Bank and Thrift Holding Companies with Highest Noninterest Income Ratios
February 07, 2008, 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 RatiosOn Sept. 30, 2007. Dollars in thousands | ||||||||
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Rank | Ultimate Parent | Type of | Income | 3Q 2006 Noninterest | 3Q 2007 Assets | |||
| | | ||||||
1 | IndyMac Bank FSB Pasadena, Calif. | IndyMac Bancorp Inc. | thrift | $169,866 | $68,876 | 246.6% | $61,120 | $33,463,557 |
2 | Barclays Group US Inc. Wilmington, Del. | Barclays PLC | bank | 367,059 | 356,429 | 103.0 | 425,307 | 435,586,196 |
3 | FDS Bank Mason, Ohio | Macys Inc. | thrift | 135,393 | 136,728 | 99.0 | 138,035 | 110,933 |
Universal Savings Bank, Milwaukee | Universal Savings Banc Holdings Inc. | thrift | 1,043 | 1,054 | 99.0 | 1,004 | 15,014 | |
5 | SEI Private Trust Co. Oaks, Pa. | SEI Investments Co. | thrift | 39,797 | 40,442 | 98.4 | 33,340 | 79,542 |
6 | TIAA-CREF Trust Co. FSB St. Louis | TIAA Board of Overseers | thrift | 6,004 | 6,179 | 97.2 | 4,941 | 17,408 |
7 | Fidelity Personal Trust Co. FSB Boston | FMR Corp. | thrift | 5,125 | 5,283 | 97.0 | 3,282 | 18,218 |
Guardian Trust Co. FSB New York | Guardian Life Insurance Co. of America | thrift | 1,789 | 1,845 | 97.0 | 1,410 | 7,880 | |
9 | National Advisors Trust Co. FSB Overland Park, Kan. | National Advisors Holdings Inc. | thrift | 1,020 | 1,056 | 96.6 | 919 | 4,431 |
Capital Bank and Trust Co. FSB Brea, Calif. | Capital Group Cos. Inc. | thrift | 31,893 | 33,019 | 96.6 | 26,265 | 107,062 | |
11 | Northwestern Mutual Wealth Management Co. Milwaukee | Northwestern Mutual Life Insurance Co. | thrift | 15,958 | 16,568 | 96.3 | 1,920 | 37,812 |
12 | Davidson Trust Co. Great Falls, Mont. | DADCO Inc., ESOP | thrift | 1,366 | 1,421 | 96.1 | 1,429 | 5,126 |
13 | MMA Trust Co. Goshen, Ind. | Mennonite Mutual Aid Association | thrift | 658 | 687 | 95.8 | 568 | 4,196 |
14 | Stifel Financial Corp. St. Louis | none | bank | 174,814 | 182,983 | 95.5 | NA | 1,517,826 |
15 | Franklin Resources Inc. San Mateo, Calif. | none | bank | 1,629,349 | 1,712,443 | 95.1 | 1,299,215 | 9,939,073 |
16 | Country Trust Bank Bloomington, Ill. | Illinois Agricultural Association | thrift | 4,262 | 4,543 | 93.8 | 4,456 | 27,218 |
Nordstrom FSB Scottsdale, Ariz. | Nordstrom Inc. | thrift | 44,338 | 47,293 | 93.8 | 39,970 | 187,879 | |
18 | Bessemer Group Inc. Woodbridge, N.J. | none | bank | 86,416 | 93,813 | 92.1 | 61,383 | 1,287,190 |
19 | Auto Club Trust FSB Dearborn, Mich. | Auto Club Insurance Association | thrift | 605 | 667 | 90.7 | 277 | 5,748 |
20 | Pedcor Capital LLC Carmel, Ind. | none | bank | 15,121 | 16,696 | 90.6 | NA | 382,979 |
21 | Edward Jones Trust Co. St. Louis | Jones Financial Cos., L.L.LP | thrift | 3,367 | 3,749 | 89.8 | 2,964 | 34,062 |
22 | Nationwide Bank Columbus, Ohio | Nationwide Mutual Insurance Co. | thrift | 68,695 | 76,832 | 89.4 | 53,382 | 1,060,777 |
