201 15.38 222 MBVT 126 269 1.71 1.54 BFOH 144 318 1.70 Bank 340 8.5% 42 LKFN 13.91 0.62 397 62 175 415 53 MAB STYB 11.2% CHMG Bank FMCO 0.66 10.40 FFYF 138 147 96 6.93 GABC

< TD class="data">47

< TD class="data" bgcolor="#99ccff">33

< TD class="data" bgcolor="#99ccff">177

< TD class="data" bgcolor="#99ccff">235

< TD class="data">7.4%

< TD class="data" bgcolor="#99ccff">0.98

< TD class="data">31

< /TR>

< TD class="data">6

< TD class="data" bgcolor="#99ccff">135

< TD class="data" bgcolor="#99ccff">271

< TD class="data">69

< TD class="data">9.6%

< TD class="data" bgcolor="#99ccff">14

< TD class="data" bgcolor="#99ccff">150

< TD class="data" bgcolor="#99ccff">STSA

< TD class="data" bgcolor="#99ccff">1.10

< TD class="data" bgcolor="#99ccff">377

< TD class="data" bgcolor="#99ccff">1.06

< /TR>

< TD class="data">Thrift

< /TR>

< TD class="data">Thrift

< TD class="data">-3.5%

< TD class="data" bgcolor="#99ccff">441

< /TR>

< TD class="data">8.3%

< TD class="data">23.7%

< TD class="data">112

< TD class="data">11.66

< TD class="data">84

< TD class="data" bgcolor="#99ccff">146

< TD class="data" bgcolor="#99ccff">17

< TD class="data">11.30

< TD class="data">123

< TD class="data" bgcolor="#99ccff">CAFI

< TD class="data" bgcolor="#99ccff">1.56

< TD class="data">145

< TD class="data" bgcolor="#99ccff">157

< TD class="data" bgcolor="#99ccff">191

< TD class="data">-4.2%

U.S. Second-100 Top Banks

Overall
Rank

Company Name, Headquarters

Ticker

Industry

Total Asse ts
1999
($ million)

Asset
Rank
Total Equity
1999
($ million)

Equity/Assets
1999 (%)

1999 (%)

1998 (%)

1997 (%)

< BR>Rank
1999

Avg. '97-
'99 (%)

3-Year Rank

1999 ($)

1998 ($)

1997 ($)

1996 ($)

1999
Growth
(%)
1999
Growth
Rank

3-Year
CAGR (%)
3-Year
CAGR
Rank

Total
Score
1 Greater Bay Bancorp, Palo Alto, CA GBBK Bank 2,625 2 161 6 .12 21.09 19.73 15.76 8 18.86 14 2.17 1.62 1.17 0.67 34.0% 27 48.0 10 59
2 Highland Bancorp, Burbank, CA HBNK Thr ift 655 197 48 7.36 21.76 19.72 15.17 5 18.88 13 2.25 1.80 1.29 0.15 25.0% 43 146.6 1 62
3 People's Bancshares, New Bedford, MA PBKB Thrift 1, 071 115 41 3.81 24.82 23.33 16.65 1 21.60 1 2.77 2.30 1.47 1.09 20.4% 58 36.5 17 77
4 Matrix Bancorp, Denver, CO MTXC Thrift 1,284 84 60 4.71 1 9.79 18.92 22.71 13 20.47 4 1.58 1.24 1.20 0.68 27.4% 37 32.4 23 77
5 Oriental Financial Group, Hato Rey, PR OFG Bank 1,5 87 60 124 7.81 23.80 21.23 18.92 2 21.32 3 1.97 1.57 1.21 1.06 25.5% 42 22.9 35 82
6 Investors Financial Services Corp., Boston IFIN Bank 2,553 5 137 5.36 17.93 18.48 18.47 24 18.29 18 1.43 1.09 0.93 0 .60 31.2% 28 33.6 21 91
7 Queens County Bancorp, Flushing, NY QCSB Thrift 1,9 07 36 137 7.19 22.99 17.32 12.95 3 17.75 23 1.67 1.34 1.07 0.85 24.6% 45 25.2 30 101
8 CCBT Financial Companies, Hyannis, MA CCBT Bank 1,231 93 86 6.96 19.56 15.78 18.68 14 18.01 20 1.85 1.38 1.46 1.05 34.1% 26 20.8 46 106
9 Southside Bancshares, Tyler, TX SBSI Bank 1,013 127 38 3.7 2 18.99 13.35 13.57 18 15.30 46 2.10 1.39 1.30 1.10 51.1% 16 24.1 32 112
10 UNB Corp., Canton, OH UNBO Bank 971 140 71 7.28 19.95 14.19 12.20 12 15.45 43 1.28 0.94 0.76 0.69 36.2% 24 22.9 36 115
11 East West Bancorp, San Marino, CA EWBC Bank 2,151< /TD> 21 150 6.98 18.96 12.83 8.91 19 13.57 90 1.22 0.76 0.46 0.13 60.5% 12 110.9 4 125
12 GBC Bancorp, Los Angeles GBCB Bank 1,744 43 133 7.63 20. 48 17.59 20.03 9 19.37 10 2.37 1.96 1.87 1.39 20.9% 55 19.5 53 127
13 Cathay Bancorp, Los Angeles CATY Bank 1,996 28 179 8.97 18.31 17.00 15.63 22 16.98 28 3.36 2.74 2.26 1.66 22.6% 50 26.5 29 129
14 S.Y. Bancorp, Louisville, KY SYI Bank 690 189 50 7.29 20 .20 20.20 19.12 10 19.84 7 1.41 1.21 0.96 0.77 16.5% 78 22.3 39 134
15 First Federal Capital Corp., La Crosse, WI FTFC Thrift 2,085 24 127 6.11 17.63 16.59 17.20 28 17.14 27 1.17 0.98 0.88 0.50 1 9.4% 64 32.8 22 141
16 Coastal Financial Corp., Myrtle Beach, SC CFCP Thrift 713 180 41 5.78 19.30 19.52 19.36 16 19.39 8 1.02 0.90 0.77 0 .50 13.3% 91 26.8 28 143
17 Progress Financial Corp., Blue Bell, PA PFNC Thrift 766 169 48 6.25 15.47 13.76 15.22 54 14.82 60 1.15 0.90 0.71 0.30 27.8%< /TD> 34 56.5 7 155
18 WSFS Financial Corp., Wilmington, DE WSFS Thrift 1,754 41 96 5.48 22.15 17.68 20.25 4 20.03 5 1.73 1.44 1.29 1.16 20.1% 60 14.3 88 157
19 Hanmi Bank, Los Angeles HNBK Bank 740 174 68 9.16 18.92 17.26 18 .47 20 18.22 19 1.62 1.30 1.14 1.05 24.6% 46 15.6 73 158
20 Intrust Financial Corp., Wichita, KS IFNC Bank 2,338 12 154 6.58 16.39 14.90 13.08 41 14.79 62 9.48 7.90 6.74 0.74< /TD> 20.0% 61 134.0 3 16 7
 

