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Assets of less 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

ALABAMA

23 DeKalb Bank, Crossville 3.11%

COLORADO

3 First State Bank, Idaho Springs 4.33

14 Peak National Bank, Nederland 3.3

25 Colonial Bank, Aurora 3.05

28 Mountain National Bank, Woodland Par 2.96

31 State Bank of Wiley 2.91

32 Colorado Springs National Bank 2.91

37 Alamosa National Bank 2.85

38 Commercial Bank of Leadville 2.85

48 Lakewood State Bank, Lakewood 2.74

FLORIDA

24 Liberty National Bank, Longwood 3.09

44 Citizens Bank of Frostproof 2.78

GEORGIA

26 Citizens Bank, Nashville 3

KANSAS

22 State Bank of Downs 3.12

34 Bank of Oberlin 2.9

KENTUCKY

8 Community First Bank NA, Maysville 3.7

LOUISIANA

1 Tri-State Bank & Trust, Haughton 6.41

MINNESOTA

7 Capital Bank, St. Paul 3.91

19 State Bank of Wheaton 3.22

43 Prior Lake State Bank, Prior Lake 2.79

46 Union Bank & Trust Co., Minneapolis 2.75

MISSOURI

6 First Sun Bank of America, Ellington 3.94

40 Citizens Bank of Missouri, Carl Junc 2.82

MONTANA

16 Citizens State Bank of Choteau 3.26

47 Bank of Baker 2.75

NORTH CAROLINA

4 Avery County Bank, Newland 4.15

NEBRASKA

15 Home State Bank, Louisville 3.29

49 Martell State Bank, Martell 2.73

NEW MEXICO

30 Peoples Bank, Taos 2.92

OHIO

2 American National Bank, Parma 5.1

OKLAHOMA

11 Lakeside Bank of Salina 3.42

20 Anadarko Bank & Trust Co., Anadarko 3.21

21 Frontier State Bank, Oklahoma City 3.15

29 Bank of Commerce, Chouteau 2.95

39 Bank of Locust Grove 2.83

SOUTH DAKOTA

27 Wilmot State Bank, Wilmot 3

42 Richland State Bank, Bruce 2.79

TEXAS

5 First Coleman National Bank 4.15

9 First National Bank of Olney 3.68

10 Brush Country Bank, Freer 3.46

12 Landmark Bank Mid-Cities, Euless 3.39

17 First State Bank, Dime Box 3.22

18 First State Bank of North Texas, Ced 3.22

33 Farmers National Bank of Seymour 2.91

35 First National Bank of Burleson 2.86

36 Oaks Bank & Trust Co., Dallas 2.86

41 First National Bank of Canton 2.81

45 State Bank Texas, Irving 2.76

50 First National Bank, Hughes Springs 2.73

WYOMING

13 American National Bank of Rock Sprin 3.36

Source: Sheshunoff Information Services, Austin, Texas

part 2 of 2

Return

ROA On Avg. Total Net Income

Rank Equity Assets (Loss)

1997 1997 1997 1997

ALABAMA

23 DeKalb Bank, Crossvi 38.30%$24,297 $719

COLORADO

3 First State Bank, Id 49.54 19,292 781

14 Peak National Bank, 46.82 91,901 2,929

25 Colonial Bank, Auror 39.47 56,713 1,568

28 Mountain National Ba 33.3 85,336 2,363

31 State Bank of Wiley 12.88 46,577 1,315

32 Colorado Springs Nat 21.4 43,445 1,259

37 Alamosa National Ban 30.36 57,870 1,596

38 Commercial Bank of L 40.87 35,002 923

48 Lakewood State Bank, 25.76 40,807 1,061

FLORIDA

24 Liberty National Ban 25.24 46,188 1,438

44 Citizens Bank of Fro 12.27 51,598 1,465

GEORGIA

26 Citizens Bank, Nashv 41.13 81,068 2,294

KANSAS

22 State Bank of Downs 17.84 39,343 1,184

34 Bank of Oberlin 33.44 96,895 2,690

KENTUCKY

8 Community First Bank 40.17 74,272 1,708

LOUISIANA

1 Tri-State Bank & Tru 17.79 53,323 3,568

MINNESOTA

7 Capital Bank, St. Pa 37.25 42,235 1,565

19 State Bank of Wheato 16.02 60,676 1,918

43 Prior Lake State Ban 26.73 85,510 2,263

46 Union Bank & Trust C 27.06 52,537 1,305

MISSOURI

6 First Sun Bank of Am 36.45 83,242 1,152

40 Citizens Bank of Mis 26.6 19,937 954

MONTANA

16 Citizens State Bank 28.16 29,852 944

47 Bank of Baker 25.52 33,175 885

NORTH CAROLINA

4 Avery County Bank, N 15.5 54,038 2,120

NEBRASKA

15 Home State Bank, Lou 33.38 40,426 1,256

49 Martell State Bank, 20.04 38,102 991

NEW MEXICO

30 Peoples Bank, Taos 38.66 51,596 1,510

OHIO

2 American National Ba 28.66 31,858 1,519

OKLAHOMA

11 Lakeside Bank of Sal 29.3 21,485 727

20 Anadarko Bank & Trus 22.58 38,747 1,239

21 Frontier State Bank, 25.5 28,628 891

29 Bank of Commerce, Ch 36.84 24,702 702

39 Bank of Locust Grove 23.52 23,157 645

SOUTH DAKOTA

27 Wilmot State Bank, W 25.89 20,039 563

42 Richland State Bank, 15.93 19,998 519

TEXAS

5 First Coleman Nation 39.31 50,880 2,158

9 First National Bank 36.84 34,258 1,249

10 Brush Country Bank, 27.57 28,234 922

12 Landmark Bank Mid-Ci 50.12 94,114 3,136

17 First State Bank, Di 17.47 24,454 763

18 First State Bank of 30.8 68,140 2,144

33 Farmers National Ban 27.59 31,620 892

35 First National Bank 25.77 71,899 1,964

36 Oaks Bank & Trust Co 30.78 70,635 1,808

41 First National Bank 25.42 45,664 1,267

45 State Bank Texas, Ir 21.21 43,918 1,133

50 First National Bank, 27.89 97,381 2,677

WYOMING

13 American National Ba 25.37 41,872 1,419

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

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