| TOP 100 BANKS RANKED FROM AN EQUITY PERSPECTIVE | | | Overall Rank | Company Name, Headquarters | Ticker | Asset Rank | Total Assets 1999 ($ Mil.) | Total Equity 1999 ($ Mil.) | Adj. Equity to Median ($ Mil.) | Difference | Equity/ Assets 1999 (%) | Equity Growth 1996-99 | Equity Growth Rank | Average ROAE 1996-99 (%) | Adjusted ROAE 1996-99? (%) | Adjusted ROAE Rank | Total Score | | 1 | Silicon Valley Bancshares, Santa Clara, CA | SIVB | 85 | 4,596.4 | 368.9 | 349.3 | 105.6% | 8.0 | 172.4% | 5 | 18.1 | 19.2 | 18 | 23 | | 2 | Firstar Corp., Milwaukee, WI | FSR | 15 | 72,787.8 | 6,308.6 | 5,531.9 | 114.0% | 8.7 | 637.8% | 1 | 16.1 | 18.4 | 23 | 24 | | 3 | National Commerce Bancorp., Memphis, TN | NCBC | 68 | 6,806.2 | 557.4 | 517.3 | 107.8% | 8.2 | 77.9% | 18 | 21.0 | 22.6 | 8 | 26 | | 4 | Provident Financial Group, Cincinnati, OH | PFGI | 49 | 10,537.9 | 926.2 | 800.9 | 115.7% | 8.8 | 80.3% | 17 | 17.8 | 20.6 | 10 | 27 | | 5 | Synovus Financial Corp., Columbus, GA | SNV | 42 | 12,547.0 | 1,226.7 | 953.6 | 128.6% | 9.8 | 56.5% | 25 | 19.4 | 25.0 | 2 | 27 | | 6 | W Holding Company, Mayaguez, PR | WBPR | 98 | 3,374.6 | 223.8 | 256.5 | 87.3% | 6.6 | 169.2% | 6 | 20.9 | 18.3 | 24 | 30 | | 7 | Zions Bancorp., Salt Lake City, UT | ZION | 34 | 20,280.9 | 1,659.8 | 1,541.3 | 107.7% | 8.2 | 191.7% | 4 | 16.1 | 17.3 | 34 | 38 | | 8 | U.S. Bancorp, Minneapolis, MN | USB | 12 | 81,530.0 | 7,638.0 | 6,196.3 | 123.3% | 9.4 | 32.5% | 42 | 20.0 | 24.7 | 4 | 46 | | 9 | Fleet Boston Financial Corp., Boston, MA | FBF | 8 | 190,692.0 | 15,307.0 | 14,492.6 | 105.6% | 8.0 | 106.4% | 12 | 16.4 | 17.3 | 35 | 47 | | 10 | Marshall & Ilsley Corp., Milwaukee, WI | MI | 31 | 24,369.7 | 2,116.9 | 1,852.1 | 114.3% | 8.7 | 67.8% | 21 | 15.7 | 18.0 | 26 | 47 | | 11 | Comerica Inc., Detroit, MI | CMA | 24 | 38,653.3 | 3,474.6 | 2,937.7 | 118.3% | 9.0 | 32.8% | 41 | 19.3 | 22.9 | 6 | 47 | | 12 | M&T Bank Corp., Buffalo, NY | MTB | 33 | 22,409.1 | 1,797.0 | 1,703.1 | 105.5% | 8.0 | 98.4% | 14 | 16.3 | 17.2 | 36 | 50 | | 13 | U.S. Trust Corp., New York, NY | UTC | 83 | 5,023.1 | 301.8 | 381.8 | 79.1% | 6.0 | 41.0% | 36 | 24.7 | 19.5 | 15 | 51 | | 14 | Bank One Corp., Chicago, IL | ONE | 4 | 269,425.0 | 20,090.0 | 20,476.3 | 98.1% | 7.5 | 103.6% | 13 | 16.5 | 16.2 | 41 | 54 | | 15 | Fifth Third Bancorp, Cincinnati, OH | FITB | 23 | 41,589.5 | 4,077.0 | 3,160.8 | 