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Banking Companies with the Highest Multiples of Net Income to Salary, Benefits

September 13, 2012, 4:05 p.m. EDT 1 Min Read
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Banking Companies with the Highest Multiples of Net Income to Salary, Benefits

Banking Companies with the Highest Multiples of Net Income to Salary, BenefitsYear to date through March 31, 2012. Dollars in thousands
Published September 13, 2012
Rank Multiple Net income Salary and
benefits		 Return on
average assets
1 Briscoe Ranch Inc. Uvalde, Texas 26.36 $51,762 $1,964 21.05%
2 NRBC Holding Corp. Chicago 6.13 7,624 1,243 2.32
3 Educational Services of America Inc. Knoxville, Tenn. 5.91 7,848 1,329 1.95
4 Republic Bancorp Inc. Louisville 4.86 82,472 16,971 9.75
5 CU Bank Shares Inc. Farmers Branch, Texas 4.34 5,685 1,309 3.29
6 SBT Bancshares Inc. Dallas 3.56 2,840 798 2.10
7 Stearns Financial Services Inc. St. Cloud, Minn. 2.82 13,817 4,905 4.00
8 Amboy Bancorp. Old Bridge, N.J. 2.80 11,234 4,011 1.95
9 Discover Financial Services Riverwoods, Ill. 2.61 650,218 248,853 3.70
10 Villages Bancorp. Inc. The Villages, Fla. 2.41 5,537 2,296 1.57
11 Olney Bancshares of Texas Inc.. 2.37 11,597 4,892 2.48
12 JJR Holding Co. Inc. Brick, N.J. 2.35 3,709 1,581 2.60
13 United National Corp. Sioux Falls, S.D. 2.27 70,620 31,117 15.54
14 Industry Bancshares Inc. Industry, Texas 2.22 9,674 4,361 2.01
15 Wilshire Bancorp Inc. Los Angeles 2.03 16,451 8,118 2.46
16 Barclays Delaware Holdings LLC Wilmington 1.98 72,806 36,824 1.88
17 Lauritzen Corp. Omaha, Neb. 1.96 17,231 8,771 4.27
18 Choice Financial Holdings Inc. Grafton, N.D. 1.93 4,115 2,127 2.69
19 Doral Financial Corp. San Juan, Puerto Rico 1.91 34,238 17,894 1.70
20 Capitol Bancorp. Inc. Britton, S.D. 1.83 3,703 2,018 2.08
21 Heritage Group Inc. Wood River, Neb. 1.82 2,595 1,424 1.89
Rockhold Bancorp Kirksville, Mo. 1.82 1,521 835 1.17
23 Charter Bankshares Inc. Eau Claire, Wis. 1.79 3,312 1,849 1.90
24 United Community Bancorp Inc. Chatham, Ill. 1.77 6,971 3,946 2.17
25 Ambank Co. Inc. Sioux Center, Iowa 1.76 4,788 2,724 2.35
26 Hamilton State Bancshares Inc. Hoschton, Ga. 1.74 8,737 5,035 2.79
27 AFNB Holdings Inc. Houston 1.68 5,519 3,281 2.54
28 BBCN Bancorp Inc. Los Angeles 1.67 23,934 14,289 1.85
Hudson Valley Holding Corp. Yonkers, N.Y. 1.67 18,013 10,799 2.57
30 First Bemidji Holding Co. Minn. 1.64 2,436 1,489 1.75
31 Manhattan Banking Corp. Kan. 1.63 4,149 2,539 2.08
32 Heartland Bancorp Inc. Bloomington, Ill. 1.62 11,552 7,146 2.35
33 New York Community Bancorp Inc. Westbury 1.61 118,253 73,618 1.11
34 ServisFirst Bancshares Inc. Birmingham, Ala. 1.60 8,256 5,165 1.32
35 Intervest Bancshares Corp. New York 1.58 3,254 2,057 0.67
