Bank and Thrift Holding Companies with Highest Noninterest Income Ratios

April 20, 2006, 10:08 a.m. EDT 1 Min Read

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Bank and Thrift Holding Companies with Highest Noninterest Income Ratios
In 2005. Dollars in thousands Published April 20, 2006
				Income
		Ultimate parent	Type of holding company	Noninterest	Total	Noninterest	2004 Noninterest	Dec. 31 Assets
1	Putnam Fiduciary Trust Co. Boston	Marsh & McLennan Cos. Inc., New York	bank	$433,978	$433,030	100.22%	$480,439	$402,272
2	FMR Corp. Boston	none	bank	398,167	399,218	99.74	368,033	173,114
3	FDS Bank Mason, Ohio	Federated Department Stores Inc., New York	thrift	579,222	581,464	99.61	187,644	404,524
4	Boston Trust and Investment Management Co.	none	bank	20,267	20,358	99.55	7,480	39,694
5	Escrow Bank USA Midvale, Utah	General Motors Corp., Detroit	bank	115,615	116,472	99.26	44,413	40,037
6	Legg Mason Trust Co.Baltimore	none	bank	19,186	19,363	99.09	NA	31,153
7	Nationwide Trust Co. FSB Columbus, Ohio	Nationwide Mutual Insurance Co., Columbus, Ohio	thrift	163,785	165,472	98.98	108,760	108,026
8	HSBC Bank Nevada Las Vegas	HSBC Holdings PLC, London	bank	1,840,095	1,859,114	98.98	1,753,460	2,418,559
9	TIAA-CREF Trust Co. FSB Saint Louis, Mo.	TIAA Board of Overseers, New York	thrift	17,088	17,282	98.88	14,970	16,253
10	Talbots Classics National Bank Lincoln, R.I.	none	bank	7,156	7,243	98.8	6,620	10,384
11	First National Bank of Marin Las Vegas	none	bank	65,283	66,201	98.61	87,065	92,379
12	Credit First Brook Park, Ohio	none	bank	11,674	11,840	98.6	10,084	6,535
13	SEI Private Trust Co. Oaks, Pa.	SEI Investments Co., Oaks, Pa.	thrift	116,799	118,544	98.53	95,500	61,659
14	InaTrust FSB Wilmington, Del.	ACE Ltd., Hamilton, Bermuda	thrift	1,491	1,514	98.48	225	3,412
15	JLB Service Bank New Castle, Del.	none	bank	3,427	3,495	98.05	5,112	3,487
16	National Advisors Trust Co. FSB Overland Park, Kan.	National Advisors Holdings Inc., Overland Park, Kan.	thrift	3,159	3,222	98.04	2,218	4,021
17	Davidson Trust Co. Great Falls, Mont.	DADCO Inc., Great Falls, Mont.	thrift	5,430	5,548	97.87	6,008	4,899
18	MMA Trust Co. Goshen, Ind.	Mennonite Mutual Aid Association, Goshen, Ind.	thrift	1,946	1,990	97.79	1,509	3,074
19	Chevron Credit Bank Murray, Utah	none	bank	82,724	84,789	97.56	77,256	131,216
20	Franklin Resources Inc. San Mateo, Calif.	none	bank	4,528,672	4,653,006	97.33	3,644,305	8,891,541
21	Amvescap National Trust Co. Atlanta	none	bank	46,560	48,013	96.97	43,688	249,798
22	Capital Bank and Trust Co. Brea, Calif.	Capital Group Cos. Inc., Los Angeles	thrift	88,482	91,259	96.96	75,346	103,818
23	FBR National Trust Co. Arlington, Va.	none	bank	8,332	8,624	96.61	9,315	18,410
24	Cedar Hill National Bank Lawrenceville, Ga.	none	bank	4,376	4,541	96.37	3,791	9,345
25	Spirit of America National Bank Milford, Ohio	none	bank	17,691	18,442	95.93	13,171	27,330
26	Guardian Trust Co. FSB New York	Guardian Life Insurance Co. of America, New York	thrift	4,267	4,459	95.69	3,026	7,078
