COMMERCIAL BANKS — 3-YEAR PROFITABILITY RANKING

 
 U.S. BANKER RANKINGS       
The Second Hundred Largest Community Banking Companies — Fiscal Years 1998-2000
Profitability Ranking Based on ROAE and Growth in Per-Share EarningsAssets: $1.12 Bil. to $673 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 Boston Private Financial Holdings, Boston 18.52 4 31.95 8 12
2 Hanmi Financial Corp., Los Angeles 18.66 2 22.33 12 14
3 S.Y. Bancorp, Louisville, KY 20.54 1 21.05 15 16
4 UNB Corp., Canton, OH 17.97 6 21.77 14 20
5 Suffolk Bancorp, Riverhead, NY 18.66 3 14.90 24 27
6 Centennial Bancorp, Eugene, OR 18.25 5 15.21 23 28
7 Prosperity Bancshares, Houston 16.18 10 17.25 19 29
8 TriCo Bancshares, Chico, CA 14.81 22 29.52 9 31
9 Granite State Bankshares, Keene, NH 13.81 28 104.44 4 32
10 State Bancorp, New Hyde Park, NY 16.24 9 14.13 25 34
11 Community Banks, Millersburg, PA 15.10 17 18.35 17 34
12 Main Street Banks, Kennesaw, GA 15.59 12 13.63 26 38
13 Arrow Financial Corp., Glens Falls, NY 17.04 7 11.28 32 39
14 Century Bancorp, Medford, MA 14.99 19 15.90 20 39
15 Capital Crossing Bank, Boston 15.74 11 11.79 29 40
16 Oak Hill Financial, Jackson, OH 12.43 35 24.77 11 46
17 Central Coast Bancorp, Salinas, CA 15.50 13 10.75 35 48
18 Vista Bancorp, Phillipsburg, NJ 13.01 31 15.44 21 52
19 Capital Corp of the West, Merced, CA 10.72 50 190.27 2 52
20 Merchants Bancshares, Burlington, VT 16.77 8 7.79 45 53
21 Camden National Corp., Camden, ME 14.89 20 11.25 33 53
22 Farmers & Merchants, Lodi, CA 11.40 46 45.38 7 53
23 Lafayette Bancorp., Lafayette, IN 13.85 27 12.91 28 55
24 Interchange Financial Services Corp., Saddle Brook, NJ 15.41 15 8.71 42 57
25 PennRock Financial Services Corp., Blue Ball, PA 15.39 16 8.73 41 57
26 SJNB Financial Corp., San Jose, CA 14.82 21 9.03 39 60
27 Firstbank Corp., Alma, MI 13.28 30 11.75 30 60
28 Glacier Bancorp, Kalispell, MT 15.46 14 6.58 48 62
29 Hills Bancorp., Hills, IA 14.45 24 9.16 38 62
30 FVNB Corp., Victoria, TX 11.52 45 18.27 18 63
31 Bancorp Rhode Island, Providence, RI 9.75 55 26.05 10 65
32 First United Corp., Oakland, MD 13.30 29 9.33 37 66
33 Banc Corp., Birmingham, AL 3.62 65 286.36 1 66
34 Lakeland Bancorp, Oak Ridge, NJ 10.70 51 19.81 16 67
35 LSB Bancshares, Lexington, NC 12.49 34 11.00 34 68
36 Fidelity National Corp., Atlanta 7.67 63 63.07 5 68
37 Umpqua Holdings Corp., Roseburg, OR 12.88 33 10.31 36 69
38 ABC Bancorp, Moultrie, GA 11.73 43 12.95 27 70
39 State Financial Services Corp., Hales Corners, WI 3.20 67 143.46 3 70
40 American Bancorp., Wheeling, WV 15.07 18 2.00 53 71
41 First National Corp., Orangeburg, SC 12.04 40 11.42 31 71
42 Heritage Commerce Corp., San Jose, CA 9.45 58 22.15 13 71
43 Bank of the Ozarks, Little Rock, AR 14.61 23 5.67 49 72
44 Baylake Corp., Sturgeon Bay, WI 14.23 25 7.28 47 72
45 First Mariner Bancorp, Baltimore 3.41 66 59.39 6 72
46 MetroCorp Bancshares, Houston 13.90 26 5.53 50 76
47 Chemung Financial Corp., Elmira, NY 12.31 38 8.91 40 78
48 PrivateBancorp, Chicago 9.57 57 15.29 22 79
49 First National Bancorp, Joliet, IL 12.33 37 7.87 43 80
50 Rurban Financial Corp., Defiance, OH 11.93 41 7.84 44 85
51 First Bancorp, Troy, NC 12.88 32 0.73 56 88
52 CNB Financial Corp., Canajoharie, NY 12.34 36 -1.31 57 93
53 Citizens & Northern Corp., Wellsboro, PA 12.17 39 -4.32 59 98
54 NBC Capital Corp., Starkville, MS 10.17 53 7.36 46 99
55 Omega Financial Corp., State College, PA 11.28 47 1.85 54 101
56 Drovers Bancshares Corp., York, PA 11.91 42 -9.60 62 104
57 PAB Bankshares, Valdosta, GA 11.20 48 -6.29 61 109
58 Southside Bancshares Corp., St. Louis 10.14 54 1.20 55 109
59 Sun Bancorp, Selinsgrove, PA 11.58 44 -14.00 66 110
60 FNB Financial Services Corp., Reidsville, NC 9.33 59 4.86 51 110
61 Columbia Bancorp, Columbia, MD 10.34 52 -6.02 60 112
62 Exchange National Bancshares, Jefferson City, MO 9.21 60 4.79 52 112
63 First M & F Corp., Kosciusko, MS 10.94 49 -10.96 64 113
64 Union Bankshares Corp., Bowling Green, VA 9.62 56 -1.32 58 114
65 UnionBancorp, Ottawa, IL 8.30 61 -10.32 63 124
66 German American Bancorp, Jasper, IN 8.27 62 -13.89 65 127
67 Premier Financial Bancorp, Georgetown, KY 7.29 64 -30.21 67 131

* 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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