Bank and Thrift Holding Companies with Highest Noninterest Income Ratios

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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
Published February 7, 2008

Rank   Ultimate Parent Type of holding company Income 3Q 2006 Noninterest 3Q 2007 Assets
Noninterest Total net income Noninterest
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 Macy’s 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.
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