | 11 | 19 | | 5 | Northern Empire Bancshares, Santa Rosa, CA | Bank | NREB | 494 | 7.30 | 20.87 | 4 | 24.11 | 28 | 32 | | 6 | Humboldt Bancorp, Eureka, CA | Bank | HBEK | 608 | 8.35 | 15.93 | 13 | 33.73 | 21 | 34 | | 7 | CoBiz Inc., Denver | Bank | COBZ | 633 | 7.44 | 15.58 | 16 | 36.11 | 19 | 35 | | 8 | Bancorp Connecticut, Southington, CT | Thrift | BKCT | 634 | 8.25 | 20.42 | 5 | 18.84 | 32 | 37 | | 9 | First State Bancorporation, Albuquerque, NM | Bank | FSNM | 653 | 7.86 | 15.23 | 21 | 43.56 | 16 | 37 | | 10 | Fidelity Bancorp, Pittsburgh*** | Thrift | FSBI | 543 | 5.45 | 15.70 | 15 | 27.45 | 24 | 39 | | 11 | Horizon Bancorp, Michigan City, IN | Bank | HBNC | 532 | 4.69 | 12.41 | 43 | 1126.00 | 3 | 46 | | 12 | Commercial Bankshares, Miami | Bank | CLBK | 523 | 8.62 | 15.43 | 19 | 22.63 | 29 | 48 | | 13 | City Bank, Lynnwood, WA | Bank | CTBK | 543 | 20.65 | 17.42 | 10 | 14.72 | 42 | 52 | | 14 | Pacific Crest Capital, Agoura Hills, CA | Bank | PCCI | 649 | 5.23 | 19.31 | 7 | 10.44 | 50 | 57 | | 15 | First Chester County Corp., West Chester, PA | Bank | FCEC | 551 | 7.81 | 15.03 | 22 | 15.93 | 38 | 60 | | 16 | Royal Bancshares of Pennsylvania, Narberth, PA | Bank | RBPAA | 630 | 16.43 | 14.30 | 26 | 16.81 | 35 | 61 | | 17 | LNB Bancorp, Lorain, OH | Bank | LNBB | 622 | 9.09 | 15.83 | 14 | 10.50 | 49 | 63 | | 18 | Cass Information Systems, Bridgeton, MO | Bank | CASS | 577 | 9.33 | 13.16 | 37 | 25.47 | 26 | 63 | | 19 | Foothill Independent Bancorp, Glendora, CA | Bank | FOOT | 506 | 9.54 | 14.23 | 27 | 16.00 | 37 | 64 | | 20 | NewMil Bancorp, New Milford, CT | Thrift | NMIL | 524 | 9.08 | 11.54 | 49 | 39.47 | 17 | 66 | | 21 | First Mutual Bancshares, Bellevue, WA | Thrift | FMSB | 643 | 7.14 | 15.48 | 17 | 10.32 | 51 | 68 | | 22 | Castle BancGroup, De Kalb, IL | Bank | CTBG | 552 | 7.85 | 9.71 | 66 | 1316.67 | 2 | 68 | | 23 | Franklin Financial Corp., Franklin, TN | Bank | FNFN | 605 | 5.08 | 19.59 | 6 | 5.56 | 64 | 70 | | 24 | Civic BanCorp, Oakland, CA | Bank | CIVC | 498 | 10.79 | 13.56 | 31 | 15.45 | 39 | 70 | | 25 | IBT Bancorp, Irwin, PA | Bank | IBTB | 496 | 8.99 | 16.87 | 11 | 6.19 | 62 | 73 | | 26 | Greater Community Bancorp, Totowa, NJ | Bank | GFLS | 607 | 6.62 | 13.43 | 33 | 15.38 | 40 | 73 | | 27 | BNCCORP, Bismarck, ND | Bank | BNCC | 570 | 5.17 | 9.37 | 69 | 860.00 | 4 | 73 | | 28 | Peoples Bancorp of North Carolina, Newton, NC | Bank | PEBK | 519 | 8.29 | 12.74 | 42 | 18.44 | 33 | 75 | | 29 | American National Bankshares, Danville, VA | Bank | AMNB | 541 | 11.70 | 14.74 | 24 | 9.23 | 52 | 76 | | 30 | Shore Bancshares, Easton, MD | Bank | SHBI | 553 | 11.76 | 12.98 | 40 | 16.54 | 36 | 76 | | 31 | James River Bankshares, Suffolk, VA | Bank | JRBK | 516 | 10.70 | 10.93 | 54 | 32.98 | 22 | 76 | | 32 | Peapack-Gladstone Financial Corp., Gladstone, NJ | Bank | PGC | 568 | 9.70 | 15.30 | 20 | 7.33 | 58 | 78 | | 33 | Macatawa Bank Corp., Zeeland, MI | Bank | MCBC | 500 | 7.63 | 9.31 | 71 | 328.57 | 7 | 78 | | 34 | Credit Acceptance Corp., Southfield, MI | Specialty Lender | CACC | 671 | 39.08 | 9.01 | 73 | 330.00 | 6 | 79 | | 35 | National Bancshares Corp. of Texas, San Antonio, TX | Bank | NBT | 591 | 9.91 | 9.35 | 70 | 93.75 | 12 | 82 | | 36 | Summit Bancshares, Fort Worth, TX | Bank | SBIT | 619 | 8.98 | 17.57 | 9 | -0.72 | 75 | 84 | | 37 | Virginia Financial Corp., Staunton, VA | Bank | VFNL | 500 | 10.19 | 13.00 | 39 | 12.23 | 45 | 84 | | 38 | Yonkers Financial Corp., Yonkers, NY*** | Thrift | YFCB | 523 | 6.67 | 9.69 | 67 | 37.84 | 18 | 85 | | 39 | FNB Corp., Christiansburg, VA | Bank | FNBP | 539 | 9.63 | 13.77 | 30 | 7.55 | 57 | 87 | | 40 | Merchants & Manufacturers Bancorp., New Berlin, WI | Bank | MMBI | 538 | 7.95 | 10.24 | 62 | 27.22 | 25 | 87 | | 41 | Mercantile Bank Corp., Grand Rapids, MI | Bank | MBWM | 513 | 6.21 | 9.49 | 68 | 33.75 | 20 | 88 | | 42 | Center Bancorp, Union, NJ | Bank | CNBC | 570 | 6.88 | 13.43 | 34 | 8.20 | 55 | 89 | | 43 | Wayne Bancorp, Wooster, OH | Bank | WNNB | 570 | 10.50 | 14.55 | 25 | 4.73 | 65 | 90 | | 44 | CNB Financial Corp., Clearfield, PA | Bank | CCNE | 555 | 9.22 | 10.78 | 56 | 18.40 | 34 | 90 | | 45 | FLAG Financial Corp., LaGrange, GA | Bank | FLAG | 559 | 9.93 | 7.95 | 82 | 246.67 | 8 | 90 | | 46 | Bank of Granite Corp., Granite Falls, NC | Bank | GRAN | 662 | 18.03 | 13.41 | 35 | 7.81 | 56 | 91 | | 47 | First National Community Bancorp, Dunmore, PA | Bank | FNCB | 584 | 8.00 | 14.94 | 23 | 1.70 | 70 | 93 | | 48 | ACNB Corp., Gettysburg, PA | Bank | ACNB | 567 | 10.65 | 13.50 | 32 | 6.67 | 61 | 93 | | 49 | Habersham Bancorp, Cornelia, GA | Bank | HABC | 543 | 7.14 | 8.21 | 79 | 67.16 | 14 | 93 | | 50 | Tri City Bankshares Corp., Oak Creek, WI | Bank | TRCY | 563 | 12.24 | 12.04 | 46 | 11.19 | 48 | 94 | | 51 | Mahaska Investment Co., Oskaloosa, IA | Bank | OSKY | 515 | 9.57 | 8.04 | 81 | 76.79 | 13 | 94 | | 52 | Chester Valley Bancorp, Downingtown, PA** | Thrift | CVAL | 507 | 7.00 | 13.34 | 36 | 6.80 | 60 | 96 | | 53 | South Alabama