23 | MassMutual Trust Co. FSB Enfield, Conn. | Massachusetts Mutual Life Insurance Co. | thrift | 1,175 | 1,317 | 89.2 | 931 | 15,081 |
24 | First Community Bancshares Inc. Houston | none | bank | 41,902 | 49,948 | 83.9 | 43,267 | 938,678 |
25 | American Express Bank FSB Salt Lake City | American Express Co. | thrift | 1,270,094 | 1,518,298 | 83.7 | 761,919 | 23,493,870 |
26 | Bank of New York Mellon Corp. | none | bank | 2,985,000 | 3,611,000 | 82.7 | 1,257,000 | 184,166,000 |
27 | State Street Corp. Boston | none | bank | 1,779,384 | 2,237,018 | 79.5 | 1,245,884 | 140,085,020 |
28 | Lauritzen Corp. Omaha | none | bank | 25,399 | 32,083 | 79.2 | 23,618 | 1,288,767 |
29 | Independent Bankers Financial Corp. Irving, Tex. | none | bank | 20,736 | 27,419 | 75.6 | 19,015 | 1,737,302 |
30 | Northern Trust Corp. Chicago | none | bank | 657,546 | 873,777 | 75.3 | 551,044 | 63,098,902 |
31 | Greater Atlantic Bank Reston, Va. | Greater Atlantic Financial Corp. | thrift | 4,398 | 5,866 | 75.0 | 166 | 246,451 |
32 | Independence Trust Co. Franklin, Tenn. | Independence Holding Corp. | thrift | 402 | 539 | 74.6 | 498 | 3,048 |
33 | Woodforest Financial Group Inc. The Woodlands, Tex. | none | bank | 57,333 | 77,841 | 73.7 | 52,075 | 2,482,704 |
34 | Cenlar FSB Trenton, N.J. | Cenlar Capital Corp. | thrift | 9,489 | 13,149 | 72.2 | 9,249 | 557,216 |
35 | CU Bank Shares Inc. Dallas | none | bank | 28,343 | 39,631 | 71.5 | 23,156 | 1,192,191 |
36 | MetLife Inc. New York | none | bank | 8,896,881 | 12,737,431 | 69.8 | 8,800,038 | 563,077,378 |
37 | Two Rivers Bank and Trust Burlington, Iowa | Two Rivers Financial Group | thrift | 3,701 | 5,368 | 68.9 | 3,246 | 237,937 |
38 | Urban Trust Bank Washington | Worldwide Financial Investors Inc. | thrift | 553 | 804 | 68.8 | 27 | 41,120 |
39 | United National Corp. Sioux Falls, S.D. | none | bank | 153,412 | 224,059 | 68.5 | 129,997 | 1,516,158 |
40 | Tolleson Wealth Management Inc. Dallas | none | bank | 3,113 | 4,646 | 67.0 | 2,204 | 205,708 |
41 | Charles Schwab Corp. San Francisco | none | bank | 860,409 | 1,290,459 | 66.7 | 883,981 | 39,309,316 |
42 | Morgan Stanley Trust Jersey City, N.J. | Morgan Stanley | thrift | 33,609 | 50,790 | 66.2 | 37,949 | 4,092,976 |
43 | First Federal Savings and Loan Association Aberdeen, Miss. | none | thrift | 269 | 409 | 65.8 | 10 | 23,198 |
44 | Synovus Financial Corp. Columbus, Ga. | none | bank | 561,875 | 856,223 | 65.6 | 525,677 | 33,628,448 |
45 | Rurban Financial Corp. Defiance, Ohio | none | bank | 6,783 | 10,444 | 64.9 | 5,902 | 565,674 |
46 | Essex Savings Bank Conn. | none | bank | 3,519 | 5,548 | 63.4 | 2,450 | 260,300 |
47 | Marshall Bankfirst Corp. Minneapolis | none | bank | 7,597 | 12,188 | 62.3 | 4,945 | 581,320 |
48 | Evolve Financial Group Inc. Cordova, Tenn. | none | bank | 1,238 | 2,022 | 61.2 | 475 | 94,539 |
