+++ Based on return on average assets for 1997 ($ in thousands)

part 1 of 3

ROA

Rank

1997 Name of Bank

1 Guardian State Bank, Salt Lake City

2 Brighton Bank, Salt Lake City

3 First National Bank of Keystone, W. Va.

4 First Bank & Trust Co. of Illinois, Palatine

5 Citizens Thrift & Loan, Irvine, Calif.

6 First Security Bank, Sleepy Eye, Minn.

7 American Bank of Montana, Bozeman

8 City Bank, Lynnwood, Wa.

9 First Credit Bank, Los Angeles

10 Fort Sill National Bank, Fort Sill, Okla.

11 First National Bank of La Grange, Ill.

12 Inwood National Bank of Dallas

13 Madisonville State Bank, Tex.

14 First National Bank of Fabens, Tex.

15 Citizens Bank of Tulsa, Okla.

16 American Bank, Wichita, Kan.

17 AmeriFirst Bank NA, Xenia, Ohio

18 First National Bank of Michigan, East Lansing

19 Pioneer Trust Bank NA, Salem, Ore.

20 Bank Midwest NA, Kansas City, Mo.

21 Germantown Trust & Savings Bank, Ill.

22 City National Bank of Charleston, W. Va.

23 First Bank of Texas, Tomball

24 Citizens National Bank at Brownwood, Tex.

25 Hill Country Bank, Austin, Tex.

26 Peoples Bank & Trust Co., Minden, La.

27 Peoples Bank, Mendenhall, Miss.

28 Barnes Banking Co., Kaysville, Utah

29 Bank of Granite, Granite Falls, N.C.

30 Bank of Alma, Wis.

31 First Bank of Conroe NA, Tex.

32 First Lehigh Bank, Walnutport, Pa.

33 Central Bank, Provo, Utah

34 Western National Bank, Odessa, Tex.

35 Yellowstone Bank, Laurel, Mont.

36 City National Bank of Florida, Miami

37 Skylake State Bank, North Miami Beach, Fla.

38 United National Bank, Miami

39 Jersey Shore State Bank, Jersey Shore, Pa.

40 Vermillion State Bank, Minn.

41 Prime Bank, Philadelphia

42 Metropolitan National Bank, Youngstown, Ohio

43 State Bank of De Kalb, Tex.

44 Far West Bank, Provo, Utah

45 Royal Bank of Pennsylvania, King of Prussia

46 Iowa State Bank, Des Moines

47 First State Bank of Stratford, Tex.

48 Park National Bank, Newark, Ohio

49 First National Bank Albany/Breckenridge, Tex.

50 Colorado State Bank & Trust Co., Denver

Mean Values for Top 50 Large Community Banks

Median Values for Top 50 Large Community Banks

Standard Deviation for Top 50 Large Community Banks

Comparative: Mean Values for all US Banks

Comparative: Mean Values for all US Thrifts

Comparative: Mean Values for Top 75 US Credit Unions

Comparative: Mean Values for all US Credit Unions

part 2 of 3

Return Return

ROA On Avg. On Avg.

