Bank and Thrift Holding Companies with Highest Noninterest Income Ratios

November 05, 2009, 3:33 p.m. EST 1 Min Read

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Banks and Thrifts with Highest Noninterest Income RatiosOn June 30, 2008. Dollars in thousands Published November 6, 2009
Rank		Parent name	Type of institution	Income			2Q '08 Noninterest income	Assets
Rank		Parent name	Type of institution	Noninterest	Total net	Ratio	2Q '08 Noninterest income	Assets
1	First-West Texas Bancshares Inc. Midland	none	bank	$2,201	$148	1487.2%	NA	$508,740
2	Gwinnett Community Bank Duluth, Ga.	Community Financial Holding Co. Inc.	bank	173	52	332.7	$244	499,621
3	Gateway Bank FSB San Francisco	SK and LL Wang LLC	thrift	3,310	1,572	210.6	3,839	446,503
4	First Neighborhood Bank Spencer, W.Va.	West-Central Bancorp Inc.	bank	235	127	185.0	150	118,831
5	First Chatham Bank Savannah, Ga.	FCB Financial Corp.	bank	1,098	621	176.8	1,489	580,673
6	Commercial National Bank of Texarkana Texas	Commercial Bancshares Inc.	bank	350	201	174.1	351	182,302
7	Nova Financial Holdings Inc. Berwyn, Pa.	none	bank	813	534	152.2	NA	637,984
8	CU Bank Shares Inc. Dallas	none	bank	31,306	22,600	138.5	30,724	904,254
9	Integra Bank Corp. Evansville, Ind.	none	bank	7,851	5,790	135.6	9,311	3,346,262
10	Aurora Bank FSB Wilmington, Del.	Lehman Brothers Holdings Inc.	thrift	66,229	53,795	123.1	66,220	5,380,617
11	Bankers’ Bancorp Inc. Springfield, Ill.	none	bank	3,231	2,765	116.9	2,620	701,954
12	CIT Group Inc. New York	none	bank	299,223	270,754	110.5	NA	71,019,240
13	Morgan Stanley New York	none	bank	5,901,000	5,386,000	109.6	NA	676,957,000
14	1st National Bank of South Florida Homestead	Hometown Banking Co. Inc.	bank	577	534	108.1	658	334,176
15	Depository Trust Co. New York	Depository Trust and Clearing Corp.	bank	79,340	77,093	102.9	83,257	3,922,400
16	Fidelity Management Trust Co. Boston	FMR LLC	bank	46,837	46,499	100.7	50,702	112,695
17	Pyramis Global Advisors Trust Co. Merrimack, N.H.	FMR LLC	bank	67,224	66,833	100.6	NA	229,199
18	Woodlands Commercial Bank Salt Lake City	Lehman Brothers Holdings Inc.	bank	184,341	183,593	100.4	3,686	4,579,583
19	Talbots Classics National Bank Lincoln, R.I.	none	bank	1,501	1,498	100.2	2,051	9,484
	Wellington Trust Co. Boston	Wellington Management Co. LLP	bank	42,077	41,997	100.2	69,613	53,387
21	Family Capital Trust Co. Boston	none	bank	661	661	100.0	595	5,066
	Hiawatha National Bank Hager City, Wis.	Lake Shore Wisconsin Corp.	bank	610	610	100.0	95	42,916
	ICE Trust U.S. LLC New York	IntercontinentalExchange Inc.	bank	6,021	6,021	100.0	NA	7,416,896
	Promark Trust Bank New York	none	bank	44,115	44,115	100.0	45,273	65,231
	Putnam Fiduciary Trust Co. Boston	Power Corp. of Canada Group	foreign	9,166	9,166	100.0	63,649	10,062
26	Credit First Brook Park, Ohio	none	bank	8,129	8,139	99.9	7,225	16,940
	Barclays Global Investors San Francisco	Barclays PLC	foreign	558,793	559,632	99.9	717,207	1,557,444
