Bank and Thrift Holding Companies with Highest Noninterest Income Ratios
June 25, 2008, 10:08 a.m. EDT 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 Dec. 31, 2007. Dollars in thousands | ||||||||
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Rank | Parent company | Type of | Full-year | 2006 noninterest income | 2007 assets | |||
Noninterest income | Total | | ||||||
1 | FDS Bank Mason, Ohio | Macy's Inc. | thrift | $621,834 | $626,822 | 99.2% | $722,245 | $119,835 |
2 | SEI Private Trust Co. Oaks, Pa. | SEI Investments Co. | thrift | 156,499 | 158,850 | 98.5 | 134,572 | 78,938 |
3 | TIAA-CREF Trust Co. FSB St. Louis | TIAA Board of Overseers | thrift | 23,965 | 24,633 | 97.3 | 20,005 | 17,964 |
4 | Northwestern Mutual Wealth Management Co. Milwaukee | Northwestern Mutual Life Insurance Co. | thrift | 56,224 | 57,898 | 97.1 | 8,764 | 38,955 |
5 | Guardian Trust Co. FSB New York | Guardian Life Insurance Co. of Americaica | thrift | 6,692 | 6,917 | 96.7 | 5,552 | 9,665 |
National Advisors Trust Co. FSB Overland Park, Kan. | National Advisors Holdings Inc. | thrift | 4,015 | 4,151 | 96.7 | 3,785 | 4,508 | |
7 | Davidson Trust Co. Great Falls, Mont. | Dadco Inc., ESOP | thrift | 5,123 | 5,306 | 96.6 | 5,507 | 5,129 |
8 | Fidelity Personal Trust Co. FSB Boston | FMR LLC | thrift | 18,213 | 18,906 | 96.3 | 11,832 | 18,452 |
Capital Bank and Trust Co. FSB Brea, Calif. | Capital Group Cos. Inc. | thrift | 128,279 | 133,261 | 96.3 | 104,887 | 150,714 | |
10 | MMA Trust Co. Goshen, Ind. | Mennonite Mutual Aid Association | thrift | 2,714 | 2,821 | 96.2 | 2,297 | 4,395 |
Stifel Financial Corp. St. Louis | none | bank | 733,926 | 763,065 | 96.2 | NA | 1,490,571 | |
12 | Franklin Resources Inc. San Mateo, Calif. | none | bank | 6,471,457 | 6,803,225 | 95.1 | 5,354,947 | 9,626,705 |
13 | Country Trust Bank Bloomington, Ill. | Illinois Agricultural Association | thrift | 18,861 | 20,010 | 94.3 | 17,032 | 28,295 |
14 | Nordstrom FSB Scottsdale, Ariz. | Nordstrom Inc. | thrift | 180,932 | 195,971 | 92.3 | 155,574 | 183,146 |
15 | Auto Club Trust FSB Dearborn, Mich. | Auto Club Insurance Association Group | thrift | 2,500 | 2,738 | 91.3 | 1,109 | 6,045 |
16 | Edward Jones Trust Co. St. Louis | Jones Financial Cos. LLLP | thrift | 14,349 | 15,890 | 90.3 | 12,112 | 37,808 |
17 | Bessemer Group Inc. Woodbridge, N.J. | none | bank | 304,084 | 337,019 | 90.2 | 260,360 | 1,450,741 |
18 | Nationwide Bank Columbus, Ohio | Nationwide Mutual Group | thrift | 268,372 | 298,978 | 89.8 | 215,120 | 1,126,185 |
19 | MassMutual Trust Co. FSB Enfield, Conn. | Massachusetts Mutual Life Insurance Co. | thrift | 4,596 | 5,153 | 89.2 | 3,686 | 15,362 |
20 | Seattle Savings Bank | Seattle Financial Group Inc. | bank | 148,925 | 171,016 | 87.1 | 74,477 | 613,640 |