Bancorp., Mobile, AL | Bank | SABC | 577 | 12.27 | 11.18 | 52 | 12.99 | 44 | 96 | | 54 | CoVest Bancshares, Des Plaines, IL | Bank | COVB | 586 | 8.20 | 9.75 | 65 | 20.43 | 31 | 96 | | 55 | Colony Bankcorp, Fitzgerald, GA | Bank | CBAN | 520 | 7.73 | 12.12 | 45 | 8.51 | 54 | 99 | | 56 | National Bankshares, Blacksburg, VA | Bank | NKSH | 593 | 10.08 | 13.13 | 38 | 6.12 | 63 | 101 | | 57 | Warwick Community Bancorp, Warwick, NY | Thrift | WSBI | 638 | 11.38 | 6.61 | 87 | 59.65 | 15 | 102 | | 58 | Bank of the Sierra, Porterville, CA | Bank | BSRR | 607 | 6.72 | 14.15 | 28 | -1.64 | 76 | 104 | | 59 | PVF Capital Corp., Bedford Heights, OH** | Thrift | PVFC | 613 | 7.00 | 15.45 | 18 | -17.53 | 87 | 105 | | 60 | Peoples BancTrust Co., Selma, AL | Bank | PBTC | 671 | 9.47 | 10.17 | 63 | 14.56 | 43 | 106 | | 61 | First of Long Island Corp., Glen Head, NY | Bank | FLIC | 626 | 11.32 | 13.97 | 29 | -2.48 | 78 | 107 | | 62 | Northrim Bank, Anchorage, AK | Bank | NRIM | 547 | 9.92 | 11.44 | 50 | 7.14 | 59 | 109 | | 63 | Heritage Financial Corp., Olympia, WA | Thrift | HFWA | 574 | 14.47 | 6.66 | 86 | 32.65 | 23 | 109 | | 64 | Fidelity Bancorp, Chicago*** | Thrift | FBCI | 637 | 6.72 | 10.17 | 64 | 11.36 | 47 | 111 | | 65 | First South Bancorp, Washington, NC*** | Bank | FSBK | 560 | 8.01 | 7.71 | 84 | 24.18 | 27 | 111 | | 66 | First Mid-Illinois Bancshares, Mattoon, IL | Bank | FMBH | 643 | 8.98 | 10.55 | 59 | 9.17 | 53 | 112 | | 67 | Ameriana Bancorp, New Castle, IN | Thrift | ASBI | 557 | 7.48 | 8.68 | 76 | 15.31 | 41 | 117 | | 68 | Northern States Financial Corp., Waukegan, IL | Bank | NSFC | 538 | 13.46 | 11.80 | 48 | 0.56 | 72 | 120 | | 69 | EFC Bancorp, Elgin, IL | Thrift | EFC | 583 | 11.54 | 5.89 | 91 | 20.83 | 30 | 121 | | 70 | Alliance Financial Corp., Cortland, NY | Bank | ALNC | 581 | 9.13 | 10.86 | 55 | 2.78 | 68 | 123 | | 71 | American West Bancorp., Spokane, WA | Bank | AWBC | 599 | 10.78 | 12.74 | 41 | -13.04 | 85 | 126 | | 72 | CENIT Bancorp, Norfolk, VA | Thrift | CNIT | 632 | 8.14 | 11.19 | 51 | -2.31 | 77 | 128 | | 73 | Westbank Corp., West Springfield, MA | Bank | WBKC | 575 | 6.07 | 11.80 | 47 | -7.29 | 82 | 129 | | 74 | Ohio Valley Banc Corp., Gallipolis, OH | Bank | OVBC | 562 | 7.92 | 10.29 | 61 | 2.46 | 69 | 130 | | 75 | North Country Financial Corp., Traverse City, MI | Bank | NCUF | 667 | 6.69 | 12.13 | 44 | -17.98 | 88 | 132 | | 76 | DCB Financial Corp., Delaware, OH | Bank | DCBF | 497 | 9.03 | 11.12 | 53 | -2.63 | 79 | 132 | | 77 | First