Overall
Rank

Company Name, Headquarters

Ticker

Industry

Total Asse ts
1999
($ million)

Asset
Rank
Total Equity
1999
($ million)

Equity/Assets
1999 (%)

1999 (%)

1998 (%)

1997 (%)

< BR>Rank
1999

Avg. '97-
'99 (%)

3-Year Rank

1999 ($)

1998 ($)

1997 ($)

1996 ($)

1999
Growth
(%)
1999
Growth
Rank

3-Year
CAGR (%)
3-Year
CAGR
Rank

Total
Score
21 U.S.B. Holding Co., Orangeburg, NY UBH Bank 1,646< /TD> 53 96 5 .86 17.14 13.20 14.41 33 14.92 56 0.96 0.69 0.66 0.59 39.1% 21 17.6 64 174
22 Frontier Financial Corp., Everett, WA FTBK Bank 1,246 91 147 11.83 18.43 18.27 18.84 21 18.51 16 1.46 1.23 1.07 0.9 3 18.7% 72 16.2 70 179
23 Mississippi Valley Bancshares, St. Louis, M O MVBI Bank 1,561 63 113 7.21 19.26 18.09 17.77 17 18.37 17 2.25 1.91 1.55 1.46 1 7.8% 74 15.5 76 184
24 Texas Regional Bancshares, McAllen, TX TRBS Bank 2,121 22 188 8.87 16.82 13.11 15.15 37 15.03 49 2.11 1.54 1.58 1.3 8 37.0% 23 15.2 80 189
25 State Bancorp, New Hyde Park, NY STB Bank 950 142 56 5.91 17.10 13.97 13.51 35 14.86 59 1.46 1.17 1.03 0.89 24.8% 44 17.9 63
26 Merchants New York Bancorp, New York MBNY Bank 1,395 72 99 7.11 17.32 14.34 13.82 31 15.160.98 0.81 0.73 0.63 21.0% 54 15.9 72 204
27 Irwin Financial Corp., Columbus, IN IRWN Bank 1,68 1 50 159 9.48 21.51 22.84 19.80 6 21.38 2 1.51 1.38 1.08 0.98 9.4% 119 15.5 77 204
28 Bank of the Ozarks, Little Rock, AR OZRK Bank 796 164 44 5.51 15.80 14.83 17.21 49 15.95 38 1.75 1.47 1.38 1.05 19.0% 68 18.6 59 214
29 Sterling Bancshares, Houston SBIB Bank 1,959135 6.87< /TD> 16.78 17.22 16.86 38 16.95 30 0.81 0.70 0.59 0.52 15.7% 81 15.9 71 220
30 First Financial Holdings, Charleston, SC FFCH Thrift 2,071 25 126 6.08 13.97 13.94 56 14.4 3 70 1.40 1.20 1.07 0.56 16.7% 77 35.7 18 221
31 Centennial Bancorp, Eugene, OR CEBC Bank 72774 10.23 17.44 20.16 20.25 30 19.28 11 0.60 0.56 0.46 0.35 7.1% 132 19.7 49
32 Alabama National BanCorp., Birmingham, AL ALAB Bank 1,922 35 138 7.19 16.28 13.81 12.73 44 14.27 73 1.98 1.55 1.28 1.30 27.7% 35 15.1 82 234
33 Park National Corp., Newark, OH PRK Bank 2,634 1 240 9.09 19.43 18.35 18.21 15 18.66 15 4.67 4.22 3.81 3.22 10.7% 110 13.2 95
34 CVB Financial Corp., Ontario, CA CVB Bank 2,011 27 141 7.00 17.90 18.06 17.81 27 17.92 21 1.02 0.95 0.82 0.63130 17.4 67 245
35 Yardville National Bancorp, Mercerville, NJ YANB Bank 1,124 106 59 5.24 15.34 13.96 13.32 58 14.21 74 1.33 1.100.80 20 .9% 56 18.5 60 248
36 Area Banshares Corp., Owensboro, KY AREA Bank 2,341 11 267 11.41 14.40 10.62 11.32 78 12.11 117 2.24 1.42 1.33 1.26 57.7% 14 21.1 43 2 52
37 Merchants Bancshares, Burlington, VT Bank 701 186 65 9.23 16.72 17.46 17.98 39 17.39 26 2.39 2.21 1.99 1.45 8.1% 18.1 61 252
38 Independent Bank Corp., Rockland, MA INDB Bank 1,590 59 98 6.17 17.57 16.71 16.45 29 16.911.19 1.08 0.95 0.79 10.2% 113 14.6 86 25 9
39 Midwest Banc Holdings, Melrose Park, IL MBHI Bank 1,256 87 68 5.39 16.39 14.60 18.36 42 16.45 35 1.07 0.94 0.85 0.73 13.8% 90 13.6 92 259
40 NASB Financial, Grandview, MO NASB Th rift 826 159 79 9.55 17.15 20.86 20.13 32 19.38 9 1.40 1.48 1.19 0.82 -5.4% 170 19.5 51 262
 

Overall
Rank

Company Name, Headquarters

Ticker

Industry

Total Asse ts
1999
($ million)

Asset
Rank
Total Equity
1999
($ million)

Equity/Assets
1999 (%)

1999 (%)

1998 (%)

1997 (%)

< BR>Rank
1999

Avg. '97-
'99 (%)

3-Year Rank

1999 ($)

1998 ($)

1997 ($)

1996 ($)

