THRIFTS — 3-YEAR PROFITABILITY RANKING

 
 U.S. BANKER RANKINGS       
The Fourth Hundred Largest Community Banking Companies — Fiscal Years 1998-2000
Profitability Ranking Based on ROAE and Growth in Per-Share EarningsAssets: $492 Mil. to $374 Mil.
As of Dec. 31, 2000, except where otherwise noted

    3-Yr 3-Yr 3-Yr EPS 3-Yr EPS 3-Yr
3-Yr   ROAE ROAE Growth Growth TOTAL
RANK Company (%) RANK (%) RANK SCORE
1 Crusader Holding Corp., Philadelphia** 26.86 1 79.41 2 3
2 Argo Bancorp, Summit, IL 12.43 7 135.81 1 8
3 WVS Financial Corp., Pittsburgh** 13.24 5 20.11 6 11
4 Equitable Bank, Wheaton, MD*** 13.74 3 7.37 13 16
5 NorthWest Indiana Bancorp, Munster, IN 12.94 6 9.20 10 16
6 Northeast Bancorp, Auburm, ME** 10.37 12 29.87 4 16
7 Warren Bancorp, Peabody, MA 16.27 2 1.84 17 19
8 Harleysville Savings Financial Corp., Harleysville, PA*** 13.30 4 3.92 15 19
9 North Central Bancshares, Fort Dodge, IA 9.77 13 18.33 7 20
10 Industrial Bancorp, Bellevue, OH 9.61 14 10.15 9 23
11 MFB Corp., Mishawaka, IN*** 7.51 20 20.26 5 25
12 Monterey Bay Bancorp, Watsonville, CA 5.86 23 39.55 3 26
13 Winton Financial Corp., Cincinnati, OH*** 11.31 9 -0.25 20 29
14 Central Bancorp, Somerville* 8.21 17 7.86 12 29
15 Lawrence Savings Bank, North Andover, MA 11.86 8 -0.85 22 30
16 First Keystone Financial, Media, PA*** 10.76 11 0.09 19 30
17 FSF Financial Corp., Hutchinson, MN*** 7.07 22 15.19 8 30
18 Peoples Bancorp, Auburn, IN*** 9.39 16 3.01 16 32
19 Teche Holding Co., Franklin, LA*** 7.13 21 8.51 11 32
20 New Hampshire Thrift Bancshares, Newport, NH 10.91 10 -2.78 23 33
21 Pamrapo Bancorp, Bayonne, NJ 9.40 15 -0.41 21 36
22 Cooperative Bankshares, Wilmington, NC 7.70 18 1.33 18 36
23 Kankakee Bancorp, Kankakee, IL 5.81 24 5.17 14 38
24 Pittsburgh Financial Corp., Wexford, PA*** 7.55 19 -5.48 24 43
25 United PanAm Financial Corp., Newport Beach, CA -0.82 25 -81.43 26 51
26 Harrington Financial Group, Richmond, IN** -10.27 27 -68.15 25 52
27 Carver Bancorp, New York* -4.33 26 -95.61 27 53

* Fiscal year ended March 30, 2000
** Fiscal year ended June 30, 2000
*** Fiscal year ended Sept. 30, 2000
+ Diluted EPS after extraordinary items
Where total score is equal, company with the higher ROAE receives the superior rank.
Includes only those companies for which necessary ROAE and EPS data were available.
Source: Raw data from SNL Securities

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