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FOR IMMEDIATE RELEASE

ICBA Recognizes Top Performing Community Banks
Annual Listings Feature Top Member ROAs and ROEs

Washington, D.C. (June 2, 2005) - This month, the Independent Community Bankers of America's (ICBA) publication Independent Banker recognized its "top 20" performing member banks in five different asset categories.

Nearly 300 community banks are highlighted in Independent Banker's June 2005 issue featuring the year-end performance rankings for 2004. The performance ranking of ICBA member banks is based on the standard industry performance measures of return on average assets and return on average equity. The magazine compiles its rankings from year-end FDIC call report data.

"Community banks are integral parts of the economic and civic fabric of thousands of towns and cities across America," said ICBA Chairman David E. Hayes, president of Security Bank in Dyersburg, Tenn. "In addition to offering the quality financial products and services their customers need, community banks spend countless hours and resources helping their communities to thrive. ICBA congratulates all the banks listed this year for serving their communities so efficiently and effectively."

Separate performance rankings are listed for Subchapter S corporation community banks and Subchapter C corporation community banks among the five asset categories. For details, visit ICBA's electronic pressroom at www.icba.org/pressroom (click on Top 20 Best Performers).

Independent Banker is the flagship magazine published by ICBA, the nation's largest banking trade association. The monthly magazine is the only nationally distributed publication covering the financial services marketplace exclusively from the community bank perspective.




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