| U.S. BANKER RANKINGS | | The Third Hundred Largest Community Banking Companies Fiscal Years 1998-2000 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 | | | | 3-Yr | 3-Yr | 3-Yr EPS | 3-Yr EPS | 3-Yr | 3-Yr | | ROAE | ROAE | Growth | Growth | TOTAL | RANK | Company | (%) | RANK | (%) | RANK | SCORE | | 1 | Nara Bancorp, Los Angeles | 20.44 | 3 | 54.21 | 8 | 11 | | 2 | Northern Empire Bancshares, Santa Rosa, CA | 21.96 | 1 | 25.94 | 13 | 14 | | 3 | GreatBanc, Aurora, IL | 13.97 | 16 | 133.67 | 4 | 20 | | 4 | Humboldt Bancorp, Eureka, CA | 15.61 | 8 | 22.45 | 15 | 23 | | 5 | Pacific Crest Capital, Agoura Hills, CA | 17.77 | 6 | 18.98 | 18 | 24 | | 6 | Peapack-Gladstone Financial Corp., Gladstone, NJ | 15.59 | 9 | 15.09 | 21 | 30 | | 7 | City Bank, Lynnwood, WA | 18.03 | 5 | 12.61 | 27 | 32 | | 8 | CoBiz Inc., Denver | 13.26 | 23 | 39.65 | 11 | 34 | | 9 | Summit Bancshares, Fort Worth, TX | 18.61 | 4 | 10.17 | 32 | 36 | | 10 | Wayne Bancorp, Wooster, OH | 13.86 | 17 | 15.57 | 20 | 37 | | 11 | IBT Bancorp, Irwin, PA | 16.46 | 7 | 9.06 | 36 | 43 | | 12 | American National Bankshares, Danville, VA | 14.23 | 15 | 12.47 | 28 | 43 | | 13 | Princeton National Bancorp, Princeton, IL | 12.60 | 33 | 41.27 | 10 | 43 | | 14 | Franklin Financial Corp., Franklin, TN | 20.60 | 2 | 7.27 | 42 | 44 | | 15 | First of Long Island Corp., Glen Head, NY | 14.24 | 14 | 11.11 | 30 | 44 | | 16 | Civic BanCorp, Oakland, CA | 13.46 | 20 | 14.37 | 24 | 44 | | 17 | LNB Bancorp, Lorain, OH | 15.19 | 12 | 9.60 | 34 | 46 | | 18 | First State Bancorporation, Albuquerque, NM | 12.74 | 31 | 22.44 | 16 | 47 | | 19 | Foothill Independent Bancorp, Glendora, CA | 12.83 | 30 | 16.37 | 19 | 49 | | 20 | North Country Financial Corp., Traverse City, MI | 13.41 | 21 | 11.12 | 29 | 50 | | 21 | First National Community Bancorp, Dunmore, PA | 15.52 | 10 | 7.27 | 41 | 51 | | 22 | American West Bancorp., Spokane, WA | 14.66 | 13 | 7.28 | 40 | 53 | | 23 | Commercial Bankshares, Miami | 12.97 | 28 | 14.00 | 25 | 53 | | 24 | Peoples Bancorp of North Carolina, Newton, NC | 12.11 | 41 | 26.73 | 12 | 53 | | 25 | Bank of the Sierra, Porterville, CA | 15.40 | 11 | 7.23 | 43 | 54 | | 26 | First Chester County Corp., West Chester, PA | 13.54 | 19 | 9.51 | 35 | 54 | | 27 | FNB Corp., Christiansburg, VA | 13.84 | 18 | 9.06 | 37 | 55 | | 28 | Royal Bancshares of Pennsylvania, Narberth, PA | 12.96 | 29 | 13.64 | 26 | 55 | | 29 | Southern Financial Bancorp, Warrenton, VA | 10.23 | 52 | 121.26 | 5 | 57 | | 30 | Greater Community Bancorp, Totowa, NJ | 12.43 | 37 | 14.48 | 23 | 60 | | 31 | Castle BancGroup, De Kalb, IL | 7.40 | 65 | 427.81 | 1 | 66 | | 32 | Vail Banks, Vail, CO | 8.48 | 62 | 58.19 | 6 | 68 | | 33 | BNCCORP, Bismarck, ND | 6.91 | 66 | 275.08 | 3 | 69 | | 34 | Colony Bankcorp, Fitzgerald, GA | 13.02 | 26 | 7.13 | 44 | 70 | | 35 | CoVest Bancshares, Des Plaines, IL | 8.80 | 59 | 25.78 | 