U.S. BANKER RANKINGS       

 Profitability Ranking of Commercial Banks Among the Second Hundred Largest Banking Companies
 Based on return on equity and growth in per-share earnings* — Fiscal 1996-2000
 FIVE YEAR

    5-Yr Av 5-Yr 5-Yr EPS 5-Yr 5-Yr
5-Yr   ROAE ROAE Gr Rate EPS Gr Total
Rank Company (%) Rank (%) Rank Score
1 Silicon Valley Bancshares, Santa Clara, CA 21.17 1 55.2 8 9
2 W Holding Co., Mayaguez, PR 20.52 4 27.6 11 15
3 Greater Bay Bancorp, Palo Alto, CA 16.67 11 35.0 10 21
4 Cathay Bancorp, Los Angeles 16.82 10 25.7 13 23
5 CVB Financial Corp., Ontario, CA 18.36 7 20.6 20 27
6 Westamerica Bancorp., San Rafael, CA 18.90 6 18.6 22 28
7 Pacific Capital Bancorp, Santa Barbara, CA 16.12 16 25.1 14 30
8 Irwin Financial Corp., Columbus, IN 21.10 3 13.9 28 31
9 Corus Bankshares, Chicago 16.62 13 21.4 18 31
10 Southwest Bancorporation of Texas, Houston 16.30 15 22.1 16 31
11 Texas Regional Bancshares, McAllen, TX 15.72 17 22.1 15 32
12 East West Bancorp, San Marino, CA 13.00 28 126.0 5 33
13 Chittenden Corp., Burlington, VT 12.72 33 480.5 1 34
14 UCBH Holdings, San Francisco 12.63 34 411.2 2 36
15 Community First Bankshares, Fargo, ND 16.66 12 15.3 25 37
16 Republic Bancorp, Owosso, MI 12.99 29 41.4 9 38
17 Park National Corp., Newark, OH 17.69 8 12.9 31 39
18 International Bancshares Corp., Laredo, TX 17.63 9 12.1 32 41
19 United National Bancorp, Bridgewater, NJ 13.68 25 21.9 17 42
20 Intrust Financial Corp., Wichita, KS 12.16 38 154.9 4 42
21 TrustCo Bank Corp of NY, Schenectady 20.41 5 10.0 38 43
22 First Republic Bank, San Francisco 11.58 41 161.4 3 44
23 First BanCorp,Santurce, PR 21.12 2 8.5 43 45
24 First Citizens Bancorp.of SC, Columbia 14.11 24 18.8 21 45
25 First Midwest Bancorp, Itasca, IL 15.01 19 13.9 27 46
26 S&T Bancorp, Indiana, PA 15.14 18 13.8 29 47
27 Alabama National BanCorp., Birmington, AL 14.70 21 15.0 26 47
28 Trust Company of New Jersey, Jersey City 14.39 23 15.7 24 47
29 Area Bancshares Corp., Owensboro, KY 12.48 36 26.2 12 48
30 1st Source Corp., South Bend, IN 14.96 20 12.9 30 50
31 Provident Bankshares Corp., Baltimore 12.79 32 16.4 23 55
32 National Penn Bancshares, Boyertown, PA 16.55 14 8.6 42 56
33 First Banks America, Clayton, MO 10.20 49 76.5 7 56
34 Community Trust Bancorp, Pikeville, KY 11.99 39 21.1 19 58
35 Wintrust Financial Corp., Lake Forest, IL 7.46 54 78.8 6 60
36 F.N.B. Corp., Naples, FL 12.99 30 11.9 34 64
37 First Financial Bancorp., Hamilton, OH 14.44 22 7.9 44 66
38 United Bankshares, Charleston, WV 13.37 27 9.0 41 68
39 BancFirst Corp., Oklahoma City 12.83 31 10.0 39 70
40 F&M National Corp., Winchester, VA 13.39 26 6.4 45 71
41 First Commonwealth Financial Corp., Indiana, PA 12.52 35 10.1 37 72
42 Integra Bank Corp., Evansville, IN 12.18 37 10.4 35 72
43 First Financial Corp., Terre Haute, IN 11.84 40 12.0 33 73
44 Susquehanna Bancshares, Lititz, PA 11.49 43 9.1 40 83
45 First Charter Corp., Concord, NC 7.54 53 10.3 36 89
46 Hancock Holding Co., Gulfport, MS 11.46 44 5.5 46 90
47 NBT Bancorp, Norwich, NY 11.51 42 0.4 50 92
48 Promistar Financial Corp., Johnstown, PA 10.98 47 1.6 48 95
49 Whitney Holding Corp., New Orleans 10.78 48 5.3 47 95
50 BSB Bancorp, Binghamton, NY 11.02 46 -9.5 52 98
51 Riggs National Corp., Washington 11.40 45 -20.7 54 99
52 WesBanco, Wheeling, WV 9.86 51 1.5 49 100
53 Gold Banc Corp., Leawood, KS 10.13 50 -7.0 51 101
54 South Financial Group, Greenville, SC 8.11 52 -13.4 53 105
55 City Holding Co., Charleston, WV 2.08 55 -153.8 56 111
56 Bay View Capital Corp., San Mateo, CA -6.64 56 -85.4 55 111

*After extraordinary items and on a fully diluted basis
Excludes companies for which no EPS was available in 1996, 1997, 1998 or 1999
Where score is equal, company with higher ROAE receives the superior ranking
Source: Raw data was supplied by SNL Securities

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