+++
"Commercial banks with assets greater than $100 million as of Dec. 31,
part 1 of 5
ROA ROA Return on
Rank Rank Average Assets %
1998 1997 1998
1 3 First National Bank of Keystone, W. 7.24
2 2 Brighton Bank, Salt Lake City 4.91
3 NR Kentucky Farmers Bank, Catlettsburg, 4.6
4 4 First Bank & Trust Co. of Illinois, 4.56
5 8 First Credit Bank, Los Angeles 4.48
6 NR Bank of San Francisco 3.93
7 6 First Security Bank, Sleepy Eye, Min 3.56
8 NR Pueblo Bank & Trust Co., Pueblo, Col 3.41
9 NR Miami Valley Bank, Quincy, Ohio 3.4
10 NR Bank of Newport, Newport, Ore. 3.34
11 12 Inwood National Bank of Dallas 3.32
12 18 First National Bank of Michigan, Eas 3.2
13 NR Jackson State Bank, Jackson, Wy. 3.13
- 11 First National Bank of La Grange, Il 3.13
15 NR Cones State Bank, Pierce, Neb. 3.09
16 37 Skylake State Bank, Northy Miami Bea 3.08
17 NR Sun Security Bank of America, Mounta 3.02
18 8 City Bank, Lynwood, Wash. 3
- NR First Southern Natl. Bank Garrard Ct 3
20 NR Amboy National Bank, Old Bridge, N.J 2.98
- NR Mission Bank, Mission, Kan. (b) 2.98
- 15 Citizens Bank of Tulsa, Okla. 2.98
23 NR Pacific National Bank, Newport Beach 2.95
24 NR Western Bank, Albuquerque, N.M. 2.92
- 50 First Commerce Bank, Corpus Christi, 2.92
- NR First Bank & Trust Co., Wagoner, Okl 2.92
27 NR Peoples Bank, Paragould, Ark. 2.91
28 NR Broadway Bank, Chicago 2.88
- NR First National Bank, Hughes Springs, 2.88
30 NR Valley View State Bank, Overland Par 2.87
- NR First National Bank of New England, 2.87
32 NR American National Bank, Omaha, Neb. 2.85
- 46 Iowa State Bank, Des Moines 2.85
34 12 Farmers & Merchants State Bank, Pier 2.82
35 NR Premier Bank, Atlanta, Ga. 2.79
- 24 Citizens National Bank at Brownwood, 2.79
37 NR Bank of Mauston, Wis. 2.77
- 19 Farmers Saving Bank, Spencer, Ohio 2.77
39 NR First National Bank of Picayune, Mis 2.75
40 NR Security Bank of Kansas City, Kan. ( 2.73
- NR First Bank of Missouri, Gladstone (b 2.73
- 50 Colorado State Bank & Trust Co., Den 2.73
43 31 First Bank of Conroe NA, Tex. 2.71
44 NR International Bank, Raton, N.M. 2.67
45 43 State Bank of De Kalb, Tex. 2.66
46 NR Citizens Bank, Elizabethton, Tenn. 2.65
- 33 Central Bank, Provo, Utah 2.65
48 36 City National Bank of Florida, Miami 2.63
49 30 Bank of Alma, Wis. 2.62
50 NR First Arkansas Bank & Trust, Jackson 2.6
- 40 Vermillion State Bank, Vermillion, M 2.6
