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

May 20, 2013, 4:02 p.m. EDT 1 Min Read

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Banking Companies with the Highest Multiples of Net Income to Salary, BenefitsYear to date through Sept. 30, 2012. Dollars in thousands Published May 20, 2013
Rank		Multiple	Net income	Salary and benefits	Return on average assets
1	East Asia Holding Co. Inc. New York	46.78	$8,186	$175	-0.52%
2	Briscoe Ranch Inc. Uvalde, Texas	27.42	150,512	5,490	19.18
3	Beal Financial Corp. Plano, Texas	6.18	309,414	50,083	5.77
4	Educational Services of America Inc. Knoxville, Tenn.	5.61	22,634	4,035	1.75
5	SBT Bancshares Inc. Dallas	5.16	12,294	2,381	3.10
6	Citizens Republic Bancorp Inc. Flint, Mich.	3.49	349,028	99,911	4.84
7	Stearns Financial Services Inc. St. Cloud, Minn.	2.95	43,375	14,710	4.04
8	Wilshire Bancorp Inc. Los Angeles	2.93	77,095	26,325	3.89
9	Villages Bancorp. Inc. The Villages, Fla.	2.90	20,086	6,935	1.86
10	Luther Burbank Corp. Santa Rosa, Calif.	2.84	45,370	15,991	2.17
11	Hanmi Financial Corp. Los Angeles	2.66	76,395	28,698	3.64
12	Sterling Financial Corp. Spokane, Wash.	2.63	364,775	138,623	5.14
13	Rockhold Bancorp Kirksville, Mo.	2.46	5,958	2,424	1.54
14	Republic Bancorp Inc. Louisville, Ky.	2.44	112,718	46,205	4.46
15	Olney Bancshares of Texas Inc.	2.40	35,184	14,645	2.52
16	Discover Financial Services Riverwoods, Ill.	2.31	1,811,947	783,705	3.34
17	JJR Holding Co. Inc. Brick, N.J.	2.17	10,375	4,792	2.44
18	Industry Bancshares Inc. Texas	2.11	29,348	13,878	1.96
19	Malaga Financial Corp. Palos Verdes Estates, Calif.	2.10	8,932	4,260	1.90
20	Hudson City Bancorp Inc. Paramus, N.J.	2.09	201,195	96,201	0.83
	Charter Bankshares Inc. Eau Claire, Wis.	2.09	10,986	5,265	2.08
22	United National Corp. Sioux Falls, S.D.	2.02	187,016	92,764	13.46
23	Silver Queen Financial Services Inc. Englewood, Colo.	2.01	4,261	2,118	0.47
24	FCT Bancshares Inc. Waco, Texas	1.91	10,107	5,287	2.79
25	Clayton Bancorp Inc. Knoxville, Tenn.	1.89	15,781	8,339	2.16
26	Heritage Group Inc. Wood River, Neb.	1.88	8,209	4,359	1.99
	Barclays Delaware Holdings LLC Wilmington	1.88	208,499	111,017	1.71
28	Heartland Bancorp Inc. Bloomington, Ill.	1.87	40,864	21,859	2.73
29	Washington Federal Inc. Seattle	1.84	104,765	56,928	1.41
30	Lauritzen Corp. Omaha, Neb.	1.80	46,711	25,928	3.81
31	Capitol Bancorp. Inc. Britton, S.D.	1.78	10,575	5,953	1.97
32	Inwood Bancshares Inc. Dallas	1.77	18,926	10,686	1.73
33	Lakeside Bancorp Inc. Chicago	1.73	12,112	7,018	1.44
34	New York Community Bancorp Inc. Westbury	1.71	378,263	221,623	1.17
35	BNCCORP Inc. Bismarck, N.D.	1.68	21,643	12,877	4.13
