Bank and Thrift Holding Companies with Highest Noninterest Income Ratios

Published March 17, 2004, 10:08 a.m. EST

Updated January 02, 1970, 9:08 a.m. EST

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Bank and Thrift Holding Companies with Highest Noninterest Income Ratios

Bank and Thrift Holding Companies with Highest Noninterest Income Ratios
On Sept. 30, 2003. Dollars in thousands Published March 17, 2004
Related Table: Leaders in Noninterest Income Growth and in Total Income
			Income
		Type of company	Noninterest	Total	Noninterest	3Q 2002 noninterest	Sept. 30, 2003 assets
1	Morgan Stanley New York	thrift	$129,733	$130,349	99.53%	$115,843	$65,418
2	Ocwen Financial Group West Palm Beach, Fla.	thrift	108,441	110,308	98.31	86,781	1,051,611
3	Concord EFS Inc., Memphis	bank	1,678,391	1,720,109	97.57	1,574,518	2,423,279
4	Franklin Resources Inc. San Mateo, Calif.	bank	2,014,818	2,084,881	96.64	1,884,717	6,970,749
5	Merrill Lynch and Co., New York	thrift	84,957	89,813	94.59	89,131	179,986
6	Bessemer Group Inc. Woodbridge Twp., N.J.	bank	136,142	148,532	91.66	134,106	1,015,386
7	First Investors Consolidated New York	thrift	5,066	5,780	87.65	4,536	56,713
8	Silver Queen Financial Services Aspen, Colo.	thrift	14,352	16,473	87.12	8,150	58,570
9	First Eastern Bankshares Andover, Mass.	thrift	20,128	23,514	85.60	12,538	98,870
10	Ameri-National Corp., Overland Park, Kan.	bank	38,613	45,432	84.99	NA	161,253
11	Gateway Bancorp Santa Ana, Calif.	bank	32,897	39,667	82.93	NA	131,242
12	First Community Bancshares Inc. Houston	bank	83,965	102,041	82.29	71,469	627,777
13	Bankers' Bancorp Inc. Madison, Wis.	bank	16,546	20,952	78.97	NA	187,842
14	CU Bank Shares Inc., Farmers Branch, Tex.	bank	51,447	65,320	78.76	18,510	422,703
15	Mellon Financial Corp. Pittsburgh	bank	2,665,367	3,393,744	78.54	2,778,223	33,022,050
16	Charles Schwab Corp. San Francisco	bank	2,420,654	3,140,050	77.09	2,476,250	43,760,255
17	Approved Financial Corp. Virginia Beach	thrift	7,055	9,488	74.36	5,809	53,908
18	United National Corp. Sioux Falls, S.D.	bank	306,138	416,627	73.48	335,075	1,051,605
19	Access National Corp. Chantilly, Va.	bank	26,986	37,577	71.82	13,927	290,644
20	State Street Corp. Boston	bank	2,599,270	3,761,530	69.10	2,143,488	81,775,678
21	MetLife Inc. New York	bank	18,146,070	26,371,873	68.81	16,466,066	314,982,797
22	Crescent Banking Co. Jasper, Ga.	bank	41,745	61,371	68.02	16,148	459,802
23	Pelican Financial Inc. Ann Arbor, Mich.	bank	37,837	56,017	67.55	11,501	382,933
24	First Tennessee National Corp. Memphis	bank	1,586,823	2,383,817	66.57	1,130,904	25,490,907
25	MBNA Corp. Wilmington, Del.	bank	5,672,282	8,545,753	66.38	4,898,135	58,716,985
26	Kansas Natural Gas Inc. Hays	bank	12,514	19,023	65.78	7,781	199,432
27	Commonwealth Savingshares Corinth, Miss.	thrift	30,393	46,458	65.42	13,925	479,445
28	Woodforest Financial Group The Woodlands, Tex.	bank	90,805	139,332	65.17	77,150	1,289,917
29	Liberty Financial Services St. Cloud, Minn.	thrift	7,178	11,034	65.05	3,146	103,951
30	Deepgreen Financial Wilmington, Del.	thrift	13,978	21,551	64.86	3,061	244,747
31	Bank of New York Co. Inc.	bank	2,879,258	4,624,136	62.27	2,441,119	95,279,036
32	Palm Desert Investments Calif.	bank	10,775	17,332	62.17	8,362	223,852
