| U.S. BANKER RANKINGS | | The Third Hundred Largest Community Banking Companies Fiscal Years 1996-2000 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 | | | | 5-Yr | 5-Yr | 5-Yr EPS | 5-Yr EPS | 5-Yr | 5-Yr | | ROAE | ROAE | Growth | Growth | TOTAL | RANK | Company | (%) | RANK | (%) | RANK | SCORE | | 1 | Franklin Financial Corp., Franklin, TN | 21.45 | 1 | 34.36 | 12 | 13 | | 2 | City Bank, Lynnwood, WA | 18.69 | 2 | 14.29 | 26 | 28 | | 3 | PVF Capital Corp., Bedford Heights, OH** | 17.68 | 4 | 16.01 | 24 | 28 | | 4 | Resource America, Philadelphia*** | 14.61 | 12 | 24.38 | 16 | 28 | | 5 | GreatBanc, Aurora, IL | 13.44 | 21 | 79.13 | 8 | 29 | | 6 | Summit Bancshares, Fort Worth, TX | 18.56 | 3 | 14.21 | 27 | 30 | | 7 | Bancorp Connecticut, Southington, CT | 14.96 | 8 | 16.48 | 23 | 31 | | 8 | Pacific Crest Capital, Agoura Hills, CA | 16.06 | 5 | 13.77 | 28 | 33 | | 9 | Republic First Bancorp, Philadelphia | 13.33 | 24 | 40.13 | 11 | 35 | | 10 | First Mutual Bancshares, Bellevue, WA | 15.71 | 6 | 12.85 | 31 | 37 | | 11 | Peapack-Gladstone Financial Corp., Gladstone, NJ | 14.68 | 10 | 12.28 | 32 | 42 | | 12 | Civic BanCorp, Oakland, CA | 13.36 | 23 | 18.50 | 20 | 43 | | 13 | LNB Bancorp, Lorain, OH | 14.76 | 9 | 11.36 | 35 | 44 | | 14 | Princeton National Bancorp, Princeton, IL | 11.45 | 42 | 196.90 | 3 | 45 | | 15 | First National Community Bancorp, Dunmore, PA | 15.45 | 7 | 9.63 | 41 | 48 | | 16 | First State Bancorporation, Albuquerque, NM | 12.59 | 31 | 23.54 | 17 | 48 | | 17 | Northrim Bank, Anchorage, AK | 13.30 | 25 | 15.16 | 25 | 50 | | 18 | First of Long Island Corp., Glen Head, NY | 13.92 | 16 | 10.51 | 37 | 53 | | 19 | American West Bancorp., Spokane, WA | 14.61 | 13 | 7.57 | 46 | 59 | | 20 | American National Bankshares, Danville, VA | 13.07 | 29 | 13.20 | 30 | 59 | | 21 | Fidelity Bancorp, Pittsburgh*** | 11.03 | 46 | 27.74 | 14 | 60 | | 22 | Foothill Independent Bancorp, Glendora, CA | 12.55 | 32 | 13.27 | 29 | 61 | | 23 | Commercial Bankshares, Miami | 9.67 | 55 | 96.73 | 7 | 62 | | 24 | First Chester County Corp., West Chester, PA | 13.52 | 20 | 8.35 | 43 | 63 | | 25 | Colony Bankcorp, Fitzgerald, GA | 12.86 | 30 | 12.14 | 33 | 63 | | 26 | Peoples Bancorp of North Carolina, Newton, NC | 11.06 | 45 | 22.88 | 19 | 64 | | 27 | FNB Corp., Christiansburg, VA | 14.06 | 15 | 6.93 | 50 | 65 | | 28 | CENIT Bancorp, Norfolk, VA | 10.95 | 47 | 23.31 | 18 | 65 | | 29 | Credit Acceptance Corp., Southfield, MI | 6.77 | 65 | 357.50 | 2 | 67 | | 30 | Bank of Granite Corp., Granite Falls, NC | 14.67 | 11 | 5.63 | 57 | 68 | | 31 | Wayne Bancorp, Wooster, OH | 13.12 | 28 | 10.08 | 40 | 68 | | 32 | Royal Bancshares of Pennsylvania, Narberth, PA | 12.47 | 34 | 11.43 | 34 | 68 | | 33 | DCB Financial Corp., Delaware, OH | 13.39 | 22 | 6.62 | 51 | 73 | | 34 | BNCCORP, Bismarck, ND | 6.52 | 68 | 163.75 | 5 | 73 | | 35 | Horizon Bancorp, Michigan