+++ Based on the return on average assets for 1995. The banks are listed geographically in order of their ROA within states and have been ranked by their return on average equity capital and pre-tax income per employee (dollar amounts in thousands)

part 1 of 2

1995 1995

ROA ROE ROE

RANK 1995 Rank

ALABAMA

25 Bank of Dadeville (M) 27.52 28

79 Metro Bank, Pell City 29.435 19

86 First Bank of Boaz (O) 19.746 72

90 Peoples Bank of North Alabama, Cullman (O) 17.69 80

ARIZONA

38 Founders Bank of Arizona, Scottsdale (M) 28.531 23

COLORADO

12 Mountain Parks Bank West, Breckenridge (M) 34.979 6

21 First Bank of Eagle County, Eagle (O) 36.479 5

32 Valley National Bank of Cortez (O) 28.171 25

34 First United Bank, Parker (O) 22.458 60

45 Mountain Parks Bank East, Evergreen (M) 23.771 46

50 MegaBank of Arapahoe, Englewood (O) 25.698 41

58 First Natl Bank of the Rockies, Meeker (O) 23.156 53

88 Commerce Bank of Aurora, Colo. (O) 20.15 70

89 Pikes Peak National Bank, Colorado Springs 22.843 55

93 Aurora National Bank, Colo. (M) 25.952 40

CONNECTICUT

46 Westport Bank & Trust Co. (O) 34.25 7

DELAWARE

52 First National Bank, Wyoming 11,307 98

GEORGIA

30 Hinesville Bank, Hinesville (O) 22.716 56

66 Farmers & Merchants Bank, Dublin 14.448 91

91 First Bank & Trust Co, Carnesville (M) 18.654 76

94 Bank of Gwinnett County, Lawrenceville (O) 22.448 61

97 AmeriBank NA, Savannah (M) 20.621 69

ILLINOIS

22 First Bank & Trust Co. of Illinois, Palati 26.679 35

57 North Community Bank, Chicago (M) 31.233 15

85 Broadway Bank, Chicago 17.128 82

IOWA

37 West Des Moines State Bank (O) 23.611 48

KANSAS

56 Valley View State Bank, Overland Park (O) 21.429 65

KENTUCKY

36 Deposit Bank of Monroe Cty, Tompkinsville 29.544 18

72 First Southern National Bank, Lancaster (M 31.525 14

100 First Southern National Bank, Hustonville 29.819 17

LOUISIANA

3 Tri-State Bank & Trust, Haughton 15.783 89

5 First Bank & Trust, New Orleans (O) 31.732 11

41 West Carroll National Bank, Oak Grove (O) 23.72 47

64 Security First National Bank, Alexandria ( 26.834 34

73 Crescent Bank & Trust, New Orleans (O) 31.572 13

74 Bank of Coushatta, La. (O) 22.324 63

80 Planters Bank & Trust Co., Haynesville (M) 18.974 75

96 Mississippi River Bank, Belle Chasse, La 26.541 36

MICHIGAN

10 First National Bank of Mich., East Lansing 32.435 10

MINNESOTA

59 Stearns County National Bank, Albany (M) 28.385 24

70 Riverside Bank, Minneapolis (O) 28.627 22

75 Farmers & Merchants State Bank, Pierz (O) 20.865 66

MISSISSIPPI

60 Peoples Bank, Mendenhall 18.05 79

65 First Natl Bank of Holmes Cty, Lexington ( 16.579 85

81 First Bank, McComb (O) 22.983 54

MISSOURI

