+++ "Commercial bank with assets less than $100 million as of Dec. 31, 1998, and is independently owned or owned by a holding company whose consolidated assets are $2 billion or less as of Dec. 31, 1998. To be included herein, a bank must have been profitable "

part 1 of 6

ROA ROA

Rank Rank

1998 1997

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

2 3 First State Bank, Idaho Springs, Colo.

3 NR State Bank of Delano, Minn.

4 NR Security National Bank of Quanah, Tex.

5 4 Avery County Bank, Newland, N.C.

6 26 Central Bank of Kansas City, Mo.

7 2 American National Bank, Parma, Ohio

8 NR First Security Bank, Lake Benton, Minn.

9 27 Wilmot State Bank, Wilmot, S.D.

10 5 First Coleman National Bank, Coleman, Tex.

11 22 State Bank of Downs, Kan.

12 NR Citadel Bank, Colorado Springs, Colo.

13 NR Kislak National Bank, North Miami, Fla.

- NR Bank of St. Edward, Neb.

15 29 Bank of Commerce, Chouteau, Okla.

16 NR Preston National Bank, Dallas

17 11 Lakeside Bank of Salina, Okla.

18 9 First National Bank of Olney, Tex.

19 NR First Liberty National Bank, Washington, D.C.

20 NR First Security Bank, Sanborn, Minn.

21 NR University National Bank, Lawrence, Kan.

- NR First National Bank of Pinedale, Wy.

23 NR First National Bank of Ely, Nev.

24 NR Cairo Banking Co., Cairo, Ga.

25 24 Liberty National Bank, Longwood, Fla.

- NR First National Bank of Sarcoxie, Mo.

27 39 Bank of Locust Grove, Okla.

28 NR Valley Bank of Commerce, Roswell, N.M.

29 NR Stanley Bank, Stanley, Kan.

- NR First B&TC, Broken Bow, Okla.

31 NR Bank of Beulah, Beulah, N.D.

32 NR Stockmens National Bank in Cotulla, Tex.

33 NR Commerce Bank of Aurora, Colo.

- NR Peoples Bank, Westville, Okla.

35 25 Western Bank, Artesia, N.M.

36 NR Golden Society Bank, Alhambra, Calif.

37 36 Oaks Bank & Trust Co., Dallas

- 37 Alamosa National Bank, Alamosa, Colo.

39 15 Home State Bank, Louisville, Neb.

40 43 Prior Lake State Bank, Prior Lake, Minn.

41 26 Citizens Bank, Nashville, Ga.

- 13 American National Bank of Rock Springs, Wy.

43 32 Colorado Springs National Bank, Colo.

44 NR Latimer State Bank, Wilburton, Okla.

45 7 Capital Bank, St. Paul, Minn. (a)

46 21 Frontier State Bank, Oklahoma City

- NR Marshall County State Bank, Newfolden, Minn.

48 NR Douglas County Bank, Douglasville, Ga.

- NR Pikes Peak National Bank, Colorado Springs, Colo.

50 46 Union Bank & Trust Co., Minneapolis

- 31 State Bank of Wiley, Colo.

- 17 First State Bank, Dime Box, Tex.