1999
Growth
(%)
1999
Growth
Rank

3-Year
CAGR (%)
3-Year
CAGR
Rank

Total
Score
41 First Banks America, Clayton, MO FBA Bank 921 147 72 7.87 13.66 8.10 8.90 90 10.22 160 1.66 0.90 0.86 0.40 84.4% 7 60.7 6 263
42 TrustCo Bank Corp of NY, Schenectady TRST Bank 2,364 10 166 7.04 21.27 19.44 19.24 7 19.980.68 0.63 0.58 0.52 7.9% 127 9.4 125 265< /TD>
43 Community Banks, Millersburg, PA CTY Bank 972 139 71 7.31 15.41 13.04 11.49 55 13.31 95 1.62 1.36 1.08 0.95 19.1% 67 19.5 52
44 Capital Holdings, Sylvania, OH CLHD B ank 989 133 86 8.71 15.33 14.52 15.22 59 15.02 50 1.50 1.30 1.14 0.98 15.4% 83 15.2 79 271
45 Suffolk Bancorp, Riverhead, NY SUBK Bank 98177 7.88< /TD> 17.91 17.66 16.96 25 17.51 24 2.16 1.95 1.79 1.60 10.8% 108 10.5 114
46 Harleysville National Corp., Harleysville, PA HNBC Bank 1,636 54 130 7.93 17.10 16.12 16.05 34 1 6.42 36 2.82 2.54 2.27 1.96 11.0% 107 12.9 98 275
47 First Community Bancshares, Bluefield, VA FCBC Bank 1,088 112 103 9.51 16.23 13.02 16.05 45 15.10 48 1.92 1.49 1.58 28. 9% 33 6.7 150 276
48 S&T Bancorp, Indiana, PA STBA Bank 2,194 19 240 10.92 16 .50 14.80 13.71 40 15.00 51 1.51 1.35 1.17 1.00 11.9% 102 14.7 84 277
49 TriCo Bancshares, Chico, CA TCBK Bank 925 145 73 7.91 15.59 12.80 9.34 50 12.58 108 1.56 1.21 0.81 1.04 28.9% 32 14.5 87 277
50 West Coast Bancorp, Lake Oswego, OR WCBO Bank 1,355 80 117 8.62 14.86 12.97 15.75 69 14.531.10 0.87 0.92 0.77 26.4% 39 12.6 101 27 8
51 Great Southern Bancorp, Springfield, MO GSBC Bank 965 141 69 7.14 20.00 22.49 15.02 11 19.17 12 1.76 1.76 1.10 1.23 0.0% 160 12.7 1 00 283
52 Interchange Finl. Services Corp., Saddle Brook, NJ IFC Bank 706 183 58 8.25 15.52 14.53 14.95 52 15.00 52 1.36 1.19 1.10 0.94 14.3% 87 13.1 96 287
53 PennRock Finl. Services Corp., Blue Ball, P A PRFS Bank 842 155 59 7.03 16.39 14.86 13.72 43 14.99 54 1.79 1.59 1.25 12. 6% 95 12.7 99 291
54 Mid-State Bancshares, Arroyo Grande, CA MDST Bank 1,355 79 160 11.83 14.19 15.35 16.67 83 15.40< /TD> 44 1.94 1.88 1.76 0 .79 3.2% 146 34.9 19 292
55 BancFirst Ohio Corp., Zanesville, OH Bank 1,2 74 85 80 6.29 14.29 11.55 13.20 79 13.01 102 1.58 1.33 1.35 0.89 18.8% 70 21.1 44 295
56 Sterling Bancorp, New York STL Bank 1,219 96 105 8.63 14 .23 13.24 13.20 81 13.56 91 1.64 1.40 1.21 0.96 17.1% 75 19.5 50 297
57 Century Bancorp, Medford, MA CNBKA Bank 926 60 6.51 14.78 14.11 13.56 73 14.15 75 1.56 1.39 1.17 0.93 12.2% 97 18.8 55 300
58 Sandy Spring Bancorp, Olney, MD SASR Bank 1,591 58 109 6.83 15.91 15.02 13.25 48 14.73 64 1.82 1.66 1.34 1.18116 15.5 75 303
59 UCBH Holdings, San Francisco UCBH Bank 2,285110 4.82< /TD> 18.00 12.52 12.33 23 14.28 72 2.01 1.26 1.05 -0.05 59.5% 13 -442.6 200 308
60 Anchor Financial Corp., Myrtle Beach, SC AFSC Bank 1,207 98 91 7.52 14.69 11.70 15.15 74 13.85 86 1.61 1.23 1.38 1. 21 30.9% 29 10.0 120 309
 

Overall
Rank

Company Name, Headquarters

Ticker

Industry

Total Asse ts
1999
($ million)

Asset
Rank
Total Equity
1999
($ million)

Equity/Assets
1999 (%)

1999 (%)

1998 (%)

1997 (%)

< BR>Rank
1999

Avg. '97-
'99 (%)

3-Year Rank

1999 ($)

1998 ($)

1997 ($)

1996 ($)

