+++ Among banks with assets less than $100 million, based on return on average assets for 1997 ($ in thousands)

part 1 of 4

ROA

Rank

1997 Name of Bank

1 Tri-State Bank & Trust, Haughton, La.

2 American National Bank, Parma, Ohio

3 First State Bank, Idaho Springs, Colo.

4 Avery County Bank, Newland, N.C.

5 First Coleman National Bank, Tex.

6 First Sun Bank of America, Ellington, Mo.

7 Capital Bank, St. Paul, Minn.

8 Community First Bank NA, Maysville, Ky.

9 First National Bank of Olney, Tex.

10 Brush Country Bank, Freer, Tex.

11 Lakeside Bank of Salina, Okla.

12 Landmark Bank Mid-Cities, Euless, Tex.

13 American National Bank of Rock Springs, Wy.

14 Peak National Bank, Nederland, Colo.

15 Home State Bank, Louisville, Neb.

16 Citizens State Bank of Choteau, Mont.

17 First State Bank, Dime Box, Tex.

18 First State Bank of North Texas, Cedar Hill

19 State Bank of Wheaton, Minn.

20 Anadarko Bank & Trust Co., Anadarko, Okla.

21 Frontier State Bank, Oklahoma City

22 State Bank of Downs, Kan.

23 DeKalb Bank, Crossville, Ala.

24 Liberty National Bank, Longwood, Fla.

25 Colonial Bank, Aurora, Colo.

26 Citizens Bank, Nashville, Ga.

27 Wilmot State Bank, Wilmot, S.D.

28 Mountain National Bank, Woodland Park, Colo.

29 Bank of Commerce, Chouteau, Okla.

30 Peoples Bank, Taos, N.M.

31 State Bank of Wiley, Colo.

32 Colorado Springs National Bank, Colo.

33 Farmers National Bank of Seymour, Tex.

34 Bank of Oberlin, Kan.

35 First National Bank of Burleson, Tex.

36 Oaks Bank & Trust Co., Dallas, Tex.

37 Alamosa National Bank, Colo.

38 Commercial Bank of Leadville, Colo.

39 Bank of Locust Grove, Okla.

40 Citizens Bank of Missouri, Carl Junction

41 First National Bank of Canton, Tex.

42 Richland State Bank, Bruce, S.D.

43 Prior Lake State Bank, Prior Lake, Minn.

44 Citizens Bank of Frostproof, Fla.

45 State Bank Texas, Irving

46 Union Bank & Trust Co., Minneapolis, Minn.

47 Bank of Baker, Mont.

48 Lakewood State Bank, Lakewood, Colo.

49 Martell State Bank, Martell, Neb.

50 First National Bank, Hughes Springs, Tex.

Mean Values for Top 50 Small Community Banks

Median Values for Top 50 Small Community Banks

Standard Deviation for Top 50 Small 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 4

Return Return

ROA On Avg. On Avg.