52 NR Woodforest National Bank, Houston 2.58
53 35 Yellowstone Bank. Laurel, Mont. 2.57
54 44 Far West Bank, Provo, Utah 2.56
55 NR First Community Industrial Bank, Den 2.53
- NR Oxford Bank & Trust Co., Addison, Il 2.53
- NR Fidelity Bank, Birmingham, Mich. 2.53
- 20 Germantown Trust & Savings Bank, Ill 2.53
59 45 Royal Bank of Pennsylvania, King of 2.52
60 NR Union Bank & Trust Co., North Vernon 2.51
61 NR First United Bank & Trust Co., Duran 2.5
- 49 First NB Albany/Breckenridge, Albany 2.5
63 NR Wood County National Bank, Wisconsin 2.48
- 35 Bank of Las Vegas, Las Vegas, Nev. 2.48
65 NR Western National Bank, Odessa, Tex. 2.46
- NR Fidelity Bank, Edina, Minn. 2.46
67 NR Legacy Bank of Texas, Plano 2.45
68 NR Wauchula State Bank, Wauchula, Fla. 2.44
69 47 Barnes Banking Co., Kaysville, Utah 2.41
70 NR State Bank of Countryside, Ill. 2.4
71 12 Landmark Bank Mid-Cities, Euless, Te 2.39
- NR First State Bank, Scottsbluff, Neb. 2.39
- NR Community Bank & Trust - Habersham, 2.39
- NR Lakeside Bank, Chicago 2.39
75 NR Carlsbad National Bank, Carlsbad, N. 2.38
Totals and averages for the top 75 2.94
3 Eastern banks 2.79
29 Midwest banks 3
14 Southern banks 2.87
29 Western banks 2.92
Securities
1998
Holdings - $ in millions $4,818
Holdings as a percentage of interest 23.3
part 2 of 5
ROA ROA Return on Nonperforming
Rank Rank Average Equity Asset %
1998 1997 1997 1998 1997 12/31/98
1 3 First 3.9 42.98 21.81 0.37
2 2 Bright 4.71 42.38 36.28 0.01
3 NR Kentuc 7.19 15.04 24.69 1.06
4 4 First 3.66 49.75 43.61 1.37
5 8 First 3.14 35.69 32.2 4.01
6 NR Bank o 5.05 26.38 43.08 0.07
7 6 First 3.38 42.32 39.15 0.21
8 NR Pueblo 2.09 45.05 26.12 0.78
9 NR Miami 1.11 24.1 8.15 0.09
10 NR Bank o 1.53 40.66 20.18 0.62
11 12 Inwood 3.07 39.15 36.31 0.37
12 18 First 2.94 39.77 34.13 3.71
13 NR Jackso 2.15 50.65 28.9 0.27
- 11 First 3.1 34.68 31.99 1.16
15 NR Cones 1.41 30.17 13.33 1.07
16 37 Skylak 2.57 16.54 12.26 0.19
17 NR Sun Se 1.44 30.56 14.35 0.76
18 8 City B 3.14 18.95 19.82 1.79
- NR First 2.11 40.6 29.24 0.61
20 NR Amboy 1.74 34.88 17.4 2.43
- NR Missio 2.12 17.53 14.35 0.99
- 15 Citize 2.97 38.82 39.78 1.06
23 NR Pacifi 2.38 33.09 27.36 0.74
24 NR Wester 2.04 30.29 21.16 0.49
- 50 First 2.47 24.86 21.15 1.15
- NR First 2.41 32.64 27.42 0.23
27 NR People 1.81 34.65 20.69 3.22
28 NR Broadw 1.63 23.54 13.12 4.38
- NR First 2.73 27.56 27.89 1.84