28	Unified Trust Co. Lexington, Ky.	none	bank	3,262	3,267	99.8	3,651	6,820
	Vanguard National Trust Co. Malvern, Pa.	none	bank	13,133	13,154	99.8	13,323	42,397
	Credit One Bank Las Vegas	Sherman Capital LLC	bank	29,714	29,784	99.8	48,451	101,343
31	Glenmede Trust Co. Philadelphia	Glenmede Corp.	bank	20,160	20,211	99.7	25,031	50,701
	FDS Bank Mason, Ohio	Macy’s Inc.	thrift	127,405	127,816	99.7	136,430	78,794
	Spirit of America National Bank Milford, Ohio	Charming Shoppes Inc.	bank	6,355	6,377	99.7	7,493	35,699
34	Edward Jones Trust Co. St. Louis	Jones Financial Cos. LLP	thrift	3,710	3,724	99.6	3,774	34,956
	Raymond James Trust St. Petersburg, Fla.	none	bank	2,044	2,052	99.6	1,521	9,112
	Boston Trust and Investment Management Co.	none	bank	4,755	4,776	99.6	5,480	38,943
37	Invesco National Trust Co. Atlanta	Invesco Ltd.	bank	19,134	19,228	99.5	24,141	136,938
	Target National Bank Sioux Falls, S.D.	Target Corp.	bank	106,761	107,337	99.5	106,622	128,304
39	Goldman Sachs Trust Co. New York	none	bank	4,308	4,332	99.4	7,396	32,109
	Brown Brothers Harriman Trust Co. New York	none	bank	3,592	3,615	99.4	4,988	12,283
41	First Electronic Bank Sandy, Utah	Fry’s Electronics	bank	1,727	1,739	99.3	1,703	16,194
	National Independent Trust Co. Ruston, La.	none	bank	1,496	1,507	99.3	1,574	5,139
43	Legg Mason Investment Counsel and Trust Co. Baltimore	Legg Mason Inc.	bank	11,648	11,762	99.0	13,325	82,310
44	Computershare Trust Co. Canton, Mass.	Computershare Ltd.	foreign	2,145	2,169	98.9	2,718	21,282
45	InvesTrust Oklahoma City	Cameron Associates Inc.	bank	446	452	98.7	596	2,839
46	New Covenant Trust Co. Jeffersonville, Ind.	Presbyterian Church USA Foundation	bank	1,808	1,834	98.6	2,589	5,294
47	Northwestern Mutual Wealth Management Co. Milwaukee	Northwestern Mutual Life Insurance Co.	thrift	24,095	24,474	98.5	28,336	42,107
48	Cedar Hill National Bank Charlotte	none	bank	1,046	1,064	98.3	1,123	10,319
49	Franklin Resources Inc. San Mateo, Calif.	none	bank	1,149,346	1,171,459	98.1	1,494,614	9,190,483
	TIAA-CREF Trust Co. FSB St. Louis	TIAA Board of Overseers	thrift	6,641	6,772	98.1	6,758	19,158
51	SEI Private Trust Co. Oaks, Pa.	SEI Investments Co.	thrift	31,543	32,238	97.8	39,651	92,212
	Legacy Trust Co. Houston	none	bank	2,195	2,245	97.8	2,278	12,231
	Trust Co. of Virginia Richmond	TCV Financial Corp.	thrift	1,569	1,605	97.8	1,839	5,122
54	ING National Trust Minneapolis	ING Group NV	foreign	890	911	97.7	925	5,762
55	Fidelity Personal Trust Co. FSB Boston	FMR LLC	thrift	6,451	6,611	97.6	6,284	29,170
56	UBS Trust Co. Wilmington, Del.	UBS AG	foreign	1,578	1,619	97.5	1,643	107,218
57	National Advisors Trust Co. FSB Overland Park, Kan.	National Advisors Holdings Inc.	thrift	942	967	97.4	1,018	4,874
	Capital Bank and Trust Co. FSB Irvine, Calif.	Capital Group Cos. Inc.	thrift	38,132	39,167	97.4	32,820	147,207
59	Trust Co. of Toledo Holland, Ohio	none	bank	1,089	1,120	97.2	1,206	3,591