36	Capitol Federal Financial Inc. Topeka, Kan.	1.67	55,724	33,366	1.05
	Sinopac Bancorp Los Angeles	1.67	25,325	15,185	2.76
38	Manhattan Banking Corp. Kan.	1.65	12,890	7,826	2.07
39	Choice Financial Holdings Inc. Grafton, N.D.	1.63	11,109	6,824	2.40
40	Amarillo National Bancorp Inc. Texas	1.62	56,807	35,173	2.39
41	Ambank Co. Inc. Sioux Center, Iowa	1.61	12,667	7,850	2.07
	NRBC Holding Corp. Chicago	1.61	6,153	3,826	0.63
	ServisFirst Bancshares Inc. Birmingham, Ala.	1.61	25,889	16,110	1.34
44	East West Bancorp Inc. Pasadena, Calif.	1.60	209,750	130,759	1.28
45	Fidelity Holding Co. Minnetonka, Minn.	1.59	5,305	3,328	1.68
46	WNB Bancshares Inc. Odessa, Texas	1.58	18,629	11,825	2.03
47	First Bemidji Holding Co. Minn.	1.57	7,335	4,673	1.74
48	First-West Texas Bancshares Inc. Midland	1.56	9,052	5,801	1.61
49	First Financial Banc Corp. El Dorado, Ark.	1.54	19,645	12,798	3.27
50	Citizens Bankshares Inc. Farmington, N.M.	1.53	8,008	5,241	1.58
	Cathay General Bancorp El Monte, Calif.	1.53	89,132	58,426	1.12
52	WestStar Bank Holding Co. Inc. El Paso, Texas	1.52	16,625	10,926	2.15
	Franklin Resources Inc. San Mateo, Calif.	1.52	1,450,585	955,050	14.05
54	BOFI Holdings Inc. San Diego	1.51	25,272	16,737	1.85
55	AFNB Holdings Inc. Houston	1.49	14,311	9,579	2.19
56	Midland Financial Co. Oklahoma City	1.47	184,525	125,308	3.31
57	National Bankshares Inc. Blacksburg, Va.	1.45	13,062	9,014	1.61
	Stockman Financial Corp. Miles City, Mont.	1.45	33,905	23,414	2.08
59	Ida Grove Bancshares Inc. Iowa	1.44	15,646	10,887	1.78
60	Prosperity Bancshares Inc. Houston	1.43	119,635	83,531	1.41
	BBCN Bancorp Inc. Los Angeles	1.43	61,696	43,189	1.59
	Blackhawk Bancorp. Inc. Milan, Ill.	1.43	11,877	8,331	1.49
	Nodaway Valley Bancshares Inc. Maryville, Mo.	1.43	11,323	7,944	1.94
64	First Illinois Bancorp Inc. East St. Louis	1.41	6,523	4,612	1.57
	Westamerica Bancorp. San Rafael, Calif.	1.41	61,991	43,833	1.66
	The Bank of Southside Virginia Corp. Carson	1.41	7,095	5,017	1.69
67	Center Bancorp Inc. Union, N.J.	1.39	13,038	9,366	1.15
	United Community Bancorp Inc. Chatham, Ill.	1.39	16,893	12,161	1.76
	Intervest Bancshares Corp. New York	1.39	8,692	6,271	0.62
70	Centrabanc Corp. Waco, Texas	1.36	7,240	5,313	1.59
71	SKBHC Holdings LLC Seattle	1.35	65,268	48,290	3.71
	Pinnacle Bancorp Inc. Central City, Neb.	1.35	90,698	67,391	1.83
	First Security Bancorp Searcy, Ark.	1.35	77,504	57,609	2.42
74	First Paragould Bankshares Inc. Ark.	1.34	8,021	5,966	1.52
	Citizens Bancshares Inc. Bluffton, Ohio	1.34	9,705	7,219	2.15
	Peoples Financial Services Corp. Hallstead, Pa.	1.34	6,945	5,192	1.46
	Oritani Financial Corp. Township of Washington, N.J.	1.34	25,901	19,365	1.70