14 | 73 | | 36 | Horizon Bancorp, Michigan City, IN | 4.84 | 71 | 319.04 | 2 | 73 | | 37 | First South Bancorp, Washington, NC*** | 6.38 | 68 | 55.50 | 7 | 75 | | 38 | Bank of Granite Corp., Granite Falls, NC | 13.39 | 22 | 3.36 | 55 | 77 | | 39 | Virginia Financial Corp., Staunton, VA | 13.09 | 24 | 3.47 | 54 | 78 | | 40 | FLAG Financial Corp., LaGrange, GA | 5.09 | 70 | 47.97 | 9 | 79 | | 41 | Shore Bancshares, Easton, MD | 11.45 | 43 | 8.28 | 38 | 81 | | 42 | National Bancshares Corp. of Texas, San Antonio, TX | 8.31 | 64 | 20.55 | 17 | 81 | | 43 | National Bankshares, Blacksburg, VA | 12.47 | 36 | 6.36 | 46 | 82 | | 44 | Cass Information Systems, Bridgeton, MO | 12.47 | 35 | 5.41 | 49 | 84 | | 45 | ACNB Corp., Gettysburg, PA | 13.04 | 25 | 1.52 | 61 | 86 | | 46 | Tri City Bankshares Corp., Oak Creek, WI | 12.11 | 40 | 5.91 | 47 | 87 | | 47 | James River Bankshares, Suffolk, VA | 9.56 | 56 | 10.75 | 31 | 87 | | 48 | United Security Bancshares, Thomasville, AL | 12.98 | 27 | 0.11 | 62 | 89 | | 49 | Habersham Bancorp, Cornelia, GA | 6.65 | 67 | 14.80 | 22 | 89 | | 50 | Center Bancorp, Union, NJ | 12.54 | 34 | 3.34 | 56 | 90 | | 51 | Alliance Financial Corp., Cortland, NY | 9.44 | 57 | 10.15 | 33 | 90 | | 52 | Northrim Bank, Anchorage, AK | 12.73 | 32 | 2.05 | 59 | 91 | | 53 | South Alabama Bancorp., Mobile, AL | 10.49 | 47 | 6.68 | 45 | 92 | | 54 | Merchants & Manufacturers Bancorp., New Berlin, WI | 9.61 | 55 | 8.03 | 39 | 94 | | 55 | Northern States Financial Corp., Waukegan, IL | 11.84 | 42 | 4.32 | 53 | 95 | | 56 | Westbank Corp., West Springfield, MA | 12.24 | 39 | 2.39 | 58 | 97 | | 57 | Ohio Valley Banc Corp., Gallipolis, OH | 10.42 | 48 | 4.37 | 52 | 100 | | 58 | First Mid-Illinois Bancshares, Mattoon, IL | 10.36 | 50 | 4.88 | 50 | 100 | | 59 | CNB Financial Corp., Clearfield, PA | 10.23 | 53 | 5.84 | 48 | 101 | | 60 | DCB Financial Corp., Delaware, OH | 12.31 | 38 | -0.87 | 64 | 102 | | 61 | InterCounty Bancshares, Wilmington, OH | 11.42 | 44 | -5.03 | 66 | 110 | | 62 | Peoples BancTrust Co., Selma, AL | 9.72 | 54 | 3.04 | 57 | 111 | | 63 | Mahaska Investment Co., Oskaloosa, IA | 8.50 | 61 | 4.56 | 51 | 112 | | 64 | Republic First Bancorp, Philadelphia | 10.66 | 46 | -5.37 | 67 | 113 | | 65 | North Valley Bancorp, Redding, CA | 11.25 | 45 | -22.35 | 72 | 117 | | 66 | Farmers National Banc Corp., Canfield, OH | 10.39 | 49 | -7.22 | 69 | 118 | | 67 | FNB Corp., Asheboro, NC | 10.32 | 51 | -12.59 | 70 | 121 | | 68 | Team Financial, Paola, KS | 9.36 | 58 | -0.41 | 63 | 121 | | 69 | First Liberty Bank Corp., Jermyn, PA | 8.38 | 63 | 1.52 | 60 | 123 | | 70 | Peoples Financial Corp., Biloxi, MS | 8.78 | 60 | -5.46 | 68 | 128 | | 71 | Success Bancshares, Lincolnshire, IL | 4.45 | 72 | -2.82 | 65 | 137 | | 72 | Franklin Bank, Southfield, MI | 5.73 | 69 | -17.51 | 71 | 140 | | * 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 | | | |