COMMERCIAL BANKS — 3-YEAR PROFITABILITY RANKING

 
 U.S. BANKER RANKINGS       
Community Banking Companies — Fiscal Years 1998-2000
Profitability Ranking Based on ROAE and Growth in Per-Share EarningsAssets: $130.5 Mil. to $201.7 Mil.

3-Yr   3-Yr Av 3-Yr Av 3-Yr EPS 3-Yr EPS 3-Yr
Rank Company ROAE ROAE Av Growth+ Av Growth+ TOTAL
    (%) Rank (%) Rank SCORE
1 First American Bank, Rosemead, CA 23.40 1 1391.1 1 2
2 First Cherokee Bancshares, Woodstock, GA 12.34 8 114.6 3 11
3 Abigail Adams National Bancorp, Washington 12.09 9 103.2 4 13
4 Heritage Oaks Bancorp, Paso Robles, CA 16.35 2 20.4 18 20
5 Thomasville Bancshares, Thomasville, GA 11.88 10 32.6 11 21
6 Sonoma Valley Bancorp, Sonoma, CA 16.22 3 15.7 20 23
7 Valley Financial Corp., Roanoke, VA 10.97 16 39.5 9 25
8 Greer State Bank, Greer, SC 14.34 6 15.4 21 27
9 Grange National Banc Corp., Tunkhannock, PA 14.50 5 14.0 24 29
10 RHBT Financial Corp., Rock Hill, SC 8.75 28 262.6 2 30
11 Summit Bancshares, Oakland, CA 13.59 7 12.6 25 32
12 First Financial Corp., Providence, RI 11.60 13 16.2 19 32
13 First National Bancshares, Bradenton, FL 10.06 22 39.4 10 32
14 West Coast Bancorp, Tustin, CA 15.30 4 4.0 31 35
15 Bank of South Carolina Corp., Charleston, SC 11.64 12 14.4 23 35
16 MetroBanCorp, Indianapolis 10.12 21 24.7 15 36
17 Cornerstone Bancorp, Stamford, CT 11.36 15 12.1 26 41
18 Bank of North Carolina, Thomasville, NC 8.51 30 30.3 13 43
19 Central Virginia Bankshares, Powhatan, VA 11.68 11 3.7 33 44
20 Fulton Bancshares Corp., McConnellsburg, PA 11.58 14 4.2 30 44
21 Simsbury Bank & Trust Company, Simsbury, CT 8.69 29 21.5 17 46
22 Golden Isles Fin. Holdings, St. Simons Island, GA 6.28 41 76.6 6 47
23 Citizens Financial Corp, Elkins, WV 9.31 26 14.5 22 48
24 Catawba Valley Bancshares, Hickory, NC 7.77 36 32.2 12 48
25 Patriot National Bancorp, Stamford, CT 5.74 42 42.8 8 50
26 BOE Financial Services of VA, Tappahannock, VA 9.93 23 8.8 28 51
27 Harbor Bank, Newport News, VA 5.00 44 61.2 7 51
28 St. Joseph Capital Corp., Mishawaka, IN 2.55 49 78.9 5 54
29 ChoiceOne Financial Services, Sparta, MI 10.86 17 -2.6 41 58
30 Cardinal Bankshares Corp., Floyd, VA 10.78 18 0.4 40 58
31 Pinnacle Bankshares Corp., Altavista, VA 10.42 20 0.8 39 59
32 Potomac Bancshares, Charles Town, WV 9.73 24 2.5 35 59
33 Classic Bancshares, Ashland, KY* 4.98 45 24.7 14 59
34 Harford National Bank, Aberdeen, MD 10.74 19 -4.2 42 61
35 Shore Financial Corp., Onley, VA 9.42 25 1.5 36 61
36 National Bancshares Corp., Orrville, OH 9.00 27 3.5 34 61
37 First Financial Bancorp, Lodi, CA 8.28 32 6.9 29 61
38 EvergreenBank, Seattle 7.99 34 10.0 27 61
39 Dearborn Bancorp, Dearborn, MI 3.49 47 22.8 16 63
40 Sussex Bancorp, Franklin, NJ 8.30 31 1.4 37 68
41 MNB Bancshares, Manhattan, KS 7.50 37 0.9 38 75
42 Northwest Bancorporation, Spokane, WA 8.03 33 -7.9 44 77
43 GLB Bancorp, Mentor, OH 3.63 46 3.8 32 78
44 Annapolis National Bancorp, Annapolis, MD 7.30 38 -7.3 43 81
45 First Community Bancshares, Bargersville, IN 7.27 39 -16.1 46 85
46 M&F Bancorp, Durham, NC 6.56 40 -8.8 45 85
47 First Charter Bank, Beverly Hills 7.82 35 -496.8 52 87
48 Emclaire Financial Corp., Emlenton, PA 5.46 43 -30.0 48 91
49 Madison Bancshares Group, Ltd., Blue Bell, PA 3.44 48 -27.7 47 95
50 North American Bank & Trust Co., Waterbury, CT -0.70 50 -184.2 50 100
51 First Southern Bancshares, Florence, AL -4.97 52 -160.8 49 101
52 First Coastal Bancshares, El Segundo, CA -1.26 51 -426.7 51 102

* 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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