129.0% | 9.8 | 30.0% | 46 | 16.2 | 20.9 | 9 | 55 | | 16 | City National Corp., Beverly Hills, CA | CYN | 63 | 7,213.6 | 571.6 | 548.2 | 104.3% | 7.9 | 42.6% | 35 | 18.0 | 18.7 | 21 | 56 | | 17 | Northern Trust Corp., Chicago, IL | NTRS | 29 | 28,708.2 | 2,174.7 | 2,181.8 | 99.7% | 7.6 | 40.8% | 37 | 18.9 | 18.8 | 20 | 57 | | 18 | BancWest Corp., Honolulu, HI | BWE | 38 | 16,681.0 | 1,842.7 | 1,267.8 | 145.4% | 11.1 | 144.7% | 7 | 10.6 | 15.4 | 51 | 58 | | 19 | First BanCorp, Santurce, PR | FBP | 84 | 4,721.6 | 294.9 | 358.8 | 82.2% | 6.3 | 54.3% | 27 | 21.1 | 17.3 | 32 | 59 | | 20 | BB&T Corp., Winston-Salem, NC | BBT | 19 | 45,479.1 | 3,396.4 | 3,456.4 | 98.3% | 7.5 | 64.0% | 23 | 17.3 | 17.0 | 37 | 60 | | 21 | Valley National Bancorp, Wayne, NJ | VLY | 73 | 6,360.4 | 553.5 | 483.4 | 114.5% | 8.7 | 28.6% | 49 | 17.8 | 20.3 | 11 | 60 | | 22 | South Financial Group, Greenville, SC | TSFG | 96 | 3,561.9 | 409.8 | 270.7 | 151.4% | 11.5 | 290.4% | 2 | 9.4 | 14.3 | 62 | 64 | | 23 | Imperial Bancorp, Inglewood, CA | IMP | 67 | 6,856.7 | 473.4 | 521.1 | 90.8% | 6.9 | 65.3% | 22 | 17.8 | 16.2 | 42 | 64 | | 24 | First Tennessee National Corp., Memphis, TN | FTN | 36 | 18,373.4 | 1,241.5 | 1,396.4 | 88.9% | 6.8 | 30.1% | 45 | 21.5 | 19.1 | 19 | 64 | | 25 | National Bancorp of Alaska, Anchorage, AK | NBAK | 100 | 3,053.5 | 451.4 | 232.1 | 194.5% | 14.8 | 19.6% | 64 | 13.4 | 26.1 | 1 | 65 | | 26 | Centura Banks, Rocky Mount, NC | CBC | 46 | 11,386.7 | 859.7 | 865.4 | 99.3% | 7.6 | 80.9% | 16 | 15.5 | 15.4 | 50 | 66 | | 27 | Chittenden Corp., Burlington, VT | CHZ | 93 | 3,827.3 | 362.5 | 290.9 | 124.6% | 9.5 | 107.8% | 11 | 11.6 | 14.5 | 60 | 71 | | 28 | First Security Corp., Salt Lake City, UT | FSCO | 32 | 22,992.9 | 1,769.9 | 1,747.5 | 101.3% | 7.7 | 45.3% | 31 | 16.3 | 16.5 | 40 | 71 | | 29 | Fulton Financial Corp., Lancaster, PA | FULT | 75 | 6,070.0 | 614.3 | 461.3 | 133.2% | 10.1 | 22.8% | 57 | 14.8 | 19.7 | 14 | 71 | | 30 | Regions Financial Corp., Birmingham, AL | RGBK | 22 | 42,714.4 | 3,065.1 | 3,246.3 | 94.4% | 7.2 | 91.7% | 15 | 15.6 | 14.7 | 57 | 72 | | 31 | KeyCorp, Cleveland, OH | KEY | 11 | 83,395.0 | 6,389.0 | 6,338.0 | 100.8% | 7.7 | 30.9% | 44 | 17.5 | 17.7 | 28 | 72 | | 32 | TCF Financial Corp., Minneapolis, MN | TCB | 48 | 10,661.7 | 809.0 | 810.3 | 99.8% | 7.6 | 28.3% | 50 | 18.5 | 18.4 | 22 | 72 | | 33 | Mercantile