Federal Financial Corp., Elizabethtown, KY** | Thrift | FFKY | 561 | 9.22 | 10.52 | 60 | 0.00 | 73 | 133 | | 78 | Ugly Duckling Corp., Phoenix | Specialty Lender | UGLY | 652 | 23.83 | 5.65 | 93 | 11.67 | 46 | 139 | | 79 | Ledger Capital Corp., Gelndale, WI** | Thrift | LEDG | 520 | 6.42 | 8.93 | 74 | 3.64 | 66 | 140 | | 80 | United Security Bancshares, Thomasville, AL | Bank | USBI | 509 | 13.28 | 10.66 | 58 | -17.11 | 86 | 144 | | 81 | American Bus. Fin. Services, Bala Cynwyd, PA** | Specialty Lender | ABFI | 593 | 10.48 | 10.67 | 57 | -50.81 | 97 | 154 | | 82 | Vail Banks, Vail, CO | Bank | VAIL | 564 | 11.87 | 8.04 | 80 | 0.00 | 74 | 154 | | 83 | Team Financial, Paola, KS | Bank | TFIN | 540 | 7.38 | 8.25 | 78 | -11.83 | 84 | 162 | | 84 | Virginia Capital Bancshares, Fredericksburg, VA | Bank | VCAP | 533 | 29.19 | 4.97 | 96 | 3.41 | 67 | 163 | | 85 | Republic First Bancorp, Philadelphia | Bank | FRBK | 656 | 6.56 | 9.03 | 72 | -27.03 | 92 | 164 | | 86 | Resource America, Philadelphia*** | Specialty Lender | REXI | 509 | 55.23 | 6.67 | 85 | -6.17 | 81 | 166 | | 87 | Northeast Pennsylvania Financial Corp., Hazelton, PA*** | Thrift | NEP | 637 | 11.45 | 5.44 | 95 | 1.25 | 71 | 166 | | 88 | InterCounty Bancshares, Wilmington, OH | Bank | ICYB | 579 | 8.54 | 8.85 | 75 | -28.81 | 93 | 168 | | 89 | Farmers National Banc Corp., Canfield, OH | Bank | FMNB | 626 | 11.31 | 8.37 | 77 | -30.56 | 94 | 171 | | 90 | First Liberty Bank Corp., Jermyn, PA | Bank | FLIB | 628 | 9.94 | 7.79 | 83 | -23.40 | 90 | 173 | | 91 | First Midwest Financial, Storm Lake, IA*** | Thrift | CASH | 506 | 7.92 | 5.98 | 90 | -10.58 | 83 | 173 | | 92 | Lincoln Bancorp, Plainfield, IN | Thrift | LNCB | 500 | 17.72 | 4.03 | 98 | -2.82 | 80 | 178 | | 93 | FNB Corp., Asheboro, NC | Bank | FNBN | 566 | 9.75 | 6.59 | 88 | -36.70 | 95 | 183 | | 94 | Capital Trust, New York | Specialty Lender | CT | 644 | 24.62 | 6.15 | 89 | -40.00 | 96 | 185 | | 95 | Peoples Financial Corp., Biloxi, MS | Bank | PFBX | 587 | 13.40 | 5.64 | 94 | -25.47 | 91 | 185 | | 96 | Success Bancshares, Lincolnshire, IL | Bank | SXNB | 601 | 4.89 | 4.11 | 97 | -20.00 | 89 | 186 | | 97 | North Valley Bancorp, Redding, CA | Bank | NOVB | 540 | 10.15 | 5.82 | 92 | -56.20 | 98 | 190 | | 98 | Franklin Bank, Southfield, MI | Bank | FSVB | 528 | 6.68 | 0.35 | 99 | -96.39 | 99 | 198 | | 99 | HPSC, Inc., Boston | Specialty Lender | HDR | 494 | 8.26 | 0.21 | 100 | -96.72 | 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 | | | |