21 | Independence Trust Co. Franklin, Tenn. | Independence Holding Corp. | thrift | 1,881 | 2,166 | 86.8 | 1,931 | 3,023 |
22 | Universal Savings Bank FA Milwaukee | Universal Savings Banc Holdings Inc. | thrift | 3,841 | 4,492 | 85.5 | 4,104 | 8,863 |
23 | First Community Bancshares Inc. Houston | none | bank | 168,699 | 199,932 | 84.4 | 168,174 | 948,537 |
24 | Bank of New York Mellon Corp. | none | bank | 9,265,000 | 11,363,000 | 81.5 | 5,257,000 | 197,839,000 |
25 | American Express Bank FSB Salt Lake City | American Express Co. | thrift | 4,763,949 | 5,889,621 | 80.9 | 3,522,117 | 25,039,727 |
26 | Marshall Bankfirst Corp. Minneapolis | none | bank | 82,934 | 102,836 | 80.6 | 31,256 | 536,501 |
27 | State Street Corp. Boston | none | bank | 6,599,477 | 8,335,953 | 79.2 | 5,185,866 | 142,936,851 |
28 | Pedcor Capital LLC Carmel, Ind. | none | bank | 25,492 | 32,455 | 78.5 | 12,771 | 361,264 |
29 | Lauritzen Corp. Omaha | none | bank | 91,033 | 117,633 | 77.4 | 94,053 | 1,309,043 |
30 | Independent Bankers Financial Corp. Irving, Tex. | none | bank | 83,247 | 109,315 | 76.2 | 70,308 | 1,863,027 |
31 | Northern Trust Corp. Chicago | none | bank | 2,670,607 | 3,508,968 | 76.1 | 2,264,726 | 67,611,226 |
32 | Cenlar FSB Trenton, N.J. | Cenlar Capital Corp. | thrift | 41,169 | 54,825 | 75.1 | 37,969 | 585,887 |
33 | CU Bank Shares Inc. Dallas | none | bank | 106,180 | 142,246 | 74.6 | 89,596 | 1,355,247 |
34 | Woodforest Financial Group Inc. The Woodlands, Tex. | none | bank | 221,290 | 301,871 | 73.3 | 159,112 | 2,526,114 |
35 | Taunus Corp. New York | Deutsche Bank AG | bank | 2,284,000 | 3,141,000 | 72.7 | 7,508,000 | 668,199,000 |
36 | MetLife Inc. New York | none | bank | 36,087,041 | 51,795,084 | 69.7 | 33,733,965 | 558,563,489 |
37 | Morgan Stanley Trust Jersey City | Morgan Stanley | thrift | 84,683 | 122,860 | 68.9 | 159,844 | 4,342,697 |
38 | United National Corp. Sioux Falls, S.D. | none | bank | 616,278 | 897,459 | 68.7 | 548,725 | 1,492,440 |
39 | NorthEast Community Bank (MHC) White Plains, N.Y. | Northeast Community Bancorp MHC | thrift | 19,977 | 29,861 | 66.9 | 998 | 318,817 |
40 | Two Rivers Bank and Trust Burlington, Iowa | Two Rivers Financial Group Inc. | thrift | 12,916 | 19,422 | 66.5 | 12,614 | 292,583 |
41 | Tolleson Wealth Management Inc. Dallas | none | bank | 12,260 | 18,494 | 66.3 | 8,827 | 208,775 |
42 | Rurban Financial Corp. Defiance, Ohio | none | bank | 26,859 | 41,649 | 64.5 | 23,360 | 561,214 |
43 | JPMorgan Chase & Co. New York | none | bank | 45,060,000 | 71,777,000 | 62.8 | 41,093,000 | 1,562,147,000 |
44 | Essex Savings Bank Conn. | none | bank | 12,541 | 20,695 | 60.6 | 10,145 | 258,914 |
45 | Urban Trust Bank Washington | Worldwide Financial Investors Inc. | thrift | 1,611 | 2,715 | 59.3 | 115 | 49,099 |