30 NR Valley 1.92 18.25 13.75 2.98
- NR First 2.46 16.37 22.14 2.81
32 NR Americ 1.39 34.39 19.21 1.18
- 46 Iowa S 2.49 25.11 23.35 0.71
34 12 Farmer 3.07 28.37 30.8 1.28
35 NR Premie 1.42 30.78 17.67 0.44
- 24 Citize 2.79 24.86 26.81 0.21
37 NR Bank o 2.37 25.55 21.48 1.85
- 19 Farmer 2.87 10.85 11.09 2.02
39 NR First 2.05 29.62 20.52 0.22
40 NR Securi 1.69 18.58 12.97 0.4
- NR First 1.66 21.82 15.3 3.07
- 50 Colora 2.47 25.19 21.53 1.66
43 31 First 2.66 34.05 33.52 0.3
44 NR Intern 1.99 39.56 26.15 0.92
45 43 State 2.53 18.24 18.04 0.76
46 NR Citize 2.45 27.29 25.83 0.73
- 33 Centra 2.64 17.32 17.96 1.47
48 36 City N 2.57 31.41 31.05 0.9
49 30 Bank o 2.69 18.14 20.51 0.23
50 NR First 2.17 18.65 16.42 0.27
- 40 Vermil 2.55 24.71 22.69 0.03
52 NR Woodfo 1.62 34.71 23.21 0.46
53 35 Yellow 2.58 15.38 15.37 1.01
54 44 Far We 2.51 21.12 20.57 1.26
55 NR First 2.55 12.13 11.3 0.42
- NR Oxford 2.13 26.84 26.28 0.65
- NR Fideli 2.36 22.81 19.7 0.45
- 20 German 2.83 17.06 18.29 0.01
59 45 Royal 2.5 16.25 14.63 1.35
60 NR Union 2.63 25.09 20.44 0.16
61 NR First 1.81 24.05 17.72 0.82
- 49 First 2.48 19.68 20.59 0.07
63 NR Wood C 2.43 16.36 20.64 0.17
- 35 Bank o 2.86 33.18 34.56 0.11
65 NR Wester 2.59 17.49 18.03 0.37
- NR Fideli 1.87 29.04 21.41 0.21
67 NR Legacy 1.82 28.78 27.6 1.09
68 NR Wauchu 2.18 17.19 15.58 1.81
69 47 Barnes 2.75 16.57 18.56 0.64
70 NR State 2.32 28.44 28.41 0.88
71 12 Landma 3.39 34.94 50.12 0.62
- NR First 2.47 30.52 29.55 1.83
- NR Commun 2.19 26.05 23.59 1.35
- NR Lakesi 1.95 25.37 21.58 2.05
75 NR Carlsb 1.62 26.21 18.34 0.32
Totals 2.5 27.57 23.34 1.03
3 East 2.23 22.5 18.06 2.2
29 Mid 2.36 26.99 21.77 1.18
14 Sou 2.56 27.38 23.03 0.92
29 Wes 2.63 28.76 25.61 0.82
Fed Funds/Repos Loans and Leases
1997 1998 1997 1998
Holdin 3,844 1,111 849 14,768
Holdin 23.4 5.4 5.2 71.4
part 3 of 5
ROA ROA 3 yr. Ann. Loans as %
Rank Rank Total Assets Asset Growof Assets
1998 1997 12/31/97 12/31/98 % 96 to '912/31/98
1 3 First 0.4 $1,139.90 66.2 52.2
2 2 Bright 0 146.1 16.3 45.3
3 NR Kentuc 1.42 119.8 -1.1 42.8
4 4 First 1.7 610.5 66.5 77.8
5 8 First 5.36 219.1 3.4 76.4
6 NR Bank o 1.11 140.1 7.4 52.7
7 6 First 0.45 129.5 10.3 60.1
8 NR Pueblo 0.99 343.9 8.6 62.3
9 NR Miami 0.32 110.4 11 83.5
10 NR Bank o 0.42 1,253.70 189.9 70
11 12 Inwood 0.75 359.4 26.9 70.8
12 18 First 2.3 343.9 46.9 89.1
13 NR Jackso 0.35 361.3 13 71.9