33	Pulaski Investment Corp. Little Rock	bank	29,794	48,119	61.92	25,788	380,482
34	Monticello Cos. Jacksonville, Fla.	thrift	7,983	13,187	60.54	5,202	146,462
35	First National Bank Holding Scottsdale, Ariz.	bank	92,666	155,421	59.62	75,354	1,446,054
36	Northern Trust Corp. Chicago	bank	1,148,069	1,947,387	58.95	1,177,671	40,744,157
	National Consumer Coop Bank Washington	thrift	28,213	47,856	58.95	10,436	555,965
38	Commerce Bancshares Corp. Worcester, Mass.	bank	48,900	83,741	58.39	25,638	1,023,816
39	Rurban Financial Corp. Defiance, Ohio	bank	31,227	53,677	58.18	10,653	438,492
40	Marin National Bancorp Las Vegas	bank	66,521	114,446	58.12	57,940	225,990
41	Cass Commercial Bank Bridgeton, Mo.	bank	28,853	49,884	57.84	19,320	636,830
42	Lauritzen Corp. Omaha	bank	48,922	84,610	57.82	37,232	1,141,025
43	WSFS Financial Corp. Wilmington, Del.	thrift	86,629	151,523	57.17	68,780	2,108,965
44	Staten Island Bancorp Inc. New York	thrift	372,613	651,832	57.16	181,142	7,517,718
45	Waterfield Mortgage Co. Fort Wayne, Ind.	thrift	175,774	308,430	56.99	83,761	3,479,613
46	Investors Financial Services Boston	bank	239,698	420,780	56.97	218,346	8,555,581
47	Cenlar Capital Corp. Princeton, N.J.	thrift	19,263	33,945	56.75	18,566	508,276
48	Guardian Bancorp Inc. Cincinnati	thrift	16,568	29,367	56.42	6,637	474,755
49	Fremont Bancorp. Calif.	bank	77,862	138,633	56.16	37,420	1,755,668
50	Synovus Financial Corp. Columbus, Ga.	bank	1,012,401	1,809,149	55.96	895,529	21,027,923
51	SCB Bancorp Inc. Decatur, Ill.	bank	9,701	17,344	55.93	7,045	211,870
52	Dryades Bancorp Inc. New Orleans	thrift	4,862	8,701	55.88	1,785	97,828
53	Paramount Bancorp Farmington Hills, Mich.	bank	8,987	16,225	55.39	NA	164,090
54	Net.Bank Inc. Roswell, Ga.	thrift	165,835	303,219	54.69	69,118	4,562,019
55	Security Holding Co. Lincoln, Neb.	thrift	5,950	11,100	53.60	2,317	102,033
56	PNC Financial Services Group Pittsburgh	bank	2,388,458	4,502,395	53.05	2,323,171	72,270,713
57	United Bankers' Bancorp Bloomington, Minn.	bank	7,488	14,247	52.56	6,426	257,393
58	Bayside Financial Corp. Minnetonka, Minn.	thrift	2,173	4,191	51.85	1,507	64,724
59	Independent Bankers Financial Irving, Tex.	bank	34,251	66,515	51.49	29,066	1,096,622
60	Flagstar Bancorp Inc. Bloomfield Hills, Mich.	thrift	402,757	782,337	51.48	168,533	10,924,447
61	Georgia-Carolina Bancshares Augusta, Ga.	bank	12,208	23,755	51.39	7,179	269,383
62	Jones Financial Co. Maryland Heights, Mo.	thrift	6,138	11,949	51.37	4,411	141,943
63	Tulsa National Bancshares	bank	5,726	11,169	51.27	2,892	148,799
64	Liberty Shares Inc. Hinesville, Ga.	bank	9,933	19,555	50.80	6,958	286,765
65	Temecula Valley Bancorp Inc. Calif.	bank	17,926	35,417	50.61	10,833	410,829
66	Provident Financial Group Cincinnati	bank	585,843	1,167,884	50.16	177,024	17,792,323
67	First National of Nebraska Omaha	bank	515,372	1,034,836	49.80	387,268	11,636,744
68	J. R. Montgomery Bancorp Lawton, Okla.	bank	6,371	12,806	49.75	4,760	182,716
69	First National Bankers Banks Baton Rouge	bank	4,484	9,016	49.73	2,940	296,636
70	Bryn Mawr Bank Corp. Pa.	bank	21,661	43,729	49.53	16,855	576,991
	The Banc Corporation Birmingham, Ala.	bank	59,492	120,125	49.53	9,049	1,242,746
72	National Bancorp Inc. Schaumburg, Ill.	bank	18,015	36,383	49.51	13,609	401,834