46 | Evolve Financial Group Inc. Cordova, Tenn. | none | bank | 4,094 | 6,964 | 58.8 | 2,083 | 95,277 |
47 | Access National Corp. Reston, Va. | none | bank | 27,707 | 47,829 | 57.9 | 27,633 | 622,376 |
48 | Alerus Financial Corp. Grand Forks, N.D. | none | bank | 33,231 | 58,076 | 57.2 | 26,051 | 706,843 |
49 | First National Banker's Bankshares Inc. Baton Rouge | none | bank | 15,715 | 27,679 | 56.8 | 12,317 | 556,211 |
50 | PNC Financial Services Group Inc. Pittsburgh | none | bank | 3,795,714 | 6,705,131 | 56.6 | 6,581,470 | 138,976,249 |
Pierce County Bancorp Tacoma | none | bank | 13,489 | 23,853 | 56.6 | 11,383 | 247,496 | |
52 | UMB Financial Corp. Kansas City, Mo. | none | bank | 287,122 | 520,816 | 55.1 | 255,534 | 9,342,959 |
SouthBank, FSB Huntsville, Ala. | Commonwealth Savingshares Corp. | thrift | 16,123 | 29,268 | 55.1 | 18,939 | 322,266 | |
54 | Lehman Brothers Bank FSB Wilmington, Del. | Lehman Brothers | thrift | 581,893 | 1,062,313 | 54.8 | 619,103 | 16,050,406 |
55 | Oneida Savings Bank (MHC) Oneida, N.Y. | Oneida Financial MHC | bank | 17,816 | 32,615 | 54.6 | 17,063 | 521,469 |
56 | First Investors Federal Savings Bank Edison, N.J. | First Investors Consolidated Corp. | thrift | 3,564 | 6,559 | 54.3 | 5,053 | 58,896 |
57 | Cass Information Systems Inc. Bridgeton, Mo. | none | bank | 47,863 | 89,582 | 53.4 | 42,473 | 903,040 |
58 | Capital One Financial Corp. McLean, Va. | none | bank | 7,677,927 | 14,460,776 | 53.1 | 6,860,202 | 150,590,369 |
59 | Boston Private Financial Holdings Inc. | none | bank | 214,099 | 404,706 | 52.9 | 170,472 | 6,835,657 |
USAA Federal Savings Bank San Antonio | United Services Automobile Association | thrift | 1,014,267 | 1,917,515 | 52.9 | 842,950 | 30,219,506 | |
61 | Amalgamated Investments Co. Chicago | none | bank | 25,886 | 49,615 | 52.2 | 21,172 | 788,498 |
62 | Ameri-National Corp. Overland Park, Kan. | none | bank | 20,374 | 39,462 | 51.6 | 19,542 | 1,082,382 |
U.S. Bancorp Minneapolis | none | bank | 7,150,000 | 13,854,000 | 51.6 | 6,843,000 | 237,615,000 | |
64 | Wilmington Trust Corp. Del. | none | bank | 383,380 | 754,880 | 50.8 | 343,700 | 11,622,601 |
65 | Farmers and Merchants Investment Inc. Lincoln, Neb. | none | bank | 57,061 | 112,915 | 50.5 | 55,483 | 1,731,968 |
66 | MetaBank Storm Lake, Iowa | Meta Financial Group Inc. | thrift | 22,454 | 45,218 | 49.7 | 15,034 | 727,262 |
67 | Domestic Bank Cranston, R.I. | Sargent Investors Inc. | thrift | 8,602 | 17,844 | 48.2 | 8,658 | 258,981 |
Safra National Bank New York | SNB Holding | bank | 61,402 | 127,387 | 48.2 | 45,336 | 4,016,641 | |
69 | Encore Bancshares Inc. Houston | none | bank | 31,267 | 65,239 | 47.9 | NA | 1,401,197 |
70 | Grand Bank for Savings FSB Hattiesburg, Miss. | Grand Financial Corp. | thrift | 3,818 | 7,980 | 47.8 | 2,025 | 100,873 |
