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part 1 of 2
1995 1995
ROA ROE ROE
RANK 1995 Rank
ALABAMA
35 First State Bank of Dekalb Cty, Fort Payne 14.782 86
81 Gulf Bank, Orange Beach (M) 26.594 31
92 DeKalb Bank, Crossville (O) 25.288 41
ARIZONA
13 Bank of Casa Grande Valley, Casa Grande ( 30.504 12
ARKANSAS
63 Farmers & Merchants Bank, Des Arc (M) 11.499 95
COLORADO
2 BestBank, Boulder 45.964 1
14 First State Bank, Hotchkiss (O) 33.527 7
17 State Bank of Wiley 11.999 94
21 Colorado Bank & Trust Co., La Junta 33.794 6
28 First State Bank, Idaho Springs (O) 30.475 13
49 Mancos Valley Bank (O) 24.687 43
61 Commercial Bank of Leadville, Co. (M) 26.268 32
71 Glenwood Indep. Bank, Glenwood Sprgs (O) 27.452 23
72 Bank of Grand Junction (O) 23.23 52
74 Evergreen National Bank (O) 32.079 8
100 Citadel Bank, Colorado Springs (O) 25.412 39
FLORIDA
23 First Central Bank, St. Petersburg 17.874 74
34 Liberty National Bank, Longwood (O) 19.996 69
67 Citizens First Bank of Ocala (O) 22.928 55
GEORGIA
16 First South Bank of Middle Georgia, Macon 27.609 22
32 First South Bank of Coweta Cty, Newnan (M 24.306 45
36 Bank of Morgan County, Madison (M) 17.99 73
50 Bank of Millen (M) 21.597 60
84 Bank of Dooly, Vienna (O) 15.568 80
98 Greenville Bankg Co. 17.842 75
IOWA
51 Sloan State Bank (O) 21.259 62
73 Farmers Savings Bank, Leighton (O) 8.282 99
ILLINOIS
39 First National Bank of Sumner 23.236 51
77 Banterra Bank, Christopher (M) 20.864 66
KANSAS
44 Farmers & Merchants St. Bank, Cawker Cy ( 28.322 18
55 Citizens State Bank, Liberal (O) 27.714 20
87 Fort Riley National Bank (O) 15.301 83
93 Peoples State Bank, Cherryvale (M) 13.543 92
94 Farmers Bank & Trust Co., Atwood (O) 22.494 57
KENTUCKY
10 Georgetown Bank & Trust Co. (M) 36.04 4
57 Community First Bank of Kentucky, Warsaw ( 22.429 58
68 Community First Bank, Mt. Olivet (M) 25.935 34
96 Deposit Bank, Carlisle (M) 16.17 79
LOUISIANA
19 Peoples Bank & Tr Co. of Pte Coupee, New R 21.234 63
53 Jonesboro State Bank 13.601 91
62 Schwegmann Bank & Trust Co., Harvey 31.282 10
MINNESOTA
42 First Security Bank, Madison (M) 25.538 38
46 Union Bank & Trust Co., Minneapolis 23.645 49
70 Granger State Bank (M) 15.446 81
86 State Bank of Delano (O) 17.094 76
MISSISSIPPI
79 Perry County Bank, New Augusta 15.355 82
MISSOURI
27 Peoples Bank, Fordland (M) 13.846 89
37 Security Bank of Southwest Missouri, Cassv 26.894 26
54 Madison-Hunnewell Bank 19.504 70
75 Central Bank of Kansas City (O) 26.742 28
78 Peoples Bank-Wayne Cty, Greenville (O) 21.405 61
41 First Bank of Lincoln 23.396 50
58 First Security Bank, West Yellowstone (O) 26.689 29
91 Valley Bank of Belgrade (M) 26.666 30
NEBRASKA
43 Martell State Bank (O) 20.759 67
45 Home State Bank, Louisville (O) 22.662 56
NEVADA
56 Interwest National Bank of Nevada, Fallon 24.017 46
NEW YORK
66 Bank of Holland 10.455 97
NORTH CAROLINA
3 Avery County Bank, Newland 13.639 90
NORTH DAKOTA
15 Farmers State Bank, Elgin (O) 25.347 40
OHIO
1 American National Bank, Parma 31.419 9