Totals and averages for the top 50

1 Eastern bank

17 Midwest banks

7 Southern banks

27 Western banks

Top 50 Small Community Banks - Asset Mix

Holdings - $ in millions

Holdings as a percentage of interest earning assets

part 2 of 6

ROA ROA Return on Return on

Rank Rank Average Assets % Average Equity %

1998 1997 1998 1997 1998

1 1 Tri-State 5.91 6.41 16.36

2 3 First Sta 4.67 4.33 61.75

3 NR State Ban 4.37 2.57 29.81

4 NR Security 4.3 1.77 49.18

5 4 Avery Cou 4.13 4.15 16.13

6 26 Central B 4.05 3.01 46.57

7 2 American 4.02 5.1 23.48

8 NR First Sec 3.96 1.06 39.29

9 27 Wilmot St 3.91 3 30

10 5 First Col 3.89 4.15 36.35

11 22 State Ban 3.79 3.12 22.81

12 NR Citadel B 3.78 2.48 42.59

13 NR Kislak Na 3.6 1.22 8

- NR Bank of S 3.6 1.23 15.5

15 29 Bank of C 3.57 2.95 40.83

16 NR Preston N 3.54 2.68 39.15

17 11 Lakeside 3.5 3.42 27.94

18 9 First Nat 3.48 3.68 35.11

19 NR First Lib 3.39 1.36 26.56

20 NR First Sec 3.38 0.96 38.75

21 NR Universit 3.36 1.8 27.07

- NR First Nat 3.36 2.42 22.86

23 NR First Nat 3.32 2.38 11.71

24 NR Cairo Ban 3.26 1.58 38.68

25 24 Liberty N 3.24 3.09 26.06

- NR First Nat 3.24 2.27 37.58

27 39 Bank of L 3.22 2.83 25.09

28 NR Valley Ba 3.18 1.81 33.53

29 NR Stanley B 3.12 2.21 20.96

- NR First B&T 3.12 2.12 39.39

31 NR Bank of B 3.11 1.91 32.69

32 NR Stockmens 3.1 1.88 31.43

33 NR Commerce 3.09 2.66 26.02

- NR Peoples B 3.09 2.38 21.2

35 25 Western B 3.06 3.05 28.42

36 NR Golden So 3.04 1.24 34.08

37 36 Oaks Bank 2.98 2.86 26.56

- 37 Alamosa N 2.98 2.85 30.83

39 15 Home Stat 2.97 3.29 30.72

40 43 Prior Lak 2.95 2.79 28.17

41 26 Citizens 2.94 3 35.85

- 13 American 2.94 3.36 21.33

43 32 Colorado 2.93 2.91 21.87

44 NR Latimer S 2.92 1.8 19.92

45 7 Capital B 2.89 3.91 29.06

46 21 Frontier 2.88 3.15 24.95

- NR Marshall 2.88 2.65 11.28

48 NR Douglas C 2.87 2.06 32.2

- NR Pikes Pea 2.87 1.59 23.43

50 46 Union Ban 2.84 2.75 27.1

- 31 State Ban 2.84 2.91 11.43

- 17 First Sta 2.84 3.22 15.48

Totals an 3.39 2.68 28.71

1 Eastern 3.39 1.36 26.56

17 Midwes 3.44 2.58 28.87

7 Souther 3.71 3.07 24.75

27 Wester 3.28 2.7 29.72

Top 50 Small Community Banks - Asset Mix

Securities Fed Funds/Repos

1998 1997 1998

Holdings - $754 682 160

Holdings a 31.2 30.3 6.6

part 3 of 6

ROA ROA Nonperforming

Rank Rank Asset %

1998 1997 1997 12/31/98 12/31/97

1 1 Tri-State 17.79 0.3 0.19

2 3 First Sta 49.54 0.45 1.48

3 NR State Ban 17.59 0.37 0.59

4 NR Security 23.62 6.29 3.2

5 4 Avery Cou 15.5 0.28 0.23

6 26 Central B 34.4 1.73 0.15

7 2 American 28.66 9.62 0.58

8 NR First Sec 10.82 0.04 0.58

9 27 Wilmot St 25.89 0.53 0.16

10 5 First Col 39.31 0.17 1.18

11 22 State Ban 17.84 0.01 0

12 NR Citadel B 24.03 0 0.01

13 NR Kislak Na 2.5 4.07 23.06

- NR Bank of S 5.6 0.05 0.11

15 29 Bank of C 36.84 0.13 0.41

16 NR Preston N 30.15 0.24 0.7

17 11 Lakeside 29.3 0 0

18 9 First Nat 36.84 0.43 0.65

19 NR First Lib 13.18 0.06 1.4

20 NR First Sec 11.38 0.18 0

21 NR Universit 14.54 0 0.34

- NR First Nat 16.97 5.15 4.03

23 NR First Nat 8.15 0 1.19