61 First State Bank, St Charles (O) 15.796 88

MONTANA

16 First Security Bank Missoula (O) 32.469 9

NEVADA

78 Sun State Bank, Las Vegas (O) 23.497 49

NEW MEXICO

87 Western Bank, Albuquerque (O) 25.422 43

19 Bank of Granite, Granite Falls (O) 17.068 83

OHIO

9 Miami Valley Bank, Quincy 26.229 37

14 First Bank of Marietta (O) 12.57 95

24 Farmers Savings Bank, Spencer 10.058 99

OKLAHOMA

55 First Bank & Trust Co., Broken Bow (O) 28.643 21

76 Fort Sill National Bank, (M) 19.903 71

92 Bank of Union, Union City 13.684 94

OREGON

13 Pioneer Trust Bank NA, Salem (O) 16.387 87

20 Pacific Continental Bank, Eugene 23.305 50

63 Clackamas County Bank, Sandy (O) 22.604 57

71 Siuslaw Valley Bank, Florence 23.225 51

82 Bank of Astoria 22.555 58

83 Bank of the Cascades, Bend (O) 22.351 62

PENNSYLVANIA

29 Royal Bank of Pennsylvania, King of Prussi 12.224 96

98 East Prospect State Bank, East Prospect 12.098 97

TENNESSEE

27 Wayne County Bank, Waynesboro (O) 18.306 77

33 Citizens Bank, Carthage 14.167 92

69 Marion Trust & Banking Co., Jasper (M) 27.879 26

TEXAS

2 Fort Hood National Bank (M) 63.575 1

7 Bent Tree National Bank, Dallas (O) 41.842 4

8 Benchmark Bank, Quinlan (O) 25.625 42

15 Citizens First Bank, Rusk 17.232 81

17 First Coleman National Bank (M) 27.103 31

26 First National Bank, Henrietta (M) 23.209 52

31 Security State Bank, Pearsall (M) 26.963 33

35 First Texas Bank, Dallas (O) 20.737 68

39 Northeast National Bank, Mesquite (O) 32.796 8

40 Groos Bank NA, San Antonio (M) 27.096 32

47 Inwood National Bank, Dallas (O) 30.494 16

49 Western National Bank, Odessa (O) 18.086 78

54 First State Bank & Trust Co., Mission 16.642 84

62 Oaks Bank & Trust Co., Dallas (O) 27.423 29

67 Orange Bank. (O) 29.317 20

77 Security Bank-Garland NA 22.476 59

84 Planters & Merchants State Bank, Hearne (O 14.129 93

UTAH

4 Guardian State Bank, Salt Lake City (O) 42.509 3

6 Brighton Bank, Salt Lake City (O) 27.778 27

23 Far West Bank, Provo (O) 26.112 38

28 Central Bank, Provo (O) 19.325 73

43 Barnes Banking Co., Kaysville (O) 15.651 90

48 Sun Capital Bank, St. George (O) 26.007 39

68 Bank of American Fork 19.276 74

VERMONT

51 Green Mountain Bank, Rutland (M) 23.916 45

VIRGINIA

99 Bank of Southside Virginia, Carson (O) 16.526 86

WASHINGTON

11 City Bank, Lynnwood 21.663 64

18 United Security Bank, Spokane (M) 31.573 12

44 Bank of the Pacific, Long Beach 24.208 44

WEST VIRGINIA

1 First National Bank, Keystone 62.547 2

53 McDowell County National Bank, Welch 9.255 100

WISCONSIN

42 Bank of Alma (M) 20.771 67

WYOMING

52 First National Bank, Wyoming, Del. 11.307 98

95 Jackson State Bank, Wy. (M) 27.314 30

part 2 of 2

1995 Pre-tax Inc.

ROA Op. Inc. P.E.