Bankshares Corp., Baltimore, MD | MRBK | 62 | 7,895.0 | 974.0 | 600.0 | 162.3% | 12.3 | 16.5% | 71 | 15.2 | 24.7 | 3 | 74 | | 34 | Hibernia Corp., New Orleans, LA | HIB | 39 | 15,314.2 | 1,375.5 | 1,163.9 | 118.2% | 9.0 | 44.5% | 32 | 13.3 | 15.8 | 46 | 78 | | 35 | CCB Financial Corp., Durham, NC | CCB | 56 | 8,186.3 | 720.0 | 622.2 | 115.7% | 8.8 | 17.7% | 67 | 17.3 | 20.1 | 13 | 80 | | 36 | BancorpSouth, Tupelo, MS | BXS | 77 | 5,776.9 | 497.4 | 439.0 | 113.3% | 8.6 | 42.8% | 34 | 13.8 | 15.6 | 48 | 82 | | 37 | Wachovia Corp., Winston-Salem, NC | WB | 16 | 67,352.5 | 5,658.5 | 5,118.8 | 110.5% | 8.4 | 22.8% | 58 | 16.4 | 18.1 | 25 | 83 | | 38 | First Virginia Banks, Falls Church, VA | FVB | 53 | 9,451.8 | 1,030.5 | 718.3 | 143.5% | 10.9 | 18.3% | 66 | 13.5 | 19.3 | 17 | 83 | | 39 | BOK Financial Corp., Tulsa, OK | BOKF | 55 | 8,374.0 | 557.2 | 636.4 | 87.5% | 6.7 | 54.8% | 26 | 16.6 | 14.5 | 58 | 84 | | 40 | First Financial Bancorp., Hamilton, OH | FFBC | 91 | 3,940.7 | 372.5 | 299.5 | 124.4% | 9.5 | 23.4% | 55 | 14.2 | 17.7 | 29 | 84 | | 41 | SouthTrust Corp., Birmingham, AL | SOTR | 21 | 43,262.5 | 2,927.4 | 3,288.0 | 89.0% | 6.8 | 68.7% | 20 | 15.5 | 13.8 | 66 | 86 | | 42 | Trustmark Corp., Jackson, MS | TRMK | 69 | 6,743.4 | 655.8 | 512.5 | 128.0% | 9.7 | 25.1% | 53 | 13.6 | 17.3 | 33 | 86 | | 43 | FirstMerit Corp., Akron, OH | FMER | 50 | 10,115.5 | 833.6 | 768.8 | 108.4% | 8.2 | 59.2% | 24 | 12.9 | 14.0 | 64 | 88 | | 44 | AmSouth Bancorp., Birmingham, AL | ASO | 20 | 43,406.6 | 2,959.2 | 3,298.9 | 89.7% | 6.8 | 112.0% | 10 | 13.8 | 12.4 | 79 | 89 | | 45 | Citigroup, Inc., New York, NY | C | 1 | 716,937.0 | 49,686.0 | 54,487.2 | 91.2% | 6.9 | 29.3% | 47 | 17.7 | 16.1 | 43 | 90 | | 46 | First National of Nebraska, Omaha, NE | FINN | 54 | 8,560.4 | 650.5 | 650.6 | 100.0% | 7.6 | 33.3% | 40 | 15.3 | 15.3 | 52 | 92 | | 47 | Mellon Financial Corp., Pittsburgh, PA | MEL | 18 | 47,946.0 | 4,016.0 | 3,643.9 | 110.2% | 8.4 | 7.2% | 87 | 20.8 | 23.0 | 5 | 92 | | 48 | One Valley Bancorp, Charleston, WV | OV | 71 | 6,583.1 | 558.7 | 500.3 | 111.7% | 8.5 | 36.7% | 38 | 13.5 | 15.1 | 55 | 93 | | 49 | Commerce Bancshares, Kansas City, MO | CBSH | 45 | 11,400.9 | 1,079.8 | 866.5 | 124.6% | 9.5 | 16.8% | 69 | 14.4 | 17.9 | 27 | 96 | | 50 | Bank of New York Co., New York, NY | BK | 14 | 74,756.0 | 5,143.0 | 5,681.5 | 90.5% | 6.9 | 0.3% | 91 | 