1999
Growth
(%)
1999
Growth
Rank

3-Year
CAGR (%)
3-Year
CAGR
Rank

Total
Score
61 ITLA Capital Corp., La Jolla, CA ITLA Thrift 1,116 109 124 11.09 14.23 13.95 13.23 82 13.80 87 2.21 1.89 1.57 1.36 16.9% 76 17.6 65 310
62 Drovers Bancshares Corp., York, PA DROV Bank 720 179 51 7.11 15.15 14.69 13.88 63 14.57 67 1.52 1.36 1.14 0.99 11.8% 103 15.4 78 311
63 First Indiana Corp., Indianapolis FISB Thrift 1,98 0 31 177 8.95 13.37 11.96 12.16 98 12.50 110 1.77 1.44 1.36 1.06 22.9% 48 18.6 57 313
64 First Oak Brook Bancshares, Oak Brook, IL FOBB Bank 1,146 103 80 6.98 13.30 12.74 21.72 101 15.9 2 39 1.57 1.39 2.03 1.03 12.9% 92 15.1 81 313
65 Glacier Bancorp, Kalispell, MT GBCI Bank 88479 8.91< /TD> 15.55 16.64 16.48 51 16.22 37 1.15 1.05 1.01 0.85 9.5% 117 10.6 113
66 Univest Corp. of Pennsylvania, Souderton, PA UVSP Bank 1,121 107 103 9.17 15.38 13.84 13.02 57 1 4.08 77 2.08 1.82 1.61 1.47 14.3% 88 12.3 103 325
67 Community Bank System, DeWitt, NY CBU Bank 1,841 40 108 5 .89 15.22 13.01 14.06 61 14.10 76 2.42 2.03 2.02 1.83 19.2% 66 9.8 122 325
68 MetroCorp Bancshares, Houston MCBI Ba nk 661 194 53 7.96 13.45 18.00 14.69 96 15.38 45 1.00 1.06 0.74 0.37 -5.7% 171 39.3 14 326
69 Second Bancorp, Warren, OH SECD Bank 1,537 65 116 7.57 13.33 4.44 11.80 100 9.86 164 1.51 0.52 1.25 0.92 190.4% 4 18.0 62 330
70 National Penn Bancshares, Boyerton, PA NPBC Bank 2,242 16 148 6.59 17.90 16.37 15.89 26 16.72 32 1.52 1.45 1.30 1.1 9 4.8% 140 8.5 133 331
71 Sterling Financial Corp., Spokane, WAThrift 2,547 6 118 4.62 10.68 5.42 11.06 153 9.05 173 1.57 0.76 1.25 0.11 106.6%< /TD> 6 142.6 2 334
72 Quaker City Bancorp, Whittier, CA QCBC Thrift 1,013 125 81 8.02 12.10 8.96 4.11 125 8.39 180 1.69 1.14 0.49 0.59 48.2% 18 42.0 13 336< /TD>
73 American Bank of Connecticut, Waterbury, CT BKC Thrift 763 170 58 7.55 16.07 18.98 15.85 47 16.97 29 2.10 2.24 1.42 -6. 3% 172 13.9 90 338
74 Seacoast Banking Corp. of Florida, Stuart, FL SBCFA 1,081 113 77 7.13 14.64 11.64 9.17 76 1 1.82 126 2.40 1.84 1.42 1.71 30.4% 30 12.0 106 338
75 American Bancorp., Wheeling, WV AMBC Bank 711 181 28 3.96 16.19 14.64 14.15 46 14.99 53 1.71 1.66 1.44 1.17 3.0% 148 13.5 93
76 Baylake Corp., Sturgeon, WI BYLK Bank 646 200 46 7.15 15 .07 13.87 13.14 66 14.03 81 0.90 0.80 0.72 0.64 12.5% 96 12.0 104 347
77 Columbia Banking System, Tacoma, WA COLB Bank 1,23 7 92 99 8.02 12.32 12.05 14.41 121 12.93 104 0.98 0.85 0.79 0.54 15.3% 84 22.0 41 350
78 Hills Bancorp., Hills, IA HBIA Bank 774 167 60 7.79 14.5 4 13.87 14.62 77 14.34 71 5.66 5.02 4.78 4.15 12.7% 93 10.9 109 350
79 Ottawa Financial Corp., Holland, MI OFCP Thrift 1, 017 123 78 7.65 12.41 11.49 9.93 119 11.28 139 1.51 1.31 1.11 0.45 15.3% 85 49.7 9 352
80 Andover Bancorp, Andover, MA ANDB Thr ift 1,491 68 130 8.74 15.05 15.64 13.24 67 14.64 65 2.82 2.60 1.99 1.95 123 13.1 97 352
 

Overall
Rank

Company Name, Headquarters

Ticker

Industry

Total Asse ts
1999
($ million)

Asset
Rank
Total Equity
1999
($ million)

Equity/Assets
1999 (%)

1999 (%)

1998 (%)

1997 (%)

< BR>Rank
1999

Avg. '97-
'99 (%)

3-Year Rank

1999 ($)

1998 ($)

1997 ($)

1996 ($)

1999
Growth
(%)
1999
Growth
Rank

3-Year
CAGR (%)
3-Year
CAGR
Rank

Total
Score
81 St. Francis Capital Corp., Brookfield, WI STFR Thrift 2,473 7 132 5.32 13.12 11.29 9.17 108 11.19 142 1.70 1.430.91 18 .9% 69 23.2 34 353
82 Republic Bancorp, Louisville, KY RBCAA Bank 1,369 75 104 7.58 11.90 15.82 18.81 130 15.51 0.71 0.83 0.79 0.16 -14.5% 183 64.3 5 360
83 Arrow Financial Corp., Glens Falls, NY AROW Bank 1 ,001 130 72 7.22 17.02 15.51 15.19 36 15.91 40 1.66 1.48 1.35 2.36 12.2% 98 -11.1 192 366
84 Peoples Holding Co., Tupelo, MS PHC B ank 1,163 102 116 9.98 13.19 11.08 11.25 103 11.84 125 2.38 1.94 1.82 1.62 22.7% 49 13.7 91 368
85 Lakeland Financial Corp., Warsaw, IN Bank 1,0 40 119 54 5.21 15.08 15.57 16.81 65 15.82 41 1.43 1.36 1.30 1.11 5.1% 137 8.8 129 372
86 Shoreline Financial Corp., Benton Harbor, MI SLFC Bank 1,013 126 80 7.88 15.20 14.46 15.08 62 14 .91 57 1.15 1.07 0.99 0.88 7.5% 129 9.3 126 374
87 Fidelity Bankshares, West Palm Beach, FL FFFL Thrift 1,719 48 83 4.85 11.04 8.33 7.62 147 9.00 175 1.40 1.10 0.95 0.53 27.3% 38 38.2 15 375
88 First Financial Bankshares, Abilene, TX FFIN Bank 1,723 45 179 10.37 14.84 14.51 14.37 71 14.57< /TD> 66 2.57 2.33 2.11 1 .97 10.3% 112 9.3 127 376
89 First Busey Corp., Urbana, IL BUSE Bank 1,247 90 82 6.60< /TD> 14.68 14.02 13.42 75 14.04 80 0.90 0.81 0.74 0.67 11.1% 106 10.3 116
90 PAB Bankshares, Valdosta, GA PAB Bank 665 193 70 10.47 1 2.81 13.69 13.81 112 13.44 94 0.89 0.78 0.72 0.59 14.1% 89 14.7 85 380
91 Flushing Financial Corp., Flushing, NY FFIC Thrift 1,250 89 118 9.46 10.31 7.51 6.41 160 8.08 181 1.37 0.98 0.79 0.57 39.8%< /TD> 20 34.0 20 381
92 Premier National Bancorp, Lagrangeville, NY PNB Bank 1,596 57 142 8.90 8.53 12.44 85 11.63 129 1.21 0.74 1.01 1.03 63.5% 10 5.5 157 381
93 First Defiance Financial Corp., Defiance, O H FDEF Thrift 988 134 89 9.05 9.52 2.99 4.69 176 5.73 193 1.29 0.40 0.42 222 .5% 3 45.4 11 383
94 FVNB Corp., Victoria, TX FVNB Bank 655 196 60 9.20 12.27 9.81 9.05 122 10.38 153 3.04 2.56 2.10 1.67 18.8% 71 22.1 40 386
95 Home Federal Bancorp, Seymour, IN HOMF Thrift 745< /TD> 172 70 9.35 15.12 16.66 12.62 64 14.80 61 1.95 1.90 1.30 1.43 2.6% 152 10.9 110 387
96 Southwest Bancorp, Stillwater, OK OKSB Bank 1,120 108 64 5.73 13.83 14.33 7.54 87 11.90 122 2.19 1.89 0.88 1.56 15.9% 79 12.0 105 393< /TD>
97 HMN Financial, Spring Valley, MN HMNF Thrift 699 187 65 9 .23 9.18 5.38 6.79 178 7.12 186 1.41 0.77 0.94 0.64 83.1% 8 30.1 25
98 First Bell Bancorp, Pittsburgh FBBC T hrift 816 161 55 6.68 12.50 10.36 10.17 116 11.01 147 1.61 1.35 1.23 1.02 19.3% 65 16.4 69 397
99 Alliance Bancorp, Hinsdale, IL ABCL Thrift 1,962 32 154 7 .83 10.37 8.32 8.88 159 9.19 171 1.59 1.26 1.26 0.75 26.2% 41 28.5 27 398
100 Commonwealth Bancorp, Norristown, PA CMSB Thrift 1,922 34 152 7.93 9.76 5.39 7.56 169 7.57 184 1.32 0.73 1.02 0.72 80.8% 9 22.4 37 39 9
 

