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Banks, thrifts and holding companies

Bank and Thrift Holding Companies with Highest Noninterest Income Ratios

March 10, 2005, 10:08 a.m. EST 1 Min Read
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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, 2004. Dollars in thousands
Published March 10, 2005
Related Table: Leaders in Noninterest Income Growth and in Total Income
    Type of institution Income 3Q '03 noninterest Sept. 30 '04 assets
Noninterest Total % noninterest
1 Morgan Stanley Trust New York thrift $134,197 $134,895 99.48% $129,733 $68,614
2 Nationwide Financial Services Columbus, Ohio thrift 76,392 77,171 98.99 50,932 64,695
3 Ocwen Financial Group West Palm Beach, Fla. thrift 135,208 137,382 98.42 108,441 914,889
4 Franklin Resources Inc. San Mateo, Calif. bank 2,635,116 2,699,840 97.60 2,014,818 8,220,022
5 Pulte Homes Inc. Bloomfield Hills, Mich. thrift 150 155 96.77 0 560
6 Merrill Lynch and Co. New York thrift 86,701 91,929 94.31 84,957 202,265
7 Bessemer Group Inc. Woodbridge Township, N.J. bank 151,766 164,511 92.25 136,142 1,041,639
8 Silver Queen Financial Services Aspen, Colo. thrift 15,000 16,763 89.48 14,352 40,717
9 First Investors Consolidated New York thrift 4,875 5,662 86.10 5,066 62,119
10 First Community Bancshares Inc. Houston bank 96,462 115,444 83.56 83,965 695,673
11 Mellon Financial Corp. Pittsburgh bank 3,020,912 3,625,463 83.32 2,665,367 35,238,854
12 Gateway Bancorp Santa Ana, Calif. bank 32,338 39,075 82.76 32,897 185,516
13 First Eastern Bankshares Andover, Mass. thrift 8,905 10,977 81.12 20,128 66,669
14 Ameri-National Corp. Leawood, Kan. bank 39,400 49,959 78.86 38,613 303,026
15 Deepgreen Financial Wilmington, Del. thrift 13,429 17,683 75.94 13,978 245,045
16 CU Bank Shares Inc. Farmers Branch, Tex. bank 54,729 72,148 75.86 51,447 530,259
17 Bankers’ Bancorp. Inc. Madison, Wis. bank 14,283 18,834 75.84 16,546 266,990
  Palm Desert Investments Calif. bank 18,758 25,300 74.14 10,775 270,936
  Charles Schwab Corp. San Francisco bank 2,448,142 3,302,131 74.14 2,420,654 45,934,699
20 State Street Corp. Boston bank 3,019,112 4,280,262 70.54 2,599,270 100,526,517
21 MetLife Inc. New York bank 20,017,391 28,767,529 69.58 18,146,070 346,177,404
22 Woodforest Financial Group Inc. The Woodlands, Tex. bank 111,284 160,244 69.45 90,805 1,513,637
23 United National Corp. Sioux Falls, S.D. bank 320,247 462,435 69.25 306,138 1,043,417
24 Bank of New York Co. Inc. bank 3,446,463 5,117,310 67.35 2,879,258 93,692,293
25 MBNA Corp. Wilmington, Del. bank 6,087,981 9,090,868 66.97 5,672,282 62,051,861
26 Kansas Natural Gas Inc. Hays bank 10,749 16,949 63.42 12,514 207,917
27 Lauritzen Corp. Omaha bank 55,048 87,502 62.91 48,922 1,166,098
28 Access National Corp. Chantilly, Va. bank 20,673 33,325 62.03 26,986 389,939
29 Northern Trust Corp. Chicago bank 1,272,365 2,063,478 61.66 1,148,069 41,110,020
30 Approved Financial Corp. Virginia Beach thrift 1,105 1,795 61.56 7,055 51,683
31 Pedcor Bancorp Carmel, Ind. bank 17,679 29,429 60.07 6,323 304,113
32 Commonwealth Savingshares Corinth, Miss. thrift 19,562 33,185 58.95 30,393 434,560
33 Pulaski Investment Corp. Little Rock bank 22,881 38,905 58.81 29,794 394,165
34 Investors Financial Services Boston bank 318,373 542,578 58.68 239,698 10,793,385
