+++ 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

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 ===

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