27	Northwestern Mutual Wealth Management Milwaukee	Northwestern Mutual Life Insurance Co., Milwaukee	thrift	4,769	5,005	95.28	3,099	12,006
28	Exante Bank Inc. Salt Lake City	UnitedHealth Group Inc., Minnetonka, Minn.	bank	27,628	29,044	95.12	22,444	87,895
29	Independence Trust Co. Franklin, Tenn.	Independence Holding Corp., Franklin, Tenn.	thrift	1,639	1,730	94.74	1,259	2,866
30	Country Trust Bank Bloomington, Ill.	Illinois Agricultural Association, Bloomington	thrift	14,619	15,637	93.49	12,954	28,802
31	First Electronic Bank Draper, Utah	none	bank	2,786	2,983	93.4	818	11,402
32	Mizuho Trust and Banking Co. USA New York	Mizuho Financial Group Inc. Tokyo	bank	31,073	33,326	93.24	29,610	87,715
33	Frontier Trust Co. FSB Fargo, N.D.	AXA, Paris	thrift	7,470	8,028	93.05	6,416	11,746
34	Target National Bank Sioux Falls, S.D.	none	bank	312,613	336,311	92.95	350,064	162,532
35	Target Bank Salt Lake City	Target Corp. Minneapolis	bank	1,084	1,167	92.89	169	14,905
36	BBVA Bancomer Financial Holdings Inc. Houston	Banco Bilbao Vizcaya Argentaria SA Bilbao, Spain	bank	83,440	90,008	92.7	77,638	227,248
37	Sumitomo Trust and Banking Co. Hoboken, N.J.	Sumitomo Trust and Banking Co. Ltd. Osaka	bank	62,073	67,027	92.61	55,475	462,929
38	A.G. Edwards Trust Co. FSB Saint Louis, Mo.	A.G. Edwards Inc., Saint Louis, Mo.	thrift	28,595	30,885	92.59	27,236	58,727
39	World Financial Network National Bank Gahanna, Ohio	none	bank	550,247	594,619	92.54	510,723	781,369
40	Pier 1 National Bank Omaha	none	bank	737	800	92.13	706	2,741
41	Philadelphia Trust Co.	none	bank	6,906	7,509	91.97	6,318	28,713
42	Worlds Foremost Bank Sidney, Neb.	none	bank	164,214	179,893	91.28	121,066	262,799
43	Bessemer Group Inc. Woodbridge, N.J.	none	bank	223,921	246,784	90.74	205,325	1,268,694
44	DSRM National Bank Albuquerque	none	bank	680	756	89.95	661	3,081
45	First National Bank Hays, Kan.	none	bank	25,387	28,273	89.79	835	83,994
46	Haverford Trust Co. Radnor, Pa.	none	bank	19,406	21,861	88.77	19,359	146,843
47	Mellon Financial Corp. Pittsburgh	none	bank	4,300,378	4,846,931	88.72	4,141,184	38,773,216
48	Belk National Bank Lawrenceville, Ga.	none	bank	660	746	88.47	586	12,940
49	GMAC Automotive Bank Midvale, Utah	none	bank	121,082	138,647	87.33	7,200	2,429,481
50	Ameri-National Corp. Overland Park, Kan.	none	bank	81,795	93,751	87.25	53,507	650,795
51	First Community Bancshares Inc. Houston	none	bank	166,311	190,741	87.19	132,749	793,198
52	Synergy Bank, SSB Waco, Tex.	Premier Bancshares Inc., Garland, Tex.	bank	18,559	21,517	86.25	13,188	75,927
53	Nordstrom FSB Scottsdale, Ariz.	Nordstrom Inc., Seattle	thrift	128,632	150,474	85.48	87,433	264,818
54	Gateway Bancorp Santa Ana, Calif.	none	bank	45,623	53,638	85.06	42,998	167,304
55	Advanta Corp. Spring House, Pa.	none	bank	357,739	421,777	84.82	336,491	1,772,008
56	State Street Corp. Boston	none	bank	4,567,197	5,472,915	83.45	4,048,366	97,995,766
57	MassMutual Trust Co. Enfield, Conn.	Massachusetts Mutual Life Insurance Co., Springfield	thrift	2,745	3,295	83.31	1,631	14,395