24 NR Cairo Ban 19.6 1.9 2.67

25 24 Liberty N 25.24 4.81 4.3

- NR First Nat 27.05 0.42 0.1

27 39 Bank of L 23.52 0.16 1.4

28 NR Valley Ba 19.89 0.17 0.34

29 NR Stanley B 15.34 7.89 0.06

- NR First B&T 25.85 0.86 1.27

31 NR Bank of B 23.82 0.39 1.03

32 NR Stockmens 17.87 0.45 0.36

33 NR Commerce 21.34 0.15 0.14

- NR Peoples B 17.22 0.35 0.35

35 25 Western B 29 1.97 1

36 NR Golden So 13.02 0.81 1.74

37 36 Oaks Bank 30.78 0 0

- 37 Alamosa N 30.36 0.55 0.3

39 15 Home Stat 33.38 0.34 0.45

40 43 Prior Lak 26.73 0.3 0.7

41 26 Citizens 41.13 2.34 2.55

- 13 American 25.37 0.35 0.06

43 32 Colorado 21.4 0 0

44 NR Latimer S 12.92 2.19 1.62

45 7 Capital B 37.25 1.64 0.56

46 21 Frontier 25.5 0.89 0.63

- NR Marshall 10.39 5.44 1.71

48 NR Douglas C 24.43 0.75 1.47

- NR Pikes Pea 13.07 0.14 1.82

50 46 Union Ban 27.06 1.18 0.17

- 31 State Ban 12.88 1.16 0.52

- 17 First Sta 17.47 3.43 2.33

Totals an 22.68 1.37 1.34

1 Eastern 13.18 0.06 1.4

17 Midwes 21.63 1.77 0.43

7 Souther 20.88 2.06 4.92

27 Wester 24.16 0.98 0.99

Top 50 Small Community Banks - Asset Mix

Loans and Leases C&I Loans

1997 1998 1997

Holdings - 170 1,501 1,399

Holdings a 7.5 62.2 62.2

part 4 of 6

ROA ROA 3 yr. Ann Loans as %

Rank Rank Total AssAsset Groof Assets

1998 1997 12/31/98 % 96 to '12/31/98

1 1 Tri-State $54.00 -0.9 24.4

2 3 First Sta 25.8 18.3 85.2

3 NR State Ban 50 9.7 57.9

4 NR Security 12.4 5.3 49

5 4 Avery Cou 58.3 8.1 32.2

6 26 Central B 59.9 8.4 68.6

7 2 American 31.3 0 61.2

8 NR First Sec 15 1.6 51.2

9 27 Wilmot St 20.1 5.6 52.4

10 5 First Col 56.5 2.3 70.4

11 22 State Ban 42.5 6.5 72.6

12 NR Citadel B 49 16.9 27.9

13 NR Kislak Na 89 -12.1 50

- NR Bank of S 32.4 6.6 47.2

15 29 Bank of C 26.6 10.2 60.9

16 NR Preston N 33.5 4.4 74

17 11 Lakeside 23.2 6.4 55.4

18 9 First Nat 35.3 4.8 78.6

19 NR First Lib 33.1 8.5 66.1

20 NR First Sec 9 -1.1 75.3

21 NR Universit 54 21.7 81.2

- NR First Nat 33.4 7.6 31.2

23 NR First Nat 33.9 0.9 45.3

24 NR Cairo Ban 74.1 0.2 57.5

25 24 Liberty N 48.8 0.8 69.8

- NR First Nat 24.1 8.5 75

27 39 Bank of L 25.3 5.9 56.8

28 NR Valley Ba 68.4 9.6 55.1

29 NR Stanley B 99.4 5.5 60.3

- NR First B&T 66.7 7.6 67.9

31 NR Bank of B 45.9 3.1 46.1

32 NR Stockmens 32 7.3 39.3

33 NR Commerce 71.2 5.2 46.9

- NR Peoples B 34.7 11.6 60.2

35 25 Western B 81.6 3.9 50.2

36 NR Golden So 74.6 23.8 83.1

37 36 Oaks Bank 67.8 9.2 50.2

- 37 Alamosa N 64.3 12.7 71.9

39 15 Home Stat 46.8 16.6 78.3

40 43 Prior Lak 93.3 9 57.6

41 26 Citizens 78.3 6 80

- 13 American 44.2 4 55.4

43 32 Colorado 46.4 10 49.5

44 NR Latimer S 48.8 6.1 58.8

45 7 Capital B 44.2 0.9 45.7

46 21 Frontier 34.4 12.1 42.2

- NR Marshall 17.1 3.5 62.8

48 NR Douglas C 99.5 21.2 68.9

- NR Pikes Pea 63.3 3.9 38.5

50 46 Union Ban 57.5 20.7 27.7

- 31 State Ban 48.6 9.3 63.6

- 17 First Sta 26.8 8.4 65.3

Totals an$2,506.50 7.4 57.74

1 Eastern 33.1 8.5 66.1

17 Midwes 742.5 7.5 60.1

7 Souther 502.1 3.3 54.7

27 Wester1,228.80 8.4 56.8

Top 50 Small Community Banks - Asset Mix

Construction/Land Dev.

