COMMERCIAL BANKS — 1-YEAR PROFITABILITY RANKING

 
 U.S. BANKER RANKINGS       
Community Banking Companies — Fiscal Year 2000
Profitability Ranking Based on ROAE and Growth in Per-Share EarningsAssets: $201.8 Mil. to $276.6 Mil.

1-Yr   1-Yr 1-Yr 1-Yr EPS 1-Yr EPS 1-Yr
Rank Company ROAE ROAE Av Growth+ Av Growth+ TOTAL
    (%) Rank (%) Rank SCORE
1 National Mercantile Bancorp, Los Angeles 20.49 1 163.4 1 2
2 Eufaula BancCorp, Eufaula, AL 16.77 6 113.3 5 11
3 Lenawee Bancorp, Adrian, MI 16.53 9 102.7 7 16
4 MCB Financial Corp., San Rafael, CA 19.78 2 35.5 15 17
5 Bridge View Bancorp, Englewood Cliffs, NJ 19.47 3 30.5 16 19
6 Valencia Bank & Trust, Santa Clarita, CA 15.26 11 36.6 14 25
7 Tower Bancorp, Greencastle, PA 16.77 7 27.8 19 26
8 United Financial Holdings, St. Petersburg, FL 16.74 8 27.8 20 28
9 Bank of Tidewater, Virginia Beach, VA 17.32 5 20.0 26 31
10 Community Bankshares, Orangeburg, SC 14.51 18 44.1 13 31
11 Redding Bancorp, Redding, CA 17.95 4 15.2 31 35
12 CNBC Bancorp, Worthington, OH 14.70 15 20.5 23 38
13 Glen Burnie Bancorp, Glen Burnie, MD 12.94 29 80.0 10 39
14 Fauquier Bankshares, Warrenton, VA 14.13 19 20.7 22 41
15 Community Bank, Pilot Mountain, NC 16.29 10 15.0 32 42
16 Americorp, Ventura, CA 15.17 12 16.1 30 42
17 Plumas Bank, Quincy, CA 14.91 13 17.8 29 42
18 Stewardship Financial Corp., Midland Park, NJ 14.52 17 18.6 28 45
19 Benchmark Bankshares, Kenbridge, VA 14.89 14 14.5 33 47
20 Central Valley Community Bancorp, Clovis, CA 10.48 43 141.8 4 47
21 Beverly National Corp., Beverly, MA 12.63 30 20.2 25 55
22 Bank of the Northwest, Portland, OR 9.17 53 150.0 2 55
23 Peoples Bancorp., Easley, SC 9.89 47 85.7 9 56
24 Dimeco, Inc., Honesdale, PA 13.50 23 12.8 34 57
25 Illini Corp., Springfield, IL 9.42 51 104.1 6 57
26 Merrill Merchants Bancshares, Bangor, ME 11.94 31 20.0 27 58
27 Commercial National Financial Corp., Ithaca, MI 14.68 16 4.9 43 59
28 Summit Financial Corp., Greenville, SC 13.57 22 11.3 37 59
29 Appalachian Bancshares, Ellijay, GA 10.83 40 22.2 21 61
30 Salisbury Bancorp, Lakeville, CT 13.64 21 7.9 41 62
31 Chesapeake Financial Shares, Kilmarnock, VA 13.34 24 10.0 38 62
32 Idaho Independent Bank, Coeur D'Alene, ID 10.42 44 29.5 18 62
33 CCF Holding Co., Jonesboro, GA 10.12 46 29.8 17 63
34 MountainBank Financial Corp., Hendersonville, NC 7.43 60 147.8 3 63
35 Salem Community Bankshares, Salem, VA 12.97 28 11.6 36 64
36 Community Central Bank Corp., Mount Clemens, MI 7.93 59 57.1 11 70
37 Tower Financial Corp., Fort Wayne, IN 5.04 64 100.0 8 72
38 ECB Bancorp, Engelhard, NC 10.96 39 11.9 35 74
39 Pointe Financial Corp., Boca Raton, FL 6.84 62 51.8 12 74
40 First National Corp., Strasburg, VA 11.90 32 4.7 44 76
41 F & M Bank Corp., Timberville, VA 13.88 20 -3.9 58 78
42 Killbuck Bancshares, Killbuck, OH 10.98 38 8.9 40 78
43 County Bank Corp., Lapeer, MI 13.24 27 0.7 52 79
44 Community National Bancorp., Ashburn, GA 8.14 56 20.3 24 80
45 Premier Community Bankshares, Winchester, VA 11.45 35 3.8 46 81
46 Four Oaks Fincorp, Four Oaks, NC 13.24 26 -0.7 56 82
47 First Litchfield Financial Corp., Litchfield, CT 11.40 36 2.8 47 83
48 First West Virginia Bancorp, Wheeling, WV 13.33 25 -5.0 60 85
49 Jeffersonville Bancorp, Jeffersonville, NY 11.64 34 -0.5 55 89
50 SVB Financial Services, Somerville, NJ 9.43 50 9.3 39 89
51 Bank of Hampton Roads, Chesapeake, VA 9.53 48 5.3 42 90
52 Britton & Koontz Capital Corp., Natchez, MS 10.70 41 1.6 50 91
53 Community Bancorp., Derby, VT 10.69 42 1.4 51 93
54 Pinnacle Bancshares, Jasper, AL 9.44 49 4.3 45 94
55 North Bay Bancorp, Napa, CA 11.71 33 -11.3 62 95
56 Southwest Georgia Financial Corp., Moultrie, GA 11.07 37 -10.3 61 98
57 Highlands Bankshares, Petersburg, WV 9.40 52 2.4 48 100
58 CCFNB Bancorp, Bloomsburg, PA 8.59 54 2.0 49 103
59 Combanc Inc., Delphos, OH 10.15 45 -4.7 59 104
60 East Penn Bank, Emmaus, PA 7.31 61 0.0 53 114
61 Guaranty Financial Corp., Charlottesville, VA 3.94 65 0.0 54 119
62 United Bancshares, Columbus Grove, OH 8.48 55 -37.6 66 121
63 Commercial Bancshares, Upper Sandusky, OH 8.11 57 -30.1 65 122
64 Bay Banks of Virginia, Kilmarnock, VA 8.02 58 -25.1 64 122
65 Cardinal Financial Corp., Fairfax, VA -11.04 68 -3.0 57 125
66 Crescent Banking Co., Jasper, GA 6.82 63 -19.7 63 126
67 Commonwealth Bankshares, Norfolk, VA 2.34 66 -75.0 67 133
68 PSB Bancorp, Philadelphia 0.45 67 -90.0 68 135

* 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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