2013 Growth Leaders Ranking

To find out which banks and thrifts truly

dominate in terms of top line growth, Bank

Director magazine Editor Jack Milligan

worked with Bank Intelligence Solutions, a

subsidiary of Fiserv Inc., to determine the

inaugural 2013 Growth Leaders Ranking.

Banks have been struggling to find organic growth in the current economy.

The ranking shows the top growth banks and thrifts in four categories among all Federal Deposit

Insurance Corp.-insured institutions over the course of the first three quarters of 2012, based on

regulatory call reports.

The Four Categories

CORE INCOME

CORE DEPOSITS

NET LOANS AND LEASES

CORE NON-INTEREST INCOME

Contributing Factors

Strong Management

Team

Good Local Economy

Niche Player

Winners tended to have the following qualities:

One bank nearly dominated the entire ranking:

Customers Bank, the

Wyomissing, Pennsylvania-bank.

Customers Bank Chairman and Chief Executive

Officer Jay S. Sidhu has pursued a niche

strategy built around specialty lending and a

unique distribution strategy that emphasizes

mobile technology rather than brick-and-

mortar branches.

Top Banks for Core Income

Company Name StateTotal Assets ($Millions)

Growth Rate

Customers Bank(Customers Bancorp Inc.)

PA $2,600,811 43.14%

Provident Savings Bank(Provident Financial Holdings Inc.)

CA $1,271,390 20.94%

Enterprise Bank & Trust(Enterprise Financial Services Corp.)

MO $3,172,022 20.44%

Barrington Bank & Trust Co.(Wintrust Financial Corp.)

IL $1,577,251 18.76%

Cardinal Bank(Cardinal Financial Corp.)

VA $3,002,852 18.44%

Top Banks for Net Loans & Leases

Company Name StateTotal Assets ($Millions)

Growth Rate

Customers Bank(Customers Bancorp Inc.)

PA $2,657,811 19.77%

Union Savings Bank OH $2,541,407 12.87%

Opus Bank CA $2,670,621 9.13%

Cardinal Bank(Cardinal Financial Corp.)

VA $3,002,852 8.93%

State Street Bank and Trust(State Street Corp.)

MA $200,653,748 8.75%

Top Banks for Deposits

Company Name StateTotal Assets ($Millions)

Growth Rate

Cole Taylor Bank(Taylor Capital Group)

IL $5,116,615 12.91%

First Niagara Bank(First Niagara Financial Group Inc.)

NY $35,942,502 12.22%

Community Bank(Community Bank System Inc.)

NY $7,544,335 9.95%

Lake Forest Bank and Trust Co.(Wintrust Financial Corp.)

IL $2,385,395 9.12%

Bar Harbor Bank & Trust(Bar Harbor Bankshares)

ME $1,294,713 8.81%

Top Banks for Non-Interest Income

Company Name StateTotal Assets ($Millions)

Growth Rate

State Bank & Trust Co.(State Bank Financial Corp.)

GA $2,643,592 97.29%

Customers Bank(Customers Bancorp Inc.)

PA $2,657,811 69.77%

Valley National Bank(Valley National Bancorp)

NJ $15,754,559 50.76%

Rockville Bank(Rockville Financial Inc.)

CT $1,946,365 47.22%

Cole Taylor Bank(Taylor Capital Group)

IL $5,116,615 43.02%

For a more complete list, please see Bank Director

magazine’s 2nd quarter issue or visit BankDirector.com.