+++ Based on the return on average assets for 1994 (dollar amounts in thousands) part 1 of 4
Return
On Avg. Rank Assets 1994 1994 1 First National Bank, Keystone, W.Va. 7.527 2 Tri-State Bank & Trust, Haughton, La. 4.653 3 Fort Hood National Bank, Tex. (M) 4.647 4 First Bank, Mccomb, Miss. (O) 4.155 5 Bank of Robstown, Tex. 4.078 6 First National Bank of Michigan, East Lansing (O) 3.48 7 Brighton Bank, Salt Lake City (O) 3.406 8 First National Bank of Houma, La. (O) 3.352 9 Pioneer Trust Bank NA, Salem, Ore. (O) 3.24 10 Equality State Bank, Cheyenne, Wyo. (O) 3.124 11 Citizens First Bank, Rusk, Tex. 3.059 12 First Coleman National Bank, Tex. (M) 2.981 13 Bank NA, Breckenridge, Colo. (M) 2.92 14 American National Bank, Allenl, Tex. (a,O) 2.887 15 Farmers Savings Bank, Spencer, Ohio 2.876 16 Pacific Continental Bank, Eugene, Ore. 2.861 17 First Bank of Eagle County, Eagle, Colo. (O) 2.76 18 Royal Bank of Pennsylvania, King of Prussia 2.751 19 Guardian State Bank, Salt Lake City (O) 2.674 20 First Southern National Bank-Lincoln County, Hustonville 2.668 21 American Bank, Welsh, La. (O) 2.665 22 Miami Valley Bank, Quincy, Ohio 2.665 23 Peoples Bank of Pennsylvania, Ford City (M) 2.638 24 First National Bank,Henrietta, Tex. (M) 2.637 25 First Bank & Trust Co. of Illinois, Palatine (O) 2.621 26 First Tuskegee Bank, Ala. (O) 2.619 27 First National Bank of Crowley, La. (O) 2.613 28 Bank of St John, Reserve, La. 2.558 29 West Des Moines State Bank, Iowa (O) 2.557 30 First Security Bank Missoula, Mont. (O) 2.547 31 Bank of De Soto NA, Tex. (O) 2.53 32 Barnes Bankg Co., Kaysville, Utah 2.524 33 West Carroll National Bank, Oak Grove, La. (O) 2.519 34 Snyder National Bank, Tex. 2.512 35 Farmers & Merchants State Bank, Pierz, Minn. (O) 2.511 36 Crescent Bank & Trust, New Orleans (O) 2.511 37 MegaBank of Arapahoe, Englewood, Colo. (O) 2.508 38 First National Bank, Wyoming, Del. 2.503 39 Mcdowell County National Bank, Welch, W.Va. 2.502 40 Progressive Bank & Trust Co., Houma, La. (O) 2.489 41 BankIllinois, Champaign (O) 2.475 42 First National Bank, Newton, Tex. (O) 2.473 43 Bank of Granite, Granite Falls, N.C. (O) 2.451 44 First State Bank of Uvalde, Tex. (M) 2.444 45 River City Bank, Louisville, Ky. (M) 2.418 46 Farmers & Merchants Bank & Trust Co., Breaux Bridge, La.