78	Home BancShares Inc. Conway, Ark.	1.32	46,083	34,941	1.57
79	Citizens Financial Services Inc. Mansfield, Pa.	1.31	10,666	8,126	1.60
80	Oriental Financial Group Inc. San Juan, Puerto Rico	1.30	43,371	33,326	0.90
81	Bank of the Ozarks Inc. Little Rock, Ark.	1.29	56,377	43,666	1.97
	First Financial Bankshares Inc. Abilene, Texas	1.29	55,907	43,479	1.76
83	Planters Financial Group Inc. Hopkinsville, Tenn.	1.28	7,569	5,933	1.49
84	First NBC Bank Holding Co. New Orleans	1.27	21,459	16,936	1.21
85	Parke Bancorp Inc. Swell, N.J.	1.26	5,357	4,267	0.91
86	CU Bank Shares Inc. Farmers Branch, Texas	1.25	4,917	3,933	0.96
	Hometown Banc Corp Grand Island, Neb.	1.25	11,514	9,235	1.60
88	Hamilton State Bancshares Inc. Hoschton, Ga.	1.24	20,937	16,925	2.05
89	Hills Bancorp. Iowa	1.23	21,472	17,477	1.39
	First Nebraska Bancs Inc. Sidney	1.23	7,630	6,211	1.93
91	Penns Wood Bancorp Inc. Jersey Shore, Pa.	1.22	10,754	8,806	1.78
	IMB Holdco LLC Pasadena, Calif.	1.22	279,284	229,233	1.96
	Berkshire Bancorp Inc New York	1.22	8,664	7,123	1.33
94	Trustco Bank Corp. NY Glenville	1.21	27,728	22,849	1.13
95	Magnolia Banking Corp. Ark.	1.18	8,864	7,496	1.58
	Citizens and Northern Corp. Wellsboro, Pa.	1.18	16,766	14,193	1.69
97	Waupaca Bancorp. Inc. Wis.	1.17	8,737	7,444	1.50
	CBX Corp. Carrollton, Ill.	1.17	10,513	9,012	1.35
99	Dime Community Bancshares Inc. New York	1.16	33,573	28,984	1.51
100	Ames National Corp. Iowa	1.15	10,714	9,293	1.28
101	American National Corp. Omaha, Neb.	1.13	27,835	24,652	1.82
102	BankUnited Inc. Miami Lakes, Fla.	1.12	148,758	132,544	2.12
	First Arkansas Bancshares Inc. Jacksonville	1.12	11,646	10,395	2.21
	Honat Bancorp Inc. Honesdale, Pa.	1.12	5,990	5,360	1.40
105	Whitcorp Financial Co. Garden City, Kan.	1.11	7,902	7,103	1.55
	West Bancorp. Inc. West Des Moines, Iowa	1.11	12,112	10,893	1.24
	Starion Bancorp. Bismarck, N.D.	1.11	13,246	11,913	1.87
	Cashmere Valley Financial Corp. Cashmere, Wash.	1.11	10,187	9,163	1.14
109	First Citizens Financial Corp. Mason City, Iowa	1.08	12,214	11,261	1.40
	CVB Financial Corp. Ontario, Calif.	1.08	55,144	50,856	1.14
	Apple Financial Holdings Inc. New York	1.08	44,260	40,891	0.70
	Lakeland Financial Corp. Warsaw, Ind.	1.08	26,779	24,845	1.21
	Guaranty Bancshares Inc. Mount Pleasant, Texas	1.08	12,562	11,661	1.50
114	Cache Valley Banking Co. Logan, Utah	1.07	7,646	7,149	7.82
	Independence Bancshares Inc. Owensboro, Ky.	1.07	13,009	12,190	1.48
	U.S. Bancorp Minneapolis	1.07	4,227,000	3,968,000	1.63
117	Wood and Huston Bancorp. Inc. Marshall, Mo.	1.06	6,679	6,300	1.77
	Security Star Bancshares Inc. Odessa, Texas	1.06	9,340	8,844	1.80
