Bank and Thrift Holding Companies with Highest Noninterest Income Ratios

October 14, 2005, 10:08 a.m. EDT 1 Min Read

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Bank and Thrift Holding Companies with Highest Noninterest Income Ratios
In the first quarter 2005. Dollars in thousands Published October 14, 2005
Related Table: Leaders in Noninterest Income Growth and in Total Income
Rank		type of holding company	Income			1Q '04 noninterest	March 31 '05 assets
Rank		type of holding company	Noninterest	Total	% noninterest	1Q '04 noninterest	March 31 '05 assets
1	Morgan Stanley Trust New York	thrift	$46,426	$46,832	99.13%	$45,420	$803,762
2	Nationwide Financial Services Columbus, Ohio	thrift	35,649	35,977	99.09	22,771	72,016
3	Marin National Bancorp Las Vegas	thrift	4,865	4,999	97.32	20,256	136,264
4	Franklin Resources Inc. San Mateo, Calif.	bank	1,049,723	1,081,420	97.07	879,730	8,701,812
5	Ocwen Financial Group West Palm Beach	thrift	48,084	49,868	96.42	47,094	760,267
6	Merrill Lynch and Co. New York	thrift	29,891	31,603	94.58	29,471	213,907
7	Ameri-National Corp. Leawood, Kan.	bank	70,383	74,760	94.15	11,521	428,028
8	Bessemer Group Inc. Woodbridge Township, N.J.	bank	52,189	58,474	89.25	50,567	1,060,068
9	Silver Queen Financial Services Aspen, Colo.	thrift	3,918	4,450	88.04	4,372	46,748
10	First Community Bancshares Inc. Houston	bank	43,971	50,916	86.36	30,516	821,704
11	Sumitomo Trust and Banking Co. Osaka	foreign	15,485	18,665	82.96	13,872	379,504
12	Mellon Financial Corp. Pittsburgh	bank	1,070,189	1,323,820	80.84	1,076,698	37,560,413
13	First Eastern Bankshares Andover, Mass.	thrift	2,235	2,799	79.85	2,662	61,285
14	Gateway Bancorp Santa Ana, Calif.	bank	11,004	13,905	79.14	9,661	227,061
15	First Investors Consolidated New York	thrift	1,539	1,949	78.96	1,541	53,575
16	Unison Bancorp Inc. Lenexa, Kan.	thrift	2,198	2,806	78.33	146	45,587
17	Liberty Financial Services St. Cloud, Minn.	thrift	4,253	5,660	75.14	2,181	125,219
18	Fort Riley Bancshares Kan.	thrift	757	1,021	74.14	808	30,324
19	Fidelity and Trust Financial Corp. Bethesda, Md.	bank	8,909	12,149	73.33	NA	232,227
20	Premier Bancshares Inc. Garland, Tex.	thrift	3,879	5,418	71.59	1,645	85,076
21	Woodforest Financial Group The Woodlands, Tex.	bank	48,731	68,228	71.42	33,566	1,783,600
22	CU Bank Shares Inc. Farmers Branch, Tex.	bank	19,372	27,171	71.3	17,247	604,505
23	MetLife Inc. New York	bank	7,408,384	10,532,324	70.34	6,620,052	362,672,292
24	United National Corp. Sioux Falls, S.D.	bank	128,311	186,274	68.88	132,821	1,113,736
25	Palm Desert Investments Calif.	bank	5,593	8,224	68.01	6,164	260,161
26	Lauritzen Corp. Omaha	bank	22,799	33,745	67.56	17,134	1,203,482
27	Independent Community Bancorp Frankfort, Ky.	thrift	1,099	1,645	66.81	1,031	45,400
28	TBHC Inc. Centennial, Colo.	thrift	614	923	66.52	245	62,200
29	Kansas Natural Gas Inc. Hays, Kan.	bank	4,186	6,368	65.73	3,741	214,754
30	Charles Schwab Corp. San Francisco	bank	787,417	1,198,601	65.69	983,896	46,404,900
31	Bankers Bancorp. Inc. Madison, Wis.	bank	4,446	6,782	65.56	4,786	281,811
32	State Street Corp. Boston, Mass.	bank	1,096,922	1,699,869	64.53	1,013,092	100,114,024
33	Commonwealth Savingshares Corinth, Miss.	thrift	8,443	13,628	61.95	6,342	446,570