36 Prosperity Bancshares Inc. Houston 1.57 36,487 23,251 1.41
37 Franklin Resources Inc. San Mateo, Calif. 1.56 503,218 323,031 14.99
38 Citizens Bankshares Inc. Farmington, N.M. 1.52 2,644 1,735 1.60
Hometown Banc Corp Grand Island, Neb. 1.52 4,308 2,838 1.87
40 Stockman Financial Corp. Miles City, Mont. 1.50 10,248 6,812 1.91
Capital One Financial Corp. McLean, Va. 1.50 1,402,906 935,213 2.40
National Bankshares Inc. Blacksburg, Va. 1.50 4,429 2,957 1.65
43 First Financial Banc Corp. El Dorado, Ark. 1.48 6,086 4,107 3.06
Fidelity Holding Co. Minnetonka, Minn. 1.48 1,652 1,117 1.66
45 East West Bancorp Inc. Pasadena, Calif. 1.46 68,083 46,786 1.25
46 Cathay General Bancorp El Monte, Calif. 1.45 28,913 19,879 1.09
47 Apple Financial Holdings Inc. New York 1.43 19,987 14,016 1.00
48 Peoples Financial Services Corp. Hallstead, Pa. 1.42 2,420 1,707 1.54
49 Lakeside Bancorp Inc. Chicago 1.41 3,142 2,231 1.11
50 Westamerica Bancorp. San Rafael, Calif. 1.40 21,005 15,046 1.67
51 Citizens Bancshares Inc. Bluffton, Ohio 1.39 3,255 2,341 2.19
University Financial Corp. Inc. dba Sunrise Community Banks St. Paul, Minn. 1.39 5,091 3,663 2.19
Amarillo National Bancorp Inc. Texas 1.39 17,256 12,418 2.17
Inwood Bancshares Inc. Dallas 1.39 5,392 3,891 1.50
55 Tennessee State Bancshares Inc. Pigeon Forge 1.38 3,765 2,722 2.03
Centrabanc Corp. Waco, Texas 1.38 2,436 1,766 1.62
57 Hills Bancorp. Iowa 1.37 7,901 5,750 1.53
Whitcorp Financial Co. Garden City, Kan. 1.37 3,209 2,342 1.87
59 Ida Grove Bancshares Inc. Iowa 1.36 4,904 3,607 1.68
Center Bancorp Inc. Union, N.J. 1.36 4,231 3,118 1.16
61 First Illinois Bancorp Inc. East St. Louis 1.35 2,140 1,584 1.55
62 The Bank of Southside Virginia Corp. Carson 1.34 2,344 1,743 1.68
63 CVB Financial Corp. Ontario, Calif. 1.33 22,268 16,721 1.37
64 First-West Texas Bancshares Inc. Midland 1.31 2,504 1,910 1.37
Planters Financial Group Inc. Hopkinsville, Tenn. 1.31 2,489 1,901 1.48
First Security Bancorp Searcy, Ark. 1.31 25,032 19,152 2.38
67 Bank of the Ozarks Inc. Little Rock, Ark. 1.28 18,009 14,052 1.88
68 Home BancShares Inc. Conway, Ark. 1.27 14,498 11,386 1.50
WNB Bancshares I nc. Odessa, Texas 1.27 4,535 3,569 1.51
Park National Corp. Newark, Ohio 1.27 31,475 24,823 1.83
71 Citizens Financial Services Inc. Mansfield, Pa. 1.25 3,449 2,753 1.54
CBX Corp. Carrollton, Ill. 1.25 3,633 2,911 1.42
73 Pinnacle Bancorp Inc. Central City, Neb. 1.24 28,169 22,642 1.73
American State Financial Corp. Lubbock, Texas 1.24 12,695 10,207 1.63
First Financial Bankshares Inc. Abilene, Texas 1.24 17,756 14,303 1.70
Parke Bancorp Inc. Swell, N.J. 1.24 1,787 1,442 0.91
77 WestStar Bank Holding Co. Inc. El Paso, Texas 1.23 4,983 4,038 1.99
78 Penns Wood Bancorp Inc. Jersey Shore, Pa. 1.22 3,689 3,017 1.90