Rank Assets Equity

1997 Name of Ban 1997 1996 1997 1996

1 Guardian St 5.11% 3.37% 54.66% 35.83%

2 Brighton Ba 4.71 3.37 36.28 24.81

3 First Natio 3.9 8.09 21.81 66.11

4 First Bank 3.66 2.68 43.61 32.3

5 Citizens Th 3.56 2.48 31.89 26.9

6 First Secur 3.38 2.26 39.15 26.19

7 American Ba 3.29 1.11 46.48 16.16

8 City Bank, 3.14 2.66 19.82 19.2

9 First Credi 3.14 2.06 32.2 21.77

10 Fort Sill N 3.13 3.06 22.51 24.16

11 First Natio 3.1 2.02 31.99 20.46

12 Inwood Nati 3.07 2.3 36.31 27.27

13 Madisonvill 3.04 3.09 30.1 30.61

14 First Natio 3 2.29 35.36 27.73

15 Citizens Ba 2.97 1.57 39.78 23.44

16 American Ba 2.96 1.73 32.53 18.13

17 AmeriFirst 2.95 0.18 37.13 2.29

18 First Natio 2.94 3.17 34.13 35.63

19 Pioneer Tru 2.86 2.94 17.79 17.89

20 Bank Midwes 2.83 2.06 29.7 26.02

21 Germantown 2.83 1.98 18.29 13.15

22 City Nation 2.82 1.39 33.03 18.98

23 First Bank 2.8 1.49 31.25 21.05

24 Citizens Na 2.79 2 26.81 20.63

25 Hill Countr 2.78 2.13 27.62 23.11

26 Peoples Ban 2.77 1.57 28.34 19.89

27 Peoples Ban 2.76 1.55 20.66 11.29

28 Barnes Bank 2.75 2.57 18.56 17.04

29 Bank of Gra 2.73 2.67 15.89 16.56

30 Bank of Alm 2.69 2.57 20.51 20.66

31 First Bank 2.66 1.69 33.52 21.56

32 First Lehig 2.64 2.47 23 25.53

33 Central Ban 2.64 2.4 17.96 17.67

34 Western Nat 2.59 2.53 18.03 17.06

35 Yellowstone 2.58 3.08 15.37 19.98

36 City Nation 2.57 1.46 31.05 17.01

37 Skylake Sta 2.57 1.15 12.26 5.44

38 United Nati 2.56 2.1 20.27 17.83

39 Jersey Shor 2.55 1.97 22.46 18.45

40 Vermillion 2.55 1.79 22.69 16.92

41 Prime Bank, 2.55 0.34 35.25 5.91

42 Metropolita 2.54 0.75 31.03 9.85

43 State Bank 2.53 1.8 18.04 13.69

44 Far West Ba 2.51 2.41 20.57 21.04

45 Royal Bank 2.5 2.83 14.63 16.75

46 Iowa State 2.49 1.46 23.35 14.61

47 First State 2.49 1.32 24.56 13.53

48 Park Nation 2.48 2.18 33.63 27.45

49 First Natio 2.48 1.84 20.59 15.4

50 Colorado St 2.47 2.67 21.53 21.41

Mean Values 2.91% 2.21% 27.48% 20.85%

Median Value 2.78 2.12 27.22 19.94

Standard Dev 0.53 1.11 9.03 9.5

Comparative: 1.31% 1.26% 15.72% 15.30%

Comparative: 0.91 0.72 10.72 8.55

Comparative: 1.09 1.13 N/M N/M

Comparative: 0.99 1.14 N/M N/M

part 3 of 3

Nonperf

ROA Assets/TL & Total

Rank Repo RE Assets

1997 Name 1997 1996 1997 1996

1 Guardi 0.01% 0.02% $107,522 $88,419

2 Bright 0 0.02 132,473 107,055

3 First 0.4 0.73 835,910 527,609

4 First 1.7 0.94 439,016 300,046

5 Citize 0.37 1.64 155,793 124,734

6 First 0.45 0.86 111,011 104,658

7 Americ 0.91 1.34 160,559 179,540

8 City B 2.43 2.1 428,834 388,541

9 First 5.36 3.97 262,392 249,642

10 Fort S 1.47 1.14 133,492 121,820

11 First 1.17 1.08 137,969 130,550

12 Inwood 0.75 1.74 311,603 289,759

13 Madiso 0.12 0.87 114,624 107,623

14 First 1.53 1.94 139,406 134,878

15 Citize 0.05 0 205,940 161,951

16 Americ 0.05 0 189,215 148,993

17 AmeriF 0.9 1.59 195,907 261,763

18 First 2.3 3.56 216,705 157,852

19 Pionee 0 0 153,993 147,488

20 Bank M 1.02 1.75 1,260,023 1,258,035

21 German 0 0.01 122,826 111,227

22 City N 1.35 0.45 1,253,215 433,834

23 First 0.6 0.11 115,067 179,586

24 Citize 0.15 1.06 108,782 109,277

25 Hill C 0.66 0 109,671 99,032

26 People 0.56 0.71 227,995 115,339

27 People 1.96 1.19 115,804 93,072

28 Barnes 0.43 0.67 260,614 223,107

29 Bank o 0.77 0.33 519,072 485,896

30 Bank o 0.88 1.22 100,659 90,933

31 First 0.24 0.34 109,239 87,853

32 First 8.14 10.71 107,068 109,919

33 Centra 1.39 0.3 232,096 210,762

34 Wester 0.63 2.04 207,803 178,020

35 Yellow 0.23 0.12 179,964 162,923

36 City N 1.16 1.67 1,214,977 1,059,771

37 Skylak 1.12 3.04 102,070 96,307

38 United 1.11 0.75 891,061 805,616

39 Jersey 0.52 0.76 272,413 257,666

40 Vermil 0.32 0.06 157,471 143,413

41 Prime 0.63 1.16 921,863 235,924

42 Metrop 0.73 1.15 241,896 315,920

43 State 1.2 0.53 110,207 108,905

44 Far We 0.43 0.36 159,967 123,372

45 Royal 1.48 2.46 399,415 338,065

46 Iowa S 0.15 0.05 136,405 131,397

47 First 0.39 0.45 123,650 115,281

48 Park N 0.13 0.2 1,028,603 913,992

49 First 0.33 0.3 163,740 165,038

50 Colora 1.68 0.52 177,275 162,609

Mean Va 1.03% 1.20% $311,266 $253,100

Median 0.7 0.81 170,508 159,902

Standar 1.35 1.66 324,404 252,602

Compara 1.11% 1.22% 553,113 489,572

Compara 1.41 1.68 499,038 460,595

Compara 0.79 0.83 1,134,129 1,040,736

Compara 2.69 2.75 31,267 28,668

part 4 of 4

Tot O/H Salaries &

ROA Exp./AvgEfficienBenefits

Rank Net IncoAssets % Ratio /Avg Empl.