69 Community First Bank NA, Ripley 25.952 33
OKLAHOMA
7 Farmers & Merchants Bank, Piedmont (M) 25.604 36
12 Bank of Locust Grove (M) 23.908 48
22 Lakeside Bank of Salina (M) 23.997 47
60 Bank of Commerce, Chouteau (O) 30.361 15
88 Anadarko Bank & Trust Co. (O) 16.677 78
OREGON
9 Bank of Salem 16.989 77
52 Valley Community Bank, McMinnville (O) 21.609 59
PENNSYLVANIA
29 Rittenhouse Trust Co., Radnor 12.57 93
SOUTH DAKOTA
18 Wilmot State Bank (M) 26.884 27
48 First National Bank, Eden (M) 19.149 71
TENNESSEE
8 Bank of Huntland (M) 27.754 19
82 Brighton Bank (M) 27.35 24
TEXAS
4 First State Bank, Dime Box 20.533 68
5 First State Bank, Keene (M) 35.012 5
6 Citizens National Bank, Houston (O) 40.644 2
20 First National Bank of Olney (M) 30.735 11
24 Riverside National Bank, Grand Prairie 24.661 44
25 First Bank Anna, LBA 36.183 3
26 Bosque County Bank, Meridian,Tex. (O) 25.019 42
30 American National Bank, Gonzales 29.345 17
31 Roscoe State Bank (O) 23.084 54
33 First State Bank, Grandview 29.483 16
38 First Texas Bank, Vidor (O) 30.436 14
47 Coupland State Bank (O) 18.664 72
65 Itasca State Bank (M) 25.555 37
76 Bank of San Jacinto Cty, Coldspring (O) 27.258 25
80 First National Bank of Bullard 27.612 21
83 Security Bank of Arlington (M) 23.2 53
85 First National Bank, Aspermont 9.287 98
89 Bank of Crowley (O) 21.225 64
90 Donley County State Bank, Clarendon (O) 20.951 65
97 First State Bank, Big Sandy, Tex (M) 15.05 85
99 First State Bank, Silverton (O) 14.106 88
UTAH
40 First National Bank, Morgan 14.583 87
95 Cache Valley Bank, Logan (O) 25.869 35
VIRGINIA
59 First State Bank, Danville 11.135 96
WISCONSIN
64 La Farge State Bank (M) 15.271 84
WYOMING
11 Uinta County State Bank, Mountain View 6.35 100
part 2 of 2
1995 Pre-tax Inc.
ROA Op. Inc. P.E.
RANK Per Empl Rank
ALABAMA
35 First State Bank of Dekalb Cty, Fort Payne 48 71
81 Gulf Bank, Orange Beach (M) 72 26
92 DeKalb Bank, Crossville (O) 36 88
ARIZONA
13 Bank of Casa Grande Valley, Casa Grande ( 49 66
ARKANSAS
63 Farmers & Merchants Bank, Des Arc (M) 60 49
COLORADO
2 BestBank, Boulder 75 25
14 First State Bank, Hotchkiss (O) 65 39
17 State Bank of Wiley 116 7
21 Colorado Bank & Trust Co., La Junta 34 92
28 First State Bank, Idaho Springs (O) 49 67
49 Mancos Valley Bank (O) 47 74
61 Commercial Bank of Leadville, Co. (M) 72 27
71 Glenwood Indep. Bank, Glenwood Sprgs (O) 63 45
72 Bank of Grand Junction (O) 34 93
74 Evergreen National Bank (O) 36 85
100 Citadel Bank, Colorado Springs (O) 37 83
FLORIDA
23 First Central Bank, St. Petersburg 168 3
34 Liberty National Bank, Longwood (O) 59 50
67 Citizens First Bank of Ocala (O) 36 89
GEORGIA
16 First South Bank of Middle Georgia, Macon 70 32
32 First South Bank of Coweta Cty, Newnan (M 54 59
36 Bank of Morgan County, Madison (M) 51 65
50 Bank of Millen (M) 82 19
84 Bank of Dooly, Vienna (O) 64 43
98 Greenville Bankg Co. 24 98
IOWA
51 Sloan State Bank (O) 67 37
73 Farmers Savings Bank, Leighton (O) 105 11
ILLINOIS
39 First National Bank of Sumner 96 15
77 Banterra Bank, Christopher (M) 121 5