- 11 First 1.17 149.9 4.7 49.2
15 NR Cones 1.02 206.1 120 64.5
16 37 Skylak 1.12 112.7 3.5 74.5
17 NR Sun Se 1.4 128.1 106.9 55.3
18 8 City B 2.43 492.2 12.9 76.6
- NR First 0.02 361.1 158 72.1
20 NR Amboy 2.27 1,245.70 6.4 68.4
- NR Missio 3.18 316.2 2 59.6
- 15 Citize 0.05 253.6 43.4 72.1
23 NR Pacifi 0.87 293.3 23.2 91.9
24 NR Wester 0.51 278.3 10.6 49.4
- 50 First 1.59 107 -3.7 50.9
- NR First 0.5 102.6 5.8 64
27 NR People 1.63 101 43.5 86.4
28 NR Broadw 3.44 152.5 17.4 71.3
- NR First 1.63 114.4 5.4 55.6
30 NR Valley 4.26 499.4 4.7 46.8
- NR First 1.9 273.9 30.3 44.4
32 NR Americ 1.36 580.9 45.3 68.5
- 46 Iowa S 0.15 148.7 2.7 54.4
34 12 Farmer 0.44 108.1 17.1 74.4
35 NR Premie 0.68 926.3 168.5 80.6
- 24 Citize 0.15 108.3 1.4 48.2
37 NR Bank o 3.21 129.5 11.3 71.3
- 19 Farmer 0.87 112.8 7.9 50.6
39 NR First 0.31 104.3 14.5 76
40 NR Securi 2.63 392.8 2.1 46.9
- NR First 4.8 293.8 4.2 54.4
- 50 Colora 1.68 195.7 8 53.2
43 31 First 0.24 121.4 19.9 64.6
44 NR Intern 2.12 118.5 8 62.9
45 43 State 1.2 108.5 1.2 41.8
46 NR Citize 0.91 351.9 11.9 84.6
- 33 Centra 1.39 244.8 9.1 60.6
48 36 City N 1.16 1,429.90 14.5 68
49 30 Bank o 0.88 110.3 15.4 73.5
50 NR First 0.3 195.1 8.8 54.3
- 40 Vermil 0.32 170.5 8.8 61.5
52 NR Woodfo 0.98 504.4 28.7 42.2
53 35 Yellow 0.23 196.8 70.2 47.1
54 44 Far We 0.43 169.6 16.2 68.2
55 NR First 0.57 327.3 33.8 89
- NR Oxford 0.74 221 5.4 57
- NR Fideli 0.35 220.6 7.6 55.6
- 20 German 0 138.5 10.5 56.8
59 45 Royal 1.48 421.2 7.8 72.3
60 NR Union 0.55 105.5 8.3 77.4
61 NR First 1.05 498.3 32.9 64.4
- 49 First 0.33 170.1 2.3 47.2
63 NR Wood C 0.63 223.9 4.5 62.5
- 35 Bank o 0.39 133.4 11.2 53.5
65 NR Wester 0.63 210.4 10 69.4
- NR Fideli 0.79 200.2 13.5 69.8
67 NR Legacy 0.79 574.2 33.6 66.6
68 NR Wauchu 2.31 258 4.1 56.4
69 47 Barnes 0.43 304 21.4 65.3
70 NR State 0.65 441.3 18.7 50.2
71 12 Landma 1.33 128.2 26.5 61.4
- NR First 0.12 186.3 14.1 59.7
- NR Commun 1.3 274 22.9 64
- NR Lakesi 2.29 279.4 9.4 64.6
75 NR Carlsb 0.39 173.3 1.5 47.5
Totals 1.17 $22,777.90 24.7 63
3 East 1.88 $1,940.90 14.8 61.7
29 Mid 1.39 7,850.60 22.9 62.7
14 Sou 0.91 5,088.50 37.9 68.6
29 Wes 1.01 7,897.90 21.3 60.8
C&I Loans Construction/Land Dev.
1997 1998 1997 1998
Holdin 11,761 2,670 1,999 1,968
Holdin 71.5 12.9 12.1 9.5
part 4 of 5
ROA ROA Loans Net Noninterest Inc. as
Rank Rank Outstand Income as a % of Total Rev.
