| | | 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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