34	Bank of New York Co. Inc.	bank	1,165,000	1,897,000	61.41	1,197,400	96,578,000
35	Farmers and Merchants Invest Lincoln, Neb.	bank	26,321	43,077	61.1	10,010	1,303,592
36	MBNA Corp. Wilmington, Del.	bank	1,666,857	2,735,814	60.93	1,943,071	61,426,108
37	Farmers State Bankshares Cheyenne, Wyo.	thrift	1,421	2,364	60.11	194	75,626
38	Dean Witter, Discover and Co. New York	thrift	653,903	1,091,303	59.92	749,183	18,512,436
39	SCB Bancorp Inc. Decatur, Ill.	bank	4,172	6,980	59.77	4,074	259,034
40	Countrywide Financial Corp. Calabasas, Calif.	bank	2,348,315	3,990,999	58.84	1,142,929	137,033,041
41	Cenlar Capital Corp. Princeton, N.J.	thrift	7,847	13,474	58.24	5,724	447,570
42	Louisville Development Bancorp Ky.	thrift	526	917	57.36	4	34,734
43	Northern Trust Corp. Chicago	bank	449,245	792,819	56.66	426,439	47,761,320
44	UCSB Financial Corp. Fort Wayne, Ind.	thrift	74	131	56.49	10	14,771
45	Synovus Financial Corp. Columbus, Ga.	bank	424,840	756,146	56.18	377,155	25,857,636
	Tulsa National Bancshares	bank	2,872	5,112	56.18	2,271	170,493
47	Ocean Financial Corp. Warwick, R.I.	thrift	4,122	7,343	56.14	2,097	247,669
48	J. R. Montgomery Bancorp. Lawton, Okla.	bank	2,787	4,981	55.95	2,305	197,922
49	Cass Information Systems Inc. Bridgeton, Mo.	bank	10,791	19,332	55.82	9,326	736,470
50	University Bancorp Inc. Ann Arbor, Mich.	thrift	983	1,785	55.07	750	52,397
51	PNC Financial Services Group Pittsburgh	bank	980,879	1,784,761	54.96	901,276	83,392,942
52	Pulaski Investment Corp. Little Rock	bank	7,227	13,198	54.76	4,864	425,762
53	Investors Financial Services Boston	bank	117,827	216,375	54.45	106,268	11,885,940
54	Jones Financial Co. Maryland Heights, Mo.	thrift	2,753	5,078	54.21	2,303	173,368
55	Marshall BankFirst Corp. Minneapolis	bank	7,009	12,930	54.21	NA	574,762
56	BBOK Bancshares Inc. Wichita	thrift	1,195	2,220	53.83	1,023	82,847
57	Delta Investment George Town, Cayman Islands	foreign	3,348	6,302	53.13	3,556	336,395
58	Capital One Financial Corp. McLean, Va.	bank	1,495,168	2,842,175	52.61	NA	55,631,566
59	Access National Corp. Reston, Va.	bank	6,153	11,772	52.27	6,261	447,344
60	UMB Financial Corp. Kansas City, Mo.	bank	66,117	126,847	52.12	60,732	6,914,932
61	Cuna Mutual Insurance Society Madison	thrift	221	433	51.04	110	23,202
62	American National Bancorp Parma, Ohio	thrift	480	943	50.9	504	30,386
63	Deutsche Bank Frankfurt	foreign	297,728	594,272	50.1	367,744	36,069,838
64	Timberline Bancorp. Grand Junction, Colo.	thrift	229	459	49.89	0	22,618
65	Approved Financial Corp. Virginia Beach	thrift	907	1,830	49.56	14	95,787
66	Southeastern Financial Inc. Tuscaloosa, Ala.	thrift	1,482	3,007	49.29	1,269	120,837
67	First National Bankers Banks Baton Rouge, La.	bank	2,968	6,029	49.23	1,462	390,272
68	First Western Financial Inc. Denver	thrift	466	958	48.64	0	57,634
69	Irwin Financial Corp. Columbus, Ind.	bank	83,072	171,174	48.53	82,599	5,556,156
70	BNCcorp Inc. Bismarck, N.D.	bank	7,772	16,129	48.19	6,007	679,084
71	Alerus Financial Corp. Grand Forks, N.D.	bank	7,408	15,449	47.95	4,980	611,398
72	Liberty Shares Inc. Hinesville, Ga.	bank	3,811	7,951	47.93	3,661	313,740
73	Waterfield Mortgage Co. Fort Wayne, Ind.	thrift	34,750	72,712	47.79	43,705	3,425,507
