| 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 | | | |