| U.S. BANKER RANKINGS | | The Third Hundred Largest Community Banking Companies Fiscal Years 1998-2000 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 | | | | 3-Yr | 3-Yr | 3-Yr EPS | 3-Yr EPS | 3-Yr | 3-Yr | | ROAE | ROAE | Growth | Growth | TOTAL | RANK | Company | (%) | RANK | (%) | RANK | SCORE | | 1 | Nara Bancorp, Los Angeles | 20.44 | 4 | 54.21 | 11 | 15 | | 2 | Northern Empire Bancshares, Santa Rosa, CA | 21.96 | 2 | 25.94 | 17 | 19 | | 3 | PVF Capital Corp., Bedford Heights, OH** | 18.26 | 6 | 24.55 | 19 | 25 | | 4 | GreatBanc, Aurora, IL | 13.97 | 21 | 133.67 | 6 | 27 | | 5 | Humboldt Bancorp, Eureka, CA | 15.61 | 12 | 22.45 | 20 | 32 | | 6 | Pacific Crest Capital, Agoura Hills, CA | 17.77 | 8 | 18.98 | 25 | 33 | | 7 | Bancorp Connecticut, Southington, CT | 16.54 | 9 | 15.15 | 29 | 38 | | 8 | CoBiz Inc., Denver | 13.26 | 28 | 39.65 | 14 | 42 | | 9 | Peapack-Gladstone Financial Corp., Gladstone, NJ | 15.59 | 13 | 15.09 | 30 | 43 | | 10 | City Bank, Lynnwood, WA | 18.03 | 7 | 12.61 | 38 | 45 | | 11 | First Mutual Bancshares, Bellevue, WA | 15.88 | 11 | 12.76 | 37 | 48 | | 12 | Summit Bancshares, Fort Worth, TX | 18.61 | 5 | 10.17 | 44 | 49 | | 13 | Wayne Bancorp, Wooster, OH | 13.86 | 22 | 15.57 | 28 | 50 | | 14 | American Bus. Fin. Services, Bala Cynwyd, PA** | 23.29 | 1 | 8.95 | 51 | 52 | | 15 | Princeton National Bancorp, Princeton, IL | 12.60 | 39 | 41.27 | 13 | 52 | | 16 | Chester Valley Bancorp, Downingtown, PA** | 12.64 | 38 | 27.32 | 15 | 53 | | 17 | First State Bancorporation, Albuquerque, NM | 12.74 | 36 | 22.44 | 21 | 57 | | 18 | Franklin Financial Corp., Franklin, TN | 20.60 | 3 | 7.27 | 56 | 59 | | 19 | IBT Bancorp, Irwin, PA | 16.46 | 10 | 9.06 | 49 | 59 | | 20 | American National Bankshares, Danville, VA | 14.23 | 20 | 12.47 | 39 | 59 | | 21 | Civic BanCorp, Oakland, CA | 13.46 | 25 | 14.37 | 34 | 59 | | 22 | First of Long Island Corp., Glen Head, NY | 14.24 | 19 | 11.11 | 42 | 61 | | 23 | Foothill Independent Bancorp, Glendora, CA | 12.83 | 35 | 16.37 | 26 | 61 | | 24 | LNB Bancorp, Lorain, OH | 15.19 | 16 | 9.60 | 47 | 63 | | 25 | Peoples Bancorp of North Carolina, Newton, NC | 12.11 | 48 | 26.73 | 16 | 64 | | 26 | North Country Financial Corp., Traverse City, MI | 13.41 | 26 | 11.12 | 41 | 67 | | 27 | Fidelity Bancorp, Pittsburgh*** | 12.59 | 40 | 16.35 | 27 | 67 | | 28 | Commercial Bankshares, Miami | 12.97 | 33 | 14.00 | 35 | 68 | | 29 | First National Community Bancorp, Dunmore, PA | 15.52 | 14 | 7.27 | 55 | 69 | | 30 | Southern Financial Bancorp, Warrenton, VA | 10.23 | 62 | 121.26 | 7 | 69 | | 31 | Royal Bancshares of Pennsylvania, Narberth, PA | 12.96 | 34 | 13.64 | 36 | 70 | | 32 | Bank of the Sierra, Porterville, CA | 15.40 | 15 | 7.23 | 57 | 72 | | 33 | American West Bancorp., Spokane, WA | 14.66 | 18 | 7.28 | 54 | 72 | | 34 | First Chester County Corp., West Chester, PA | 13.54 | 24 | 9.51 | 48 | 72 | | 35 | FNB Corp., Christiansburg, VA | 13.84 | 23 | 9.06 | 50 | 73 | | 36 | Greater Community Bancorp, Totowa, NJ | 12.43 | 44 | 14.48 | 33 | 77 | | 37 | Fidelity Bancorp, Chicago*** | 8.94 | 71 | 119.77 | 8 | 79 | | 38 | Castle BancGroup, De Kalb, IL | 7.40 | 80 | 427.81 | 3 | 83 | | 39 | Vail Banks, Vail, CO | 8.48 | 75 | 58.19 | 9 | 84 | | 40 | BNCCORP, Bismarck, ND | 6.91 | 81 | 275.08 | 5 | 86 | | 41 | NewMil Bancorp, New Milford, CT | 9.81 | 64 | 19.88 | 24 | 88 | | 42 | Colony Bankcorp, Fitzgerald, GA | 13.02 | 31 | 7.13 | 58 | 89 | | 43 | Credit Acceptance Corp., Southfield, MI | 4.85 | 87 | 617.76 | 2 | 89 | | 44 | CoVest Bancshares, Des Plaines, IL | 8.80 | 72 | 25.78 | 18 | 90 | | 45 | Horizon Bancorp, Michigan City, IN | 4.84 | 88 | 319.04 | 4 | 92 | | 46 | Ledger Capital Corp., Gelndale, WI** | 8.97 | 70 | 19.90 | 23 | 93 | | 47 | First South Bancorp, Washington, NC*** | 6.38 | 83 | 55.50 | 10 | 93 | | 48 | Resource America, Philadelphia*** | 10.79 | 55 | 11.64 | 40 | 95 | | 49 | Bank of Granite Corp., Granite Falls, NC | 13.39 | 27 | 3.36 | 71 | 98 | | 50 | FLAG Financial Corp., LaGrange, GA | 5.09 | 86 | 47.97 | 12 | 98 | | 51 | Virginia Financial Corp., Staunton, VA | 13.09 | 29 | 3.47 | 70 | 99 | | 52 | National Bancshares Corp. of Texas, San Antonio, TX | 8.31 | 77 | 20.55 | 22 | 99 | | 53 | First Federal Financial Corp., Elizabethtown, KY** | 10.97 | 54 | 9.75 | 46 | 100 | | 54 | National Bankshares, Blacksburg, VA | 12.47 | 43 | 6.36 | 60 | 103 | | 55 | Shore Bancshares, Easton, MD | 11.45 | 51 | 8.28 | 52 | 103 | | 56 | Cass Information Systems, Bridgeton, MO | 12.47 | 42 | 5.41 | 63 | 105 | | 57 | ACNB Corp., Gettysburg, PA | 13.04 | 30 | 1.52 | 78 | 108 | | 58 | Tri City Bankshares Corp., Oak Creek, WI | 12.11 | 47 | 5.91 | 61 | 108 | | 59 | James River Bankshares, Suffolk, VA | 9.56 | 67 | 10.75 | 43 | 110 | | 60 | Yonkers Financial Corp., Yonkers, NY*** | 7.68 | 79 | 14.82 | 31 | 110 | | 61 | United Security Bancshares, Thomasville, AL | 12.98 | 32 | 0.11 | 79 | 111 | | 62 | Northrim Bank, Anchorage, AK | 12.73 | 37 | 2.05 | 75 | 112 | | 63 | Center Bancorp, Union, NJ | 12.54 | 41 | 3.34 | 72 | 113 | | 64 | Alliance Financial Corp., Cortland, NY | 9.44 | 68 | 10.15 | 45 | 113 | | 65 | Habersham Bancorp, Cornelia, GA | 6.65 | 82 | 14.80 | 32 | 114 | | 66 | South Alabama Bancorp., Mobile, AL | 10.49 | 57 | 6.68 | 59 | 116 | | 67 | Northern States Financial Corp., Waukegan, IL | 11.84 | 49 | 4.32 | 68 | 117 | | 68 | Merchants & Manufacturers Bancorp., New Berlin, WI | 9.61 | 66 | 8.03 | 53 | 119 | | 69 | Westbank Corp., West Springfield, MA | 12.24 | 46 | 2.39 | 74 | 120 | | 70 | First Mid-Illinois Bancshares, Mattoon, IL | 10.36 | 60 | 4.88 | 64 | 124 | | 71 | Ohio Valley Banc Corp., Gallipolis, OH | 10.42 | 58 | 4.37 | 67 | 125 | | 72 | CNB Financial Corp., Clearfield, PA | 10.23 | 63 | 5.84 | 62 | 125 | | 73 | DCB Financial Corp., Delaware, OH | 12.31 | 45 | -0.87 | 81 | 126 | | 74 | CENIT Bancorp, Norfolk, VA | 11.73 | 50 | 1.96 | 76 | 126 | | 75 | InterCounty Bancshares, Wilmington, OH | 11.42 | 52 | -5.03 | 83 | 135 | | 76 | Peoples BancTrust Co., Selma, AL | 9.72 | 65 | 3.04 | 73 | 138 | | 77 | Republic First Bancorp, Philadelphia | 10.66 | 56 | -5.37 | 84 | 140 | | 78 | Mahaska Investment Co., Oskaloosa, IA | 8.50 | 74 | 4.56 | 66 | 140 | | 79 | North Valley Bancorp, Redding, CA | 11.25 | 53 | -22.35 | 90 | 143 | | 80 | Farmers National Banc Corp., Canfield, OH | 10.39 | 59 | -7.22 | 86 | 145 | | 81 | Ameriana Bancorp, New Castle, IN | 8.25 | 78 | 4.24 | 69 | 147 | | 82 | FNB Corp., Asheboro, NC | 10.32 | 61 | -12.59 | 88 | 149 | | 83 | Team Financial, Paola, KS | 9.36 | 69 | -0.41 | 80 | 149 | | 84 | First Liberty Bank Corp., Jermyn, PA | 8.38 | 76 | 1.52 | 77 | 153 | | 85 | HPSC, Inc., Boston | 4.21 | 90 | 4.61 | 65 | 155 | | 86 | Peoples Financial Corp., Biloxi, MS | 8.78 | 73 | -5.46 | 85 | 158 | | 87 | First Midwest Financial, Storm Lake, IA*** | 6.25 | 84 | -9.71 | 87 | 171 | | 88 | Success Bancshares, Lincolnshire, IL | 4.45 | 89 | -2.82 | 82 | 171 | | 89 | Franklin Bank, Southfield, MI | 5.73 | 85 | -17.51 | 89 | 174 | | 90 | Ugly Duckling Corp., Phoenix | 2.66 | 91 | -147.17 | 91 | 182 | | * 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 | | | |