73	Southeastern Financial Inc. Tuscaloosa, Ala.	thrift	3,836	7,781	49.30	145	103,117
74	Volunteer State Bancshares Portland, Tenn.	bank	6,780	13,781	49.20	3,869	170,310
75	UMB Financial Corp. , Kansas City, Mo.	bank	177,211	360,352	49.18	172,962	7,028,053
76	Greater Atlantic Financial Corp. Reston, Va.	thrift	14,482	29,514	0.49	7,683	499,635
77	Banker's Bancorp of Florida Lake Mary	bank	6,644	13,740	48.36	6,586	281,225
78	CCB Kansas City, Mo.	bank	14,347	30,008	47.81	11,482	503,424
79	Resource Bankshares Corp. Virginia Beach	bank	28,397	59,540	47.69	16,680	852,107
80	Union Savings Bank Cincinnati	thrift	40,802	85,594	47.67	12,520	1,206,298
81	Arkansas Bankers' Bancorp Little Rock	bank	4,935	10,384	47.53	3,208	230,330
82	Doral Financial Corp. San Juan, Puerto Rico	bank	297,406	625,972	47.51	158,665	10,763,729
83	Humboldt Bancorp	bank	41,547	87,862	47.29	20,107	1,038,314
84	CFSB Corp. Dallas	thrift	19,864	42,373	46.88	1,862	451,172
85	Matrix Bancorp Inc. Denver	thrift	47,836	102,207	46.80	28,584	1,524,968
86	Irwin Financial Corp.,	bank	248,768	535,196	46.48	161,573	5,052,872
87	Indymac Bancorp Inc. Pasadena, Calif.	thrift	340,517	736,654	46.22	294,101	12,020,632
88	Huntington Bancshares Inc. Columbus, Ohio	bank	821,949	1,792,608	45.85	555,894	30,145,494
89	Capital One Financial Corp. Falls Church, Va.	thrift	736,613	1,621,624	45.42	746,293	12,504,744
90	Lincoln Savings Bank Corp. Lincoln, Ill.	bank	5,490	12,099	45.38	2,437	170,925
91	Farmers and Merchants Bank Milford, Neb.	bank	39,981	88,263	45.30	34,019	1,355,122
92	J.P. Morgan Chase & Co. New York	bank	14,445,000	32,275,000	44.76	12,758,000	792,700,000
93	Blue Valley Banc Corp. Overland Park, Kan.	bank	18,941	42,482	44.59	12,621	621,428
94	C&F Financial Corp. West Point, Va.	bank	22,741	51,910	43.81	14,704	563,572
95	Amalgamated Investments Co. Chicago	bank	14,864	34,255	43.39	14,113	675,598
96	Charter Cos. Inc. Albuquerque	thrift	22,165	51,962	42.66	9,331	740,708
97	Fidelity Federal Bancorp Evansville, Ill.	thrift	3,364	7,891	42.63	1,429	154,256
98	First Federal Capital Corp. La Crosse, Wis.	thrift	76,693	180,133	42.58	45,810	3,021,532
99	North Shore Financial Corp. Duluth, Minn.	bank	4,734	11,121	42.57	2,821	168,544
	Marshall & Ilsley Corp.Milwaukee	bank	876,470	2,059,112	42.57	770,877	33,768,617
101	B.F. Saul REIT Chevy Chase, Md.	thrift	255,485	603,303	42.35	158,115	11,795,813
102	Banker's Bancorp of the West Inc. Denver	bank	4,715	11,146	42.30	3,635	312,848
103	American Midwest Financial Rochester, Ind.	thrift	9,587	22,762	42.12	7,368	366,842
104	WBSB Bancorp MHC West Bend, Wis.	thrift	8,205	19,547	41.98	5,802	337,912
105	Arbor Bancorp Inc. Ann Arbor, Mich.	bank	9,175	21,893	41.91	2,096	369,405
106	Honor Bancorp Inc. Honor, Mich.	bank	6,576	15,759	41.73	4,962	185,647
107	California First National Bancorp Irvine	bank	10,895	26,183	41.61	18,141	243,890
108	Countrywide Financial Corp. Calabasas, Calif.	bank	3,288,469	7,909,858	41.57	1,188,531	92,427,140
109	BNC Corp. Inc. Bismarck, N.D.	bank	15,018	36,485	41.16	9,984	595,527
110	Home Loan Financial Corp. Warwick, R.I.	thrift	9,508	23,123	41.12	7,586	289,027
111	BWC Financial Corp. Walnut Creek, Calif.	bank	13,728	33,456	41.03	7,729	463,492
112	Madison Bancshares Group Ltd. Blue Bell, Pa.	bank	6,714	16,469	40.77	4,689	212,219