2.415 47 Northwest Bank, Oklahoma City (M) 2.401 48 First Bank & Trust, New Orleans (O) 2.386 49 Citizens Bank, Carthage, Tenn. 2.385 50 First Bank of Marietta, Ohio (O) 2.381 51 Bank of Alma, Wis. (M) 2.38 52 First National Bank, Denham Springs, La. (O) 2.348 53 Founders Bank of Arizona, Scottsdale (M) 2.346 54 Union Bank & Trust Co., Lincoln, Neb. (O) 2.341 55 Aurora National Bank, Colo. (M) 2.341 56 North Community Bank, Chicago (M) 2.334 57 Marion Trust & Bankg Co, Jasper, Tenn. (M) 2.334 58 City Bank, Lynnwood, Wash. 2.329 59 Broadway Bank, Chicago 2.321 60 Wayne County Bank, Waynesboro, Tenn. (O) 2.314 61 Far West Bank, Provo, Utah (O) 2.308 62 First State Bank, Athens, Tex. 2.302 63 First National Bank, Edinburg, Tex. (O) 2.300 64 Midland American Bank, Tex. 2.297 65 Citizens Bank & Trust Co. of Granger County, Rutledge, T 2.281 66 Moody National Bank, Galveston, Tex. (O) 2.275 67 Sun Capital Bank, St. George, Utah 2.273 68 Bank of Southside Virginia, Carson, Va (O) 2.268 69 St. Henry Bank, Ohio 2.261 70 TransFlorida Bank, Cooper City 2.258 71 First National Bank, De Ridder, La. 2.257 72 Bank of Evergreen, Colo. (M) 2.256 73 Security State Bank, Pearsall, Tex. (M) 2.25 74 Houghton State Bank, Red Oak, Iowa (O) 2.248 75 Bank of Gray, Ga. 2.246 76 Bank of Douglas County, Castle Rock, Colo. 2.244 77 Valley Bank, Cleveland, Miss. (O) 2.243 78 First National Bank, Missouri City, Tex. 2.242 79 Citizens Bank, Fayette, Ala. (O) 2.242 80 Bank of Gonzales, La. (O) 2.24 81 Farmers & Merchants Bank, Dublin, Ga. 2.239 82 First Enterprise Bank, Oklahoma City 2.239 83 Morris State Bank, Minn. (O) 2.233 84 First Security State Bank, Sleepy Eye, Minn. (M) 2.219 85 City Savings Bank & Trust Co., De Ridder, La. 2.214 86 First State Bank, Frankston, Tex. 2.209 87 Planters & Merchants State Bank, Hearne, Tex. (O) 2.209 88 Bank of the Pacific, Long Beach, Wash. 2.208 89 Central Progressive Bank, Amite, La. (O) 2.208 90 Panhandle State Bank, Sandpoint, Idaho 2.207 91 First National Bank, Chicago Heights, Ill. (M) 2.202 92 Neffs National Bank, Pa. (O) 2.194 93 First National Bank of Holmes County, Lexington, Miss. ( 2.194 94 First National Bank, Van Alstyne, Tex. (O) 2.19 95 First State Bank & Trust Co., Mission, Tex. 2.189 96 Cecilian Bank, Cecilia, Ky. (O) 2.186 97 Western National Bank, Odessa, Tex. (O) 2.185 98 Clovis Community Bank, Calif. 2.182 99 First National Bank, Gilmer, Tex. (O) 2.179 100 Citizens Bank, Delavan, Wis. (O) 2.178
Mean values for top 100 banks 2.583
Median values for top 100 banks 2.381
Mean values forall banks with assets between $50 mil.- $ 1.18 part 2 of 4
Return Return Return Overhead Loans
On Avg. On Avg. On Avg. as a % as a % Total