Overall
Rank

Company Name, Headquarters

Ticker

Industry

Total Asse ts
1999
($ million)

Asset
Rank
Total Equity
1999
($ million)

Equity/Assets
1999 (%)

1999 (%)

1998 (%)

1997 (%)

< BR>Rank
1999

Avg. '97-
'99 (%)

3-Year Rank

1999 ($)

1998 ($)

1997 ($)

1996 ($)

1999
Growth
(%)
1999
Growth
Rank

3-Year
CAGR (%)
3-Year
CAGR
Rank

Total
Score
101 Parkvale Financial Corp., Monroeville, PA< /TD> PVSA Thrift 1,202 99 85 7.08 14.98 14.59 10.15 68 13.24 99 1.88 1.681.47 11 .9% 101 8.5 132 400
102 First Charter Corp., Concord, NC FCTR Bank 1,894 38 228 12.02 11.34 3.68 7.47 137 7.50 185 1.45 0.50 1.03 0.94 190.0% 5 15.5 74 401
103 BostonFed Bancorp, Burlington, VT BFD Thrift 1,25 4 88 86 6.84 10.00 9.02 8.21 164 9.08 172 1.71 1.43 1.24 0.48 19.6% 52.7 8 406
104 Jefferson Savings Bancorp, Ballwin, MO JSBA Thrift 1,583 61 126 7.97 8.10 6.28 9.49 187 7.96 182 1.05 0.78 1.08 0. 35 34.6% 25 44.2 12 406
105 NBT Bancorp, Norwich, NY NBTB Bank 1,394 73 127 9.08 14.27 14.93 12.97 80 14.06 79 1.40 1.42 1.10 0.92 -1.4% 164 15.0 83 406
106 Firstbank Corp., Alma, MI FBMI Bank< /TD> 651 199 61 9.38 13. 37 12.98 13.48 99 13.28 97 1.66 1.48 1.30 1.22 12.2% 99 10.8 111 406
107 Allegiant Bancorp, St. Louis ALLE Bank 728 48 6.59 11.00 10.14 9.55 149 10.23 159 0.83 0.68 0.49 0.48 22.1% 51 20.0 48 407
108 Tompkins Trustco, Ithaca, NY TMP Ban k 1,189 100 97 8.13 15.31 18.51 18.42 60 17.41 25 2.12 2.27 2.00 1.75 -6.6% 173 6.6 151 409
109 First Financial Corp., Terre Haute, IN THFF Bank 1,905 37 169 8.85 12.55 10.76 11.74 115 11.68 127 3.10 2.58 2.58 2.28 20.2 % 59 10.8 112 413
110 First Fed. Savings & Loan of East Hartford, CT FFES1,005 129 65 6.50 10.16 7.30 8.80 162 8.75 177 2.54 1.83 2.02 1.51 38.8% 22 18.9 54 415
111 USBANCORP, Inc., Johnston, PA UBAN Bank 2,467 8 113 4.56 15.48 14.13 15.00 53 14.87 58 1.52 1.48 1.54 1.28 2.7% 150 5.9 154
112 Eagle Bancshares, Tucker, GA EBSI Th rift 1,230 94 75 6.08 13.50 10.00 5.55 94 9.68 167 1.74 1.23 0.66 1.40 41.5% 19 7.5 144 424
113 Sterling Financial Corp., Lancaster, PA SLFI Bank 1,059 116 90 8.50 14.86 14.91 14.45 70 14.74 63 1.48 1.43 1.28 1.20 3.5%< /TD> 144 7.2 147 424
114 Metropolitan Finl. Corp., Mayfield Heights, OH METF1,608 56 45 2.79< /TD> 10.09 17.16 17.58 163 14.94 55 0.57 0.90 0.75 0.22 -36.7% 193 37.3 16 427
115 BancFirst Corp., Oklahoma City BANF Bank 2,336 13 165 7. 05 12.96 10.95 12.14 110 12.02 119 2.75 2.27 2.21 2.22 21.1% 7.4 145 427
116 Community Trust Bancorp, Pikeville, KY CTBI Bank 2,176 20 172 7.92 12.89 8.59 12.31 111 11.26 140 1.79 1.14 1.31 1 .55 57.0% 15 4.9 162 428
117 Mid-America Bancorp, Louisville, KY Bank 1,74 5 42 179 10.23 12.97 12.54 12.15 109 12.55 109 2.08 1.88 1.70 1.46 10.6% 111 12.5 102 431
118 MetroWest Bank, Framingham, MA MWBX Thrift 763 171 55 7.18 14.83 16.97 17.94 72 16.58 33 0.55 0.57 0.53 0.47168 5.4 158 431
119 Security Banc Corp. Springfield, OH Bank 976 137 119 12.20 14.18 13.69 13.92 84 13.93 85 1.39 1.28 1.19 1.11 8.6% 122 7.8 142 433
120 LSB Bancshares, Lexington, NC LXBK B ank 727 176 71 9.73 13.14 12.30 10.31 107 11.92 121 1.09 0.98 0.77 0.79 104 11.3 107 439
 

Overall
Rank

Company Name, Headquarters

Ticker

Industry

Total Asse ts
1999
($ million)

Asset
Rank
Total Equity
1999
($ million)

Equity/Assets
1999 (%)

1999 (%)

1998 (%)

1997 (%)

< BR>Rank
1999

Avg. '97-
'99 (%)

3-Year Rank

1999 ($)

1998 ($)

1997 ($)

1996 ($)