49 | Farm Bureau Bank FSB Sparks, Nev. | FB BanCorp | thrift | 6,676 | 10,927 | 61.1 | 2,096 | 552,583 |
50 | Ameri-National Corp. Overland Park, Kan. | none | bank | 4,890 | 8,126 | 60.2 | 4,220 | 915,315 |
51 | Hicksville Building, Loan, and Savings Bank Ohio | none | bank | 306 | 526 | 58.2 | 72 | 51,053 |
52 | American Sterling Bank Sugar Creek, Mo. | American Sterling Corp. | thrift | 2,736 | 4,710 | 58.1 | -325 | 248,127 |
53 | Seattle Savings Bank | Seattle Financial Group Inc. | bank | 10,287 | 17,807 | 57.8 | 15,600 | 550,650 |
54 | Marshall & Ilsley Corp. Milwaukee | none | bank | 539,966 | 945,325 | 57.1 | 470,110 | 60,774,554 |
55 | UMB Financial Corp. Kansas City, Mo. | none | bank | 76,975 | 134,982 | 57.0 | 64,164 | 8,020,060 |
56 | Pierce County Bancorp Tacoma, Wash. | none | bank | 3,455 | 6,092 | 56.7 | 3,123 | 230,866 |
57 | PNC Financial Services Group Inc. Pittsburgh | none | bank | 990,067 | 1,749,388 | 56.6 | 3,186,219 | 131,477,883 |
58 | Alerus Financial Corp. Grand Forks, N.D. | none | bank | 7,861 | 14,072 | 55.9 | 6,104 | 708,616 |
59 | SouthBank FSB Huntsville, Ala. | Commonwealth Savingshares Corp. | thrift | 3,774 | 6,758 | 55.8 | 4,619 | 323,936 |
60 | SNBNY Holdings Limited New York | none | bank | 19,352 | 34,728 | 55.7 | 19,648 | 4,004,490 |
61 | Lehman Brothers Bank FSB Wilmington, Del. | Lehman Brothers Holdings Inc. | thrift | 131,408 | 238,609 | 55.1 | 158,770 | 17,656,994 |
62 | Oneida Savings Bank N.Y. | Oneida Financial MHC | bank | 4,558 | 8,287 | 55.0 | 3,897 | 514,521 |
63 | Access National Corp. Reston, Va. | none | bank | 6,117 | 11,183 | 54.7 | 6,766 | 642,664 |
64 | Capital One Financial Corp. McLean, Va. | none | bank | 1,964,621 | 3,605,803 | 54.5 | 1,723,057 | 147,154,835 |
65 | JPMorgan Chase & Co. New York | none | bank | 8,672,000 | 16,272,000 | 53.3 | 10,069,000 | 1,479,575,000 |
66 | USAA Federal Savings Bank San Antonio | United Services Automobile Association | thrift | 271,193 | 512,085 | 53.0 | 216,871 | 29,568,440 |
67 | Cass Information Systems Inc. Bridgeton, Mo. | none | bank | 11,988 | 22,745 | 52.7 | 10,672 | 933,160 |
MidCountry Bank Marion, Ill. | MidCountry Financial Corp. | thrift | 9,657 | 18,339 | 52.7 | 2,729 | 999,858 | |
69 | U.S. Bancorp Minneapolis | none | bank | 1,835,000 | 3,509,000 | 52.3 | 1,750,000 | 227,628,000 |
70 | Boston Private Financial Holdings Inc. | none | bank | 54,918 | 105,545 | 52.0 | 44,810 | 6,598,183 |
71 | Carrollton Federal Bank Ky. | none | thrift | 39 | 76 | 51.3 | 32 | 31,440 |
72 | Commerce Bancorp Inc. Cherry Hill, N.J. | none | bank | 178,838 | 350,615 | 51.0 | 150,437 | 50,164,333 |
73 | First Investors Federal Savings Bank Edison, N.J. | First Investors Co.nsolidated Corp | thrift | 830 | 1,635 | 50.8 | 1,178 | 66,264 |
74 | Capitol Bancorp. Inc. Britton, S.D. | none | bank | 18,456 | 36,394 | 50.7 | 11,527 | 587,025 |