of of Rank Assets Equity Equity Assets Assets Assets 1994 1993 1994 1993 1994 12/31/94 12/31/94 1 First National Ba% 6.659 47.849% 55.750% 3.32 81.73 $162,738 2 Tri-State Bank & 5.365 17.015 25.699 4.13 29.06 51,148 3 Fort Hood Nationa 3.567 60.117 45.964 17.88 14 69,039 4 First Bank, Mccom 2.16 50.992 36.659 3.21 55.84 142,379 5 Bank of Robstown, 0.687 36.216 8.325 4.05 64.5 70,293 6 First National Ba 3.395 33.166 39.676 2.58 77.1 115,989 7 Brighton Bank, Sa 2.96 28.791 28.123 4.39 64.06 83,890 8 First National Ba 0.951 56.453 19.42 3.98 47.42 197,528 9 Pioneer Trust Ban 3.262 19.874 22.204 2.28 30.95 135,619 10 Equality State Ba 1.318 29.85 13.878 4.24 64.64 63,491 11 Citizens First Ba 3.427 21.651 29.219 1.73 59.2 205,935 12 First Coleman Nat 4.368 30.563 45.128 2.62 49.69 54,033 13 Bank NA, Breckenr 1.773 41.085 23.253 4.04 60.86 111,642 14 American National 1.102 39.965 16.347 7.03 34.51 373,607 15 Farmers Savings B 2.833 11.446 11.392 1.61 49.62 84,208 16 Pacific Continent 2.939 26.355 28.524 4.86 75.7 103,199 17 First Bank of Eag 1.036 35.544 11.872 3.32 67.49 54,183 18 Royal Bank of Pen 2.204 12.008 11.199 3.31 52.01 312,925 19 Guardian State Ba 2.328 31.018 30.341 8.27 70.11 61,086 20 First Southern Na 2.604 34.897 34.811 3.49 78.11 70,767 21 American Bank, We 1.284 28.747 15.341 4.19 57.56 50,019 22 Miami Valley Bank 3.92 34.091 53.579 4.94 37.25 79,105 23 Peoples Bank of P 2.589 20.292 23.933 3.57 62.02 55,710 24 First National Ba 2.332 24.605 22.803 2.73 49.22 59,163 25 First Bank & Trus 2.718 23.37 24.699 2.5 60.75 135,398 26 First Tuskegee Ba 3.223 33.412 33.88 5.13 74.38 51,247 27 First National Ba 1.469 21.738 12.256 3.41 49.78 67,876 28 Bank of St John, 1.813 25.707 19.148 3.7 53.78 123,781 29 West Des Moines S 2.633 23.796 23.836 1.92 73.27 418,306 30 First Security Ba 2.618 32.777 36.116 4.26 72.19 83,794 31 Bank of De Soto N 2.651 30.886 37.361 4.56 75.34 56,772 32 Barnes Bankg Co., 2.278 16.75 15.812 2.48 55.15 158,303 33 West Carroll Nati 2.608 27.741 33.02 3.74 62.84 101,224 34 Snyder National B 2.552 20.173 19.107 2.63 29.05 103,317 35 Farmers & Merchan 2.7 23.302 26.897 2.47 67.65 58,591 36 Crescent Bank & T 3.028 36.293 40.104 6.31 75.55 84,249 37 MegaBank of Arapa 2.041 33.8 29.005 4.37 77.17 60,538 38 First National Ba 2.154 12.942 11.986 2.81 60.57 86,331 39 Mcdowell County N 2.923 10.223 11.856 2.23 41.09 128,999 40 Progressive Bank 1.82 31.102 26.043 3.55 56.88 141,992 41 BankIllinois, Cha 1.453 23.989 18.43 3.65 67.25 215,962 42 First National Ba 2.721 28.325 33.162 4.02 72.2 73,793 43 Bank of Granite, 2.397 16.752 17.208 2.28 65.56 411,618 44 First State Bank 1.753 26.473 20.74 1.98 35.94 232,646 45 River City Bank, 2.571 25.51 28.198 4.35 84.74 52,811 46 Farmers & Merchan 2.518 14.754 15.642 2.87 27.01 113,369 47 Northwest Bank, O 2.734 25.445 28.214 3.49 62.8 79,803 48 First Bank & Trus 3.283 20.116 33.006 4.37 38.18 62,365 49 Citizens Bank, Ca 2.552 14.083 15.672 1.47 65.3 263,015 50 First Bank of Mar 2.509 14.296 16.793 1.84 63.39 78,647 51 Bank of Alma, Wis 2.421 22.838 24.688 1.42 70.69 69,274 52 First National Ba 2.391 28.019 26.944 5.64 66.09 110,914 53 Founders Bank of 2.074 28.83 25.693 6.84 56.72 62,070 54 Union Bank & Trus 1.99 24.688 22.299 16.25 68.02 397,335 55 Aurora National B 1.903 27.943 23.035 4.27 65.11 135,780 56 North