RANK Per Empl Rank

ALABAMA

25 Bank of Dadeville (M) 60 68

79 Metro Bank, Pell City 66 54

86 First Bank of Boaz (O) 62 66

90 Peoples Bank of North Alabama, 40 94

ARIZONA

38 Founders Bank of Arizona, Scott 23 100

COLORADO

12 Mountain Parks Bank West, Breck 86 30

21 First Bank of Eagle County, Eag 78 36

32 Valley National Bank of Cortez 57 71

34 First United Bank, Parker (O) 43 91

45 Mountain Parks Bank East, Everg 56 74

50 MegaBank of Arapahoe, Englewood 58 70

58 First Natl Bank of the Rockies, 63 63

88 Commerce Bank of Aurora, Colo. 46 88

89 Pikes Peak National Bank, Color 40 93

93 Aurora National Bank, Colo. (M 63 62

CONNECTICUT

46 Westport Bank & Trust Co. (O) 50 81

DELAWARE

52 First National Bank, Wyoming 85 32

GEORGIA

30 Hinesville Bank, Hinesville (O) 51 80

66 Farmers & Merchants Bank, Dubli 104 16

91 First Bank & Trust Co, Carnesvi 105 15

94 Bank of Gwinnett County, Lawren 98 19

97 AmeriBank NA, Savannah (M) 45 89

ILLINOIS

22 First Bank & Trust Co. of Illin 221 2

57 North Community Bank, Chicago ( 37 98

85 Broadway Bank, Chicago 92 25

IOWA

37 West Des Moines State Bank (O) 145 8

KANSAS

56 Valley View State Bank, Overlan 88 29

KENTUCKY

36 Deposit Bank of Monroe Cty, Tom 76 40

72 First Southern National Bank, L 78 37

100 First Southern National Bank, H 70 47

LOUISIANA

3 Tri-State Bank & Trust, Haughto 202 3

5 First Bank & Trust, New Orleans 79 34

41 West Carroll National Bank, Oak 61 67

64 Security First National Bank, A 43 90

73 Crescent Bank & Trust, New Orle 48 84

74 Bank of Coushatta, La. (O) 56 75

80 Planters Bank & Trust Co., Hayn 66 57

96 Mississippi River Bank, Belle C 38 96

MICHIGAN

10 First National Bank of Mich., E 158 6

MINNESOTA

59 Stearns County National Bank, A 86 31

70 Riverside Bank, Minneapolis (O) 62 65

75 Farmers & Merchants State Bank, 71 46

MISSISSIPPI

60 Peoples Bank, Mendenhall 78 38

65 First Natl Bank of Holmes Cty, 70 48

81 First Bank, McComb (O) 52 78

MISSOURI

61 First State Bank, St Charles (O 77 39

MONTANA

16 First Security Bank Missoula (O 67 51

NEVADA

78 Sun State Bank, Las Vegas (O) 79 35

NEW MEXICO

87 Western Bank, Albuquerque (O) 66 55

19 Bank of Granite, Granite Falls 100 18

OHIO

9 Miami Valley Bank, Quincy 59 69

14 First Bank of Marietta (O) 145 9

24 Farmers Savings Bank, Spencer 168 5

OKLAHOMA

55 First Bank & Trust Co., Broken 55 76

76 Fort Sill National Bank, (M) 27 99

92 Bank of Union, Union City 69 50

OREGON

13 Pioneer Trust Bank NA, Salem (O 101 17

20 Pacific Continental Bank, Eugen 66 56

63 Clackamas County Bank, Sandy (O 41 92

71 Siuslaw Valley Bank, Florence 47 87

82 Bank of Astoria 50 83

83 Bank of the Cascades, Bend (O) 48 86

PENNSYLVANIA

29 Royal Bank of Pennsylvania, Kin 97 21

98 East Prospect State Bank, East 118 13

TENNESSEE

27 Wayne County Bank, Waynesboro ( 67 52

33 Citizens Bank, Carthage 137 10

69 Marion Trust & Banking Co., Jas 48 85

TEXAS

2 Fort Hood National Bank (M) 38 95

7 Bent Tree National Bank, Dallas 74 41

8 Benchmark Bank, Quinlan (O) 57 72

15 Citizens First Bank, Rusk 186 4

17 First Coleman National Bank (M) 88 28

26 First National Bank, Henrietta 112 14

31 Security State Bank, Pearsall ( 128 12

35 First Texas Bank, Dallas (O) 92 24

39 Northeast National Bank, Mesqui 64 59

40 Groos Bank NA, San Antonio (M) 50 82

47 Inwood National Bank, Dallas (O 90 26

49 Western National Bank, Odessa ( 69 49

54 First State Bank & Trust Co., M 131 11

62 Oaks Bank & Trust Co., Dallas ( 64 61

67 Orange Bank. (O) 56 73

77 Security Bank-Garland NA 65 58

84 Planters & Merchants State Bank 95 22

UTAH

4 Guardian State Bank, Salt Lake 66 53

6 Brighton Bank, Salt Lake City ( 93 23

23 Far West Bank, Provo (O) 38 97

28 Central Bank, Provo (O) 54 77

43 Barnes Banking Co., Kaysville ( 73 43

48 Sun Capital Bank, St. George (O 51 79

68 Bank of American Fork 63 64

VERMONT

51 Green Mountain Bank, Rutland (M 74 42

VIRGINIA

99 Bank of Southside Virginia, Car 72 44

WASHINGTON

11 City Bank, Lynnwood 97 20

18 United Security Bank, Spokane ( 64 60

44 Bank of the Pacific, Long Beach 71 45

WEST VIRGINIA

1 First National Bank, Keystone 760 1

53 McDowell County National Bank, 85 33

WISCONSIN

42 Bank of Alma (M) 152 7

WYOMING

52 First National Bank, Wyoming, D 85 32

95 Jackson State Bank, Wy. (M) 88 27 ===

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