City, IN | 6.25 | 69 | 186.38 | 4 | 73 | | 36 | Ledger Capital Corp., Gelndale, WI** | 8.18 | 61 | 28.69 | 13 | 74 | | 37 | Fidelity Bancorp, Chicago*** | 6.55 | 67 | 56.07 | 9 | 76 | | 38 | Greater Community Bancorp, Totowa, NJ | 11.96 | 39 | 10.40 | 38 | 77 | | 39 | Virginia Financial Corp., Staunton, VA | 13.82 | 17 | 4.72 | 61 | 78 | | 40 | National Bancshares Corp. of Texas, San Antonio, TX | 9.04 | 56 | 16.88 | 22 | 78 | | 41 | CoVest Bancshares, Des Plaines, IL | 6.95 | 63 | 24.52 | 15 | 78 | | 42 | Northern States Financial Corp., Waukegan, IL | 11.86 | 40 | 10.17 | 39 | 79 | | 43 | HPSC, Inc., Boston | 3.69 | 73 | 162.17 | 6 | 79 | | 44 | FLAG Financial Corp., LaGrange, GA | 5.89 | 70 | 47.67 | 10 | 80 | | 45 | Merchants & Manufacturers Bancorp., New Berlin, WI | 8.53 | 60 | 17.14 | 21 | 81 | | 46 | ACNB Corp., Gettysburg, PA | 13.61 | 19 | 3.47 | 64 | 83 | | 47 | National Bankshares, Blacksburg, VA | 12.40 | 36 | 7.36 | 47 | 83 | | 48 | United Security Bancshares, Thomasville, AL | 13.74 | 18 | 1.50 | 66 | 84 | | 49 | Tri City Bankshares Corp., Oak Creek, WI | 12.39 | 37 | 7.34 | 48 | 85 | | 50 | North Valley Bancorp, Redding, CA | 14.30 | 14 | -8.14 | 72 | 86 | | 51 | Cass Information Systems, Bridgeton, MO | 13.17 | 27 | 5.43 | 59 | 86 | | 52 | Center Bancorp, Union, NJ | 13.26 | 26 | 3.97 | 63 | 89 | | 53 | Westbank Corp., West Springfield, MA | 12.51 | 33 | 5.52 | 58 | 91 | | 54 | Mahaska Investment Co., Oskaloosa, IA | 10.70 | 48 | 8.20 | 44 | 92 | | 55 | Shore Bancshares, Easton, MD | 11.09 | 44 | 7.19 | 49 | 93 | | 56 | Ohio Valley Banc Corp., Gallipolis, OH | 10.67 | 49 | 7.86 | 45 | 94 | | 57 | James River Bankshares, Suffolk, VA | 8.98 | 58 | 11.16 | 36 | 94 | | 58 | Ameriana Bancorp, New Castle, IN | 7.69 | 62 | 9.28 | 42 | 104 | | 59 | InterCounty Bancshares, Wilmington, OH | 12.27 | 38 | 0.80 | 67 | 105 | | 60 | FNB Corp., Asheboro, NC | 11.68 | 41 | 1.59 | 65 | 106 | | 61 | CNB Financial Corp., Clearfield, PA | 10.45 | 52 | 6.35 | 54 | 106 | | 62 | South Alabama Bancorp., Mobile, AL | 10.54 | 51 | 5.79 | 56 | 107 | | 63 | Alliance Financial Corp., Cortland, NY | 9.92 | 54 | 6.57 | 53 | 107 | | 64 | Peoples BancTrust Co., Selma, AL | 10.23 | 53 | 6.18 | 55 | 108 | | 65 | First Mid-Illinois Bancshares, Mattoon, IL | 10.64 | 50 | 5.25 | 60 | 110 | | 66 | Farmers National Banc Corp., Canfield, OH | 11.09 | 43 | 0.73 | 68 | 111 | | 67 | Habersham Bancorp, Cornelia, GA | 6.92 | 64 | 6.61 | 52 | 116 | | 68 | NewMil Bancorp, New Milford, CT | 8.83 | 59 | 4.43 | 62 | 121 | | 69 | First Liberty Bank Corp., Jermyn, PA | 8.98 | 57 | -1.70 | 70 | 127 | | 70 | First Midwest Financial, Storm Lake, IA*** | 6.68 | 66 | -3.95 | 71 | 137 | | 71 | Franklin Bank, Southfield, MI | 5.31 | 72 | -0.44 | 69 | 141 | | 72 | Ugly Duckling Corp., Phoenix | 5.72 | 71 | -54.37 | 73 | 144 | | * 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 | | | |