Community B 2.071 28.697 30.369 5.97 68.1 134,227 57 Marion Trust & Ba 2.453 28.342 29.115 5.12 63.67 62,352 58 City Bank, Lynnwo 2.128 19.103 19.423 3.29 80.26 276,667 59 Broadway Bank, Ch 2.457 18.4 21.515 2.98 71.78 85,258 60 Wayne County Bank 1.825 17.709 15.099 2.83 66.37 70,505 61 Far West Bank, Pr 2.173 23.952 24.424 5.61 73.54 102,478 62 First State Bank, 2.412 24.347 26.666 2.49 31.87 202,885 63 First National Ba 1.846 35.159 24.579 4.9 55.43 183,657 64 Midland American 1.779 31.322 26.673 3.19 66.11 121,828 65 Citizens Bank & T 2.389 15.589 17.176 2.57 52.71 95,766 66 Moody National Ba 1.783 24.794 22.501 3.1 29.04 219,000 67 Sun Capital Bank, 1.624 26.312 18.265 5.34 69 54,021 68 Bank of Southside 2.262 15.775 16.453 3.19 60.05 199,713 69 St. Henry Bank, O 2.231 11.442 12.222 1.71 68.52 92,009 70 TransFlorida Bank 1.927 17.928 16.508 2.8 63.58 241,512 71 First National Ba 2.49 12.599 15.418 1.88 21.55 114,640 72 Bank of Evergreen 2.337 25.472 28.128 4.4 69.55 117,692 73 Security State Ba 2.906 26.869 34.648 1.52 27.17 138,633 74 Houghton State Ba 1.897 23.015 20.966 2.98 75.84 70,694 75 Bank of Gray, Ga. 2.112 19.402 18.726 1.81 46.65 72,500 76 Bank of Douglas C 1.875 11.849 10.48 1.44 14.19 87,899 77 Valley Bank, Clev 1.451 29.903 20.183 5.43 72.32 55,591 78 First National Ba 2.157 22.478 25.173 3.52 69.63 70,310 79 Citizens Bank, Fa 2.419 9.542 10.523 1.46 32.04 116,416 80 Bank of Gonzales, 2.502 22.096 25.558 3.65 50.86 117,328 81 Farmers & Merchan 2.226 14.218 14.942 2.37 64.81 196,294 82 First Enterprise 1.56 22.111 15.703 3.21 69.12 118,283 83 Morris State Bank 1.732 19.326 15.88 3.17 63.93 56,887 84 First Security St 2.044 23.981 23.503 3.32 70.5 92,868 85 City Savings Bank 1.324 27.888 19.859 2.91 38.47 68,450 86 First State Bank, 2.685 17.469 21.938 2.75 32.46 70,767 87 Planters & Mercha 2.172 15.253 16.552 2.38 45.63 83,662 88 Bank of the Pacif 2.252 22.679 23.898 3.38 68.32 73,495 89 Central Progressi 1.558 23.379 19.577 4.1 68.26 69,670 90 Panhandle State B 1.896 25.477 23.032 3.31 66.48 66,091 91 First National Ba 0.802 38.876 13.191 4.44 57.52 190,925 92 Neffs National Ba 2.545 14.606 18.216 1.46 44.61 106,745 93 First National Ba 2.205 16.659 16.602 2.82 52.35 92,513 94 First National Ba 2.183 28.969 35.662 4.33 61.77 61,308 95 First State Bank 2.017 17.096 17.364 1.51 48.22 402,936 96 Cecilian Bank, Ce 2.142 17.663 16.564 2.55 65.86 101,623 97 Western National 2.299 18.559 20.018 2.89 56.6 163,913 98 Clovis Community 2.178 19.802 21.638 5.32 55.56 116,500 99 First National Ba 2.24 17.173 19.002 1.85 30.76 142,662 100 Citizens Bank, De 2.789 11.697 15.178 1.34 63.35 97,022
Mean values for t 2.339 24.74 23.23 3.69 57.52 124,640
Median values for 2.257 23.97 22.07 3.31 62.82 96,394
Mean values foral 1.18 12.62 12.92 3.61 57.4 160,057
1267 1322 1637 31389 62650 94
2307 1364 3864 87228 57457 160 part 3 of 4
3-Year Noncur. No.of
Assets Loans Net Net Full-Time