1997 Name 1997 1996 1997 1997 1997

1 Guard$4,955 $2,655 4.88% 65.45 $38,238

2 Brigh 5,479 3,477 3.62 63.37 37,389

3 First 25,111 40,600 2.55 53.61 35,421

4 First 13,298 6,551 2.39 51.01 41,424

5 Citiz 4,676 3,068 2.49 58.05 36,051

6 First 3,640 2,321 3.55 59.39 44,919

7 Ameri 5,756 1,851 1.25 37.52 24,967

8 City 12,343 9,863 3.43 61.87 32,863

9 First 8,332 4,603 2.48 54.12 36,246

10 Fort 3,782 3,327 2.57 53.94 30,886

11 First 4,146 2,646 2.52 49.14 37,152

12 Inwoo 8,936 5,262 2.47 53.05 37,147

13 Madis 3,333 3,251 2.1 44.21 58,750

14 First 4,110 2,892 3.22 56.89 40,951

15 Citiz 5,508 2,151 3.08 50.95 38,328

16 Ameri 4,920 2,353 2.22 33.64 34,224

17 Ameri 6,460 489 3.13 55.08 33,240

18 First 5,424 4,752 3.13 56.69 32,057

19 Pione 4,238 4,059 2.42 65.05 46,730

20 Bank 35,290 24,268 2.49 52.62 22,577

21 Germa 3,326 2,140 2.66 53.48 37,249

22 City 17,752 6,067 2.95 49.91 30,909

23 First 4,026 3,010 1.58 37.85 37,742

24 Citiz 3,040 2,119 5.58 64.11 23,878

25 Hill 2,902 2,019 1.27 41.1 21,075

26 Peopl 3,811 1,767 2.94 54.68 31,321

27 Peopl 2,788 1,458 2.95 59.47 37,157

28 Barne 6,554 5,170 3.73 54.39 39,502

29 Bank 13,729 12,646 2.84 47.27 40,000

30 Bank 2,588 2,124 3.07 53.61 36,909

31 First 2,555 1,376 5.22 69.52 35,452

32 First 2,918 2,657 3.9 62.36 44,731

33 Centr 5,763 4,899 3.51 53.62 35,718

34 Weste 4,959 4,238 0.72 11.62 N/A

35 Yello 4,395 2,657 10.09 68.91 25,856

36 City 29,803 14,732 1.75 35.46 42,254

37 Skyla 2,482 1,109 2.69 62.34 41,313

38 Unite 21,202 15,824 3.35 63.56 28,345

39 Jerse 6,638 4,899 4.32 76.07 31,602

40 Vermi 3,717 2,392 4.42 70.06 31,458

41 Prime 9,397 752 2.13 59.4 31,814

42 Metro 7,508 2,467 2.78 53.1 28,550

43 State 2,751 1,906 3.6 67.06 30,932

44 Far W 3,383 2,852 2.1 44.77 28,982

45 Royal 8,556 9,418 2.72 69.01 32,871

46 Iowa 3,353 1,911 7.49 73.33 78,012

47 First 2,921 1,470 3.2 70.29 30,527

48 Park 23,906 19,464 3.75 70.34 51,971

49 First 4,119 2,971 3.68 40.4 38,884

50 Color 4,138 4,174 3.06 53.09 58,247

Mean V$7,694 $5,423 3.20% 55.32% $36,792

Median 4,798 2,932 2.95 54.54 36,051

Standa 7,419 7,013 1.51 11.96 9,815

Compar$6,233 $5,185 3.77% 60.36 $46,530

Compar 4,316 3,004 2.2 62.3 41,140

Compar 11,854 11,464 2.15 N/M 39,824

Compar 310 327 3.48 N/M 27,105 Data source: Compiled by American Banker from data provided by Sheshunoff Information Services, Austin, Texas and the FDIC Quarterly Banking Profile. A large community bank is defined as a FDIC-insured commercial bank that accepts deposits and makes loans, has assets greater than $100 million as of Dec. 31, 1997, and is independently owned or owned by a holding company whose consolidated assets are $2 billion or less as of Dec. 31, 1997. To be included herein, a bank must have been profitable in each of the last three years, 1995-1997. The total overhead expense to average assets is calculated by dividing noninterest expense for the year by the average assets over the period. The efficiency ratio is defined as total non- interest expense (overhead) divided by total revenue (net interest income plus non-interest income). Non-performing assets and other real estate obligations as a percentage of total loans and other real estate obligations is defined as the percentage of interest earning assets that are past due plus those currently reflecting a non-accrual basis. Past due assets have not paid interest and or the principal due for 90 days or more and upon which the bank continues to accrue interest. Non accrual assets are the principal and interest that has been in default for a period of 90 days or more unless the obligation is both well secured and in the process of collection. American Banker 1998 ===

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