1999
Growth
(%)
1999
Growth
Rank

3-Year
CAGR (%)
3-Year
CAGR
Rank

Total
Score
121 TF Financial Corp., Newtown, PA THRD Thrift 722 178 48 6 .71 8.60 7.79 7.39 184 7.93 183 1.52 1.19 1.25 0.83 27.7% 36 22.3 38
122 Old Second Bancorp, Aurora, IL OSBC Bank 999 131 104 10.39 12.06 11.31 11.05 126 11.47 134 2.04 1.81 1.57 1.37 12.7% 94 14.2 89 443
123 Medford Bancorp, Medford, MA MDBK Thrift 1,225 95 91 7.4 2 13.52 11.99 11.81 93 12.44 111 1.44 1.31 1.19 1.10 9.9% 115 9.4 124 443
124 CENIT Bancorp, Norfolk, VA CNIT Thri ft 674 192 51 7.60 11.97 12.04 12.00 128 12.00 120 1.30 1.27 1.20 0.72 2.4% 154 21.8 42 444
125 Chemung Financial Corp., Elmira, NY Bank 653 198 65 10.00 12.66 11.41 11.67 114 11.44 136 2.03 1.77 1.66 1.48 14.7% 86 11.1 1 08 444
126 State Finl. Services Corp., Hales Corners, WI SFSW 1,090 111 110 10.06< /TD> 6.00 0.86 5.39 194 4.08 195 0.80 0.12 0.74 0.48 566.7% 1 18.6 58 448
127 First Commerce Bancshares, Lincoln, NE FCBIA Bank 2,610 3 258 9.87 12.44 12.15 12.48 118 12.36 114 2.33 2.15 1.96 1.60 8.4% 124 13.3 94 450
128 ABC Bancorp, Moultrie, GA ABCB Bank< /TD> 790 166 76 9.63 12. 00 10.07 11.35 127 11.14 143 1.03 0.79 0.85 0.84 30.4% 31 7.0 149 450
129 FMS Financial Corp., Burlington, NJ Thrift 7 73 168 46 5.97 11.41 12.80 15.11 136 13.11 101 0.70 0.72 0.75 0.40 -2.8% 167 20.5 47 451
130 First United Corp., Oakland, MD FUNC Bank 793 165 58 7.32 13.56 12.93 11.70 92 12.73 107 1.30 1.20 1.05 1.00125 9.1 128 452
131 Peoples Bancorp, Marietta, OH PEBO Bank 1,075 114 73 6.7 8 13.27 12.21 14.32 102 13.27 98 1.53 1.40 1.33 1.21 9.3% 120 8.1 137 457
132 MB Financial, Chicago MBFI Bank 1,309 82 79 6.06 13.79< /TD> 11.16 -22.60 88 0.78 200 1.51 1.25 -3.59 1.13 20.8% 57 10.1 118 463
133 Abington Bancorp, Abington, MA ABBK Thrift 696 188 28 4. 00 13.42 12.68 12.60 97 12.90 105 1.20 1.17 1.10 0.89 2.6% 153 10.5 115 470
134 Sun Bancorp, Vineland, NJ SNBC Bank< /TD> 1,981 30 91 4.60 11 .08 14.29 12.89 146 12.75 106 1.06 1.14 0.74 0.60 -7.0% 175 20.9 45 472
135 First Essex Bancorp, Andover, MA FESX Thrift 1,37 7 74 92 6.65 13.16 11.73 11.18 105 12.02 118 1.63 1.41 1.25 1.47 15.6% 82 3.5 168 473
136 PennFed Financial Services, West Orange, NJ PFSB Thrift 1,559 64 108 6.90 11.03 10.96 7.42 148 9.80 166 1.29 1.16 0.73 0.77 11.2% 105 18.8 56 475
137 Hamilton Bancorp, Miami HABK Bank 1,721 46 134 7.78 13.58 20.01 20.05 91 17.88 22 1.79 2.12 1.73 1.79 -15.6% 185 0.0 179 477
138 Klamath First Bancorp, Klamath Falls, OR KFBI Thrift 1,042 118 110 10.52 7.55 6.52 5.85 190 6.6 4 190 1.18 1.00 0.88 0.55 18.0% 73 29.0 26 479
139 First Northern Capital Corp., Green Bay, W I FNGB Thrift 840 156 77 9.15 9.60 9.08 8.38 174 9.02 174 0.83 0.75 0.36 10. 7% 109 32.1 24 481
140 Sun Bancorp, Selinsgrove, PA SUBI Ba nk 711 182 56 7.88 13.78 13.01 15.16 89 13.98 82 1.28 1.26 1.22 1.08 1.6% 156 5.8 155 482
 

Overall
Rank

Company Name, Headquarters

Ticker

Industry

Total Asse ts
1999
($ million)

Asset
Rank
Total Equity
1999
($ million)

Equity/Assets
1999 (%)

1999 (%)

1998 (%)

1997 (%)

< BR>Rank
1999

Avg. '97-
'99 (%)

3-Year Rank

1999 ($)

1998 ($)

1997 ($)

1996 ($)

