| U.S. BANKER RANKINGS | | The First One Hundred Largest Community Banks Fiscal Years 1998-2000 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. | | | | 3-Yr | 3-Yr | 3-Yr EPS | 3-Yr EPS | TOTAL | 3-Yr | | ROAE | ROAE | Growth | Growth | SCORE | Rank | Company | (%) | RANK | (%) | RANK | | | 1 | AmeriCredit Corp., Fort Worth, TX** | 20.90 | 3 | 45.91 | 8 | 11 | | 2 | Great Southern Bancorp, Springfield, MO | 21.62 | 1 | 26.82 | 19 | 20 | | 3 | GBC Bancorp, Los Angeles | 20.96 | 2 | 21.66 | 24 | 26 | | 4 | Southside Bancshares, Tyler, TX | 18.18 | 8 | 27.11 | 18 | 26 | | 5 | Parkvale Financial Corp., Monroeville, PA** | 15.37 | 19 | 29.18 | 14 | 33 | | 6 | Financial Federal Corp., New York (7-31-2000) | 16.19 | 15 | 23.96 | 20 | 35 | | 7 | Sterling Bancshares, Houston | 17.40 | 9 | 19.27 | 28 | 37 | | 8 | U.S.B. Holding Co., Orangeburg, NY | 16.43 | 12 | 21.16 | 27 | 39 | | 9 | Southwest Bancorp, Stillwater, OK | 14.35 | 34 | 50.40 | 7 | 41 | | 10 | Mississippi Valley Bancshares, St. Louis | 18.47 | 6 | 15.90 | 36 | 42 | | 11 | Hawthorne Financial Corp., El Segundo, CA | 14.82 | 30 | 30.49 | 12 | 42 | | 12 | Midwest Banc Holdings, Melrose Park, IL | 17.19 | 10 | 16.86 | 34 | 44 | | 13 | XTRA Corp., Westport, CT*** | 14.36 | 33 | 37.53 | 11 | 44 | | 14 | Frontier Financial Corp., Everett, WA | 18.95 | 5 | 14.87 | 40 | 45 | | 15 | MB Financial, Chicago | 12.94 | 47 | 54.80 | 6 | 53 | | 16 | Community Banks, Millersburg, PA | 15.10 | 25 | 18.35 | 30 | 55 | | 17 | CCBT Financial Cos., South Yarmouth, MA | 18.22 | 7 | 12.23 | 49 | 56 | | 18 | Sandy Spring Bancorp, Olney, MD | 15.91 | 17 | 13.74 | 42 | 59 | | 19 | Quaker City Bancorp, Whittier, CA** | 11.67 | 54 | 70.98 | 5 | 59 | | 20 | Eagle Bancshares, Tucker, GA* | 12.21 | 51 | 41.65 | 9 | 60 | | 21 | Independent Bank, Ionia, MI | 11.52 | 58 | 280.02 | 2 | 60 | | 22 | Andover Bancorp, Andover, MA | 15.12 | 23 | 15.28 | 38 | 61 | | 23 | Seacoast Banking Corp. of Florida, Stuart, FL | 13.46 | 41 | 21.53 | 25 | 66 | | 24 | Community Bank System, DeWitt, NY | 15.26 | 20 | 12.43 | 48 | 68 | | 25 | Mid-State Bancshares, Arroyo Grande, CA | 15.17 | 21 | 12.91 | 47 | 68 | | 26 | Univest Corp. of Pennsylvania, Souderton, PA | 15.12 | 24 | 13.27 | 45 | 69 | | 27 | Yardville National Bancorp, Hamilton, NJ | 14.98 | 28 | 14.56 | 41 | 69 | | 28 | ITLA Capital Corp., La Jolla, CA | 13.90 | 36 | 16.96 | 33 | 69 | | 29 | Sterling Bancorp, New York | 14.29 | 35 | 16.17 | 35 | 70 | | 30 | Oriental Financial Group, Rio Piedras, PR** | 20.68 | 4 | 7.20 | 67 | 71 | | 31 | Allegiant Bancorp, St. Louis | 11.45 | 59 | 30.32 | 13 | 72 | | 32 | Harleysville National Corp., Harleysville, PA | 16.38 | 13 | 9.16 | 60 | 73 | | 33 | First Busey Corp., Urbana, IL | 15.09 | 26 | 11.67 | 51 | 77 | | 34 | VIB Corp., El Centro, CA | 11.58 | 55 | 22.22 | 23 | 78 | | 35 | DVI, Inc., Jamison, PA** | 11.39 | 62 | 27.95 | 16 | 78 | | 36 | First Essex Bancorp, Andover, MA | 13.42 | 42 | 14.99 | 39 | 81 | | 37 | PennFed Financial Services, West Orange, NJ** | 11.20 | 68 | 28.80 | 15 | 83 | | 38 | Tompkins Trustco, Ithaca, NY | 16.12 | 16 | 7.18 | 68 | 84 | | 39 | Lakeland Financial Corp., Warsaw, IN | 15.68 | 18 | 7.22 | 66 | 84 | | 40 | First Financial Bankshares, Abilene, TX | 14.91 | 29 | 10.41 | 56 | 85 | | 41 | Provident Financial Holdings, Riverside, CA** | 8.93 | 83 | 92.04 | 3 | 86 | | 42 | Independent Bank Corp., Rockland, MA | 16.29 | 14 | 4.32 | 74 | 88 | | 43 | Financial Institutions, Warsaw, NY | 14.78 | 31 | 9.85 | 57 | 88 | | 44 | Medford Bancorp, Medford, MA | 13.52 | 39 | 11.30 | 53 | 92 | | 45 | IBERIABANK Corp., New Iberia, LA | 9.02 | 82 | 41.53 | 10 | 92 | | 46 | CB Bancshares, Honolulu | 5.41 | 92 | 1228.75 | 1 | 93 | | 47 | NetBank, Alpharetta, GA | 5.90 | 90 | 81.46 | 4 | 94 | | 48 | WSFS Financial Corp., Wilmington, DE | 17.03 | 11 | -2.36 | 84 | 95 | | 49 | BancFirst Ohio Corp., Zanesville, OH | 13.75 | 37 | 9.40 | 58 | 95 | | 50 | Old Second Bancorp, Aurora, IL | 12.15 | 52 | 13.42 | 43 | 95 | | 51 | Century South Banks, Alpharetta, GA | 11.94 | 53 | 13.41 | 44 | 97 | | 52 | CPB Inc., Honolulu | 11.42 | 60 | 15.60 | 37 | 97 | | 53 | Banner Corp., Walla Walla, WA | 9.35 | 81 | 27.15 | 17 | 98 | | 54 | First Community Bancshares, Bluefield, VA | 14.98 | 27 | 5.85 | 73 | 100 | | 55 | Flushing Financial Corp., Flushing, NY | 9.43 | 78 | 23.47 | 22 | 100 | | 56 | Washington Trust Bancorp, Westerly, RI | 14.58 | 32 | 7.17 | 69 | 101 | | 57 | Peoples Bancorp, Marietta, OH | 13.47 | 40 | 8.60 | 61 | 101 | | 58 | Alliance Bancorp, Hinsdale, IL | 10.48 | 73 | 17.12 | 32 | 105 | | 59 | BostonFed Bancorp, Burlington, MA | 9.94 | 76 | 17.48 | 31 | 107 | | 60 | Second Bancorp, Warren, OH | 7.71 | 88 | 23.91 | 21 | 109 | | 61 | Matrix Bancorp, Denver | 15.17 | 22 | -9.79 | 88 | 110 | | 62 | Capitol Bancorp Ltd., Lansing, MI | 11.54 | 57 | 11.08 | 54 | 111 | | 63 | OceanFirst Financial Corp., Toms River, NJ | 8.57 | 85 | 21.25 | 26 | 111 | | 64 | Sterling Financial Corp., Lancaster, PA | 13.73 | 38 | 4.16 | 75 | 113 | | 65 | Capital City Bank Group, Tallahassee, FL | 12.33 | 49 | 7.85 | 64 | 113 | | 66 | Sun Bancorp, Vineland, NJ | 11.41 | 61 | 11.43 | 52 | 113 | | 67 | Commonwealth Bancorp, Noristown, PA | 8.38 | 86 | 19.23 | 29 | 115 | | 68 | MBT Financial Corp., Monroe, MI | 13.11 | 45 | 6.71 | 72 | 117 | | 69 | First Merchants Corp., Muncie, IN | 12.98 | 46 | 7.00 | 71 | 117 | | 70 | Indiana United Bancorp, Greensburg, IN | 12.28 | 50 | 3.93 | 76 | 126 | | 71 | National City Bancorp., Minneapolis | 11.36 | 63 | 7.92 | 63 | 126 | | 72 | Republic Bancorp, Louisville, KY | 13.16 | 44 | -0.78 | 83 | 127 | | 73 | Fidelity Bankshares, West Palm Beach, FL | 9.78 | 77 | 12.21 | 50 | 127 | | 74 | First Oak Brook Bancshares, Oak Brook, IL | 13.21 | 43 | -3.43 | 85 | 128 | | 75 | Commercial Bank of New York | 8.90 | 84 | 12.96 | 46 | 130 | | 76 | Simmons First National Corp., Pine Bluff, AR | 11.19 | 69 | 8.01 | 62 | 131 | | 77 | ESB Financial Corp., Ellwood City, PA | 10.25 | 74 | 9.28 | 59 | 133 | | 78 | West Coast Bancorp, Lake Oswego, OR | 12.56 | 48 | -3.46 | 86 | 134 | | 79 | Chemical Financial Corp., Midland, MI | 11.29 | 64 | 7.04 | 70 | 134 | | 80 | First Federal S&L, East Hartford, CT | 9.35 | 79 | 10.72 | 55 | 134 | | 81 | F&M Bancorp, Frederick, MD | 10.60 | 70 | 7.43 | 65 | 135 | | 82 | Farmers Capital Bank Corp., Frankfort, KY | 11.56 | 56 | 1.98 | 81 | 137 | | 83 | Peoples Holding Co., Tupelo, MS | 11.25 | 66 | 2.05 | 80 | 146 | | 84 | Columbia Banking System, Tacoma, WA | 11.24 | 67 | 2.87 | 79 | 146 | | 85 | Omega Financial Corp., State College, PA | 11.28 | 65 | 1.85 | 82 | 147 | | 86 | Heartland Financial USA, Dubuque, IA | 10.52 | 72 | 3.88 | 77 | 149 | | 87 | USBANCORP, Johnstown, PA | 10.57 | 71 | -30.88 | 91 | 162 | | 88 | Metropolitan Financial Corp., Mayfield Heights, OH | 10.18 | 75 | -28.38 | 90 | 165 | | 89 | First National Bank, Anchorage | 8.06 | 87 | 3.53 | 78 | 165 | | 90 | Mid-America Bancorp, Louisville, KY | 9.35 | 80 | -19.31 | 89 | 169 | | 91 | Patriot Bank Corp., Pottstown, PA | 5.56 | 91 | -9.49 | 87 | 178 | | 92 | Main Street Bancorp, Reading, PA | 5.92 | 89 | -51.89 | 92 | 181 | | * 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. | | | |