119	Norwood Financial Corp., Honesdale, Pa.	1.05	6,644	6,300	1.29
	Citco Community Bancshares Inc. Elizabethton, Tenn.	1.05	7,146	6,827	1.50
121	Hometown Community Bancorp Inc. Morton, Ill.	1.04	24,121	23,126	1.19
	United States Automobile Association San Antonio	1.04	2,537,763	2,437,573	4.06
	FirstBank Holding Co. Lakewood, Colo.	1.04	121,293	116,724	1.34
124	Paducah Bank Shares Inc. Ky.	1.03	7,595	7,362	1.86
	Pacific Capital Bancorp Santa Barbara, Calif.	1.03	73,945	71,734	1.67
	Planters Holding Co. Indianola, Miss.	1.03	6,583	6,390	1.27
	Midland Financial Corp. Casper, Wyo.	1.03	7,223	7,032	1.61
	Traditional Bancorp. Inc. Mount Sterling, Ky.	1.03	9,910	9,653	1.23
	First Keystone Corp. Berwick, Pa.	1.03	7,998	7,794	1.31
130	SNBNY Holdings Ltd. New York	1.02	34,033	33,312	0.83
	Merchants Bancorp Inc. Hillsboro, Ohio	1.02	5,377	5,280	1.24
	Southern Missouri Bancorp Inc. Poplar Bluff	1.02	7,164	7,041	1.27
133	Mackinac Financial Corp. Manistique, Mich.	1.01	6,027	5,942	1.55
	1st Summit Bancorp of Johnstown Inc. Pa.	1.01	6,461	6,383	1.11
135	First Bancorp Inc. Damariscotta, Maine	1.00	9,459	9,445	0.90
	CB&T Holding Corp. New Orleans	1.00	22,205	22,180	4.28
	Pacific Premier Bancorp Inc. Costa Mesa, Calif.	1.00	11,965	11,972	1.56
138	Virginia Commerce Bancorp Inc. Arlington	0.99	22,348	22,517	1.00
	Texas Capital Bancshares Inc. Dallas	0.99	89,243	89,920	1.33
	Cardinal Financial Corp. McLean, Va.	0.99	32,256	32,504	1.57
	Banner Corp. Walla Walla, Wash.	0.99	50,194	50,862	1.58
	Embassy Bancorp Inc. Bethlehem, Pa.	0.99	4,172	4,230	1.18
143	Plains Bancorp Inc. Dimmit, Texas	0.98	11,314	11,491	1.38
	Clifton MHC N.J.	0.98	5,461	5,580	0.91
	North Jersey Community Bancorp Inc. Englewood Cliffs, N.J.	0.98	6,117	6,252	1.02
	Sabine Bancshares Inc. Many, La.	0.98	11,023	11,267	2.12
	First Manitowoc Bancorp Inc. Wis.	0.98	8,457	8,663	1.22
148	Liberty Capital Inc. Wilmington, Ohio	0.97	10,256	10,521	2.86
	Northern Bancorp Inc. Woburn, Mass.	0.97	7,012	7,215	1.22
150	215 Holding Co. Minneapolis	0.96	7,485	7,778	1.63
	The First of Long Island Corp. Glen Head, N.Y.	0.96	15,342	16,061	1.00
152	Middlefield Banc Corp Ohio	0.95	5,015	5,267	1.01
	Customers Bancorp Inc. Wyomissing, Pa.	0.95	16,252	17,073	0.96
	Bar Harbor Bankshares Maine	0.95	9,636	10,161	1.04
	Sunflower Financial Inc. Salina, Kan.	0.95	16,720	17,637	1.29
	First Bancorp Inc. Lebanon, Va.	0.95	12,107	12,784	1.30
157	Farmers and Merchants Bankshares Inc. Stuttgart, Ark.	0.94	6,591	6,987	1.41
	Leackco Bank Holding Co. Inc. Wolsey, S.D.	0.94	4,902	5,238	2.42
159	CNB Financial Corp. Clearfield, Pa.	0.93	13,246	14,175	1.05
	Southern Utah Bancorp. Cedar City	0.93	6,627	7,112	1.27