58	AztecAmerica Bank Berwyn, Ill.	AztecAmerica Financial Group Inc. Berwyn, Ill.	bank	323	392	82.4	NA	19,070
59	Seattle Savings Bank	Seattle Financial Group Inc.	bank	46,878	57,398	81.67	42,482	373,667
60	Taunus Corp. New York	Deutsche Bank, Frankfurt	bank	5,578,000	6,844,000	81.5	5,417,000	364,693,000
61	Fidelity and Trust Financial Corp. Bethesda, Md.	none	bank	38,000	46,950	80.94	NA	367,070
62	Trust Industrial Bank Denver	Fiserv Inc., Brookfield, Wis.	bank	249	312	79.81	141	2,635
63	Excel National Bank Beverly Hills	none	bank	2,184	2,754	79.3	NA	23,636
64	CU Bank Shares Inc. Dallas	none	bank	81,844	103,626	78.98	74,187	784,135
65	TriCentury Bank Simpson, Kan.	Astra Financial Corp., Prairie Village, Kan.	bank	590	751	78.56	92	5,498
66	Fort Riley National Bank Kan.	Fort Riley Bancshares Inc., Fort Riley, Kan.	bank	3,219	4,118	78.17	3,523	28,535
67	First Investors Federal Savings Bank Edison, N.J.	First Investors Consolidated Corp., New York	thrift	6,286	8,061	77.98	6,549	53,848
68	Woodforest Financial Group Inc. The Woodlands, Tex.	none	bank	199,776	259,257	77.06	152,274	1,863,709
69	Bankers Bank of Kentucky Inc. Frankfort	Independent Community Bancorp Inc., Frankfort, Ky.	bank	4,650	6,141	75.72	4,290	41,445
70	Merchants Bank of California Carson	none	bank	11,156	14,827	75.24	8,927	105,569
71	Volvo Commercial Credit Corp of Utah Salt Lake City	Volvo Commercial Finance, Greensboro, N.C.	bank	2,251	3,003	74.96	3,028	13,165
72	Northern Trust Corp. Chicago	none	bank	1,963,440	2,625,246	74.79	1,710,692	53,413,797
73	Investors Financial Services Corp. Boston	none	bank	514,444	695,962	73.92	427,941	12,103,390
74	ITS Bank Johnston, Iowa	none	bank	176	239	73.64	172	2,708
75	Borrego Springs Bank La Mesa, Calif.	none	bank	11,107	15,236	72.9	11,824	88,529
76	Countrywide Financial Corp. Calabasas, Calif.	none	bank	7,985,658	10,956,847	72.88	4,226,652	175,085,370
77	MBNA Corp. Wilmington	none	bank	7,385,871	10,148,221	72.78	8,245,327	61,862,462
78	MetLife Inc. New York	none	bank	32,038,334	44,024,776	72.77	27,336,746	481,645,114
79	Merrill Lynch & Co. Inc. New York	none	thrift	585,105	804,850	72.7	539,467	10,700,702
80	University Bank Ann Arbor, Mich.	University Bancorp Inc., Ann Arbor, Mich.	bank	5,984	8,248	72.55	3,382	64,398
81	Lauritzen Corp. Omaha	none	bank	72,452	100,076	72.4	74,145	1,219,398
82	Wyoming Bank and Trust Cheyenne	Farmers State Bankshares Inc., Cheyenne, Wyo.	bank	7,528	10,433	72.16	2,086	80,101
83	Palm Desert Investments Calif.	none	bank	21,570	29,912	72.11	24,337	298,931
84	Cenlar FSB Trenton, N.J.	Cenlar Capital Corp., Ewing, N.J.	thrift	35,937	49,840	72.1	24,970	476,554
85	Bankers Bank Northeast	Glastonbury, Conn.	bank	4,405	6,126	71.91	4,732	75,334
86	Western National Bank Lenexa, Kan.	Unison Bancorp Inc., Lenexa, Kan.	bank	3,027	4,212	71.87	536	33,583
87	Charles Schwab Corp. San Francisco	none	bank	3,209,398	4,470,664	71.79	3,266,069	47,351,142
88	Bank of New York Co. Inc.	none	bank	4,918,000	6,865,000	71.64	4,613,687	102,157,000
89	Richland State Bank Bruce, S.D.	none	bank	1,530	2,137	71.6	1,320	26,469