74	First Horizon National Corp. Memphis	bank	341,421	726,266	47.01	369,130	35,160,075
75	Rurban Financial Corp. Defiance, Ohio	bank	4,420	9,464	46.7	4,274	414,480
76	JPMorgan Chase & Co. New York	bank	9,285,000	19,917,000	46.62	6,103,000	1,178,305,000
77	National Consumer Co-op Bank Washington	thrift	10,161	22,092	45.99	11,090	869,361
78	Bankers Bancorp. of Florida Lake Mary	bank	2,872	6,270	45.81	2,231	314,320
79	Great River Financial Group Burlington, Iowa	bank	2,792	6,116	45.65	1,940	300,083
80	Boston Private Financial Holdings	bank	31,732	69,563	45.62	23,805	3,617,280
81	Bankers Bancorp of Oklahoma Oklahoma City	thrift	1,137	2,493	45.61	1,035	132,528
82	Great American Bancorp Inc. Champaign, Ill.	thrift	1,651	3,631	45.47	946	156,563
83	Independent Bankers Financial Corp Irving, Tex.	bank	12,160	26,977	45.08	11,609	1,324,390
84	Marshall & Ilsley Corp. Milwaukee	bank	397,216	889,132	44.67	303,628	41,730,325
85	Pierce County Bancorp Tacoma, Wash.	bank	1,876	4,218	44.48	NA	173,522
86	Lolyn Financial Corp. Raymore, Mo.	thrift	796	1,794	44.37	510	83,902
87	First Independence Corp. Detroit	bank	1,692	3,822	44.27	826	165,637
88	Indymac Bancorp Inc. Pasadena, Calif.	thrift	165,801	375,079	44.2	93,313	16,809,646
89	Tennessee Central Bancshares Parsons	bank	3,414	7,827	43.62	2,056	296,032
90	B.F. Saul REIT Chevy Chase, Md.	thrift	101,037	234,106	43.16	94,228	13,783,711
91	First Mazon Bancorp Inc. Ill.	thrift	628	1,464	42.9	198	72,639
92	Sargent Investors Inc. Cranston, R.I.	thrift	2,522	5,936	42.49	2,684	214,774
93	Sandhills Holding Co. North Myrtle Beach, S.C.	thrift	684	1,614	42.38	644	60,760
94	CCB Corp. Kansas City, Mo.	bank	4,655	11,145	41.77	4,618	544,076
95	Maedgen and White Ltd. Dallas	thrift	23,891	57,734	41.38	26,382	2,424,563
96	Innovative Bancorp Oakland, Calif.	thrift	1,266	3,061	41.36	534	123,136
97	Marquette Financial Cos. Minneapolis	bank	16,936	41,058	41.25	12,460	1,339,775
98	Pilot Point Bancorp Inc. Pilot Point, Tex.	bank	2,054	4,984	41.21	1,260	220,876
99	Arkansas Bankers Bancorp Little Rock	bank	1,185	2,887	41.05	1,726	196,424
100	Eberly Investment Co. Stanton, Neb.	thrift	249	610	40.82	41	29,241
101	Priority One Holding Co. Springdale, Ark.	thrift	455	1,119	40.66	400	35,875
102	United Bankers Bancorp Bloomington, Minn.	bank	2,231	5,543	40.25	2,488	295,856
103	Maham Bank Zurich	foreign	2,488	6,198	40.14	2,211	298,077
104	Bankers Bank of the West Bancorp Denver	bank	2,204	5,495	40.11	1,944	341,937
	Wilmington Trust Corp. Del.	bank	75,925	189,275	40.11	71,384	9,618,559
106	California First National Bancorp Irvine	bank	3,430	8,584	39.96	4,506	266,634
107	Amalgamated Investments Co. Chicago	bank	4,708	11,840	39.76	4,670	654,689
108	Volunteer State Bancshares Portland, Tenn.	bank	1,724	4,339	39.73	1,566	195,127
109	Mitsubishi Trust and Banking Co. Tokyo	foreign	3,018	7,607	39.67	5,736	726,635
110	Midwest Bankers Bancorp Jefferson City, Mo.	bank	1,743	4,394	39.67	1,416	214,331
111	National Banking Corp. North Little Rock	bank	1,391	3,508	39.65	NA	169,839
112	Commerce Bancshares Corp. Worcester, Mass.	bank	7,804	19,843	39.33	15,577	1,087,814
113	Dickinson Financial Corp II Kansas City, Mo.	bank	30,037	76,902	39.06	36,335	3,609,658