75 | Farmers and Merchants Investment Inc. Lincoln, Neb. | none | bank | 14,051 | 27,783 | 50.6 | 13,319 | 1,574,154 |
76 | First National Bankers Bankshares Inc. Baton Rouge, La. | none | bank | 3,143 | 6,279 | 50.1 | 2,973 | 526,053 |
77 | Central Community Corp. Temple, Tex. | none | bank | 9,576 | 19,134 | 50.0 | 3,087 | 910,839 |
78 | Wilmington Trust Corp. Del. | none | bank | 94,361 | 188,922 | 49.9 | 83,755 | 11,295,251 |
79 | Meta Financial Group Inc. Storm Lake, Iowa | none | bank | 5,720 | 11,558 | 49.5 | 3,430 | 685,230 |
80 | First Security Bancorp Searcy, Ark. | none | bank | 17,527 | 35,948 | 48.8 | 12,618 | 2,296,146 |
81 | Sterling Financial Corp. Lancaster, Pa. | none | bank | 18,356 | 37,982 | 48.3 | 18,569 | 3,252,530 |
82 | CCB Financial Corp. Kansas City, Mo. | none | bank | 5,969 | 12,427 | 48.0 | 5,251 | 607,562 |
83 | Domestic Bank Cranston, R.I. | Sargent Investors Inc. | thrift | 1,963 | 4,143 | 47.4 | 2,161 | 267,905 |
84 | Grand Bank for Savings FSB Hattiesburg, Miss. | Grand Financial Corp. | thrift | 1,024 | 2,166 | 47.3 | 269 | 97,752 |
85 | Geauga Savings Bank Newbury, Ohio | Maple Leaf Financial Inc. | bank | 1,801 | 3,822 | 47.1 | -279 | 582,252 |
86 | TCF Financial Corp. Wayzata, Minn. | none | bank | 124,761 | 268,400 | 46.5 | 127,292 | 15,607,861 |
87 | Marquette Financial Cos. Minneapolis | none | bank | 30,837 | 66,575 | 46.3 | 25,187 | 2,939,210 |
88 | First Federal Bank, A Federal Savings Bank Tuscaloosa | Southeastern Financial Inc. | thrift | 1,246 | 2,710 | 46.0 | 969 | 144,864 |
First Horizon National Corp. Memphis | none | bank | 202,343 | 440,147 | 46.0 | 313,095 | 37,479,725 | |
90 | Washington Trust Bancorp Inc. Westerly, R.I. | none | bank | 11,851 | 25,837 | 45.9 | 11,149 | 2,432,254 |
91 | Community Financial Services Inc. Atlanta | none | bank | 13,959 | 30,457 | 45.8 | 14,108 | 2,352,567 |
92 | Fifth Third Bancorp Cincinnati | none | bank | 671,942 | 1,475,598 | 45.5 | 621,787 | 104,265,371 |
Encore Bancshares Inc. Houston | none | bank | 7,571 | 16,638 | 45.5 | NA | 1,383,607 | |
94 | Washington Mutual Bank Henderson, Nev. | Washington Mutual Inc. | thrift | 1,770,584 | 3,902,238 | 45.4 | 1,830,236 | 328,805,094 |
95 | Extraco Corp. Waco, Tex. | none | bank | 6,682 | 14,785 | 45.2 | 5,459 | 1,045,675 |
96 | Amalgamated Investments Co. Chicago | none | bank | 5,676 | 12,576 | 45.1 | 5,130 | 702,057 |
97 | Dickinson Financial Corp. II Kansas City, Mo. | none | bank | 40,865 | 90,719 | 45.0 | 38,450 | 5,126,806 |
98 | EverBank Jacksonville, Fla. | EverBank Financial Corp. | thrift | 30,487 | 67,845 | 44.9 | 26,608 | 4,687,621 |
99 | Citigroup Inc. New York | none | bank | 9,975,000 | 22,466,000 | 44.4 | 11,255,000 | 2,358,266,000 |
100 | Southwest Georgia Financial Corp. Moultrie, Ga. | none | bank | 1,779 | 4,044 | 44.0 | 1,810 | 284,114 |