Gr.Rate as a of Income Income Empl. Rank 1991-94 % Asset 1994 1994 12/31/94 1994 12/31/94 1 First National 78 0.75 $10,084 $7,233 31 2 Tri-State Bank -10.8 0.03 2,437 2,960 20 3 Fort Hood Natio 3.1 0.89 3,456 2,626 64 4 First Bank, Mcc -1.9 0.15 5,888 2,928 88 5 Bank of Robstow 26.7 1.11 2,631 417 36 6 First National 11.5 1.05 3,682 3,617 36 7 Brighton Bank, 53.8 0.14 2,857 2,214 51 8 First National 0.4 1.06 6,521 1,802 130 9 Pioneer Trust B 17.6 0.03 4,318 4,284 53 10 Equality State -24 0.35 2,177 1,186 39 11 Citizens First 15.1 0.32 6,192 6,549 46 12 First Coleman N -8 0.86 1,612 2,400 26 13 Bank NA, Brecke 39.5 0.29 2,919 1,517 56 14 American Nation 823.6 0.7 5,015 475 222 15 Farmers Savings 24.8 0.54 2,403 2,212 16 16 Pacific Contine 97.5 0.1 2,744 2,256 66 17 First Bank of E 88.1 0.32 1,299 375 25 18 Royal Bank of P 8.3 0.67 8,012 6,625 83 19 Guardian State 12.9 0.74 1,638 1,400 63 20 First Southern 1.6 1.88 1,863 1,787 32 21 American Bank, -6.3 1.71 1,299 623 40 22 Miami Valley Ba 207.4 0.25 2,261 2,313 79 23 Peoples Bank of 7.3 0.57 1,655 1,443 28 24 First National 1.3 0 1,574 1,376 24 25 First Bank & Tr 59.4 0.28 3,003 2,630 34 26 First Tuskegee 106.7 3.72 1,270 1,256 36 27 First National -1.3 0.34 1,810 1,001 35 28 Bank of St John 23.9 0.17 2,930 1,942 68 29 West Des Moines 30.3 1.28 10,038 9,319 107 30 First Security 98.9 0.5 2,004 1,710 62 31 Bank of De Soto 30.4 0.73 1,374 1,334 31 32 Barnes Bankg Co 39.5 0.33 3,850 3,159 68 33 West Carroll Na 27.5 0.94 2,312 2,134 58 34 Snyder National 8.6 1.23 2,428 2,538 35 35 Farmers & Merch 21.4 0.11 1,401 1,434 23 36 Crescent Bank & 323.9 1.92 1,744 1,309 56 37 MegaBank of Ara 72.2 0.92 1,505 977 41 38 First National 4.8 1.66 2,164 1,855 34 39 Mcdowell County -0.2 2 3,362 3,883 49 40 Progressive Ban 23.3 0.16 3,457 2,424 100 41 BankIllinois, C -10 0.49 5,569 3,601 110 42 First National 42.7 1.08 1,733 1,732 49 43 Bank of Granite 22.7 0.54 9,824 8,911 159 44 First State Ban 7.9 0.96 5,630 3,969 76 45 River City Bank 83 0 1,239 1,043 30 46 Farmers & Merch 10.3 1.5 2,785 2,788 53 47 Northwest Bank, -4.1 3.9 1,934 2,151 44 48 First Bank & Tr 31.5 1.09 1,475 1,913 29 49 Citizens Bank, 32.8 0.26 5,977 5,841 70 50 First Bank of M 42 1.32 2,012 2,090 18 51 Bank of Alma, W 27.3 0.38 1,556 1,475 17 52 First National 27.6 1.51 2,537 2,398 99 53 Founders Bank o 31.3 0.21 1,371 1,031 55 54 Union Bank & Tr 9.2 0.65 8,875 7,052 1,143 55 Aurora National 13.8 0.43 3,181 2,438 70 56 North Community 21.5 0.63 3,004 2,606 106 57 Marion Trust & 19.5 0.43 1,383 1,362 41 58 City Bank, Lynn 17.8 1.38 6,765 5,802 143 59 Broadway Bank, 38.5 1.22 1,800 1,759 26 60 Wayne County Ba 10.6 0.75 1,570 1,187 39 61 Far West Bank, 30.1 0.02 2,192 1,829 107 62 First State Ban 31.1 0.38 4,157 4,002 82 63 First National 63 0.13 4,002 2,502 128 64 Midland America 65.9 0.42 2,537 1,656 78 65 Citizens Bank & 20.2 0.4 2,151 2,145 41 66 Moody National 29.9 0.82 4,814 3,476 115 67 Sun Capital Ban 91 0.13 1,120 609 41 68 Bank of Southsi 10.7 0.11 4,503 4,237 77 69 St. Henry Bank, 10.3 0.46 2,098 2,024 17 70 TransFlorida Ba 36 1.79 