79 Mesaba Bancshares Inc. Grand Rapids, Minn. 1.21 3,206 2,644 1.75
80 Ames National Corp. Iowa 1.19 3,543 2,981 1.33
81 First Arkansas Bancshares Inc. Jacksonville 1.17 4,056 3,466 2.34
82 First Nebraska Bancs Inc. Sidney 1.15 2,449 2,129 1.86
83 First Paragould Bankshares Inc. Ark. 1.14 2,290 2,001 1.31
First Citizens Financial Corp. Mason City, Iowa 1.14 4,281 3,752 1.46
Blackhawk Bancorp. Inc. Milan, Ill. 1.14 3,029 2,656 1.16
Nodaway Valley Bancshares Inc. Maryville, Mo. 1.14 3,270 2,877 1.69
87 Citizens and Northern Corp. Wellsboro, Pa. 1.13 5,587 4,941 1.69
88 Magnolia Banking Corp. Ark. 1.12 2,786 2,492 1.50
First Southern Bancorp Inc. Stanford, Ky. 1.12 3,091 2,771 1.72
90 First Manitowoc Bancorp Inc. Wis. 1.11 3,277 2,941 1.43
Honat Bancorp Inc. Honesdale, Pa. 1.11 2,020 1,817 1.42
Hometown Community Bancorp Inc. Morton, Ill. 1.11 8,544 7,697 1.28
93 American National Corp. Omaha, Neb. 1.10 9,065 8,271 1.79
94 West Bancorp. Inc. West Des Moines, Iowa 1.09 3,977 3,636 1.23
95 International Bancshares Corp. Laredo, Texas 1.08 31,686 29,402 1.08
New Century Bancorp Inc. Dunn, N.C. 1.08 2,112 1,961 1.44
American Central Bancorp. Inc. Mount Zion, Ill. 1.08 3,334 3,098 2.05
98 Security Star Bancshares Inc. Odessa, Texas 1.07 3,064 2,862 1.81
Independence Bancshares Inc. Owensboro, Ky. 1.07 4,218 3,947 1.47
100 PNBK Holdings LLC Stamford, Conn. 1.06 3,013 2,844 1.77
101 Clayton Bancorp Inc. Knoxville, Tenn. 1.05 2,882 2,744 1.24
Cashmere Valley Financial Corp. Cashmere, Wash. 1.05 3,234 3,082 1.09
103 First NBC Bank Holding Co. New Orleans 1.04 6,005 5,774 1.06
104 FirstBank Holding Co. Lakewood, Colo. 1.03 39,665 38,508 1.34
105 Waupaca Bancorp. Inc. Wis. 1.02 2,708 2,656 1.43
Norwood Financial Corp., Honesdale, Pa. 1.02 2,186 2,151 1.29
107 First York Ban Corp. Neb. 1.01 5,079 5,010 1.82
215 Holding Co. Minneapolis 1.01 2,644 2,610 1.74
First Keystone Corp. Berwick, Pa. 1.01 2,656 2,622 1.29
Oriental Financial Group Inc. San Juan, Puerto Rico 1.01 10,653 10,519 0.65
U.S. Bancorp Minneapolis 1.01 1,338,000 1,322,000 1.57
Southern National Bancorp of Virginia Inc. McLean 1.01 1,843 1,825 1.21
113 Paducah Bank Shares Inc. Ky. 1.00 2,525 2,516 1.87
1st Summit Bancorp of Johnstown Inc. Pa. 1.00 2,124 2,126 1.13
Lakeland Financial Corp. Warsaw, Ind. 1.00 8,626 8,647 1.18
116 Bar Harbor Bankshares Maine 0.99 3,163 3,182 1.06
117 Sabine Bancshares Inc. Many, La. 0.98 3,710 3,790 2.15
City Holding Co. Cross Lanes, W.Va. 0.98 10,031 10,267 1.44
119 Farmers Enterprises I nc. Great Bend, Kan. 0.97 4,532 4,650 2.73
Citco Community Bancshares Inc. Elizabethton, Tenn. 0.97 2,421 2,501 1.55
The First of Long Island Corp. Glen Head, N.Y. 0.97 5,151 5,330 1.00
122 Planters Holding Co. Indianola, Miss. 0.96 2,116 2,197 1.24