35 SCB Bancorp Inc. Decatur, Ill. bank 10,486 17,945 58.43 9,701 238,323
36 Synovus Financial Corp. Columbus, Ga. bank 1,132,763 1,979,465 57.23 1,012,401 24,395,882
37 PNC Financial Services Group Pittsburgh bank 2,623,549 4,632,399 56.63 2,388,458 77,310,144
38 Sterling Bancorp Inc. Southfield, Mich. thrift 32,629 57,789 56.46 3,609 556,205
39 Tulsa National Bancshares bank 7,377 13,096 56.33 5,726 165,924
40 Cass Information Systems Inc. Bridgeton, Mo. bank 28,294 50,521 56.00 28,853 737,696
41 First Horizon National Corp. Memphis bank 1,023,071 1,854,993 55.15 1,586,823 28,296,534
42 Cenlar Capital Corp. Princeton, N.J. thrift 18,765 34,238 54.81 19,263 475,580
43 J. R. Montgomery Bancorp. Lawton, Okla. bank 7,687 14,130 54.40 6,371 194,212
44 Marin National Bancorp Las Vegas bank 63,595 117,916 53.93 66,521 209,005
45 Liberty Financial Services St. Cloud, Minn. thrift 4,568 8,588 53.19 7,178 131,304
46 Jones Financial Co. Maryland Heights, Mo. thrift 6,991 13,165 53.10 6,138 169,296
47 UMB Financial Corp. Kansas City, Mo. bank 176,593 335,019 52.71 177,211 6,872,262
48 Commerce Bancshares Corp. Worcester, Mass. bank 40,361 77,242 52.25 48,900 1,044,507
49 Waterfield Mortgage Co. Fort Wayne, Ind. thrift 131,873 259,839 50.75 175,774 3,503,280
50 Independent Bankers Financial Corp. Irving, Tex. bank 34,194 67,452 50.69 34,251 1,282,746
51 Marquette Financial Cos. Minneapolis bank 59,030 117,778 50.12 30,238 1,286,937
52 Bankers Bank of the West Bancorp Denver bank 6,596 13,248 49.79 4,715 352,633
53 Southeastern Financial Inc. Tuscaloosa, Ala. thrift 3,819 7,697 49.62 3,836 115,208
54 Liberty Shares Inc. Hinesville, Ga. bank 11,995 24,180 49.61 9,933 299,578
55 First National Bank Holding Scottsdale, Ariz. bank 102,795 212,064 48.47 92,666 2,549,350
56 First National Bankers Banks Baton Rouge, La. bank 4,582 9,609 47.68 4,484 310,347
57 United Bankers’ Bancorp Bloomington, Minn. bank 7,380 15,498 47.62 7,488 334,239
58 B.F. Saul Real Estate Investment Chevy Chase, Md. thrift 300,137 632,889 47.42 255,485 13,287,419
59 Mississippi View Holdings Co. Little Falls, Minn. thrift 2,197 4,642 47.33 453 73,493
60 JPMorganChase & Co. New York bank 18,595,000 39,328,000 47.28 14,445,000 1,138,469,000
61 Boston Private Financial Holdings bank 76,689 162,382 47.23 45,508 2,913,291
62 Irwin Financial Corp. Columbus, Ind. bank 226,539 481,179 47.08 248,768 5,388,754
63 Doral Financial Corp. San Juan, Puerto Rico bank 362,784 773,219 46.92 297,406 14,983,396
64 Temecula Valley Bancorp Inc. Calif. bank 20,682 44,134 46.86 17,926 595,246
65 Bankers’ Bancorp of Florida Lake Mary bank 7,015 15,041 46.64 6,644 324,585
66 CCB Corp. Kansas City, Mo. bank 14,230 31,004 45.90 14,347 532,496
67 Home Loan Financial Corp. Warwick, R.I. thrift 13,454 29,535 45.55 9,508 252,955
68 Rurban Financial Corp. Defiance, Ohio bank 12,262 27,289 44.93 31,227 415,827
69 California First National Bancorp Irvine bank 11,511 25,937 44.38 10,895 268,382
70 Capital One Financial Corp Falls Church, Va. thrift 691,985 1,565,334 44.21 736,613 14,081,235
71 Marshall & Ilsley Corp. Milwaukee bank 979,947 2,216,905 44.20 876,470 39,006,407
72 BNCcorp Inc. Bismarck, N.D. bank 17,407 39,596 43.96 15,018 644,987
73 Arkansas Bankers’ Bancorp Little Rock bank 4,027 9,252 43.53 4,935 180,375
