U.S. BANKER RANKINGS       
The First One Hundred Largest Community Banks — Fiscal Years 1996-2000
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

5-Yr   5-Yr 5-Yr 5-Yr EPS 5-Yr EPS TOTAL
Rank Company ROAE ROAE Growth Growth SCORE
  (%) RANK (%) RANK  
1 GBC Bancorp, Los Angeles 20.17 1 47.40 7 8
2 AmeriCredit Corp., Fort Worth, TX** 18.54 5 29.21 9 14
3 Hawthorne Financial Corp., El Segundo, CA 16.41 13 39.59 8 21
4 Great Southern Bancorp, Springfield, MO 19.43 3 18.58 19 22
5 Financial Federal Corp., New York (7-31-2000) 14.82 20 23.09 12 32
6 Mississippi Valley Bancshares, St. Louis 18.45 8 16.84 26 34
7 Midwest Banc Holdings, Melrose Park, IL 17.58 10 17.74 24 34
8 Frontier Financial Corp., Everett, WA 19.14 4 14.90 31 35
9 CCBT Financial Cos., South Yarmouth, MA 17.71 9 16.80 27 36
10 Mid-State Bancshares, Arroyo Grande, CA 13.88 32 49.75 5 37
11 Southside Bancshares, Tyler, TX 16.04 17 18.36 21 38
12 Sterling Bancshares, Houston 17.29 11 16.38 28 39
13 First Oak Brook Bancshares, Oak Brook, IL 14.82 21 18.38 20 41
14 ITLA Capital Corp., La Jolla, CA 13.56 38 85.67 3 41
15 Oriental Financial Group, Rio Piedras, PR** 20.13 2 10.97 45 47
16 Sterling Bancorp, New York 13.72 35 21.60 13 48
17 Republic Bancorp, Louisville, KY 12.57 46 64.43 4 50
18 U.S.B. Holding Co., Orangeburg, NY 15.51 18 14.10 33 51
19 Andover Bancorp, Andover, MA 14.50 26 16.20 30 56
20 Harleysville National Corp., Harleysville, PA 16.14 14 11.36 43 57
21 Parkvale Financial Corp., Monroeville, PA** 14.28 28 16.36 29 57
22 XTRA Corp., Westport, CT*** 13.42 39 19.34 18 57
23 Southwest Bancorp, Stillwater, OK 12.55 47 23.34 11 58
24 Sandy Spring Bancorp, Olney, MD 14.76 23 13.65 36 59
25 Lakeland Financial Corp., Warsaw, IN 16.07 16 10.41 48 64
26 Independent Bank., Ionia, MI 10.34 64 153.40 2 66
27 Tompkins Trustco, Ithaca, NY 16.72 12 8.64 56 68
28 Community Bank System, DeWitt, NY 14.70 24 11.07 44 68
29 Independent Bank Corp., Rockland, MA 16.10 15 8.89 55 70
30 Yardville National Bancorp, Hamilton, NJ 14.10 31 12.75 39 70
31 VIB Corp., El Centro, CA 11.31 55 20.69 15 70
32 Allegiant Bancorp, St. Louis 11.21 56 21.46 14 70
33 Univest Corp. of Pennsylvania, Souderton, PA 14.25 29 11.49 42 71
34 Community Banks, Millersburg, PA 13.63 37 13.90 35 72
35 Matrix Bancorp, Denver 18.50 7 5.80 66 73
36 Peoples Bancorp, Marietta, OH 13.83 34 12.45 40 74
37 Quaker City Bancorp, Whittier, CA** 8.87 69 49.46 6 75
38 First Financial Bankshares, Abilene, TX 14.77 22 9.08 54 76
39 First Busey Corp, Urbana, IL 14.42 27 10.36 49 76
40 CB Bancshares, Honolulu 5.62 76 735.26 1 77
41 BancFirst Ohio Corp., Zanesville, OH 12.90 41 13.16 37 78
42 Metropolitan Financial Corp., Mayfield Heights, OH 10.78 62 19.61 17 79
43 WSFS Financial Corp., Wilmington, DE 18.50 6 -6.57 74 80
44 Capitol Bancorp Ltd., Lansing, MI 11.98 49 14.56 32 81
45 Commercial Bank of New York 9.54 66 20.50 16 82
46 Indiana United Bancorp, Greensburg, IN 12.62 45 12.88 38 83
47 First Community Bancshares, Bluefield, VA 15.45 19 6.80 65 84
48 IBERIABANK Corp., New Iberia, LA 7.24 75 25.67 10 85
49 Washington Trust Bancorp, Westerly, RI 14.59 25 7.03 64 89
50 Alliance Bancorp, Hinsdale, IL 9.21 67 17.89 22 89
51 MBT Financial Corp., Monroe, MI 14.21 30 7.60 61 91
52 Sun Bancorp, Vineland, NJ 11.82 50 12.13 41 91
53 First Essex Bancorp, Andover, MA 13.16 40 10.10 52 92
54 Medford Bancorp, Medford, MA 12.82 42 10.20 50 92
55 Second Bancorp, Warren, OH 8.85 70 17.80 23 93
56 Capital City Bank Group, Tallahassee, FL 12.72 43 10.15 51 94
57 Fidelity Bankshares, West Palm Beach, FL 8.26 74 17.70 25 99
58 National City Bancorp., Minneapolis 11.52 54 10.60 47 101
59 ESB Financial Corp., Ellwood City, PA 8.97 68 13.96 34 102
60 First Merchants Corp., Muncie, IN 12.68 44 7.69 60 104
61 Sterling Financial Corp., Lancaster, PA 13.87 33 3.98 73 106
62 West Coast Bancorp, Lake Oswego, OR 13.72 36 4.88 70 106
63 Old Second Bancorp, Aurora, IL 11.55 53 10.00 53 106
64 CPB Inc., Honolulu 10.94 61 10.72 46 107
65 Farmers Capital Bank Corp., Frankfort, KY 11.80 51 8.18 59 110
66 Simmons First National Corp., Pine Bluff, AR 11.01 60 8.20 58 118
67 Chemical Financial Corp., Midland, MI 11.17 58 7.43 62 120
68 Omega Financial Corp., State College, PA 11.72 52 5.05 69 121
69 Mid-America Bancorp, Louisville, KY 10.27 65 8.54 57 122
70 USBANCORP, Johnstown, PA 12.02 48 -7.80 75 123
71 Heartland Financial USA, Dubuque, IA 11.03 59 5.06 68 127
72 Peoples Holding Co., Tupelo, MS 11.18 57 4.34 72 129
73 F&M Bancorp, Frederick, MD 10.62 63 5.78 67 130
74 First Federal S&L, East Hartford, CT 8.75 71 7.17 63 134
75 First National Bank, Anchorage 8.60 72 4.87 71 143
76 Main Street Bancorp, Reading, PA 8.59 73 -21.12 76 149

* 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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