ABA Banking Journal - June 2008 - (Page 29)

Non-S banks and thrifts under $100 million in assets 2008 2007 rank rank Institution Total assets (000) 2007 ROAE 2007 ROAA Asset growth rate Loans/ deposits Noninterest inc/total rev Efficiency ratio NPLs/tot (FTE) loans Leverage ratio 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 1497 N/A 1981 2 4 793 3 11 12 1925 7 321 6 19 1927 47 428 273 15 5 45 17 14 134 39 Farmers Bank, Hamburg, AR, bank First East Side Savings Bank, Tamarac, FL, savings bank Bank of Paxton, NE, bank First National Bank, Heavener, OK, bank Community Bank, Bristow, OK, bank Greensburg State Bank, Greensburg, KS, bank Utah Community Bank, Sandy, UT, bank State Exchange Bank, Lamont, OK, bank Citizens Bank of Edina, Edina, MO, bank Excel National Bank, Beverly Hills, CA, bank Lakeside Bank, Salina, OK, bank Bodcaw Bank, Stamps, AR, bank First State Bank, Mobeetie, TX, bank Bank of Locust Grove, OK, bank Wilcox County State Bank, Abbeville, GA, bank People's Bank, Seneca, MO, bank Summit National Bank, Hulett, WY, bank Bank of Wyandotte, OK, bank Sundown State Bank, Sundown, TX, bank Roxbury Bank, Roxbury, KS, bank Community State Bank, Coffeyville, KS, bank Bank of Star Valley, Afton, WY, bank International Bank, Trinidad, CO, bank First National Bank, Elkhart, KS, bank Wray State Bank, Wray, CO, bank Source: SNL Financial LC Data as of Dec. 31, 2007 $38,653 92,648 17,893 93,146 61,795 64,163 75,894 43,061 67,880 87,862 25,504 70,557 66,909 25,901 43,806 67,483 31,463 12,471 92,490 16,127 54,531 96,975 74,511 62,309 56,972 58.36% 47.65 37.27 28.31 26.35 25.87 24.31 23.98 23.76 23.69 23.46 22.95 21.96 21.85 21.83 21.74 20.38 19.13 18.92 18.65 18.55 18.35 17.91 17.79 17.40 8.66% 4.64 4.48 2.05 1.88 3.29 3.56 1.68 2.09 2.52 2.60 2.94 1.38 2.46 2.07 1.45 1.30 1.39 1.34 2.05 1.49 1.67 1.35 1.87 1.48 3.81% -32.59 -1.37 8.92 -2.13 62.06 6.66 15.86 3.63 49.14 6.60 2.09 35.12 -0.98 9.02 38.48 9.39 4.08 8.42 11.21 14.44 6.71 16.53 -2.60 8.15 42.31% 65.80 69.07 103.59 71.94 16.59 90.53 99.62 93.79 83.51 88.80 38.75 23.14 64.17 88.97 48.36 68.56 87.47 66.97 99.72 64.88 78.06 77.94 80.53 64.55 8.10% 73.13 34.26 14.46 27.57 37.72 8.34 7.71 9.20 73.75 16.34 41.11 11.59 21.57 10.92 18.05 12.82 18.54 15.85 6.70 22.61 10.88 16.24 20.09 15.60 37.31% 25.43 47.72 48.82 52.70 26.28 28.45 43.86 32.86 91.33 45.85 36.75 47.20 53.15 83.72 53.19 61.39 75.60 64.42 52.01 60.83 53.65 59.33 56.25 50.18 1.63% 1.96 8.45 1.42 0.00 0.30 0.00 0.75 0.00 1.06 0.15 0.29 0.00 0.00 0.37 0.69 0.11 0.36 0.24 0.85 0.00 0.68 0.00 0.42 0.95 22.72% 19.50 11.57 6.72 6.80 12.70 15.53 7.39 9.00 16.05 12.05 9.07 6.69 12.19 10.16 6.33 6.87 6.90 7.86 10.84 7.96 9.56 7.58 11.10 7.79 Non-S banks and thrifts greater than $100 million in assets 2008 2007 rank rank Institution Total assets (000) 2007 ROAE 2007 ROAA Asset growth rate Loans/ deposits Noninterest inc/total rev Efficiency ratio NPLs/tot Leverage (FTE) loans ratio 1 1 2 2440 3 2 4 2253 5 11 6 283 7 966 8 38 9 3 10 16 11 1456 12 32 13 204 14 36 15 63 16 5 17 18 18 N/A 19 19 20 7 21 13 22 33 23 28 24 6 25 84 Seattle Savings Bank, Seattle, WA, savings