25.0 | 22.6 | 7 | 98 | | 51 | Bay View Capital Corp., San Mateo, CA | BVC | 72 | 6,498.7 | 631.2 | 493.9 | 127.8% | 9.7 | 215.5% | 3 | 6.4 | 8.2 | 96 | 99 | | 52 | Huntington Bancshares, Columbus, OH | HBAN | 28 | 29,037.0 | 2,182.4 | 2,206.8 | 98.9% | 7.5 | 22.2% | 60 | 16.7 | 16.5 | 39 | 99 | | 53 | Republic Bancorp, Owosso, MI | RBNC | 90 | 4,301.6 | 266.4 | 326.9 | 81.5% | 6.2 | 118.7% | 9 | 12.2 | 9.9 | 92 | 101 | | 54 | UnionBanCal Corp., San Francisco, CA | UB | 26 | 33,684.8 | 2,987.5 | 2,560.0 | 116.7% | 8.9 | 19.7% | 63 | 14.3 | 16.7 | 38 | 101 | | 55 | Wilmington Trust Corp., Wilmington, DE | WL | 64 | 7,201.9 | 498.2 | 547.3 | 91.0% | 6.9 | 7.2% | 86 | 21.4 | 19.4 | 16 | 102 | | 56 | PNC Financial Services Group, Pittsburgh, PA | PNC | 13 | 75,413.0 | 5,946.0 | 5,731.4 | 103.7% | 7.9 | 1.3% | 90 | 19.4 | 20.2 | 12 | 102 | | 57 | Commerce Bancorp, Cherry Hill, NJ | CBH | 70 | 6,635.8 | 356.8 | 504.3 | 70.7% | 5.4 | 74.9% | 19 | 16.6 | 11.8 | 84 | 103 | | 58 | Cullen/Frost Bankers, San Antonio, TX | CFR | 65 | 6,996.7 | 509.3 | 531.7 | 95.8% | 7.3 | 19.9% | 62 | 16.5 | 15.8 | 45 | 107 | | 59 | Republic Security Financial Corp., West Palm Beach, FL | RSFC | 99 | 3,192.2 | 200.7 | 242.6 | 82.7% | 6.3 | 129.8% | 8 | 5.8 | 4.8 | 100 | 108 | | 60 | Summit Bancorp, Princeton, NJ | SUB | 25 | 36,379.0 | 2,802.2 | 2,764.8 | 101.4% | 7.7 | 22.3% | 59 | 15.4 | 15.6 | 49 | 108 | | 61 | Community First Bankshares, Inc., Fargo, ND | CFBX | 74 | 6,302.2 | 407.3 | 479.0 | 85.0% | 6.5 | 35.9% | 39 | 15.8 | 13.5 | 70 | 109 | | 62 | State Street Corp., Boston, MA | STT | 17 | 60,896.0 | 2,652.0 | 4,628.1 | 57.3% | 4.4 | 49.4% | 29 | 21.0 | 12.0 | 81 | 110 | | 63 | Compass Bancshares, Inc., Birmingham, AL | CBSS | 37 | 18,150.8 | 1,196.2 | 1,379.5 | 86.7% | 6.6 | 25.6% | 52 | 16.7 | 14.5 | 59 | 111 | | 64 | Wells Fargo & Co., San Francisco, CA | WFC | 7 | 218,102.0 | 22,131.0 | 16,575.8 | 133.5% | 10.2 | 10.4% | 82 | 13.1 | 17.5 | 30 | 112 | | 65 | Sky Financial Group Inc., Bowling Green, OH | SKYF | 59 | 8,063.8 | 566.3 | 612.8 | 92.4% | 7.0 | 50.1% | 28 | 12.4 | 11.5 | 86 | 114 | | 66 | International Bancshares Corp., Laredo, TX | IBOC | 80 | 5,421.8 | 353.4 | 412.1 | 85.8% | 6.5 | 24.6% | 54 | 16.8 | 14.4 | 61 | 115 | | 67 | Colonial BancGroup, Montgomery, AL | CNB | 47 | 10,854.1 | 695.2 | 824.9 | 84.3% | 6.4 | 43.7% | 33 | 14.1 | 11.9 | 83 | 116 | | 68 | Popular, Inc., San Juan, PR | BPOP | 30 | 25,460.5 | 1,661.0 | 1,935.0 | 85.8% | 6.5 | 31.6% | 43 | 15.2 | 13.0 | 73 | 116 | | 69 | First Union Corp., Charlotte, NC | FTU | 6 | 253,024.0 | 16,709.0 | 19,229.8 | 86.9% | 6.6 | 14.2% | 74 | 18.4 | 16.0 | 44 | 118 | | 70 | F.N.B. Corp., Hermitage, PA | FBAN | 94 | 3,706.2 | 290.3 | 281.7 | 103.1% | 7.8 | 28.7% | 48 | 12.7 | 13.1 | 72 | 120 | | 71 | Susquehanna Bancshares, Lititz, PA | SUSQ | 89 | 4,310.6 | 404.4 | 327.6 | 123.4% | 9.4 | 23.2% | 56 | 11.2 | 13.8 | 65 | 121 | | 72 | Old National Bancorp, Evansville, IN | OLDB | 58 | 8,086.0 | 585.0 | 614.5 | 95.2% | 7.2 | 27.6% | 51 | 13.5 | 12.8 | 74 | 125 | | 73 | First Republic Bank, San Francisco, CA | FRC | 95 | 3,598.7 | 185.2 | 273.5 | 67.7% | 5.2 | 46.5% | 30 | 11.6 | 7.8 | 97 | 127 | | 74 | Westamerica Bancorp., San Rafael, CA | WABC | 92 | 3,893.2 | 300.6 | 295.9 | 101.6% | 7.7 | -20.7% | 100 | 17.2 | 17.5 | 31 | 131 | | 75 | SunTrust Banks, Atlanta, GA | STI | 9 | 95,390.0 | 7,626.9 | 7,249.6 | 105.2% | 8.0 | 13.6% | 77 | 14.0 | 14.7 | 56 | 133 | | 76 | Bank of America Corp., Charlotte, NC | BAC | 2 | 632,574.0 | 44,432.0 | 48,075.6 | 92.4% | 7.0 | 17.6% | 68 | 14.8 | 13.7 | 67 | 135 | | 77 | Whitney Holding Corp., New Orleans, LA | WTNY | 79 | 5,454.4 | 557.1 | 414.5 | 134.4% | 10.2 | 15.3% | 72 | 10.6 | 14.2 | 63 | 135 | | 78 | Old Kent Financial Corp., Grand Rapids, MI | OK | 35 | 18,939.4 | 1,298.4 | 1,439.4 | 90.2% | 6.9 | 10.0% | 83 | 17.0 | 15.3 | 53 | 136 | | 79 | National City Corp., Cleveland, MI | NCC | 10 | 87,121.5 | 5,727.7 | 6,621.2 | 86.5% | 6.6 | -7.9% | 95 | 18.2 | 15.7 | 47 | 142 | | 80 | Santander BanCorp, Hato Rey, PR | SBP | 60 | 8,038.4 | 546.6 | 610.9 | 89.5% | 6.8 | 21.3% | 61 | 13.4 | 12.0 | 82 | 143 | | 81 | North Fork Bancorp., Melville, NY | NFB | 44 | 12,108.1 | 618.7 | 920.2 | 67.2% | 5.1 | 1.5% | 89 | 22.4 | 15.1 | 54 | 143 | | 82 | Banknorth Group, Burlington, VT | BKNG | 86 | 4,588.7 | 341.3 | 348.7 | 97.9% | 7.4 | 16.8% | 70 | 13.1 | 12.8 | 75 | 145 | | 83 | Associated Banc-Corp, Green Bay, WI | ASBC | 43 | 12,519.9 | 909.8 | 951.5 | 95.6% | 7.3 | 13.2% | 78 | 14.1 | 13.5 | 69 | 147 | | 84 | Chase Manhattan Corp., New York, NY | CMB | 3 | 406,105.0 | 23,617.0 | 30,864.0 | 76.5% | 5.8 | 12.5% | 79 | 17.5 | 13.4 | 71 | 150 | | 85 | First Citizens BancShares, Raleigh, NC | FCNCA | 51 | 9,717.1 | 728.8 | 738.5 | 98.7% | 7.5 | 18.4% | 65 | 11.4 | 11.2 | 87 | 152 | | 86 | United Bankshares, Charleston, WV | UBSI | 82 | 5,069.2 | 395.9 | 385.3 | 102.8% | 7.8 | 9.1% | 84 | 13.1 | 13.5 | 68 | 152 | | 87 | Pacific Century Financial Corp., Honolulu, HI | BOH | 40 | 14,440.3 | 1,212.3 | 1,097.5 | 110.5% | 8.4 | 13.7% | 76 | 11.3 | 12.5 | 78 | 154 | | 88 | Union Planters Corp., Memphis, TN | UPC | 27 | 33,280.4 | 2,776.1 | 2,529.3 | 109.8% | 8.3 | 8.6% | 85 | 11.5 | 12.6 | 77 | 162 | | 89 | AMCORE Financial, Rockford, IL | AMFI | 87 | 4,347.6 | 293.7 | 330.4 | 88.9% | 6.8 | 14.1% | 75 | 12.4 | 11.0 | 88 | 163 | | 90 | Citizens Banking Corp., Flint, MI | CBCF | 61 | 7,899.4 | 633.7 | 600.4 | 105.5% | 8.0 | 12.1% | 81 | 11.0 | 11.6 | 85 | 166 | | 91 | Provident Bankshares Corp., Maryland, MD | PBKS | 81 | 5,094.5 | 274.6 | 387.2 | 70.9% | 5.4 | 15.0% | 73 | 12.5 | 8.9 | 95 | 168 | | 92 | UMB Financial Corp., Kansas City, MO | UMBF | 57 | 8,131.3 | 655.0 | 618.0 | 106.0% | 8.1 | 12.4% | 80 | 9.6 | 10.2 | 91 | 171 | | 93 | Keystone Financial, Harrisburg, PA | KSTN | 66 | 6,887.5 | 550.0 | 523.5 | 105.1% | 8.0 | -16.7% | 98 | 12.1 | 12.7 | 76 | 174 | | 94 | First Midwest Bancorp, Itasca, IL | FMBI | 78 | 5,511.6 | 369.3 | 418.9 | 88.2% | 6.7 | -11.7% | 96 | 14.0 | 12.3 | 80 | 176 | | 95 | Peoples Heritage Financial Group, Portland, ME | BKNG | 41 | 13,919.5 | 851.0 | 1,057.9 | 80.4% | 6.1 | 6.9% | 88 | 13.6 | 11.0 | 89 | 177 | | 96 | First Commonwealth Financial Corp., Indiana, PA | FCF | 88 | 4,340.8 | 286.7 | 329.9 | 86.9% | 6.6 | -16.1% | 97 | 11.7 | 10.2 | 90 | 187 | | 97 | Trust Company of New Jersey, Jersey City, NJ | TCNJ | 97 | 3,433.5 | 164.0 | 260.9 | 62.9% | 4.8 | -6.4% | 94 | 14.9 | 9.4 | 94 | 188 | | 98 | J.P. Morgan & Co., New York, NY | JPM | 5 | 260,898.0 | 11,439.0 | 19,828.2 | 57.7% | 4.4 | 0.1% | 92 | 13.3 | 7.7 | 98 | 190 | | 99 | Hudson United Bancorp, Mahwah, NJ | HU | 52 | 9,686.3 | 519.2 | 736.2 | 70.5% | 5.4 | -2.7% | 93 | 9.2 | 6.5 | 99 | 192 | | 100 | Riggs National Corp., Washington, DC | RIGS | 76 | 5,830.1 | 337.7 | 443.1 | 76.2% | 5.8 | -20.7% | 99 | 12.7 | 9.7 | 93 | 192 | | Notes: In the case of tied scores, companies with higher equity growth were ranked higher. Source: Raw data provided by SNL Securities LLC, Charlottesville, VA. Calculations and ranking by U.S. Banker. | | | |