	NEB Corp. Fond du Lac, Wis.	0.93	12,177	13,071	1.09
	Heartland BancCorp Gahanna, Ohio	0.93	5,914	6,356	1.37
	Central Bancshares Inc. Golden Valley, Minn.	0.93	15,230	16,440	1.81
164	First York Ban Corp. Neb.	0.92	14,499	15,741	1.70
165	International Bancshares Corp. Laredo, Texas	0.91	82,115	90,152	0.93
	Camden National Corp. Maine	0.91	19,250	21,150	1.08
	QNB Corp. Quakertown, Pa.	0.91	7,050	7,783	1.05
	Santander Holdings USA Inc. Boston	0.91	441,354	487,675	0.94
169	ESB Financial Corp. Ellwood City, Pa.	0.90	11,400	12,649	1.02
	CM Florida Holdings Inc. Coral Gables	0.90	32,061	35,669	1.02
	Liberty Bancshares Inc. Springfield, Mo.	0.90	10,792	12,015	1.35
	Bank of Hawaii Corp. Honolulu	0.90	125,789	140,104	1.22
	Southern National Bancorp of Virginia Inc. McLean	0.90	5,266	5,868	1.06
	BBVA PR Holding Corp. San Juan, Puerto Rico	0.90	31,395	34,988	0.83
	Neighbor Insurance Agency Inc. Marion, Iowa	0.90	6,857	7,660	1.42
	First Guaranty Bancshares Inc. Hammond, La.	0.90	9,048	10,109	0.89
177	Town & Country Bancshares Inc. Salem, Mo.	0.89	5,818	6,502	1.98
	Watford City Bancshares Inc. N.D.	0.89	14,005	15,671	1.62
	Community Trust Bancorp Inc. Pikeville, Ky.	0.89	34,310	38,500	1.26
180	Fremont Bancorp. Calif.	0.88	47,637	53,829	2.63
	United Bankshares Inc. Charleston, W.Va.	0.88	61,393	69,416	0.97
	First Mariner Bancorp Baltimore	0.88	15,420	17,441	1.69
	Security National Corp. Omaha, Neb.	0.88	8,510	9,626	1.60
	Financial Corp. of Louisiana Crowley	0.88	6,590	7,486	2.01
	Farmers Enterprises I nc. Great Bend, Kan.	0.88	13,817	15,712	2.78
	Community Trust Financial Corp. Ruston, La.	0.88	18,381	20,916	0.92
187	Capital One Financial Corp. McLean, Va.	0.87	2,673,667	3,064,409	1.40
	First National Bancshares Inc. East Lansing, Mich.	0.87	7,309	8,394	1.59
	American Bancorp of Oklahoma Inc. Edmond	0.87	4,332	4,985	1.02
	Park National Corp. Newark, Ohio	0.87	62,343	71,892	1.22
	Dimeco Inc. Honesdale, Pa.	0.87	4,997	5,768	1.12
	First Farmers Financial Corp. Converse, Ind.	0.87	9,904	11,443	1.30
193	First New Mexico Financial Corp. Deming	0.86	3,314	3,853	1.14
	Community Bankers Inc. Granbury, Texas	0.86	6,003	6,998	1.97
	First Fidelity Bancorp Inc. Oklahoma City	0.86	11,616	13,548	1.34
196	Great Southern Bancorp Inc. Springfield, Mo.	0.85	36,257	42,576	1.21
	PeoplesSouth Bancshares Inc. Colquitt, Ga.	0.85	3,971	4,670	1.03
	Eagle Bancorp Inc. Bethesda, Md.	0.85	26,642	31,520	1.23
199	City Holding Co. Cross Lanes, W.Va.	0.84	28,049	33,213	1.32
	CCFNB Bancorp Inc. Bloomsburg, Pa.	0.84	5,461	6,471	1.16

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 Sept. 30, 2012.

Source:

Financial Information Systems LLC