74 Dickinson Financial Corp. II Kansas City, Mo. bank 92,199 213,403 43.20 67,587 3,401,325
75 Sargent Investors Inc. Cranston, R.I. thrift 7,950 18,404 43.20 4,937 217,838
76 Wilmington Trust Corp. Del. bank 210,470 492,332 42.75 189,016 9,667,497
77 Colonial Holding of Colorado Fort Worth, Tex. thrift 29,339 68,808 42.64 32,957 1,077,821
78 Amalgamated Investments Co. Chicago bank 14,507 34,107 42.53 14,864 617,709
79 National Consumer Coop Bank Washington thrift 19,437 45,752 42.48 28,213 859,994
80 TCF Financial Corp. Wayzata, Minn. bank 341,345 808,268 42.23 312,237 12,114,084
81 Monticello Cos. Jacksonville, Fla. thrift 4,851 11,528 42.08 7,983 205,543
82 Countrywide Financial Corp. Calabasas, Calif. bank 3,548,381 8,461,687 41.93 3,288,469 104,388,452
83 CAB Holding LLC Wilmington, Del. bank 6,940 16,605 41.79 1,181 360,134
84 Farmers and Merchants Invest. Inc. Milford, Neb. bank 33,417 80,151 41.69 39,981 1,404,491
85 Volunteer State Bancshares Portland, Tenn. bank 4,815 11,626 41.42 6,780 181,114
86 Georgia-Carolina Bancshares Inc. Augusta, Ga. bank 8,164 19,713 41.41 12,208 305,088
87 National City Corp. Cleveland bank 3,026,732 7,353,783 41.16 2,452,858 136,372,583
88 Alerus Financial Corp. Grand Forks, N.D. bank 14,894 36,463 40.85 13,061 616,928
89 Great River Financial Group Burlington, Iowa bank 6,271 15,366 40.81 5,418 258,443
90 Midwest Bankers’ Bancorp Jefferson City, Mo. bank 4,353 10,730 40.57 NA 222,522
91 First Independence Corp. Detroit bank 3,483 8,615 40.43 2,075 170,612
92 USAA Bancorp Inc. San Antonio Tex. thrift 385,913 959,068 40.24 368,136 15,708,992
93 Bryn Mawr Bank Corp. Pa. bank 15,551 38,727 40.16 21,661 660,736
94 Guardian Bancorp Inc. Cincinnati thrift 7,968 20,012 39.82 16,568 471,011
95 Wachovia Corp. Charlotte bank 7,986,000 20,305,000 39.33 6,808,000 436,698,000
96 Southwest Community Bancorp Carlsbad, Calif. bank 8,529 21,758 39.20 6,469 476,542
97 NetBank Inc. Roswell, Ga. thrift 101,687 262,128 38.79 165,835 4,471,598
98 Ameribancshares Inc. Wichita Falls bank 5,321 13,754 38.69 5,451 241,264
99 Huntington Bancshares Inc. Columbus, Ohio bank 621,097 1,609,197 38.60 821,949 31,807,491
100 Summit Financial Group Inc. Moorefield, W.Va. bank 20,917 54,516 38.37 1,955 863,366
101 First Glades Corp. Clewiston, Fla. thrift 2,476 6,498 38.10 2,676 112,706
102 U.S. Bancorp Minneapolis bank 4,179,300 10,976,400 38.08 4,328,300 192,844,000
103 Citigroup Inc. New York bank 30,010,000 78,966,000 38.00 27,488,000 1,436,554,000
104 Tennessee Central Bancshares Parsons bank 6,891 18,273 37.71 2,745 268,677
105 Extraco Corp. Waco, Tex. bank 16,769 44,489 37.69 16,571 853,656
106 C&F Financial Corp. West Point, Va. bank 18,064 48,108 37.55 22,741 598,046
107 Wells Fargo & Co. San Francisco bank 9,212,000 24,544,000 37.53 8,238,000 421,549,000
108 Platinum Bancshares Inc. Chicago thrift 2,406 6,426 37.44 2,218 140,756
109 Crosstown Holding Co. Blaine, Minn. bank 5,138 13,734 37.41 1,399 290,332
110 Associated Community Bancorp Greenwich, Conn. bank 5,604 15,072 37.18 1,058 256,690
111 Cullen/Frost Bankers Inc. San Antonio bank 170,486 458,695 37.17 160,194 9,898,804
112 Priority One Holding Co. Springdale, Ark. thrift 1,276 3,434 37.16 757 34,032
113 Cambridge Bancorp Mass. bank 13,625 36,747 37.08 12,691 741,387
