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: $100 Mil. to $130.4 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 Alliance Bank, Culver City, CA 22.56 1 50.0 4 5
2 North State National Bank, Chico, CA 16.78 3 19.7 7 10
3 Temecula Valley Bank, Temecula, CA 11.61 8 79.7 2 10
4 Santa Lucia Bank, Atascadero, CA 14.02 4 17.1 8 12
5 Pacific State Bank, Stockton, CA 11.61 7 49.9 5 12
6 Bank of Astoria, Astoria, OR 19.73 2 4.9 13 15
7 Yosemite Bank, Mariposa, CA 11.05 9 30.0 6 15
8 Capital Directions, Mason, MI 12.96 5 9.8 11 16
9 First Commerce Bank, Charlotte, NC 7.45 13 66.4 3 16
10 Central Sierra Bank, San Andreas, CA 12.17 6 8.3 12 18
11 Carolina Bank Holdings, Greensboro, NC 5.49 18 138.4 1 19
12 Brunswick Bancorp, New Brunswick, NJ 6.83 16 10.0 10 26
13 FC Banc Corp., Bucyrus, OH 8.60 11 1.2 16 27
14 Patapsco Bancorp, Dundalk, MD** 7.79 12 1.6 15 27
15 FNB Financial Corp., McConnellsburg, PA 7.35 14 4.1 14 28
16 Chester Bancorp, Chester, IL 5.45 19 12.5 9 28
17 First Gaston Bank of North Carolina, Gastonia, NC 8.77 10 -60.3 21 31
18 Exchange Bancshares, Luckey, OH 7.17 15 -6.2 19 34
19 Rowan Bancorp, China Grove, NC 5.56 17 -15.3 20 37
20 Vineyard Nat. Bancorp, Rancho Cucamonga, CA 3.97 20 0.1 17 37
21 Georgia-Carolina Bancshares, Augusta, GA 0.85 21 -1.1 18 39

* 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: SNL Securities

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