SNBNY Holdings Ltd. New York 0.96 10,823 11,251 0.82
Traditional Bancorp. Inc. Mount Sterling, Ky. 0.96 3,099 3,232 1.14
First Bancorp Inc. Lebanon, Va. 0.96 4,036 4,221 1.29
126 Camden National Corp. Maine 0.95 6,583 6,908 1.13
First Bancorp Inc. Damariscotta, Maine 0.95 2,913 3,071 0.83
128 QNB Corp. Quakertown, Pa. 0.94 2,471 2,626 1.13
Central Bancshares Inc. Golden Valley, Minn. 0.94 5,068 5,402 1.83
Starion Bancorp. Bismarck, N.D. 0.94 3,851 4,109 1.65
Texas Capital Bancshares Inc. Dallas 0.94 27,084 28,948 1.30
132 NEB Corp. Fond du Lac, Wis. 0.93 4,140 4,443 1.11
Community First Inc. Columbia, Tenn. 0.93 1,769 1,902 1.18
Integrity Bancshares Inc. Camp Hill, Pa. 0.93 1,422 1,529 0.94
Community Trust Bancorp Inc. Pikeville, Ky. 0.93 11,869 12,813 1.31
136 CNB Financial Corp. Clearfield, Pa. 0.92 4,347 4,725 1.06
Bank of Hawaii Corp. Honolulu 0.92 43,810 47,645 1.27
County Bancorp Inc. Manitowoc, Wis. 0.92 1,976 2,152 1.16
Southern Missouri Bancorp Inc. Poplar Bluff 0.92 2,176 2,377 1.14
140 United Bankshares Inc. Charleston, W.Va. 0.91 21,010 23,100 0.99
First Guaranty Bancshares Inc. Hammond, La. 0.91 3,051 3,367 0.90
142 Provident Financial Services Inc. Jersey City 0.90 18,428 20,508 1.04
Security National Corp. Omaha, Neb. 0.90 2,877 3,204 1.73
First Pulaski National Corp. Tenn. 0.90 2,341 2,614 1.45
Wood & Huston Bancorp. Inc. Marshall, Mo. 0.90 1,882 2,102 1.51
146 Merchants Bancorp Inc. Hillsboro, Ohio 0.89 1,653 1,854 1.13
Neighbor Insurance Agency Inc. Marion, Iowa 0.89 2,358 2,651 1.48
148 First New Mexico Financial Corp. Deming 0.88 1,118 1,267 1.16
Bank of Marin Bancorp Novato, Calif. 0.88 4,940 5,604 1.40
North Jersey Community Bancorp Inc. Englewood Cliffs, N.J. 0.88 1,843 2,092 0.99
Midland Financial Corp. Casper, Wyo. 0.88 2,123 2,410 1.45
Community Trust Financial Corp. Ruston, La. 0.88 6,165 7,005 0.97
Fremont Bancorp. Calif. 0.88 15,566 17,702 2.62
First Breckinridge Bancshares Inc. Irvington, Ky. 0.88 2,451 2,788 1.39
First Farmers Financial Corp. Converse, Ind. 0.88 3,112 3,542 1.35
156 Salem Five Bancorp Mass. 0.87 10,868 12,498 1.41
Middlefield Banc Corp Ohio 0.87 1,523 1,755 0.93
158 Sunflower Financial Inc. Salina, Kan. 0.86 5,118 5,939 1.18
Plains Bancorp Inc. Dimmit, Texas 0.86 3,316 3,849 1.22
Berkshire Bancorp Inc New York 0.86 2,136 2,480 0.98
Guaranty Bancshares Inc. Mount Pleasant, Texas 0.86 3,496 4,069 1.26
Southside Bancshares Inc. Tyler, Texas 0.86 10,139 11,833 1.24
163 Peoples Bancorp. Inc. Easley, S.C. 0.85 1,738 2,049 1.30
American Bank Holding Corp. Corpus Christi, Texas 0.85 4,219 4,975 1.58
Mountain National Bancshares Inc. Sevierville, Tenn. 0.85 1,580 1,869 1.23
CCFNB Bancorp Inc. Bloomsburg, Pa. 0.85 1,818 2,151 1.16
167 Fifth Third Bancorp Cincinnati 0.83 429,836 515,335 1.47