Rank Assets % Equity %

1997 Name of Bank 1997 1996 1997 1996

1 Tri-State Bank 6.41% 3.82% 17.79% 11.23%

2 American Natio 5.1 2.59 28.66 17.36

3 First State Ba 4.33 2.72 49.54 30.03

4 Avery County B 4.15 3.31 15.5 12.35

5 First Coleman 4.15 2.49 39.31 24.81

6 First Sun Bank 3.94 1.45 36.45 14.24

7 Capital Bank, 3.91 1.22 37.25 12.87

8 Community Firs 3.7 2.41 40.17 26.68

9 First National 3.68 2.27 36.84 24.29

10 Brush Country 3.46 1.22 27.57 12.4

11 Lakeside Bank 3.42 2.53 29.3 22.79

12 Landmark Bank 3.39 2.01 50.12 31.3

13 American Natio 3.36 2.24 25.37 17.62

14 Peak National 3.3 1.91 46.82 28.95

15 Home State Ban 3.29 2.26 33.38 22.28

16 Citizens State 3.26 1.82 28.16 17.46

17 First State Ba 3.22 2.9 17.47 16.33

18 First State Ba 3.22 1.38 30.8 13.76

19 State Bank of 3.22 1.82 16.02 9.89

20 Anadarko Bank 3.21 2.28 22.58 17.03

21 Frontier State 3.15 1.8 25.5 14.84

22 State Bank of 3.12 2.62 17.84 15.99

23 DeKalb Bank, C 3.11 2.01 38.3 23.98

24 Liberty Nation 3.09 2.09 25.24 17.14

25 Colonial Bank, 3.05 1.8 39.47 24.19

26 Citizens Bank, 3 2 41.13 27.46

27 Wilmot State B 3 3.09 25.89 27.75

28 Mountain Natio 2.96 1.5 33.44 17.38

29 Bank of Commer 2.95 2.48 36.84 31.99

30 Peoples Bank, 2.92 1.82 38.66 22.11

31 State Bank of 2.91 3.18 12.88 14.27

32 Colorado Sprin 2.91 1.47 21.4 11.07

33 Farmers Nation 2.91 1.37 27.59 13.56

34 Bank of Oberli 2.9 1.5 33.44 17.38

35 First National 2.86 1.88 25.77 16.95

36 Oaks Bank & Tr 2.86 2.73 30.78 31.63

37 Alamosa Nation 2.85 1.97 30.36 20.88

38 Commercial Ban 2.85 2.46 40.87 26.18

39 Bank of Locust 2.83 2.46 23.52 20.55

40 Citizens Bank 2.82 0.88 26.6 9.4

41 First National 2.81 1.98 25.42 18.55

42 Richland State 2.79 1.5 15.93 7.71

43 Prior Lake Sta 2.79 1.81 26.73 17.44

44 Citizens Bank 2.78 1.75 12.27 7.81

45 State Bank Tex 2.76 1.95 21.21 14.68

46 Union Bank & T 2.75 2.69 27.06 26.22

47 Bank of Baker, 2.75 1.61 25.52 14.51

48 Lakewood State 2.74 1.69 25.76 15.99

49 Martell State 2.73 2.85 20.04 23.01

50 First National 2.73 1.48 27.89 16.49

Mean Values fo 3.25% 2.11% 29.05% 29.12%

Median Values 3.03 1.99 27.58 17.41

Standard Devia 0.67 0.6 9.19 6.52

Comparative: M 1.31% 1.26% 15.72% 15.30%

Comparative: M 0.91 0.72 10.72 8.55

Comparative: M 1.09 1.13 N/M N/M

Comparative: M 0.99 1.14 N/M N/M

part 3 of 4 Nonperf

ROA Assets/TL & Total

Rank Repo RE Assets

1997 Name of 1997 1996 1997 1996

1 Tri-State 0.19% 1.49% $53,323 $58,460

2 American 0.58 2.18 31,858 28,990

3 First Sta 1.48 0.02 19,292 16,315

4 Avery Cou 0.23 0.41 54,038 49,623

5 First Col 1.18 0.8 50,880 52,814

6 First Sun 0.27 0 83,242 16,442

7 Capital B 0.56 0.39 42,235 38,728

8 Community 2.88 2.52 74,272 27,269

9 First Nat 0.65 1.23 34,258 34,410

10 Brush Cou 0.45 0.81 28,234 27,003

11 Lakeside 0 0.66 21,485 20,552

12 Landmark 1.33 2.17 94,114 86,327

13 American 0.06 0.57 41,872 42,400

14 Peak Nati 0.17 0.23 91,901 78,969

15 Home Stat 0.45 0.32 40,426 35,443

16 Citizens 2.34 0.48 29,852 29,469

17 First Sta 2.33 1.09 24,454 23,535

18 First Sta 0.04 0.12 68,140 63,036

19 State Ban 0.21 0.32 60,676 59,827

20 Anadarko 1.71 2.94 38,747 38,446

21 Frontier 0.63 0.02 28,628 28,198

22 State Ban 0 0 39,343 36,833

23 DeKalb Ba 1.35 0.72 24,297 22,016

24 Liberty N 4.3 3.5 46,188 45,432

25 Colonial 1.54 0.9 56,713 45,094

26 Citizens 2.55 1.18 81,068 72,137

27 Wilmot St 0.16 1.68 20,039 18,339

28 Mountain 2.26 2.47 96,895 92,379

29 Bank of C 0.41 0.33 24,702 22,771

30 Peoples B 0.58 1.72 51,596 52,860

31 State Ban 0.52 1.39 46,577 43,380

32 Colorado 0 0.58 43,445 42,669