1998 1997 12/31/98 1998 1998 1997
1 3 First $595.30 $69.30 54.3 57.74
2 2 Bright 66.2 6.8 22.06 22.31
3 NR Kentuc 51.2 5.5 21.28 44.73
4 4 First 475.2 23.8 2.92 4.25
5 8 First 167.4 10.9 14.21 12.39
6 NR Bank o 73.8 5.1 35.16 33.78
7 6 First 77.8 4.3 21.49 18.91
8 NR Pueblo 214.1 11.2 26.85 27.11
9 NR Miami 92.2 3.4 20.91 20.08
10 NR Bank o 878 16.6 20.53 22.64
11 12 Inwood 254.3 11 11.35 13.63
12 18 First 306.5 9 13.27 2.8
13 NR Jackso 259.6 10.6 9.52 10.22
- 11 First 73.7 4.4 24.45 22.14
15 NR Cones 132.8 2.4 10.92 10.42
16 37 Skylak 84 3.3 5.49 7.55
17 NR Sun Se 70.8 1.7 11.71 8.91
18 8 City B 376.7 14.1 24.75 23.8
- NR First 260.2 3.8 9 7.15
20 NR Amboy 851.5 3.5 9.28 25.15
- NR Missio 188.6 9.3 9.68 20.52
- 15 Citize 182.8 7.3 12.83 12.2
23 NR Pacifi 269.5 7.8 62.54 58.06
24 NR Wester 137.5 7.5 9.29 9.96
- 50 First 54.5 3 34.45 32.42
- NR First 65.6 2.9 9.12 9.2
27 NR People 87.3 2.8 38.62 26.21
28 NR Broadw 108.7 4.1 16.45 10.94
- NR First 63.6 2.9 13.83 14.94
30 NR Valley 233.9 13.9 11.16 10.72
- NR First 121.5 7 68.56 64.34
32 NR Americ 398.1 11.7 15.09 16.04
- 46 Iowa S 80.8 4 28.22 27.25
34 12 Farmer 80.4 2.8 10.95 14.03
35 NR Premie 746.2 18 14.63 11.95
- 24 Citize 52.2 3 18.85 19.32
37 NR Bank o 92.4 3.3 19.08 17.44
- 19 Farmer 57.1 2.9 5.14 5.61
39 NR First 79.3 2.7 15.74 14.85
40 NR Securi 184.2 10.8 15.45 18.92
- NR First 159.8 7.8 10.82 22.49
- 50 Colora 104.1 4.9 35.31 35.22
43 31 First 78.4 3.1 25.42 24.79
44 NR Intern 74.5 3 16.64 14.37
45 43 State 45.4 2.9 10.17 9.94
46 NR Citize 297.6 8.9 15.32 16.48
- 33 Centra 148.3 6.3 31.88 31.7
48 36 City N 972.7 33.6 13.62 15.12
49 30 Bank o 81.1 2.8 9.67 9.7
50 NR First 106 4.8 27.15 24.55
- 40 Vermil 104.8 4.2 8.74 9.74
52 NR Woodfo 212.7 11.5 35.47 30.96
53 35 Yellow 92.7 4.8 16.23 15.6
54 44 Far We 115.6 4.2 24.66 24.97
55 NR First 291.1 6.6 3.77 1.94
- NR Oxford 125.9 5.5 23.86 9.77
- NR Fideli 122.7 5.3 15.88 17.85
- 20 German 78.7 3.3 6.55 7.33
59 45 Royal 304.5 10.1 11.81 6.6
60 NR Union 81.7 2.4 9.73 9.4
61 NR First 320.7 11.1 13.04 12.54
- 49 First 80.2 4.2 8.81 8.66
63 NR Wood C 139.9 5.3 15.47 15.24
- 35 Bank o 71.4 3.1 10.95 10.81
65 NR Wester 146 5.1 18.98 17.34
- NR Fideli 139.7 4.4 8.93 8.41
67 NR Legacy 382.3 13.3 22.31 19.84
68 NR Wauchu 145.4 6.1 8.54 9.96
69 47 Barnes 198.5 6.8 10.6 10.89
70 NR State 221.3 10 6.43 22.85
71 12 Landma 78.7 2.7 13.89 17.44
- NR First 111.2 3.8 15.33 12.16
- NR Commun 175.2 5.9 52.99 54.65
- NR Lakesi 180.6 6.6 17.8 20.81
75 NR Carlsb 82.3 4.1 18.62 16.87
Totals$14,717.3 $608.20 18.59 18.77
3 East$1,277.3 N/M 29.88 32.03
29 Mid4,795.80 N/M 15.19 15.6
14 Sou3,574.10 N/M 18.38 19.08
29 Wes5,069.80 N/M 20.93 20.41