90	Bankers Bancorp. Inc. Madison, Wis.	none	bank	17,758	24,930	71.23	18,684	299,591
91	Kansas Natural Gas Inc. Hays	none	bank	18,432	26,085	70.66	13,685	222,888
92	United National Corp. Sioux Falls, S.D.	none	bank	502,075	718,002	69.93	439,772	1,153,152
93	Marshall Bankfirst Corp. Minneapolis	none	bank	18,898	27,208	69.46	NA	593,529
94	Delta Investment Co. George Town, Cayman Islands	none	bank	14,463	20,939	69.07	13,821	296,709
95	American Home Bank Mountville, Pa.	none	bank	9,530	13,883	68.65	24,500	163,301
96	Tulsa National Bancshares Inc.	none	bank	12,325	17,987	68.52	9,968	182,997
97	Greensfork Township State Bank Spartanburg, Ind.	none	bank	3,634	5,397	67.33	3,837	96,997
98	Access National Corp. Reston, Va.	none	bank	31,466	46,738	67.32	26,451	537,050
99	PNC Financial Services Group Inc. Pittsburgh	none	bank	4,203,316	6,315,234	66.56	3,517,169	91,992,332
100	Synovus Financial Corp. Columbus, Ga.	none	bank	1,918,016	2,887,324	66.43	1,520,938	27,634,551
101	Pulaski Investment Corp. Little Rock	none	bank	39,165	58,964	66.42	30,941	471,631
102	JPMorgan Chase & Co. New York	none	bank	36,318,000	54,914,000	66.14	26,380,000	1,198,942,000
103	Nextier Inc. Butler, Pa.	none	bank	33,965	51,560	65.87	10,766	503,525
104	American Express Bank Salt Lake City	American Express Co., New York	thrift	2,360,510	3,612,910	65.34	1,640,092	15,544,610
105	Mitsubishi UFJ Trust and Banking Corp. New York	Mitsubishi UFJ Financial Group Inc., Tokyo	bank	12,453	19,157	65	15,823	492,668
106	Southern Horizon Bank Leary, Ga.	none	bank	1,461	2,258	64.7	1,524	19,777
107	Boone National Savings and Loan Association Columbia, Mo.	Jones Financial Cos., Des Peres, Mo.	thrift	10,451	16,339	63.96	8,817	161,795
108	Transportation Alliance Bank Inc. Ogden, Utah	Flying J Inc., Ogden, Utah	bank	23,875	37,444	63.76	11,473	341,456
109	J. R. Montgomery Bancorp. Lawton, Okla.	none	bank	13,341	20,960	63.65	10,467	219,052
110	Morgan Stanley New York	none	thrift	2,567,013	4,034,957	63.62	3,002,081	23,729,165
111	Applied Card Bank Wilmington, Del.	none	bank	263,100	413,696	63.6	269,839	845,941
112	Independent Bankers Financial Corp. Irving, Tex.	none	bank	52,458	82,518	63.57	45,228	1,450,902
113	Centennial Bank Englewood, Colo.	TBHC Inc., Centennial, Colo.	bank	2,970	4,691	63.31	1,531	54,892
114	Flower Bank FSB Chicago, Ill.	Umbrella Bancorp Inc., Summit, Ill.	thrift	708	1,119	63.27	-828	46,072
115	Tolleson Wealth Management Inc. Dallas, Tex.	none	bank	6,915	11,011	62.8	NA	202,628
116	Capital One Financial Corp. McLean, Va.	none	bank	6,242,477	9,986,393	62.51	5,883,669	88,701,411
117	Peoples Savings Bank Elma, Iowa	R and J Financial Corp., Charles City, Iowa	bank	4,026	6,444	62.48	250	53,311
118	Pacific Crest Savings Bank Lynnwood, Wash.	Phoenix Holding Inc., Lynnwood, Wash.	bank	8,789	14,124	62.23	6,587	120,789
119	Bankers Bank Oklahoma City	Bankers Bancorp of Oklahoma Inc., Oklahoma City	bank	5,704	9,223	61.85	4,283	155,879
120	SCB Bancorp Inc. Decatur, Ill.	none	bank	14,253	23,102	61.7	13,853	270,431