1998 1997 1998

Holdings - 318 293 114

Holdings a 13.2 13 4.7

part 5 of 6

ROA ROA Loans Net

Rank Rank Outstandi Income as a % of Total Rev.

1998 1997 12/31/98 1998 1998

1 1 Tri-State $13.20 $3.30 23.39

2 3 First Sta 22 1 15.89

3 NR State Ban 28.9 2 28.46

4 NR Security 6.1 0.5 46.67

5 4 Avery Cou 18.8 2.3 3.06

6 26 Central B 41.1 2.3 26.86

7 2 American 19.2 1.3 37.07

8 NR First Sec 7.7 0.6 16.31

9 27 Wilmot St 10.5 0.8 29.53

10 5 First Col 39.8 2 10.47

11 22 State Ban 30.9 1.6 3.21

12 NR Citadel B 13.7 1.6 39.61

13 NR Kislak Na 44.5 2.8 33.83

- NR Bank of S 15.3 1 13.21

15 29 Bank of C 16.2 0.9 22.42

16 NR Preston N 24.8 1.2 28.99

17 11 Lakeside 12.8 0.8 13.72

18 9 First Nat 27.7 1.2 10.67

19 NR First Lib 21.9 1 13.58

20 NR First Sec 6.8 0.3 26.06

21 NR Universit 43.9 1.6 23.19

- NR First Nat 10.4 1 17.68

23 NR First Nat 15.3 1.1 6.2

24 NR Cairo Ban 42.7 2.4 35.45

25 24 Liberty N 34.1 1.5 23.55

- NR First Nat 18.1 0.7 10.12

27 39 Bank of L 14.4 0.8 20.77

28 NR Valley Ba 37.7 2.1 10.31

29 NR Stanley B 59.9 3 15.93

- NR First B&T 45.3 2 14.63

31 NR Bank of B 21.1 1.5 14.1

32 NR Stockmens 12.6 0.9 22.54

33 NR Commerce 33.3 2.1 14.64

- NR Peoples B 20.9 1 20.98

35 25 Western B 41 2.6 12.74

36 NR Golden So 62 2 5.74

37 36 Oaks Bank 34 2 24.33

- 37 Alamosa N 46.3 1.8 13.84

39 15 Home Stat 36.6 1.3 7.42

40 43 Prior Lak 53.8 2.6 16.51

41 26 Citizens 62.6 2.3 12.25

- 13 American 24.5 1.3 8.1

43 32 Colorado 23 1.3 12.16

44 NR Latimer S 28.7 1.4 12.32

45 7 Capital B 20.2 1.2 15.5

46 21 Frontier 14.5 0.9 19.65

- NR Marshall 10.7 0.5 10.95

48 NR Douglas C 68.5 2.6 16.6

- NR Pikes Pea 24.4 1.7 26.47

50 46 Union Ban 15.9 1.5 55.1

- 31 State Ban 30.9 1.3 4.74

- 17 First Sta 17.5 0.7 13.45

Totals an$1,446.50 $79.70 18.86

1 Eastern 21.9 N/M 13.58

17 Midwes 440.6 N/M 20.56

7 Souther 284.3 N/M 21.16

27 Wester 699.8 N/M 17.55

Top 50 Small Community Banks - Asset Mix

Agriculture/FarmlaCommercial RE

1997 1998 1997

Holdings - 95 195 192

Holdings a 4.2 8.1 8.5

part 6 of 6

ROA ROA NonintereAsset/LiaEfficiency

RankRank 1-year Ga Ratio Date

19981997 1997 12/31/98 1998 Established

1 1 Tri- 28.29 -10.6 25 1989

2 3 Firs 13.87 34.67 46.96 1934

3 NR Stat 11.02 0.53 37.82 1908

4 NR Secu 18.66 -10.3 50.61 1891

5 4 Aver 5.28 -5.34 22.48 1913

6 26 Cent 20.4 9.49 48.25 1950

7 2 Amer 46.71 48.96 54.48 1963

8 NR Firs 16.84 -10.89 42.09 1906

9 27 Wilm 35.1 6.43 46.63 1941

10 5 Firs 12.02 6.89 39.62 1932

11 22 Stat 2.89 -3.85 32.76 1892

12 NR Cita 40.12 -4.3 50.97 1972

13 NR Kisl 25.53 41.67 55.01 1963

- NR Bank 16 5.97 21.16 1935

15 29 Bank 16.31 -21.14 43.73 1968

16 NR Pres 31.13 25.16 60.59 1985