101 | Pioneer Bank SSB Dripping Springs, Tex. | Professional Capital Inc. | bank | 108 | 246 | 43.9 | NA | 16,354 |
102 | Bankers Bancorp Inc. Springfield, Ill. | none | bank | 2,256 | 5,160 | 43.7 | 2,149 | 534,419 |
103 | Wells Fargo & Co. San Francisco | none | bank | 4,291,000 | 9,853,000 | 43.6 | 3,607,000 | 548,727,000 |
104 | Chevy Chase Bank FSB Bethesda, Md. | B.F. Saul Co. | thrift | 93,393 | 217,975 | 42.8 | 36,644 | 15,119,242 |
Platte Valley Financial Service Cos. Inc. Scottsbluff, Neb. | none | bank | 1,439 | 3,361 | 42.8 | 1,483 | 497,303 | |
106 | Valley View Bancshares Inc. Overland Park, Kan. | none | bank | 20,614 | 48,311 | 42.7 | 3,402 | 2,741,887 |
107 | Mutual of Omaha Bank | Security Holding Co. | thrift | 697 | 1,641 | 42.5 | 192 | 113,123 |
108 | Arvest Bank Group Inc. Bentonville, Ark. | none | bank | 65,454 | 154,261 | 42.4 | 55,731 | 9,280,531 |
109 | Commerce Bancshares Inc. Kansas City, Mo. | none | bank | 99,509 | 235,385 | 42.3 | 93,203 | 16,037,069 |
110 | Provident Bankshares Corp. Baltimore | none | bank | 35,074 | 83,190 | 42.2 | 30,192 | 6,364,757 |
111 | Harris Financial Corp. Wilmington, Del. | BMO Financial Group | bank | 190,624 | 454,423 | 41.9 | 191,419 | 65,766,241 |
112 | Johnson Financial Group Inc. Racine, Wis. | none | bank | 25,329 | 60,600 | 41.8 | 20,715 | 4,640,548 |
Priority Bank Ozark, Ark. | Priority One Holding Co. | thrift | 321 | 768 | 41.8 | 293 | 45,965 | |
Old National Bancorp Evansville, Ind. | none | bank | 39,277 | 94,023 | 41.8 | 35,774 | 7,832,593 | |
115 | Interstate Bank SSB Perryton, Tex. | ISB Holdings Inc. | bank | 540 | 1,301 | 41.5 | 389 | 96,447 |
116 | Plains Capital Corp. Dallas | Maedgen and White Ltd. | bank | 20,775 | 50,208 | 41.4 | 27,871 | 3,088,265 |
117 | BOK Financial Corp. Tulsa | none | bank | 101,354 | 245,547 | 41.3 | 83,569 | 19,951,889 |
118 | Forethought Federal Savings Bank Batesville, Ind. | DS Forethought LP | thrift | 485 | 1,176 | 41.2 | 492 | 120,001 |
119 | SouthFirst Bank Sylacauga, Ala. | SouthFirst Bancshares Inc. | thrift | 669 | 1,632 | 41.0 | 789 | 139,504 |
120 | OmniAmerican Bank Fort Worth | none | thrift | 4,448 | 10,905 | 40.8 | 4,596 | 1,035,243 |
121 | Commerce Bancshares Corp. Worcester, Mass. | none | bank | 4,140 | 10,207 | 40.6 | 4,560 | 927,562 |
122 | SunTrust Banks Inc. Atlanta | none | bank | 812,429 | 2,005,608 | 40.5 | 950,867 | 175,857,229 |
BB&T Corp. Winston-Salem, N.C. | none | bank | 668,897 | 1,653,609 | 40.5 | 660,003 | 130,781,281 | |
124 | Morgan Federal Bank Fort Morgan, Colo. | Morgan Financial Corp. | thrift | 334 | 826 | 40.4 | 96 | 89,791 |
125 | Alliance Financial Corp. Syracuse, N.Y. | none | bank | 5,507 | 13,713 | 40.2 | 4,170 | 1,293,559 |
126 | Bank of America Corp. Charlotte, N.C. | none | bank | 6,405,519 | 15,962,858 | 40.1 | 10,395,825 | 1,582,330,249 |
