COMMERCIAL BANKS — 5-YEAR PROFITABILITY RANKING

 
 U.S. BANKER RANKINGS       
The First One Hundred Largest Community Banks — Fiscal Years 1996-2000
Profitability Ranking Based on ROAE and Growth in Per-Share EarningsAssets: $2.023 Bil to $1.091 Bil.
As of Dec. 31, 2000, except where otherwise noted

5-Yr   5-Yr 5-Yr 5-Yr EPS 5-Yr EPS TOTAL
Rank Company ROAE ROAE Growth Growth SCORE
  (%) RANK (%) RANK  
1 GBC Bancorp, Los Angeles 20.17 1 47.40 5 6
2 Great Southern Bancorp, Springfield, MO 19.43 3 18.58 12 15
3 Mississippi Valley Bancshares, St. Louis 18.45 5 16.84 17 22
4 Midwest Banc Holdings, Melrose Park, IL 17.58 7 17.74 16 23
5 Frontier Financial Corp., Everett, WA 19.14 4 14.90 20 24
6 CCBT Financial Cos., South Yarmouth, MA 17.71 6 16.80 18 24
7 Sterling Bancshares, Houston 17.29 8 16.38 19 27
8 Southside Bancshares, Tyler, TX 16.04 13 18.36 14 27
9 First Oak Brook Bancshares, Oak Brook, IL 14.82 16 18.38 13 29
10 Mid-State Bancshares, Arroyo Grande, CA 13.88 25 49.75 4 29
11 Oriental Financial Group, Rio Piedras, PR** 20.13 2 10.97 33 35
12 U.S.B. Holding Co., Orangeburg, NY 15.51 14 14.10 22 36
13 Sterling Bancorp, New York 13.72 28 21.60 8 36
14 Republic Bancorp, Louisville, KY 12.57 35 64.43 3 38
15 Harleysville National Corp., Harleysville, PA 16.14 10 11.36 31 41
16 Sandy Spring Bancorp, Olney, MD 14.76 18 13.65 24 42
17 Southwest Bancorp, Stillwater, OK 12.55 36 23.34 7 43
18 Lakeland Financial Corp., Warsaw, IN 16.07 12 10.41 36 48
19 Tompkins Trustco, Ithaca, NY 16.72 9 8.64 42 51
20 Community Bank System, DeWitt, NY 14.70 19 11.07 32 51
21 Yardville National Bancorp, Hamilton, NJ 14.10 24 12.75 27 51
22 Independent Bank Corp., Rockland, MA 16.10 11 8.89 41 52
23 Univest Corp. of Pennsylvania, Souderton, PA 14.25 22 11.49 30 52
24 Community Banks, Millersburg, PA 13.63 30 13.90 23 53
25 Peoples Bancorp, Marietta, OH 13.83 27 12.45 28 55
26 VIB Corp, El Centro, CA 11.31 45 20.69 10 55
27 Allegiant Bancorp, St. Louis 11.21 46 21.46 9 55
28 Independent Bank, Ionia, MI 10.34 53 153.40 2 55
29 BancFirst Ohio Corp., Zanesville, OH 12.90 31 13.16 25 56
30 First Financial Bankshares, Abilene, TX 14.77 17 9.08 40 57
31 First Busey Corp., Urbana, IL 14.42 21 10.36 37 58
32 Capitol Bancorp Ltd., Lansing, MI 11.98 38 14.56 21 59
33 Indiana United Bancorp, Greensburg, IN 12.62 34 12.88 26 60
34 CB Bancshares, Honolulu 5.62 60 735.26 1 61
35 IBERIABANK Corp., New Iberia, LA 7.24 59 25.67 6 65
36 First Community Bancshares, Bluefield, VA 15.45 15 6.80 51 66
37 Commercial Bank of New York 9.54 55 20.50 11 66
38 Sun Bancorp, Vineland, NJ 11.82 39 12.13 29 68
39 Washington Trust Bancorp, Westerly, RI 14.59 20 7.03 50 70
40 MBT Financial Corp., Monroe, MI 14.21 23 7.60 47 70
41 Capital City Bank Group, Tallahassee, FL 12.72 32 10.15 38 70
42 Second Bancorp, Warren, OH 8.85 56 17.80 15 71
43 First Merchants Corp., Muncie, IN 12.68 33 7.69 46 79
44 National City Bancorp., Minneapolis 11.52 44 10.60 35 79
45 Old Second Bancorp, Aurora, IL 11.55 43 10.00 39 82
46 Sterling Financial Corp., Lancaster, PA 13.87 26 3.98 58 84
47 West Coast Bancorp, Lake Oswego, OR 13.72 29 4.88 55 84
48 Farmers Capital Bank Corp., Frankfort, KY 11.80 40 8.18 45 85
49 CPB Inc., Honolulu 10.94 51 10.72 34 85
50 Century South Banks, Alpharetta, GA 11.77 41 7.22 49 90
51 Simmons First National Corp., Pine Bluff, AR 11.01 50 8.20 44 94
52 USBANCORP, Johnstown, PA 12.02 37 -7.80 59 96
53 Omega Financial Corp., State College, PA 11.72 42 5.05 54 96
54 Chemical Financial Corp., Midland, MI 11.17 48 7.43 48 96
55 Mid-America Bancorp, Louisville, KY 10.27 54 8.54 43 97
56 Heartland Financial USA, Dubuque, IA 11.03 49 5.06 53 102
57 Peoples Holding Co., Tupelo, MS 11.18 47 4.34 57 104
58 F&M Bancorp, Frederick, MD 10.62 52 5.78 52 104
59 First National Bank, Anchorage 8.60 57 4.87 56 113
60 Main Street Bancorp, Reading, PA 8.59 58 -21.12 60 118

* 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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