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Assets of more than $100 million, ranked by return on average assets for 1997 ($ in thousands), within states.

part 1 of 2

Return

ROA On Avg.

Rank Assets

1997 1997

CALIFORNIA

5 Citizens Thrift & Loan, Irvine 3.56%

9 First Credit Bank, Los Angeles 3.14

COLORADO

50 Colorado State Bank & Trust Co., Denv 2.47

FLORIDA

36 City National Bank of Florida, Miami 2.57

37 Skylake State Bank, North Miami Beach 2.57

38 United National Bank, Miami 2.56

ILLINOIS

4 First Bank & Trust Co. of Illinois, P 3.66

11 First National Bank of La Grange 3.1

21 Germantown Trust & Savings Bank 2.83

IOWA

46 Iowa State Bank, Des Moines 2.49

KANSAS

16 American Bank, Wichita 2.96

LOUISIANA

26 Peoples Bank & Trust Co., Minden 2.77

MICHIGAN

18 First National Bank of Michigan, East 2.94

MINNESOTA

6 First Security Bank, Sleepy Eye 3.38

40 Vermillion State Bank 2.55

MISSISSIPPI

27 Peoples Bank, Mendenhall 2.76

MISSOURI

20 Bank Midwest NA, Kansas City 2.83

MONTANA

7 American Bank of Montana, Bozeman 3.29

35 Yellowstone Bank, Laurel 2.58

NORTH CAROLINA

29 Bank of Granite, Granite Falls 2.73

OHIO

17 AmeriFirst Bank NA, Xenia 2.95

42 Metropolitan National Bank, Youngstow 2.54

48 Park National Bank, Newark 2.48

OKLAHOMA

10 Fort Sill National Bank, Fort Sill 3.13

15 Citizens Bank of Tulsa 2.97

OREGON

19 Pioneer Trust Bank NA, Salem 2.86

PENNSYLVANIA

32 First Lehigh Bank, Walnutport 2.64

39 Jersey Shore State Bank, Jersey Shore 2.55

41 Prime Bank, Philadelphia 2.55

45 Royal Bank of Pennsylvania, King of P 2.5

TEXAS

12 Inwood National Bank of Dallas 3.07

13 Madisonville State Bank 3.04

14 First National Bank of Fabens 3

23 First Bank of Texas, Tomball 2.8

24 Citizens National Bank at Brownwood 2.79

25 Hill Country Bank, Austin 2.78

31 First Bank of Conroe NA 2.66

34 Western National Bank, Odessa 2.59

43 State Bank of De Kalb 2.53

47 First State Bank of Stratford 2.49

49 First National Bank Albany/Breckenrid 2.48

UTAH

1 Guardian State Bank, Salt Lake City 5.11

2 Brighton Bank, Salt Lake City 4.71

28 Barnes Banking Co., Kaysville 2.75

33 Central Bank, Provo 2.64

44 Far West Bank, Provo 2.51

WASHINGTON

8 City Bank, Lynnwood 3.14

WISCONSIN

30 Bank of Alma 2.69

WEST VIRGINIA

3 First National Bank of Keystone 3.9

22 City National Bank of Charleston 2.82

Source: Sheshunoff Information Services, Austin, Texas

part 2 of 3

Return

ROA On Avg. Total Net Income

Rank Euity Assets (Loss)

1997 1997 1997 1997

CALIFORNIA

5 Citizens Thrift & 31.89% $155,793 $4,676

9 First Credit Bank 32.2 262,392 8,332

COLORADO

50 Colorado State Ba 21.53 177,275 4,138

FLORIDA

36 City National Ban 31.05 1,214,977 29,803

37 Skylake State Ban 12.26 102,070 2,482

38 United National B 20.27 891,061 21,202

ILLINOIS

4 First Bank & Trus 43.61 439,016 13,298

11 First National Ba 31.99 137,969 4,146

21 Germantown Trust 18.29 122,826 3,326

IOWA

46 Iowa State Bank, 23.35 136,405 3,353

KANSAS

16 American Bank, Wi 32.53 189,215 4,920

LOUISIANA

26 Peoples Bank & Tr 28.34 227,995 3,811

MICHIGAN

18 First National Ba 34.13 216,705 5,424

MINNESOTA

6 First Security Ba 39.15 111,011 3,640

40 Vermillion State 22.69 157,471 3,717

MISSISSIPPI

27 Peoples Bank, Men 20.66 115,804 2,788

MISSOURI

20 Bank Midwest NA, 29.7 1,260,023 35,290

MONTANA

7 American Bank of 46.48 160,559 5,756

35 Yellowstone Bank, 15.37 179,964 4,395

NORTH CAROLINA

29 Bank of Granite, 15.89 519,072 13,729

OHIO

17 AmeriFirst Bank N 37.13 195,907 6,460

42 Metropolitan Nati 31.03 241,896 7,508

48 Park National Ban 33.63 1,028,603 23,906

OKLAHOMA

10 Fort Sill Nationa 22.51 133,492 3,782

15 Citizens Bank of 39.78 205,940 5,508

OREGON

19 Pioneer Trust Ban 17.79 153,993 4,238

PENNSYLVANIA

32 First Lehigh Bank 23 107,068 2,918

39 Jersey Shore Stat 22.46 272,413 6,638

41 Prime Bank, Phila 35.25 921,863 9,397

45 Royal Bank of Pen 14.63 399,415 8,556

TEXAS

12 Inwood National B 36.31 311,603 8,936

13 Madisonville Stat 30.1 114,624 3,333

14 First National Ba 35.36 139,406 4,110

23 First Bank of Tex 31.25 115,067 4,026

24 Citizens National 26.81 108,782 3,040

25 Hill Country Bank 27.62 109,671 2,902

31 First Bank of Con 33.52 109,239 2,555

34 Western National 18.03 207,803 4,959

43 State Bank of De 18.04 110,207 2,751

47 First State Bank 24.56 123,650 2,921

49 First National Ba 20.59 163,740 4,119

UTAH

1 Guardian State Ba 54.66 107,522 4,955

2 Brighton Bank, Sa 36.28 132,473 5,479

28 Barnes Banking Co 18.56 260,614 6,554

33 Central Bank, Pro 17.96 232,096 5,763

44 Far West Bank, Pr 20.57 159,967 3,383

WASHINGTON

8 City Bank, Lynnwo 19.82 428,834 12,343

WISCONSIN

30 Bank of Alma 20.51 100,659 2,588

WEST VIRGINIA

3 First National Ba 21.81 835,910 25,111

22 City National Ban 33.03 1,253,215 17,752

Source: Sheshunoff Information Services, Austin, Texas ===

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