60	Stifel Financial Corp. St. Louis	none	bank	253,964	261,503	97.1	201,355	2,287,993
61	Sumitomo Trust and Banking Co. USA Hoboken, N.J.	Sumitomo Trust and Banking Co. Ltd.	foreign	19,107	19,692	97.0	26,880	539,242
62	Guardian Trust Co. FSB New York	Guardian Life Insurance Co. of America	thrift	1,167	1,206	96.8	1,647	7,302
63	Davidson Trust Co. Great Falls, Mont.	Davidson Cos.	thrift	1,043	1,079	96.7	1,118	5,116
	MMA Trust Co. Goshen, Ind.	Mennonite Mutual Aid Association	thrift	753	779	96.7	598	4,341
65	Independence Trust Co. Franklin, Tenn.	Independence Holding Corp.	thrift	426	441	96.6	449	3,264
66	Lehman Brothers Trust Co. New York	Lehman Brothers Holdings Inc.	bank	4,499	4,706	95.6	8,846	46,591
67	Private Trust Co. Cleveland	LPL Investment Holdings Inc.	bank	1,218	1,278	95.3	1,331	14,831
68	Country Trust Bank Bloomington, Ill.	Illinois Agricultural Association	thrift	5,015	5,274	95.1	5,244	27,515
	World’s Foremost Bank Sidney, Neb.	none	bank	72,676	76,460	95.1	63,272	835,349
70	Deutsche Bank Trust Co. New York	Deutsche Bank	foreign	10,301	10,858	94.9	12,823	142,167
71	Philadelphia Trust Co.	none	bank	1,488	1,572	94.7	1,718	19,582
72	Security National Trust Co. Wheeling, W.Va.	HB&W Inc.	bank	587	621	94.5	554	3,457
	Home Savings of America Little Falls, Minn.	Home Savings Bancorp	thrift	18,227	19,291	94.5	1,670	463,012
74	Bessemer Group Inc. Woodbridge, N.J.	none	bank	68,704	73,379	93.6	75,298	1,916,205
75	Mitsubishi UFJ Trust and Banking Corp. USA New York	Mitsubishi UFJ Financial Group Inc.	foreign	9,880	10,583	93.4	10,326	271,872
76	First Community Trust Dubuque, Iowa	none	bank	445	478	93.1	465	4,549
77	Nordstrom FSB Scottsdale, Ariz.	Nordstrom Inc.	thrift	46,160	49,627	93.0	45,884	182,497
78	King Trust Co. Spring Arbor, Mich.	Free Methodist Foundation	bank	184	198	92.9	246	2,358
79	Mizuho Trust and Banking Co. USA New York	Mizuho Financial Group Inc.	foreign	5,728	6,209	92.3	7,725	284,690
80	World Financial Network National Bank Columbus, Ohio	Alliance Data Systems Corp.	bank	137,153	149,284	91.9	169,472	1,374,599
81	TriCentury Bank Simpson, Kan.	Astra Financial Corp.	bank	423	462	91.6	516	3,119
82	Seattle Bank	Seattle Financial Group Inc.	bank	7,006	7,671	91.3	6,573	745,813
83	Wheaton College Trust Co. Ill.	none	bank	135	148	91.2	158	3,164
84	Haverford Trust Co. Radnor, Pa.	none	bank	3,406	3,779	90.1	4,343	110,321
85	AMG National Trust Bank Englewood, Colo.	AMG National Corp.	bank	3,891	4,368	89.1	5,549	135,420
86	MassMutual Trust Co. FSB Enfield, Conn.	Massachusetts Mutual Life Insurance Co.	thrift	1,170	1,315	89.0	1,236	15,929
87	First Citizens Bank Glennville, Ga.	Citizens Investors LLC	bank	239	272	87.9	271	111,618
88	Trust Co. San Antonio	TTC Holdings Inc.	bank	2,204	2,527	87.2	1,222	57,206
	DSRM National Bank Albuquerque	none	bank	143	164	87.2	164	3,376
90	Midland States Bancorp Inc. Effingham, Ill.	none	bank	40,913	47,456	86.2	633	1,127,287
91	High Trust Bank Stockbridge, Ga.	High Trust Bancorp Inc.	bank	3,125	3,636	85.9	1,090	225,597