17 11 Lake 13.37 -14.03 41.54 1973

18 9 Firs 9.07 -24.71 41.56 1987

19 NR Firs 9.68 11.76 70.66 1988

20 NR Firs 11.89 -16.73 47.4 1901

21 NR Univ 15.68 -0.71 46.18 1988

- NR Firs 10.7 -13.54 52.08 1963

23 NR Firs 3.21 1 42.86 1907

24 NR Cair 15.71 -18.05 49.37 1900

25 24 Libe 20.78 11.5 56.72 1982

- NR Firs 9.7 -0.39 46.53 1881

27 39 Bank 22.23 -11.74 51.63 1949

28 NR Vall 8.14 16.05 44.66 1978

29 NR Stan 16.68 -2.08 44.54 1882

- NR Firs 13.94 3.49 47.98 1946

31 NR Bank 6 -35.18 47.09 1915

32 NR Stoc 23.95 1.84 49.07 1904

33 NR Comm 18.51 -17.49 54.16 1976

- NR Peop 23.02 -0.99 46.39 1903

35 25 West 12.4 -15.75 40.51 1948

36 NR Gold 7.5 17.65 48.79 1982

37 36 Oaks 25.24 15.01 46.38 1985

- 37 Alam 13.81 -22.78 51.23 1907

39 15 Home 7.52 -10.78 36.06 1915

40 43 Prio 15.65 7.8 49.97 1903

41 26 Citi 13.04 -7.04 39.2 1943

- 13 Amer 10.69 -21.33 46.62 1983

43 32 Colo 12.32 -5.91 49.06 1963

44 NR Lati 12.99 -10.89 36.35 1979

45 7 Capi 22.35 -20.17 47.13 1956

46 21 Fron 20.69 21.86 59.57 1975

- NR Mars 11.32 -12.98 34.34 1922

48 NR Doug 15.45 -12.42 48.49 1974

- NR Pike 25.93 31.22 56.88 1957

50 46 Unio 51.37 1.08 58.67 1976

- 31 Stat 5.32 9.84 25.98 1907

- 17 Firs 18.51 6.66 36.49 1905

Tota 17.2 -0.49 45.58 N/M

1 Ea 9.68 11.76 70.66 N/M

17 M 18.65 -1.97 43.59 N/M

7 So 17.73 -0.04 42.32 N/M

27 W 16.35 -0.39 46.75 N/M

Top 50 Small Community Banks - Asset Mix

1-4 Fam. Mortgage Consumer (Nonmtg.)

1998 1997 1998 1997

Holdi 313 279 326 314

Holdi 13 12.4 13.5 14

Source: Compiled by American Banker research from data provided by Sheshunoff Information Services, a Thomson Financial Co. 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, 1998, and is independently owned or owned by a holding company whose consolidated assets are $2 billion or less as of Dec. 31, 1998. To be included herein, a bank must have been profitable in each of the last three years, 1996-1998. The efficiency ratio is defined as total noninterest expense divided by total revenue (net interest income plus noninterest income). Nonperforming 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 nonaccrual 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. Nonaccrual 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. Asset/Liability 1-year gap % represents the amount of mismatch between assets and liabilities maturing or repricing within the next 12 months as a % of total assets. ROA and ROE based upon assets averaged over the last five quarters. Community Banks listed herein include those organized under "Subchapter S" status. (a) Owned by First Sleepy Eye Bancorp, Minn. NR - not ranked. NM - not meaningful. ===

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