114 Fifth Third Bancorp Cincinnati bank 1,845,098 4,978,028 37.06 1,673,258 98,293,074
115 New Asia Bancorp Inc. Chicago bank 3,192 8,706 36.66 885 139,382
116 Capitol Bancorp. Inc. Britton, S.D. bank 20,284 55,611 36.47 20,313 498,905
117 Home Bancshares Inc. Conway, Ark. bank 15,282 42,524 35.94 4,934 799,785
118 Prudential Financial Inc. Newark, N.J. thrift 4,160 11,585 35.91 12,745 241,236
119 Arvest Bank Group Inc. Bentonville, Ark. bank 142,198 396,366 35.88 106,318 7,024,166
120 Regions Financial Corp. Birmingham, Ala. bank 1,139,206 3,181,882 35.80 NA 83,630,855
121 Carrollton Bancorp Baltimore bank 6,303 17,772 35.47 5,948 307,616
122 Nbank Corp. Commerce, Ga. bank 12,473 35,230 35.40 7,166 385,585
123 First Citizens Bancshares Waxahachie, Tex. bank 8,904 25,249 35.26 7,487 393,829
124 BWC Financial Corp. Walnut Creek, Calif. bank 11,594 32,931 35.21 13,728 517,031
125 Community Financial Services Atlanta bank 27,005 76,771 35.18 29,012 1,665,695
126 Bank of Hawaii Corp. Honolulu bank 184,445 526,455 35.04 170,157 9,602,512
127 Capital City Bank Group Inc. Tallahassee, Fla. bank 38,595 110,189 35.03 35,810 1,952,221
128 Commerce Bancshares Inc. Kansas City, Mo. bank 242,611 696,120 34.85 224,001 14,153,299
  Leesport Financial Corp. Wyomissing, Pa. bank 12,006 34,449 34.85 14,952 644,410
130 Outsource Capital Group Inc. Lubbock, Tex. bank 5,686 16,333 34.81 5,965 248,677
131 Southern National Banks Inc. Fort Walton Beach,Fla. bank 6,253 18,134 34.48 5,953 384,978
132 Community Bank of South Florida Homestead, Fla. bank 8,384 24,431 34.32 6,910 411,483
133 Mercantile Bancorp Inc. Hammond, Ind. bank 13,904 40,559 34.28 11,730 786,451
134 Johnson Financial Group Inc. Racine, Wis. bank 54,013 157,678 34.26 50,092 3,241,973
135 Greater Atlantic Financial Corp. Reston, Va. thrift 7,423 21,689 34.22 14,482 434,370
  Illinois National Bancorp Springfield bank 5,415 15,824 34.22 5,955 312,230
137 TCB Corp. Greenwood, S.C. bank 3,817 11,166 34.18 3,633 210,693
138 SunTrust Banks Inc. Atlanta bank 1,866,729 5,480,844 34.06 1,618,234 127,785,985
139 U.S. Bancorp Cincinnati thrift 20,782 61,070 34.03 40,802 1,327,599
140 UnionBancorp Inc. Ottawa, Ill. bank 13,837 40,712 33.99 10,665 667,844
141 South Plains Financial Inc. Lubbock, Tex. bank 17,988 53,027 33.92 9,514 919,870
142 Flagstar Bancorp Inc. Bloomfield Hills, Mich. thrift 209,807 620,573 33.81 402,757 12,762,193
143 Parish National Corp. Covington, La. bank 9,916 29,349 33.79 NA 536,977
144 Pacific Coast Bankers Bancshares San Francisco bank 3,600 10,656 33.78 2,606 270,534
145 Citizens Inc. Evans City, Pa. bank 7,899 23,464 33.66 6,715 479,110
  Indymac Bancorp Inc. Pasadena, Calif. thrift 269,793 801,431 33.66 340,517 15,005,241
147 First Security Bancorp Searcy, Ark. bank 33,626 99,921 33.65 34,300 1,872,507
148 Washington Mutual Inc. Seattle thrift 3,754,992 11,174,383 33.60 3,951,892 281,856,619
149 Bankers’ Bancorp Inc. Springfield, Ill. bank 5,890 17,561 33.54 5,798 431,153
150 MSB Capital Corp. Columbus, Ohio thrift 4,888 14,577 33.53 3,808 208,287


Note: Data for bank holding companies from consolidated Y-9C reports. Data for thrift holding companies estimated from sum of thrift subsidiaries.
Source: Highline Banking Data Services (877-305-6657)
© 2005 American Banker

Banks, thrifts and holding companies