121	First Western Trust Bank Denver	First Western Financial Inc., Denver	bank	3,209	5,211	61.58	109	118,063
122	American Investors Bank and Mortgage Edina, Minn.	Bank Financial Services Inc., Edina, Minn.	thrift	2,290	3,730	61.39	495	33,872
123	Auto Club Trust FSB Dearborn, Mich.	Auto Club Insurance Association, Dearborn, Mich.	thrift	255	419	60.86	186	4,072
124	Tennessee Central Bancshares Inc. Parsons	none	bank	21,127	34,760	60.78	11,063	311,490
125	First National Bankers Bankshares Inc. Baton Rouge, La.	none	bank	12,379	20,374	60.76	6,206	601,650
126	Georgia Heritage Bank Dallas	none	bank	217	360	60.28	NA	29,804
127	WebBank Salt Lake City	WebFinancial Corp., New York	bank	518	864	59.95	1,150	6,936
128	Union State Bank Kerrville, Tex.	C Bar M Inc., Kerrville, Tex.	bank	2,220	3,703	59.95	501	21,625
129	Union Bank and Trust Co. Minneapolis	none	bank	3,788	6,405	59.14	3,656	71,951
130	Rurban Financial Corp. Defiance, Ohio	none	bank	17,446	29,524	59.09	16,450	530,542
131	Bankers Bank of Kansas Wichita	BBOK Bancshares Inc., Wichita	bank	5,541	9,401	58.94	4,139	100,855
132	Farmers and Merchants Investment Inc. Lincoln, Neb.	none	bank	69,660	118,375	58.85	49,355	1,371,576
133	BNCcorp Inc. Bismarck, N.D.	none	bank	24,950	42,431	58.8	23,072	740,016
134	Custodial Trust Co. Princeton, N.J.	Bear Stearns Cos. Inc., New York	bank	25,776	43,902	58.71	15,593	757,163
135	First Horizon National Corp. Memphis	none	bank	1,393,810	2,377,086	58.64	1,338,009	36,581,677
136	1st Financial Bank USA Dakota Dunes, S.D.	none	bank	58,039	99,158	58.53	32,418	257,289
137	Members Trust Co. Tampa	CUNA Mutual Group, Madison, Wis.	thrift	1,147	1,961	58.49	602	23,469
138	Bank of Powhatan Va.	TransCommunity Financial Corp., Glen Allen, Va.	bank	4,336	7,419	58.44	3,941	74,914
139	PlainsCapital Corp. Dallas	Maedgen and White Ltd., Dallas	bank	128,106	219,849	58.27	112,694	2,690,305
140	Cass Information Systems Inc. Bridgeton, Mo.	none	bank	46,326	80,435	57.59	38,099	818,698
141	UMB Financial Corp. Kansas City, Mo.	none	bank	254,899	442,964	57.54	228,774	8,247,790
142	Public Savings Bank Willow Grove, Pa.	Public Finance Service Inc., Willow Grove, Pa.	bank	1,264	2,207	57.27	1,116	27,135
143	Marshall & Ilsley Corp. Milwaukee	none	bank	1,699,080	2,977,281	57.07	1,408,710	46,295,972
144	Bank of Kenney Ill.	iTeam Cos. Inc., Brookfield, Wis.	bank	373	656	56.86	29	12,887
145	Eaglemark Savings Bank Carson City, Nev.	none	bank	8,272	14,613	56.61	8,255	22,087
146	Bryant Bank Tuscaloosa, Ala.	none	bank	1,750	3,096	56.52	NA	105,236
147	Pierce County Bancorp Tacoma	none	bank	10,147	18,101	56.06	NA	208,159
148	Independence Bank East Greenwich, R.I.	none	bank	2,612	4,699	55.59	2,939	46,620
149	Peoples Bank Oklahoma City	none	bank	2,080	3,754	55.41	712	33,449
150	Pedcor Bancorp Carmel, Ind.	none	bank	11,501	20,899	55.03	18,944	387,962

Notes: Data for bank holding companies from consolidated Y-9C reports. Data for thrift holding companies estimated from sum of thrift subsidiaries. Includes subsidiaries consolidated at the top tier level.
Source:

SNL Financial