127 | AmeriServ Financial Inc. Johnstown, Pa. | none | bank | 4,022 | 10,044 | 40.0 | 3,247 | 897,940 |
128 | Ulster Savings Bank Kingston, N.Y. | none | bank | 3,557 | 9,027 | 39.4 | 3,041 | 636,668 |
129 | Spirit Bankcorp Inc. Bristow, Okla. | none | bank | 5,797 | 14,785 | 39.2 | 3,527 | 1,117,996 |
130 | Chemung Financial Corp. Elmira, N.Y. | none | bank | 4,253 | 10,868 | 39.1 | 3,738 | 791,362 |
131 | IberiaBank Corp. Lafayette, La. | none | bank | 20,396 | 52,398 | 38.9 | 8,191 | 4,821,544 |
132 | Midwest Heritage Bank FSB Chariton, Iowa | Hy-Vee Inc. | thrift | 807 | 2,083 | 38.7 | 825 | 120,597 |
Citizens National Banc Corp. Meridian, Miss. | none | bank | 3,281 | 8,476 | 38.7 | 2,580 | 1,098,569 | |
134 | Teche Federal Bank Franklin, La. | Teche Holding Co. | thrift | 3,658 | 9,468 | 38.6 | 3,355 | 717,354 |
135 | Reading Co-operative Bank Reading, Mass. | none | bank | 1,053 | 2,739 | 38.4 | 172 | 239,283 |
KeyCorp Cleveland | none | bank | 434,766 | 1,132,719 | 38.4 | 547,286 | 96,829,723 | |
137 | First Federal Savings Bank of Boston | First Eastern Bankshares Corp. | thrift | 495 | 1,297 | 38.2 | 1,124 | 46,972 |
Peoples Bancorp Inc. Marietta, Ohio | none | bank | 7,736 | 20,275 | 38.2 | 7,548 | 1,888,428 | |
139 | Bank of Hawaii Corp. Honolulu | none | bank | 61,807 | 162,915 | 37.9 | 58,279 | 10,549,595 |
140 | Regions Financial Corp. Birmingham, Ala. | none | bank | 669,497 | 1,769,805 | 37.8 | 445,713 | 138,237,249 |
West Bend Savings Bank Wis. | WBSB Bancorp MHC | thrift | 1,835 | 4,854 | 37.8 | 1,669 | 441,970 | |
142 | Southside Bancshares Inc. Tyler, Tex. | none | bank | 6,278 | 16,639 | 37.7 | 5,922 | 1,904,029 |
Stockmens Financial Corp. Rapid City, S.D. | none | bank | 2,629 | 6,971 | 37.7 | NA | 503,980 | |
Southern National Banks Inc. Fort Walton Beach, Fla. | none | bank | 2,543 | 6,747 | 37.7 | 2,757 | 390,089 | |
New York Community Bancorp Inc. Westbury | none | bank | 89,990 | 238,802 | 37.7 | 21,959 | 30,061,047 | |
146 | Leesport Financial Corp. Wyomissing, Pa. | none | bank | 5,154 | 13,694 | 37.6 | 5,408 | 1,091,787 |
Builders Financial Corp. Chicago | none | bank | 3,016 | 8,019 | 37.6 | 11 | 481,299 | |
Tompkins Financial Corp. Ithaca, N.Y. | none | bank | 11,299 | 30,085 | 37.6 | 9,960 | 2,316,862 | |
Herring Bancorp Inc. Amarillo, Tex. | none | bank | 2,125 | 5,659 | 37.6 | 1,587 | 342,945 | |
150 | Nextier Inc. Butler, Pa. | none | bank | 2,669 | 7,112 | 37.5 | 2,694 | 509,407 |
C&F Financial Corp. West Point, Va. | none | bank | 6,444 | 17,180 | 37.5 | 7,165 | 773,534 |
Notes: Data for bank holding companies from consolidated Y-9C reports. Data for thrift holding companies estimated from thrift subsidiaries. Includes thrift subsidiaries (savings banks and savings institutions) consolidated at the top tier level. Firms with negative total net income were excluded.
Source: SNL Financial, Charlottesville, Va.
© 2008 American Banker