113	New South Bancshares Inc. Birmingham, Ala.	thrift	43,500	106,757	40.75	32,741	1,372,499
114	Leesport Financial Corp. Wyomissing, Pa.	bank	14,952	36,718	40.72	6,547	589,351
115	Prudential Financial Inc. Newark, N.J.	thrift	12,745	31,373	40.62	9,629	694,706
116	Southwest Community Bancorp Carlsbad, Calif.	bank	6,469	15,945	40.57	NA	307,642
117	Pedcor Bancorp Indianapolis	bank	6,323	15,662	40.37	NA	212,908
118	Wilmington Trust Corp. Del.	bank	189,016	468,638	40.33	194,005	9,145,917
119	Marquette Financial Co. Minneapolis	bank	30,238	75,013	40.31	278,903	1,062,575
120	Cavalry Bancorp Inc. Murfreesboro, Tenn.	bank	11,526	28,664	40.21	8,127	475,703
121	Cowlitz Bancorp. Longview, Wash.	bank	8,379	20,975	39.95	8,125	273,574
122	Alerus Financial Corp. Grand Forks, N.D.	bank	13,061	32,751	39.88	9,342	505,204
123	Boston Private Financial Holdings	bank	45,508	114,312	39.81	37,715	2,097,233
124	Citigroup Inc. New York	bank	27,488,000	69,774,000	39.40	25,855,000	1,208,923,000
125	Community Financial Services Atlanta	bank	29,012	73,660	39.39	22,992	1,447,826
126	Bank One Corp. Chicago	bank	6,105,000	15,573,000	39.20	5,940,000	290,006,000
127	Wells Financial Corp. Wells, Minn.	thrift	5,360	13,840	38.73	3,016	218,113
128	USAA Bancorp Inc. San Antonio	thrift	368,136	950,889	38.71	288,663	13,227,674
129	Ameribancshares Inc. Wichita Falls, Tex.	bank	5,451	14,093	38.68	4,694	249,940
130	Capitol Bancorp. Inc. Britton, S.D.	bank	20,313	52,716	38.53	22,436	512,283
131	TCF Financial Corp. Wayzata, Minn.	bank	312,237	813,626	38.38	300,260	11,379,004
132	Illinois National Bancorp Springfield	bank	5,955	15,561	38.27	4,138	270,475
133	U.S. Bancorp Minneapolis	bank	4,328,300	11,332,300	38.19	4,153,100	188,835,000
134	Wachovia Corp. Charlotte	bank	6,808,000	17,905,000	38.02	5,889,000	388,767,000
135	Regions Financial Corp. Birmingham, Ala.	bank	1,009,355	2,688,209	37.55	811,468	49,073,478
136	Peoples Bancorp. Inc. Easley, S.C.	bank	9,265	25,022	37.03	4,259	425,687
137	Bridgeview Bancorp Inc. Ill.	bank	18,107	49,474	36.60	25,808	957,032
138	Cullen/Frost Bankers Inc. San Antonio	bank	160,194	439,144	36.48	155,502	9,711,435
139	Great River Financial Group Burlington, Iowa	bank	5,418	14,905	36.35	4,489	243,853
140	Bankers' Bancorp Inc. Springfield, Ill.	bank	5,798	15,954	36.34	4,855	420,472
141	First Security Bancorp., Searcy, Ark.	bank	34,300	94,503	36.30	29,625	1,514,686
142	Mid-Missouri Bancshares Inc. Springfield	bank	6,946	19,165	36.24	4,878	322,033
143	Somerset Hills Bancorp Bernardsville, N.J.	bank	3,468	9,586	36.18	NA	184,338
144	Outsource Capital Group Inc. Lubbock, Tex.	bank	5,965	16,521	36.11	6,001	190,775
145	Mercantile Financial Corp. Cincinnati	thrift	1,645	4,565	36.04	810	70,493
146	Pacific Coast Bankers Bankshares San Francisco	bank	2,606	7,247	35.96	NA	216,833
147	Pulaski Financial St. Louis	thrift	8,935	24,882	35.91	5,109	398,772
	Homestar Financial Group Inc. Manteno, Ill.	bank	8,687	24,192	35.91	4,279	379,311
149	Liberty Capital Inc. Hillsboro, Ohio	thrift	34,306	95,671	35.86	12,261	1,792,947
150	Wells Fargo & Co.	bank	8,238,000	23,017,000	35.79	6,810,000	390,813,000

Note: Data for bank holding companies from consolidated Y-9C reports. Data for thrift holding companies estimated from sum of thrift subsidiaries.