33 Farmers N 1.06 2.77 31,620 31,224

34 Bank of O 2.26 2.47 96,895 92,379

35 First Nat 0.19 0.49 71,899 67,912

36 Oaks Bank 0 0.05 70,635 58,800

37 Alamosa N 0.3 0.09 57,870 53,233

38 Commercia 0.13 0.01 35,002 29,839

39 Bank of L 1.4 1.84 23,157 21,987

40 Citizens 0.61 1.25 19,937 36,293

41 First Nat 0.35 0.12 45,664 44,415

42 Richland 0 2.78 19,998 16,283

43 Prior Lak 0.7 1.6 85,510 80,136

44 Citizens 0.28 0.49 51,598 49,905

45 State Ban 0.93 3.56 43,918 41,915

46 Union Ban 0.17 1.44 52,537 45,952

47 Bank of B 3.37 3.54 33,175 32,182

48 Lakewood 0.76 0.64 40,807 38,546

49 Martell S 0.06 0.25 38,102 35,175

50 First Nat 1.63 0.74 97,381 97,360

Mean Valu 0.87% 1.10% $48,939 $44,121

Median Va 0.54 0.73 43,682 40,322

Standard 0.98 1.04 22,792 20,563

Comparati 1.11% 1.22% $553,113 $489,572

Comparati 1.41 1.68 499,038 460,595

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

Comparati 2.69 2.75 31,267 28,668

part 4 of 4

Tot O/H Salaries &

ROA Exp./Avg Efficiency Benefits

Rank Net Income Assets % Ratio /Avg Empl.

Loss

1997 Name 1997 1996 1997 1997 1997

1 Tri-S$3,568 $2,145 2.20% 25.43 $29,646

2 Ameri 1,519 781 5.81 51.33 50,000

3 First 781 457 5.06 53.95 38,667

4 Avery 2,120 1,576 1.6 23.59 37,910

5 First 2,158 1,323 2.63 38.42 35,133

6 First 1,152 218 3.37 67.82 40,705

7 Capit 1,565 507 2.85 54.86 34,357

8 Commu 1,708 639 2.1 45.12 41,478

9 First 1,249 749 3.72 73.44 39,681

10 Brush 922 316 3.32 47 31,600

11 Lakes 727 513 2.59 42.93 35,491

12 Landm 3,136 1,592 3.21 75.83 45,643

13 Ameri 1,419 933 2.26 52.23 45,660

14 Peak 2,929 1,332 2.77 67.92 27,214

15 Home 1,256 754 2.42 56.98 29,500

16 Citiz 944 512 2.19 47.54 32,353

17 First 763 648 2.69 34.78 33,333

18 First 2,144 860 2.66 44.69 32,692

19 State 1,918 1,058 2.84 56.73 30,877

20 Anada 1,239 878 2.82 91.47 33,407

21 Front 891 461 4.32 57.44 31,823

22 State 1,184 949 3.19 62.35 34,920

23 DeKal 719 429 3.91 60.35 26,703

24 Liber 1,438 954 3.09 56.07 36,719

25 Colon 1,568 791 2.72 57.08 39,533

26 Citiz 2,294 1,375 4.59 69.45 34,725

27 Wilmo 563 547 3.29 67.61 33,158

28 Mount 2,690 1,335 1.37 46.1 45,400

29 Bank 702 539 4.28 60.84 36,854

30 Peopl 1,510 939 3.84 73.98 27,239

31 State 1,315 1,269 1.55 24.7 36,172

32 Color 1,259 585 2.01 45.43 33,889

33 Farme 892 497 3.3 65.51 37,967

34 Bank 2,690 1,335 1.37 46.1 45,400

35 First 1,964 1,202 2.8 58.36 36,471

36 Oaks 1,808 1,534 3.97 47.13 52,158

37 Alamo 1,596 996 2.42 44.22 30,129

38 Comme 923 708 3.74 68.77 32,292

39 Bank 645 537 2.3 42.72 43,525

40 Citiz 954 299 2.58 50.58 35,545

41 First 1,267 854 2.68 47.92 27,479

42 Richl 519 221 7.27 39.56 40,769

43 Prior 2,263 1,368 2.52 55.3 31,701

44 Citiz 1,465 859 2.75 48.51 31,462

45 State 1,133 675 3.71 55.08 38,950

46 Union 1,305 1,072 6.98 60.01 49,339

47 Bank 885 483 3.59 64.18 28,221

48 Lakew 1,061 568 4.15 66.09 32,846

49 Marte 991 948 3.17 60.1 41,440

50 First 2,677 1,442 3.73 65.6 28,649

Mean $1,481 $871 3.35% 55.13 $36,379

Media 1,286 823 2.97 55.69 35,027

Stand 708 418 1.39 13.98 6,860

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

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

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

Compa 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 small community bank is defined as a FDIC-insured commercial bank that accepts deposits and makes loans, has assets less 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. N/A = not available N/M = not meaningful American Banker 1998 ===

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