92	Bank of New York Mellon Corp.	none	bank	2,530,000	2,957,000	85.6	3,141,000	203,246,000
93	Live Oak Banking Co. Wilmington, N.C.	Live Oak Bancshares Inc.	bank	2,047	2,403	85.2	NA	113,558
94	Goldman Sachs Group Inc. New York	none	bank	11,587,000	13,639,000	85.0	NA	890,137,000
95	First Community Bancshares Inc. Killeen, Texas	none	bank	47,542	56,087	84.8	44,179	1,043,911
96	Business Bank Minnetonka, Minn.	Business Bancorp. Inc.	bank	8,982	10,619	84.6	3,391	182,527
97	Transportation Alliance Bank Inc. Ogden, Utah	Flying J Inc.	bank	13,490	15,983	84.4	15,564	497,654
98	Gateway Business Bank Cerritos, Calif.	Gateway Bancorp	bank	9,282	11,122	83.5	6,511	272,145
99	Woodforest Financial Group Inc. The Woodlands, Texas	none	bank	107,340	128,752	83.4	78,734	3,261,352
100	University Bank Ann Arbor, Mich.	University Bancorp Inc.	bank	4,900	5,896	83.1	1,890	148,701
101	Ameri-National Corp. Overland Park, Kan.	none	bank	13,893	16,822	82.6	6,114	953,834
102	Advanta Bank Wilmington, Del.	Advanta Corp.	bank	316	387	81.7	61	31,163
103	Applied Bank Wilmington, Del.	none	bank	4,179	5,123	81.6	8,842	248,533
104	Volunteer State Bank Portland, Tenn.	Volunteer State Bancshares Inc.	bank	4,794	5,911	81.1	2,675	317,278
105	Fort Sill National Bank Okla.	J.R. Montgomery Bancorp.	bank	11,713	14,698	79.7	11,157	328,820
106	Inter Savings Bank FSB Maple Grove, Minn.	Aurora Service Corp.	thrift	12,759	16,023	79.6	1,680	769,239
107	Securian Trust Co. St. Paul	Minnesota Mutual Cos. Inc.	bank	559	712	78.5	648	11,445
108	Northern Trust Corp. Chicago	none	bank	802,022	1,035,209	77.5	845,202	75,045,238
109	Cenlar FSB Trenton, N.J.	Cenlar Capital Corp.	thrift	10,590	13,708	77.3	10,660	568,495
110	Oakwood State Bank Oakwood, Texas	none	bank	64	84	76.2	178	3,040
111	American Founders Bancorp Inc. Lexington, Ky.	none	bank	5,474	7,199	76.0	278	457,197
112	American Express Co. New York	none	bank	4,597,205	6,091,779	75.5	NA	115,975,155
113	Banner County Bank Inc. Harrisburg, Neb.	Banner County Ban Corp.	bank	1,146	1,530	74.9	28	41,212
	Nationwide Bank Columbus, Ohio	Nationwide Mutual Group	thrift	55,466	74,089	74.9	59,572	2,559,778
115	Valley Capital Bank Mesa, Ariz.	none	bank	431	576	74.8	315	42,512
116	Bankers’ Bank Madison, Wis.	Bankers’ Bancorp Inc.	bank	6,610	8,844	74.7	5,584	397,345
	Republic Bancorp Co. Oak Brook, Ill.	none	bank	32,744	43,811	74.7	687	1,341,298
118	Guaranty Bank MHC Milwaukee	Guaranty Financial MHC	thrift	35,472	47,607	74.5	19,398	1,496,175
119	Delta National Bank and Trust Co. New York	Delta Investment Co. Cayman	foreign	3,649	4,967	73.5	4,632	344,252
120	Union Savings Bank Cincinnati	U.S. Bancorp	thrift	21,022	28,775	73.1	1,091	1,873,105
121	Charter Bank Santa Fe, N.M.	Charter Cos. Inc.	thrift	20,207	27,684	73.0	5,201	1,339,977
122	Fifth Third Bancorp Cincinnati	none	bank	2,486,925	3,414,347	72.8	690,808	115,983,653
	Florida Capital Group Inc. Jacksonville	none	bank	12,012	16,498	72.8	2,064	990,992