5,058 3,862 99 71 First National 5.3 0.21 2,607 2,833 35 72 Bank of Evergre 108.6 0.32 2,222 1,504 66 73 Security State 24 0.1 3,047 3,627 31 74 Houghton State -0.4 0 1,612 1,343 37 75 Bank of Gray, G 39.6 0.2 1,534 1,295 19 76 Bank of Douglas 17.7 0.24 1,995 1,584 23 77 Valley Bank, Cl 42.5 0.39 1,132 612 58 78 First National 21.3 0.5 1,508 1,425 37 79 Citizens Bank, 13.1 0.29 2,577 2,620 28 80 Bank of Gonzale 20.4 0.13 2,625 2,807 62 81 Farmers & Merch 21.4 0.17 4,161 3,881 73 82 First Enterpris 25.4 0.93 2,563 1,648 61 83 Morris State Ba 7 0.01 1,192 898 24 84 First Security -10.2 0.86 2,113 2,016 37 85 City Savings Ba 14.4 0.33 1,387 781 32 86 First State Ban 9.5 0.87 1,582 1,865 23 87 Planters & Merc 16.7 0.72 1,782 1,696 28 88 Bank of the Pac 40.6 0.23 1,575 1,500 35 89 Central Progres 34.8 1.58 1,475 973 59 90 Panhandle State 78.8 0.3 1,373 1,005 37 91 First National 11.6 0.19 4,518 1,647 96 92 Neffs National 32.4 0.41 2,276 2,424 22 93 First National 4.3 0.24 2,069 1,979 43 94 First National 8 0.56 1,286 1,210 44 95 First State Ban 25.9 1.9 8,927 8,127 91 96 Cecilian Bank, 15.6 1.49 2,112 1,953 43 97 Western Nationa 9.1 1.6 3,496 3,465 75 98 Clovis Communit 29.9 1.41 2,525 2,325 72 99 First National 12.4 0.42 3,129 3,149 38 100 Citizens Bank, 27 0.25 2,076 2,486 14
Mean values for 39.1 0.71 3,045 2,517 67
Median values f 21.5 0.48 2,294 2,020 44
Mean values for 29.8 0.63 1,841 1,682 77 part 4 of 4
Pre-Tax Pre-Tax
Op.Inc Op. Inc Rank Per Empl. Per Empl. 1994 1994 1993 1 First National Ban $487 $431 2 Tri-State Bank & T 185 179 3 Fort Hood National 84 67 4 First Bank, Mccomb 67 31 5 Bank of Robstown, 27 19 6 First National Ban 154 143 7 Brighton Bank, Sal 87 69 8 First National Ban 16 12 9 Pioneer Trust Bank 122 120 10 Equality State Ban 86 24 11 Citizens First Ban 192 195 12 First Coleman Nati 91 103 13 Bank NA, Breckenri 80 45 14 American National 34 30 15 Farmers Savings Ba 187 171 16 Pacific Continenta 63 65 17 First Bank of Eagl 79 29 18 Royal Bank of Penn 133 108 19 Guardian State Ban 41 36 20 First Southern Nat 92 93 21 American Bank, Wel 44 23 22 Miami Valley Bank, 43 40 23 Peoples Bank of Pe 74 60 24 First National Ban 96 90 25 First Bank & Trust 137 113 26 First Tuskegee Ban 40 36 27 First National Ban 74 39 28 Bank of St John, R 63 42 29 West Des Moines St 140 142 30 First Security Ban 54 55 31 Bank of De Soto NA 69 66 32 Barnes Bankg Co., 76 73 33 West Carroll Natio 53 65 34 Snyder National Ba 99 96 35 Farmers & Merchant 87 87 36 Crescent Bank & Tr 48 52 37 MegaBank of Arapah 59 40 38 First National Ban 97 88 39 Mcdowell County Na 94 119 40 Progressive Bank & 49 40 41 BankIllinois, Cham 75 47 42 First National Ban 54 65 43 Bank of Granite, G 91 84 44 First State Bank o 101 71 45 River City Bank, L 63 66 46 Farmers & Merchant 67 65 47 Northwest Bank, Ok 65 68 48 First Bank & Trust 76 96 49 Citizens Bank, Car 127 135 50 First Bank of Mari 169 116 51 Bank of Alma, Wis. 144 144 52 First National Ban 39 39 53 Founders Bank of A 18 21 54 Union Bank & Trust 12 9 55 Aurora National Ba 64 50 56 North Community Ba 39 32 57 Marion Trust & Ban 48 45 58 City Bank, Lynnwoo 72 63 59 Broadway Bank, Chi 108 112 60 Wayne County Bank, 61 51 61 Far West Bank, Pro 32 29 62 First State Bank, 72 91 63 First National Ban 48 32 64 Midland American B 47 37 65 Citizens Bank & Tr 76 74 66 Moody National Ban 61 48 67 Sun Capital Bank, 41 23 68 Bank of Southside 77 76 69 St. Henry Bank, Oh 153 152 70 TransFlorida Bank, 76 56 71 First National Ban 104 119 72 Bank of Evergreen, 53 66 73 Security State Ban 119 148 74 Houghton State Ban 64 54 75 Bank of Gray, Ga. 100 85 76 Bank of Douglas Co 124 93 77 Valley Bank, Cleve 30 23 78 First National Ban 60 57 79 Citizens Bank, Fay 133 149 80 Bank of Gonzales, 63 50 81 Farmers & Merchant 87 85 82 First Enterprise B 47 27 83 Morris State Bank, 63 57 84 First Security Sta 92 90 85 City Savings Bank 55 40 86 First State Bank, 87 116 87 Planters & Merchan 88 80 88 Bank of the Pacifi 60 59 89 Central Progressiv 38 26 90 Panhandle State Ba 56 48 91 First National Ban 74 27 92 Neffs National Ban 120 155 93 First National Ban 64 66 94 First National Ban 30 23 95 First State Bank & 134 117 96 Cecilian Bank, Cec 68 75 97 Western National B 73 64 98 Clovis Community B 55 71 99 First National Ban 119 142 100 Citizens Bank, Del 198 280
Mean values for to 84 78
Median values for 73 65
Mean values forall 38 42 === Data Source: Compiled by American Banker from data provided by Sheshunoff Information Services Inc., Austin Texas. A large community bank is an FDIC- insured commercial bank that accepts deposits and makes loans; has assets between $50 million and $1 billion on Dec. 31, 1994, and is independently owned or owned by a holding company whose consolidated total assets are $1 billion or less on Dec. 31, 1994. To make this listing, the bank must be profitable in each of the last three years 1992-1994. U.S. bank subsidiaries of foreign banks are excluded. Returns on average assets and average equity are net income for the year before extraordinary items divided by average assets and average equity capital, respectively. Overhead as a % of assets: overhead expense divided by average total assets. Loans as a % of Assets: total loans divided by total assets. Asset Growth Rate: the percentage change in assets over the period Dec. 31, 1991, to Dec. 31, 1994. Noncur. loans as a % of assets: loans past due 90 or more days plus loans on a nonacrual basis divided by total end-of-period assets. Net income: income after taxes but before extraordinary items. Pre-tax op. inc. per empl.: pre-tax operating income for the year divided by the number of employees at the end of the year. (O)- Owned by a 1-bank holding co. (M)- Owned by a multi-bank holding co. (a)- Formerly known as First National Bank, Allen, changed title when it merged with the $309 million- asset American National Bank, Terrell. (b)- The data are for 5.442 banks with assets between $50 million and $1 billion on Dec. 31, 1994. American Banker, 1995.