KANSAS
44 Farmers & Merchants St. Bank, Cawker Cy ( 44 77
55 Citizens State Bank, Liberal (O) 49 68
87 Fort Riley National Bank (O) 27 97
93 Peoples State Bank, Cherryvale (M) 62 48
94 Farmers Bank & Trust Co., Atwood (O) 58 52
KENTUCKY
10 Georgetown Bank & Trust Co. (M) 22 99
57 Community First Bank of Kentucky, Warsaw ( 72 29
68 Community First Bank, Mt. Olivet (M) 56 55
96 Deposit Bank, Carlisle (M) 97 13
LOUISIANA
19 Peoples Bank & Tr Co. of Pte Coupee, New R 70 33
53 Jonesboro State Bank 104 12
62 Schwegmann Bank & Trust Co., Harvey 15 100
MINNESOTA
42 First Security Bank, Madison (M) 81 20
46 Union Bank & Trust Co., Minneapolis 44 78
70 Granger State Bank (M) 35 91
86 State Bank of Delano (O) 71 31
MISSISSIPPI
79 Perry County Bank, New Augusta 55 58
MISSOURI
27 Peoples Bank, Fordland (M) 45 76
37 Security Bank of Southwest Missouri, Cassv 67 35
54 Madison-Hunnewell Bank 33 95
75 Central Bank of Kansas City (O) 51 64
78 Peoples Bank-Wayne Cty, Greenville (O) 56 57
41 First Bank of Lincoln 69 34
58 First Security Bank, West Yellowstone (O) 49 69
91 Valley Bank of Belgrade (M) 48 70
NEBRASKA
43 Martell State Bank (O) 52 61
45 Home State Bank, Louisville (O) 106 10
NEVADA
56 Interwest National Bank of Nevada, Fallon 72 28
NEW YORK
66 Bank of Holland 66 38
NORTH CAROLINA
3 Avery County Bank, Newland 174 2
NORTH DAKOTA
15 Farmers State Bank, Elgin (O) 57 53
OHIO
1 American National Bank, Parma 51 63
69 Community First Bank NA, Ripley 58 51
OKLAHOMA
7 Farmers & Merchants Bank, Piedmont (M) 62 46
12 Bank of Locust Grove (M) 40 82
22 Lakeside Bank of Salina (M) 65 40
60 Bank of Commerce, Chouteau (O) 35 90
88 Anadarko Bank & Trust Co. (O) 64 42
OREGON
9 Bank of Salem 225 1
52 Valley Community Bank, McMinnville (O) 64 41
PENNSYLVANIA
29 Rittenhouse Trust Co., Radnor 129 4
SOUTH DAKOTA
18 Wilmot State Bank (M) 56 54
48 First National Bank, Eden (M) 62 47
TENNESSEE
8 Bank of Huntland (M) 71 30
82 Brighton Bank (M) 45 75
TEXAS
4 First State Bank, Dime Box 117 6
5 First State Bank, Keene (M) 96 14
6 Citizens National Bank, Houston (O) 63 44
20 First National Bank of Olney (M) 77 22
24 Riverside National Bank, Grand Prairie 33 94
25 First Bank Anna, LBA 47 73
26 Bosque County Bank, Meridian,Tex. (O) 67 36
30 American National Bank, Gonzales 42 79
31 Roscoe State Bank (O) 87 17
33 First State Bank, Grandview 36 87
38 First Texas Bank, Vidor (O) 36 86
47 Coupland State Bank (O) 76 24
65 Itasca State Bank (M) 53 60
76 Bank of San Jacinto Cty, Coldspring (O) 41 80
80 First National Bank of Bullard 31 96
83 Security Bank of Arlington (M) 56 56
85 First National Bank, Aspermont 88 16
89 Bank of Crowley (O) 41 81
90 Donley County State Bank, Clarendon (O) 108 9
97 First State Bank, Big Sandy, Tex (M) 52 62
99 First State Bank, Silverton (O) 77 23
UTAH
40 First National Bank, Morgan 81 21
95 Cache Valley Bank, Logan (O) 82 18
VIRGINIA
59 First State Bank, Danville 48 72
WISCONSIN
64 La Farge State Bank (M) 113 8
WYOMING
11 Uinta County State Bank, Mountain View 37 84