bank Oak Bank, Chicago, IL, commercial bank Security First Nat. Bank, Hugo, OK, bank Mackinac Financial Corp., Manistique, MI, bhc Commercial State Bank, Andrews, TX, bank First Bank of Delaware, Wilmington, DE, bank Old Fort Banking Co., Old Fort, OH, bank Alpine Banks of Colorado, Glenwood Springs, CO, bhc First Nat. B&T Co., Weatherford, TX, bank First National Bank, Baird, TX, bank Grand Bank, Tulsa, OK, bank Sierra Bancorp, Porterville, CA, bhc First National Bank, Grayson, KY, bank Suffolk Bancorp, Riverhead, NY, bhc Pioneer Trust Bank, NA, Salem, OR, bank Orion Bancorp, Naples, FL, bhc Mississippi River Bank, Belle Chasse, LA, bank Pedcor Capital, Carmel, IN, bhc EvaBank, Eva, AL, bank First Regional Bancorp, Century City, CA, bhc Village Bank, Saint George, UT, bank Summit Bank, Oakland, CA, bank First South Bancorp, Washington, NC, bhc FCB Florida Bancorporation, Orlando, FL, bhc City Bank, Lynnwood, WA, bank Source: SNL Financial LC Data as of Dec. 31, 2007 $613,640 170,726 101,387 408,880 299,392 119,361 378,811 2,394,384 189,474 183,680 221,195 1,233,735 182,494 1,469,419 249,597 2,682,330 142,917 361,264 385,414 2,172,724 262,330 181,289 918,277 717,683 1,239,032 97.18% 51.02 32.95 31.08 30.32 27.92 25.01 23.99 23.55 23.23 22.92 22.29 21.53 21.47 21.30 20.90 20.86 20.64 20.49 20.45 20.44 20.30 20.24 20.21 20.03 18.05% 7.85 2.53 2.59 2.21 6.13 2.08 1.72 1.90 1.97 1.92 1.74 1.62 1.57 2.70 1.01 2.14 1.91 1.77 1.60 1.73 1.93 1.88 1.40 3.64 0.65% 1.69 -0.01 6.82 20.88 -3.58 6.68 18.83 14.88 7.38 4.04 1.56 2.05 5.51 4.91 4.95 -7.36 -12.39 25.24 4.73 22.36 -7.24 0.21 7.22 14.97 149.14% 97.35 82.77 110.78 89.30 98.37 91.65 92.12 82.64 88.76 113.62 108.40 68.49 83.72 87.25 123.33 52.34 146.29 111.54 118.09 84.14 73.77 101.50 105.35 134.39 87.08% 79.78 12.63 13.28 10.11 68.08 38.16 20.88 20.98 16.64 32.20 19.86 23.20 14.20 34.23 8.55 7.99 78.23 16.35 6.26 10.40 5.01 17.53 7.85 3.14 31.29% 18.03 39.69 76.63 45.03 44.05 51.80 52.83 48.50 50.60 53.98 49.54 54.26 52.16 34.55 47.18 44.83 55.63 35.14 50.08 50.32 47.84 45.23 42.38 21.50 2.10% 0.00 0.00 1.71 0.31 1.92 0.13 0.11 0.52 0.74 0.84 0.98 0.20 0.17 1.00 3.94 0.04 5.07 1.50 0.10 0.25 0.08 0.98 0.38 1.38 16.38% 16.92 7.10 8.05 7.80 27.49 8.20 9.33 8.26 8.92 8.83 10.22 6.98 7.56 11.73 6.54 11.00 19.81 8.77 10.86 8.93 8.98 10.08 8.13 17.44 ABA BANKING JOURNAL/JUNE 2008 29

Table of Contents Feed for the Digital Edition of ABA Banking Journal - June 2008

ABA Banking Journal - June 2008 Contents Editor’s Column Do Fee-based Services Have an Edge? Snapshot: Net Interest Margins Vary Sharply with Size 100th Anniversary: Then & Now Letters ABA Resources ABA Chairman’s Position "What? No Annual Surprise Bonus?" Pass the Aspirin Cover Story: Top Community Banks: How They Did... ...And How They Did It Charter Bank First East Side Savings Bank Mackinac Financial Corp. The Peoples Bank Managing the E-mail Monster In Brief Handling PEPs in the Age of "L'affaire Spitzer" Mailbox Banker’s Mart To Advertise/Index of Advertisers The Economy

ABA Banking Journal - June 2008

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