1999
Growth
(%)
1999
Growth
Rank

3-Year
CAGR (%)
3-Year
CAGR
Rank

Total
Score
141 Citizens & Northern Corp., Wellsboro, PA CZNC Bank 706 184 77 10.85 13.18 12.58 14.56 104 13.44 93 2.20 2.12 1.93 1.77 3.8% 143 7.5 143 483
142 Granite State Bankshares, Keene, NH GSBI Bank 868 153 70 8.11 13.88 13.30 3.57 86 10.25 158 1.71 1.60 0.40 1.28 6.9% 133 10.1 119 496
143 VIB Corp, El Centro, CA VIBC Bank 918 148 58 6.34 10.70 1 2.83 158 11.31 137 0.52 0.49 0.47 0.32 6.1% 136 17.6 66 497
144 BankFirst Corp., Knoxville, TN BKFR Bank 813 163 87 10.64 10.42 9.85 11.93 156 10.73 150 0.73 0.59 0.61 0.5947 7.4 146 499
145 Washington Trust Bancorp, Westerly, RI WASH Bank 1,105 110 77 6.99 13.45 14.22 14.27 95 13.98 83 0.96 0.97 0.89 0.83 -1.0%< /TD> 163 5.0 160 501
146 ESB Financial Corp., Ellwood City, PA ESBF Thrift 1,032 121 50 4.83 9.93 9.10 8.64 165 9.22 170 1.03 0.98 0.89 0.5 4 5.1% 138 24.0 33 506
147 FFY Financial Corp., Youngstown, OH Thrift 6 76 191 70 10.38 10.26 9.28 5.73 161 8.42 179 1.11 0.99 0.60 0.69 12.1% 100 17.2 6 8 508
148 First National Bancorp, Joliet, IL FNBJ Bank 1,015 124 87 8.60 12.24 12.14 12.39 123 12.26 116 3.45 3.21 3.02 2.80 7.5% 128 7.2 148 5 15
149 Brenton Banks, Des Moines, IA BRBK Bank 1,985 29 132 6.6 5 12.35 15.37 14.47 120 14.06 78 0.80 0.95 0.84 0.63 -15.8% 186 8.3 134 518
150 First Merchants Corp., Muncie, IN FRME Bank 1,474 69 126 8.57 12.75 12.15 12.28 113 12.391.58 1.51 1.43 1.32< /TD> 4.6% 141 6.2 152 51 8
151 Commercial Bank of New York, New York CBNY Bank 1 ,340 81 84 6.24 9.71 5.87 11.20 170 8.93 176 1.56 0.96 1.68 1.35 62.5% 11 4.9 161 518
152 Camden National Corp., Camden, ME CAC Bank 928 143 78 8.36 13.16 15.23 15.20 106 14.53 68 1.27 1.41 1.31 1.14 -9.9% 178 3.7 167 519
153 Wintrust Financial Corp., Lake Forest, IL< /TD> WTFC Bank 1,679 51 93 5.53 11.58 8.68 7.88 134 9.38 169 1.10 0.74 0.60 -0.16 48.6 % 17 -290.1 199 519
154 Hawthorne Financial Corp., El Segundo, CA HTHR Thrift 1,581 62 92 5.8418.22 19.83 132 16 .57 34 1.33 1.65 1.30 1.17 -19.4% 189 4.4 165 520
155 National City Bancorp., Minneapolis, MN NCBM Bank 1,140 104 152 13.33 11.25 11.21 12.04 140 11.50 133 1.90 1.77 1.68 1.42 7 .3% 131 10.2 117 521
156 CPB Inc., Honolulu CPBI Bank 1,646 52 144 8.75 10.93 9.79 10.18 150 10.30 155 1.68 1.45 1.40 1.33 15.9% 80 8.1 138 523
157 Indiana United Bancorp, Greensburg, IN IUBC Bank 979 136 59 6.05 11.85 11.23 13.83 131 12.30 115 1.47 1.35 1.52 1.25 8.9% 121 5.6 156 523
158 Capitol Bancorp Ltd., Lansing, MI CBCL Bank 1,306 83 55 4.19 10.41 10.19 13.28 157 11.29 0.86 0.72 0.88 0.82 19.4% 63 1.6 174 532
159 FCNB Corp., Frederick, MD FCNB Bank 1,506 66 90 5.96 11.15 9.48 12.46 143 11.03 146 0.87 0.79 0.95 0.69 10.1% 114 8.0 139 542
160 Corus Bankshares, Chicago CORS Bank< /TD> 2,388 9 328 13.73 1 2.46 13.73 14.94 117 13.71 88 2.81 2.75 2.63 2.93 2.2% 155 -1.4 182 542
 

Overall
Rank

Company Name, Headquarters

Ticker

Industry

Total Asse ts
1999
($ million)

Asset
Rank
Total Equity
1999
($ million)

Equity/Assets
1999 (%)

1999 (%)

1998 (%)

1997 (%)

< BR>Rank
1999

Avg. '97-
'99 (%)

3-Year Rank

1999 ($)

1998 ($)

1997 ($)

1996 ($)

1999
Growth
(%)
1999
Growth
Rank

3-Year
CAGR (%)
3-Year
CAGR
Rank

Total
Score
161 Monroe Bank & Trust, Monroe, MI MBKT Bank 1,216 97 140 1 1.48 11.92 13.17 15.54 129 13.54 92 1.71 1.66 1.78 1.65 3.0% 1.2 176 544
162 Gold Banc Corporation, Leawood, KS GLDB Bank 1,407 71 87 6.18 11.15 15.14 15.56 144 13.950.57 0.71 0.64 0.45 -19.7% 190 8.2 136 5 54
163 Chemical Financial Corp., Midland, MI CHFC Bank 1 ,890 39 250 13.20 11.29 11.32 11.06 139 11.22 141 1.94 1.82 1.68 1.54 6.6% 134 8.0 140 554
164 First M & F Corp., Kosciusko, MS FMFC Bank 1,023 122 91 8.86 12.19 12.93 14.81 124 13.31 2.15 2.16 2.24 2.10 -0.5% 161 0.8 178 559
165 MASSBANK Corp., Reading, MA MASB Thrift 925101 10.9 7 10.66 10.05 10.51 155 10.41 152 3.25 2.97 2.77 2.58 9.4% 118 8.0 141 566
166 Capital City Bank Group, Tallahassee, FL CCBG Bank 1,431 70 132 9.24 11.64 12.37 13.15 133 12.3 9 113 1.50 1.50 1.42 1.31 0.0% 159 4.6 163 568
167 Simmons First National Corp., Pine Bluff, AR SFNCA Bank 1,697 49 159 9.39 10.92 11.24 10.98 151 11.05 144 2.33 2.27< /TD> 2.04 1.77 2.6% 151 9.6 123 569
168 IBERIABANK Corporation, New Iberia, LA IBKC Bank 1,364 78 117 8.59 7.84 8.47 4.66 188 6.99 187 1.53 1.56 0.83 0.80 -1.9% 166 24.1 31 572
169 BSB Bancorp, Binghamton. NY BSBN Bank 2,241154 6.89< /TD> 11.41 14.79 14.65 135 13.62 89 1.77 2.08 1.93 1.67 -14.9% 184 2.0 172 580
170 Omega Financial Corp., State College, PA OMEF Bank 1,053 117 151 14.3511.35 12.26 138 11 .64 128 1.85 1.79 1.77 1.69 3.4% 145 3.1 170 581
171 Ambanc Holding Co., Amsterdam, NY AHCI Thrift 741 173 76 10.21 5.26 1.64 4.52 195 3.81 196 0.87 0.26 0.69 -0.80 234.6% 2 -202.8 19 8 591
172 Farmers Capital Bank Corp., Frankfort, KY FFKT Bank 1,040 120 125 12.03 11.20 11.92 12.50 141 1 1.87 124 1.86 1.89 1.86 1.65 -1.6% 165 4.1 166 596
173 BT Financial Corp., Johnstown, PA BTFC Bank 2,061 26 185 8.98 11.11 11.52 11.92 145 11.52 131 1.25 1.26 1.30 1.08 -0.8% 162 5.0 15 9 597
174 UnionBancorp, Ottawa, IL UBCD Bank 704 185 56 8.00 9.83 9.98 9.61 168 9.81 165 1.27 1.22 1.08 0.99 4.1% 142 8.7 131 606
175 Fidelity National Corp., Atlanta LION Bank 883 151 55 6. 19 8.95 7.26 3.69 180 6.63 191 0.53 0.42 0.15 -1.24 26.2% 40 -175.3 197 608
176 First National Corp., Orangeburg, SC FNC Bank 872 152 76 8.69 10.79 12.19 12.72 152 11.901.13 1.21 1.14 1.02< /TD> -6.6% 174 3.5 169 6 18
177 Camco Financial Corp., Cambridge, OHThrift 813 162 63 7.70 9.65 11.95 10.65 171 10.75 149 1.02 1.19 0.91 0.77 -14.3%< /TD> 182 9.8 121 623
178 CNB Financial Corp., Canojoharie, NY CNBF Bank 914 149 55 5.98 10.67 13.83 14.99 154 13.16 100 0.83 1.00 0.99 0.90 -17.0% 187 -2.7 185 626
179 National City Bancshares, Evansville, IN NCBE Bank 2,203 18 223 10.12 9.90 10.17 14.31 166 11.46 135 1.27 1.211.41 5. 0% 139 -3.4 186 626
180 Century South Banks, Apharetta, GA CSBI Bank 1,272 86 125 9.80 11.17 12.84 9.11 142 11.041.21 1.32 0.87 1.15< /TD> -8.3% 177 1.7 173 6 37
 

