| U.S. BANKER RANKINGS | | The Third Hundred Largest Community Banking Companies 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 | | | | 1-Yr | 1-Yr | 1-Yr EPS | 1-Yr EPS | 1-Yr | 1-Yr | | ROAE | ROAE | Growth | Growth | TOTAL | RANK | Company | (%) | RANK | (%) | RANK | SCORE | | 1 | Nara Bancorp, Los Angeles | 30.31 | 1 | 147.50 | 8 | 9 | | 2 | GreatBanc, Aurora, IL | 27.40 | 2 | 195.15 | 7 | 9 | | 3 | Southern Financial Bancorp, Warrenton, VA | 15.96 | 10 | 420.00 | 4 | 14 | | 4 | Princeton National Bancorp, Princeton, IL | 18.66 | 6 | 128.43 | 9 | 15 | | 5 | Northern Empire Bancshares, Santa Rosa, CA | 20.87 | 3 | 24.11 | 21 | 24 | | 6 | Humboldt Bancorp, Eureka, CA | 15.93 | 11 | 33.73 | 16 | 27 | | 7 | CoBiz Inc., Denver | 15.58 | 13 | 36.11 | 14 | 27 | | 8 | First State Bancorporation, Albuquerque, NM | 15.23 | 16 | 43.56 | 13 | 29 | | 9 | Commercial Bankshares, Miami | 15.43 | 14 | 22.63 | 22 | 36 | | 10 | Horizon Bancorp, Michigan City, IN | 12.41 | 37 | 1126.00 | 2 | 39 | | 11 | City Bank, Lynnwood, WA | 17.42 | 8 | 14.72 | 32 | 40 | | 12 | Pacific Crest Capital, Agoura Hills, CA | 19.31 | 5 | 10.44 | 38 | 43 | | 13 | First Chester County Corp., West Chester, PA | 15.03 | 17 | 15.93 | 29 | 46 | | 14 | Royal Bancshares of Pennsylvania, Narberth, PA | 14.30 | 21 | 16.81 | 26 | 47 | | 15 | LNB Bancorp, Lorain, OH | 15.83 | 12 | 10.50 | 37 | 49 | | 16 | Foothill Independent Bancorp, Glendora, CA | 14.23 | 22 | 16.00 | 28 | 50 | | 17 | Cass Information Systems, Bridgeton, MO | 13.16 | 31 | 25.47 | 19 | 50 | | 18 | Franklin Financial Corp., Franklin, TN | 19.59 | 4 | 5.56 | 50 | 54 | | 19 | Civic BanCorp, Oakland, CA | 13.56 | 26 | 15.45 | 30 | 56 | | 20 | Castle BancGroup, De Kalb, IL | 9.71 | 55 | 1316.67 | 1 | 56 | | 21 | IBT Bancorp, Irwin, PA | 16.87 | 9 | 6.19 | 48 | 57 | | 22 | American National Bankshares, Danville, VA | 14.74 | 19 | 9.23 | 39 | 58 | | 23 | Greater Community Bancorp, Totowa, NJ | 13.43 | 28 | 15.38 | 31 | 59 | | 24 | Peapack-Gladstone Financial Corp., Gladstone, NJ | 15.30 | 15 | 7.33 | 45 | 60 | | 25 | Peoples Bancorp of North Carolina, Newton, NC | 12.74 | 36 | 18.44 | 24 | 60 | | 26 | BNCCORP, Bismarck, ND | 9.37 | 57 | 860.00 | 3 | 60 | | 27 | Shore Bancshares, Easton, MD | 12.98 | 34 | 16.54 | 27 | 61 | | 28 | James River Bankshares, Suffolk, VA | 10.93 | 46 | 32.98 | 17 | 63 | | 29 | Macatawa Bank Corp., Zeeland, MI | 9.31 | 59 | 328.57 | 5 | 64 | | 30 | Summit Bancshares, Fort Worth, TX | 17.57 | 7 | -0.72 | 58 | 65 | | 31 | Virginia Financial Corp., Staunton, VA | 13.00 | 33 | 12.23 | 35 | 68 | | 32 | National Bancshares Corp. of Texas, San Antonio, TX | 9.35 | 58 | 93.75 | 10 | 68 | | 33 | FNB Corp., Christiansburg, VA | 13.77 | 25 | 7.55 | 44 | 69 | | 34 | Merchants & Manufacturers Bancorp., New Berlin, WI | 10.24 | 52 | 27.22 | 18 | 70 | | 35 | Wayne Bancorp, Wooster, OH | 14.55 | 20 | 4.73 | 51 | 71 | | 36 | Center Bancorp, Union, NJ | 13.43 | 29 | 8.20 | 42 | 71 | | 37 | Mercantile Bank Corp., Grand Rapids, MI | 9.49 | 56 | 33.75 | 15 | 71 | | 38 | First National Community Bancorp, Dunmore, PA | 14.94 | 18 | 1.70 | 55 | 73 | | 39 | Bank of Granite Corp., Granite Falls, NC | 13.41 | 30 | 7.81 | 43 | 73 | | 40 | CNB Financial Corp., Clearfield, PA | 10.78 | 48 | 18.40 | 25 | 73 | | 41 | FLAG Financial Corp., LaGrange, GA | 7.95 | 67 | 246.67 | 6 | 73 | | 42 | ACNB Corp., Gettysburg, PA | 13.50 | 27 | 6.67 | 47 | 74 | | 43 | Tri City Bankshares Corp., Oak Creek, WI | 12.04 | 40 | 11.19 | 36 | 76 | | 44 | Habersham Bancorp, Cornelia, GA | 8.21 | 64 | 67.16 | 12 | 76 | | 45 | CoVest Bancshares, Des Plaines, IL | 9.75 | 54 | 20.43 | 23 | 77 | | 46 | Mahaska Investment Co., Oskaloosa, IA | 8.04 | 66 | 76.79 | 11 | 77 | | 47 | South Alabama Bancorp., Mobile, AL | 11.18 | 44 | 12.99 | 34 | 78 | | 48 | Colony Bankcorp, Fitzgerald, GA | 12.12 | 39 | 8.51 | 41 | 80 | | 49 | National Bankshares, Blacksburg, VA | 13.13 | 32 | 6.12 | 49 | 81 | | 50 | Bank of the Sierra, Porterville, CA | 14.15 | 23 | -1.64 | 59 | 82 | | 51 | First of Long Island Corp., Glen Head, NY | 13.97 | 24 | -2.48 | 60 | 84 | | 52 | Peoples BancTrust Co., Selma, AL | 10.17 | 53 | 14.56 | 33 | 86 | | 53 | Northrim Bank, Anchorage, AK | 11.44 | 43 | 7.14 | 46 | 89 | | 54 | First South Bancorp, Washington, NC*** | 7.71 | 69 | 24.18 | 20 | 89 | | 55 | First Mid-Illinois Bancshares, Mattoon, IL | 10.55 | 50 | 9.17 | 40 | 90 | | 56 | Northern States Financial Corp., Waukegan, IL | 11.80 | 42 | 0.56 | 56 | 98 | | 57 | American West Bancorp., Spokane, WA | 12.74 | 35 | -13.04 | 64 | 99 | | 58 | Alliance Financial Corp., Cortland, NY | 10.86 | 47 | 2.78 | 53 | 100 | | 59 | Westbank Corp., West Springfield, MA | 11.80 | 41 | -7.29 | 62 | 103 | | 60 | North Country Financial Corp., Traverse City, MI | 12.13 | 38 | -17.98 | 66 | 104 | | 61 | Ohio Valley Banc Corp., Gallipolis, OH | 10.29 | 51 | 2.46 | 54 | 105 | | 62 | DCB Financial Corp., Delaware, OH | 11.12 | 45 | -2.63 | 61 | 106 | | 63 | United Security Bancshares, Thomasville, AL | 10.66 | 49 | -17.11 | 65 | 114 | | 64 | Vail Banks, Vail, CO | 8.04 | 65 | 0.00 | 57 | 122 | | 65 | Virginia Capital Bancshares, Fredericksburg, VA | 4.97 | 73 | 3.41 | 52 | 125 | | 66 | Team Financial, Paola, KS | 8.25 | 63 | -11.83 | 63 | 126 | | 67 | Republic First Bancorp, Philadelphia | 9.03 | 60 | -27.03 | 70 | 130 | | 68 | InterCounty Bancshares, Wilmington, OH | 8.85 | 61 | -28.81 | 71 | 132 | | 69 | Farmers National Banc Corp., Canfield, OH | 8.37 | 62 | -30.56 | 72 | 134 | | 70 | First Liberty Bank Corp., Jermyn, PA | 7.79 | 68 | -23.40 | 68 | 136 | | 71 | Peoples Financial Corp., Biloxi, MS | 5.64 | 72 | -25.47 | 69 | 141 | | 72 | Success Bancshares, Lincolnshire, IL | 4.11 | 74 | -20.00 | 67 | 141 | | 73 | FNB Corp., Asheboro, NC | 6.59 | 70 | -36.70 | 73 | 143 | | 74 | North Valley Bancorp, Redding, CA | 5.82 | 71 | -56.20 | 74 | 145 | | 75 | Franklin Bank, Southfield, MI | 0.35 | 75 | -96.39 | 75 | 150 | | * 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 | | | |