124	Access National Corp. Reston, Va.	none	bank	17,403	24,091	72.2	8,011	740,564
125	First State Bank Mendota, Ill.	Tri-County Financial Group Inc.	bank	9,299	12,966	71.7	2,984	478,199
126	State Street Corp. Boston	none	bank	1,527,667	2,133,860	71.6	2,005,231	152,921,189
127	First Bancorp Troy, N.C.	none	bank	58,753	82,143	71.5	5,340	3,527,407
128	Merchants Bank of California Carson	none	bank	1,936	2,719	71.2	2,130	74,062
129	Wyoming Bank and Trust Cheyenne	Farmers State Bankshares Inc.	bank	1,969	2,787	70.6	2,138	95,101
130	First National Bank Hays, Kan.	Kansas Pacific Investments LLC	bank	2,027	2,875	70.5	-5,597	93,072
	Bankers Bank Northeast Glastonbury, Conn.	none	bank	2,476	3,512	70.5	1,648	159,284
132	Forethought Federal Savings Bank Batesville, Ind.	Curragh Capital Partners II LP	thrift	407	578	70.4	485	125,924
	Centennial Bank Centennial, Colo.	TBHC Inc.	bank	233	331	70.4	356	46,223
134	First Federal Savings Bank of Boston	First Eastern Bankshares Corp.	thrift	4,352	6,203	70.2	646	86,211
135	Taunus Corp. New York	Deutsche Bank	foreign	2,113,000	3,019,000	70.0	-1,542,000	366,350,000
136	First State Bank Russellville, Ark.	First State Banking Corp.	bank	294	421	69.8	252	201,572
	Bankers’ Bank of Kentucky Inc. Frankfort	Independent Community Bancorp Inc.	bank	1,070	1,534	69.8	999	56,922
138	United National Corp. Sioux Falls, S.D.	none	bank	145,855	209,414	69.6	143,296	1,590,021
	MetaBank Storm Lake, Iowa	Meta Financial Group Inc.	thrift	16,229	23,303	69.6	8,023	820,495
140	Dickinson Financial Corp. II Kansas City, Mo.	none	bank	50,344	72,938	69.0	41,961	5,608,875
	PlainsCapital Corp. Dallas	none	bank	91,091	132,058	69.0	28,239	4,407,674
	Benchmark Bank Plano, Texas	Quinlan Bancshares Inc.	bank	5,383	7,807	69.0	1,590	330,572
143	Independent Bankers Financial Corp. Irving, Texas	none	bank	24,475	35,529	68.9	23,327	2,635,444
144	First Colorado National Bank Paonia	First Colorado Financial Corp.	bank	896	1,304	68.7	249	48,547
145	Evolve Financial Group Inc. Cordova, Tenn.	none	bank	2,007	2,931	68.5	1,388	125,851
146	City National Bank and Trust Co. of Lawton Okla.	J.R. Montgomery Bancorp.	bank	5,394	7,917	68.1	5,229	258,108
147	Leader Bank Arlington, Mass.	Leader Bancorp Inc.	bank	3,954	5,842	67.7	426	324,415
	USAA Federal Savings Bank San Antonio	United Services Automobile Association	thrift	535,228	790,946	67.7	284,278	35,689,249
149	Grand Bank Hamilton, N.J.	none	bank	6,901	10,240	67.4	689	378,049
150	Liberty Savings Bank FSB St. Cloud, Minn.	Liberty Financial Services St. Cloud	thrift	2,062	3,074	67.1	447	150,778

Notes: Data based on regulatory filings for top-tier consolidated bank holding companies, commercial banks, savings banks and savings institutions. Firms with negative total revenue were excluded. Figures for prior periods are not adjusted for mergers and acquisitions. Rankings include only companies current as of October 12, 2009.

Source:

SNL Financial