Overall
Rank

Company Name, Headquarters

Ticker

Industry

Total Asse ts
1999
($ million)

Asset
Rank
Total Equity
1999
($ million)

Equity/Assets
1999 (%)

1999 (%)

1998 (%)

1997 (%)

< BR>Rank
1999

Avg. '97-
'99 (%)

3-Year Rank

1999 ($)

1998 ($)

1997 ($)

1996 ($)

1999
Growth
(%)
1999
Growth
Rank

3-Year
CAGR (%)
3-Year
CAGR
Rank

Total
Score
181 Eldorado Bancshares, Laguna Hills, CA ELBI Bank 1 ,366 76 118 8.61 -2.67 4.60 5.47 200 2.47 199 0.40 0.33 0.37 0.81 21.2% 52 -21.0 194 645
182 WesterFed Financial Corp., Missoula, MT WSTR Thrift 1,007 128 91 9.05 6.73 5.15 192 6.27 192 1.37 1.29 0.96 1 .08 6.2% 135 8.3 135 654
183 German American Bancorp, Jasper, IN Bank 993 132 87 8.81 9.61 10.16 10.79 173 10.19 161 0.96 0.95 0.92 0.84 1.1%4.6 164< /TD> 655
184 WesBanco Inc., Wheeling, WV WSBC Ban k 2,270 15 270 11.88 9.85 9.55 8.99 167 9.46 168 1.37 1.36 1.23 1.31 0.7% 158 1.5 175 668
185 NBC Capital Corp., Starkville, MS NBY Bank 974 138 111 1 1.43 9.42 9.13 11.23 177 9.93 163 1.46 1.42 1.67 1.66 2.8% 149 -4.2 187 676
186 Heartland Financial USA, Dubuque, IA HTLF Bank 1,184 101 87 7.31 9.61 11.26 11.59 172 10.82 148 0.84 0.94 0.89 0.8 5 -10.6% 180 -0.4 180 680
187 Independent Bank Corp., Ionia, MI IBCP Bank 1,725 44 114 6.59 7.26 15.60 16.01 191 12.96 103 0.75 1.31 1.16 1.05 -42.7% 195 -10.6 191 680
188 Southside Bancshares Corp., St. Louis SBCO Bank 678 190 64 9.50 9.54 11.12 11.44 175 10.70 151 0.72 0.80 0.75 0.75 -10.0% 179 -1.4 181 686
189 Main Street Bancorp, Reading, PA MBNK Bank 1,497< /TD> 67 79 5 .26 9.02 12.34 13.16 179 11.51 132 0.76 1.12 1.00 0.82 -32.1%-2.5 184 686
190 F&M Bancorp, Frederick, MD FMBN Bank 1,719 47 144 8.36 8.80 10.02 11.96 181 10.26 157 1.18 1.33 1.56 1.15 -11.3% 181 0.9 177 696
191 Premier Financial Bancorp, Georgetown, KY< /TD> PFBI Bank 852 154 52 6.11 8.54 10.80 11.51 185 10.28 156 0.88 1.09 1.10 0.82 -19. 3% 188 2.4 171 700
192 United National Bancorp, Bridgewater, NJ UNBJ Bank 2,090 23 118 5.67 8.43 12.83 13.37 186 11.54 130 0.75 1.22 1.14 1.02 -38.5% 194 -9.7 190 700
193 Union Bankshares Corp., Bowling Green, VA< /TD> UBSH Bank 822 160 69 8.37 8.74 9.53 12.67 182 10.31 154 0.84 0.91 1.09 1.03 -7.7% 176 -6.6 189 701
194 York Financial Corp., York, PA YFED Thrift 1,365 77 110 8.09 8.64 9.61 7.46 183 8.57 178 0.92 0.96 0.71 1.08169 -5.2 188 718
195 Republic Bancshares, St. Petersburg, FL REPB Bank 2,566 4 170 6.63 6.38 -8.10 9.65 193 2.64 198 0.95 -1.34 1.01 0.74 -170.9 % 199 8.7 130 720
196 Patriot Bank Corp., Pottstown, PA PBIX Bank 1,129 105 50 4.41 4.00 8.72 7.22 197 6.65 189 0.37 0.78 0.59 0.31 -52.6% 196 6.1 153 735< /TD>
197 Lakeland Bancorp, Oak Ridge, NJ LBAI Bank 830 157 72 8.7 1 7.64 11.03 11.73 189 10.13 162 0.42 0.63 0.60 0.72 -33.3% 192 -16.4 193 736
198 Banc Corp., Birmingham, AL TBNC Bank 827 158 69 8.32 4. 33 -0.78 7.05 196 3.53 197 0.20 -0.03 0.29 0.21 -766.7% 200 -1.6 183 776
199 HF Financial Corp., Sioux Falls, SD HFFC Thrift 6 59 195 49 7.37 1.99 11.73 7.17 198 6.96 188 0.24 1.42 0.79 1.00 -83.1% 197 -37.9 195 778
200 CB Bancshares, Honolulu CBBI Bank 1,620 55 115 7.08 0.2 4 6.49 5.90 199 4.21 194 0.09 2.35 2.03 1.99 -96.2% 198 -64.4 196 787
 
Source: Data provided by SNL Securities, Charlottesville, VA. Calculations and rankings by U .S. Banker.

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