Farmers and Merchants Bankshares Inc. Stuttgart, Ark. 0.83 1,912 2,306 1.22
Northern Bancorp Inc. Woburn, Mass. 0.83 1,970 2,377 1.06
The Bank of Kentucky Financial Corp. Crestview Hills 0.83 4,515 5,451 1.03
First American Bancorp Athens, Ga. 0.83 1,492 1,807 1.07
Coppermark Bancshares Inc. Oklahoma City 0.83 3,529 4,277 1.10
173 Red River Bancshares Inc. Alexandria, La. 0.82 2,863 3,511 1.11
174 Dimeco Inc. Honesdale, Pa. 0.81 1,569 1,927 1.08
Crews Banking Corp. Wauchula, Fla. 0.81 3,574 4,395 1.23
FNB Bancorp Inc. Newtown, Pa. 0.81 2,541 3,130 1.27
Central Pacific Financial Corp. Honolulu 0.81 13,478 16,626 1.30
RCB Holding Co. Inc. Claremore, Okla. 0.81 6,713 8,318 1.33
Somerset Trust Holding Co. Pa. 0.81 2,632 3,264 1.45
National Penn Bancshares Inc. Boyertown, Pa. 0.81 25,302 31,381 1.19
American Bancorp of Oklahoma Inc. Edmond 0.81 1,367 1,696 0.97
182 American National Bankshares Inc. Danville, Va. 0.80 4,175 5,189 1.27
Cardinal Financial Corp. McLean, Va. 0.80 7,653 9,512 1.17
First Citizens Bancshares Inc. Dyersburg, Tenn. 0.80 3,516 4,380 1.32
Security National Corp. Sioux City, S.D. 0.80 3,546 4,427 1.25
Peoples Bancorp Inc. Marietta, Ohio 0.80 6,657 8,317 1.48
187 Orange County Bancorp Inc. Middletown, N.Y. 0.79 1,804 2,271 1.11
Pinnacle Financial Corp. Elberton, Ga. 0.79 1,759 2,220 1.21
Longview Financial Corp. Texas 0.79 4,271 5,412 1.17
Virginia Commerce Bancorp Inc. Arlington 0.79 6,142 7,784 0.83
Chambers Bancshares Inc. Danville, Ark. 0.79 1,368 1,742 0.76
192 Macatawa Bank Corp. Holland, Mich. 0.78 4,485 5,714 1.19
Cummins-American Corp. Glenview, Ill. 0.78 2,802 3,596 0.95
First Citizens Bancshares Inc. Waxahachie, Texas 0.78 2,205 2,835 1.52
Hanmi Financial Corp. Los Angeles 0.78 7,341 9,443 1.06
ESB Bancorp MHC Easthampton, Mass. 0.78 2,242 2,888 0.94
197 Adam Bank Group Inc. Tampa, Fla. 0.77 2,331 3,009 0.99
Horizon Bancorp Michigan City, Ind. 0.77 4,613 5,963 1.19
Pacific City Financial Corp. Los Angeles 0.77 1,790 2,316 1.27
CB&T Holding Corp. New Orleans 0.77 5,393 6,990 3.31
First Bancorp. Of Durango Inc. Inverness, Ill. 0.77 1,377 1,787 1.00
Carroll County Bancshares Inc. Carroll, Iowa 0.77 1,769 2,297 1.10
LegacyTexas Group Inc. Plano 0.77 5,840 7,597 1.46
American Express Co. New York 0.77 1,256,000 1,635,000 3.32
German American Bancorp Inc. Jasper, Ind. 0.77 5,602 7,320 1.18


Only domestic holding companies that file Y-9C reports are included. Based on Y-9C filings by top tier bank holding companies with the Federal Reserve. Figures for prior periods are not adjusted for mergers and acquisitions. Rankings include only companies current as of March 31, 2012.

Source:

Financial Information Systems LLC

© 2012 American Banker

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