AgricultCommercial RE
1997 1998 1997 1998
Holdin 1,332 558 367 4,011
Holdin 8.1 2.7 2.2 19.4
part 5 of 5
ROA ROA Asset/LiEfficiency
Rank Rank 1-year G Ratio Date
1998 1997 12/31/98 1998 Established
1 3 First 16.88 14.38 1904
2 2 Bright 34.72 39.91 1978
3 NR Kentuc -30.41 31.96 1931
4 4 First 14.48 15.03 1962
5 8 First 35.4 21.78 1983
6 NR Bank o -13.27 71.57 1979
7 6 First -15.86 36.59 1882
8 NR Pueblo -8.07 56.85 1889
9 NR Miami 33.85 46.69 1903
10 NR Bank o -20.58 62.22 1925
11 12 Inwood 12.52 47.54 1964
12 18 First -27.32 33.81 1955
13 NR Jackso -17.02 36.29 1914
- 11 First -11.8 45.81 1934
15 NR Cones -5.13 59.01 1882
16 37 Skylak -13.18 69.69 1971
17 NR Sun Se -7.43 51.9 1935
18 8 City B 10.7 40.9 1974
- NR First -0.91 66.49 1865
20 NR Amboy -23.53 28.96 1888
- NR Missio -8.95 30.44 1961
- 15 Citize -22.04 30.74 1981
23 NR Pacifi 39.48 64.34 1982
24 NR Wester 5.18 46.04 1962
- 50 First -16.43 61.6 1907
- NR First 7.91 44.23 1895
27 NR People -14.43 29.83 1991
28 NR Broadw 21.74 46.37 1979
- NR First -10.33 52.9 1903
30 NR Valley 0.46 28.92 1966
- NR First 46.95 54.82 1955
32 NR Americ -11.43 53.91 1856
- 46 Iowa S -19 52.58 1941
34 12 Farmer -10.48 33.61 1908
35 NR Premie -10.11 49.76 1985
- 24 Citize -8.97 47.45 1934
37 NR Bank o -22.54 43.26 1932
- 19 Farmer -23.24 23.66 1925
39 NR First -11.69 51.31 1947
40 NR Securi 6.03 36.99 1917
- NR First -2.7 40.57 1904
- 50 Colora -11.96 65.87 1908
43 31 First 7.2 59.11 1985
44 NR Intern -4.8 49.27 1918
45 43 State -21.34 43.7 1937
46 NR Citize -16.74 45.55 1934
- 33 Centra 14.51 52.83 1891
48 36 City N -7.46 47.35 1937
49 30 Bank o -6.94 19.22 1986
50 NR First -12.37 52.36 1949
- 40 Vermil 0.48 41.13 1918
52 NR Woodfo -17.68 53.02 1980
53 35 Yellow -28.65 50.16 1926
54 44 Far We 16.59 55.28 1975
55 NR First -10.81 36.39 1951
- NR Oxford -15.46 53.06 1902
- NR Fideli -15.66 50.25 1971
- 20 German -18.94 27.32 1906
59 45 Royal -1.51 35.37 1963
60 NR Union -8.1 33.48 1932
61 NR First -22.02 49.81 1900
- 49 First -31.18 41.92 1883
63 NR Wood C 5.61 43.07 1872
- 35 Bank o -32.45 49.28 1890
65 NR Wester 22.15 38.57 1959
- NR Fideli 11.55 43.51 1970
67 NR Legacy -4.82 59.14 1963
68 NR Wauchu -16.54 49.09 1929
69 47 Barnes 7.58 36.63 1891
70 NR State -24.75 38.7 1975
71 12 Landma 8.5 56.75 1985
- NR First -1.23 32.6 1935
- NR Commun -14.71 57.4 1900
- NR Lakesi -2.73 55.83 1966
75 NR Carlsb -20.13 47.74 1924
Totals -5 44.95 N/M
3 East 7.3 39.72 N/M
29 Mid -5.12 39.02 N/M
14 Sou -13.19 48.26 N/M
29 Wes -2.21 49.83 N/M
1-4 Fam. Mortgage Lns.
1997 1998 1997
Holdin 3,211 3,887 3,413
Holdin 19.5 18.8 20.7
Source: Compiled by American Banker research from data provided by