114	Citigroup Inc. New York	bank	11,189,000	28,724,000	38.95	9,977,000	1,489,891,000
115	Capitol Bancorp. Inc. Britton, S.D.	bank	7,883	20,295	38.84	6,596	510,493
116	Net.Bank Inc. Roswell, Ga.	thrift	35,958	92,613	38.83	32,986	4,727,097
117	Southern National Banks Fort Walton Beach, Fla.	bank	3,006	7,753	38.77	1,901	432,436
118	Wells Fargo & Co. San Francisco	bank	3,640,000	9,513,000	38.26	3,059,000	434,610,000
119	Ginger Murchison Foundation Athens, Tex.	bank	1,358	3,571	38.03	515	249,068
120	HSBC Holdings PLC London	foreign	836,931	2,207,242	37.92	627,670	140,651,042
121	PASL Holding LLC New York	thrift	2,975	7,890	37.71	2,586	309,071
122	Platinum Bancshares Inc. Chicago	thrift	837	2,222	37.67	579	125,949
123	TCF Financial Corp. Wayzata, Minn.	bank	105,268	279,633	37.65	102,074	12,856,073
124	KSB Ltd. Keokuk, Iowa	thrift	757	2,022	37.44	563	98,894
125	U.S. Bancorp Minneapolis	bank	1,444,000	3,879,000	37.23	1,321,900	198,466,000
126	Madison Bancshares Inc. Neb.	thrift	428	1,156	37.02	68	54,333
127	Greater Atlantic Financial Corp. Reston, Va.	thrift	2,407	6,517	36.93	1,589	383,120
128	JD Financial Group Inc. Chicago	thrift	269	731	36.8	333	32,090
129	USAA Bancorp Inc. San Antonio	thrift	138,154	376,276	36.72	112,683	17,761,034
130	Extraco Corp. Waco, Tex.	bank	5,666	15,517	36.51	5,764	886,465
131	First Eldorado Bancshares Tex.	thrift	295	809	36.46	77	41,475
132	BTS Bancshares Inc. Huntsville, Ark.	thrift	540	1,482	36.44	113	62,789
133	PB Financial Group Inc. Denver	thrift	1,165	3,209	36.3	1,222	132,134
134	Donnelly Bancshares Inc. Morris, Minn.	thrift	186	513	36.26	33	26,974
135	Oneida Financial MHC N.Y.	thrift	2,927	8,094	36.16	2,567	421,805
136	Evans Bancorp Inc. Angola, N.Y.	bank	2,935	8,134	36.08	2,187	457,476
137	Hy-Vee Food Stores Inc. Chariton, Iowa	thrift	952	2,652	35.9	581	122,327
138	Fort Davis Bancshares Inc. Tex.	thrift	305	857	35.59	230	52,210
139	Towner County Financial Corp. Cando, N.D.	thrift	284	800	35.5	187	38,921
140	Wachovia Corp. Charlotte	bank	2,997,000	8,450,000	35.47	2,761,000	506,833,000
141	Greater Bay Bancorp Palo Alto, Calif.	bank	50,060	141,858	35.29	46,039	6,972,833
142	Main Street Bancorp Inc. Northville, Mich.	thrift	271	769	35.24	0	46,859
143	Summit Financial Group Inc. Moorefield, W.Va.	bank	6,667	18,960	35.16	4,923	907,132
144	First Citizens Bancshares Waxahachie, Tex.	bank	3,087	8,786	35.14	2,185	406,123
145	Colonial Holding Co. Fort Worth, Tex.	thrift	6,705	19,160	34.99	4,896	975,474
146	Transcommunity Financial Corp. Glen Allen, Va.	thrift	1,157	3,310	34.95	95	147,387
147	Nbank Corp. Commerce, Ga.	bank	3,580	10,255	34.91	4,076	380,789
148	Community First Holdings Baltimore	thrift	474	1,358	34.9	108	68,839
149	Georgia-Carolina Bancshares Inc. Augusta, Ga.	bank	2,477	7,108	34.85	2,351	339,645
150	Audubon Investment Co. Carroll, Iowa	thrift	434	1,246	34.83	431	66,764

Note: Data for bank holding companies from Y-9C forms. Data for thrift holding companies estimated from sum of thrift subsidiaries. Holding companies of commercial banks and savings banks derived from Y-9 filings.
Source: Highline Banking Data Services (877-305-6657)
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