CCB Financial Corp. Kansas City, Mo. | none | bank | 23,592 | 49,373 | 47.8 | 19,451 | 645,585 | |
72 | TCF Financial Corp. Wayzata, Minn. | none | bank | 516,504 | 1,095,566 | 47.1 | 480,510 | 16,067,612 |
73 | First Horizon National Corp. Memphis | none | bank | 838,172 | 1,782,433 | 47 | 1,228,625 | 37,017,239 |
74 | Farm Bureau Bank FSB Sparks, Nev. | FB BanCorp | thrift | 14,595 | 31,297 | 46.6 | 8,667 | 580,955 |
75 | Winter Trust of 12/3/74 Lawrence, Kan. | none | bank | 27,859 | 60,406 | 46.1 | NA | 589,526 |
76 | Silverton Financial Services Inc. Atlanta | none | bank | 56,914 | 123,761 | 46.0 | 44,582 | 2,407,089 |
77 | Central Community Corp. Temple, Tex. | none | bank | 31,715 | 69,305 | 45.8 | 10,443 | 978,479 |
Provident Bankshares Corp. Baltimore | none | bank | 124,188 | 271,400 | 45.8 | 119,236 | 6,466,798 | |
79 | Capitol Bancorp. Inc. Britton, S.D. | none | bank | 58,166 | 127,469 | 45.6 | 44,435 | 602,284 |
80 | MB Financial Inc. Chicago | none | bank | 181,706 | 401,546 | 45.3 | 101,398 | 7,834,703 |
81 | Bankers' Bancorp Inc. Springfield, Ill. | none | bank | 9,159 | 20,254 | 45.2 | 8,592 | 540,046 |
Marquette Financial Cos. Minneapolis | none | bank | 122,132 | 270,098 | 45.2 | 109,228 | 2,828,648 | |
83 | KeyCorp Cleveland | none | bank | 2,248,714 | 4,980,763 | 45.1 | 2,127,876 | 99,567,393 |
Washington Mutual Bank Henderson, Nev. | Washington Mutual Inc. | thrift | 7,327,434 | 16,259,823 | 45.1 | 7,840,698 | 327,205,503 | |
85 | Arvest Bank Group Inc. Bentonville, Ark. | none | bank | 272,560 | 607,848 | 44.8 | 239,019 | 9,731,046 |
Wells Fargo & Co. San Francisco | none | bank | 17,650,000 | 39,392,000 | 44.8 | 15,342,000 | 575,442,000 | |
87 | Dickinson Financial Corp. II Kansas City, Mo. | none | bank | 159,926 | 358,453 | 44.6 | 148,341 | 5,582,293 |
88 | Harris Financial Corp. Wilmington, Del. | Bank of Montreal | bank | 838,577 | 1,892,661 | 44.3 | 751,510 | 66,308,950 |
89 | Bank of America Corp. Charlotte | none | bank | 28,974,240 | 66,502,400 | 43.6 | 38,901,427 | 1,720,688,423 |
90 | Extraco Corp. Waco, Tex. | none | bank | 24,859 | 57,471 | 43.3 | 24,923 | 1,016,174 |
91 | Priority Bank Ozark, Ark. | Priority One Holding Co. | thrift | 1,332 | 3,081 | 43.2 | 1,475 | 46,604 |
MidCountry Bank Marion, Ill. | MidCountry Financial Corp. | thrift | 27,657 | 64,065 | 43.2 | 9,957 | 1,027,186 | |
93 | Wachovia Corp. Charlotte | none | bank | 13,497,000 | 31,345,000 | 43.1 | 14,414,000 | 782,896,000 |
94 | Southwest Georgia Financial Corp. Moultrie | none | bank | 6,715 | 15,628 | 43 | 7,676 | 271,653 |
95 | EverBank Jacksonville, Fla. | EverBank Financial Corp. | thrift | 125,310 | 292,377 | 42.9 | 109,630 | 5,512,385 |
96 | Greater Atlantic Bank Reston, Va. | Greater Atlantic Financial Corp. | thrift | 4,862 | 11,350 | 42.8 | 1,208 | 235,847 |
97 | Washington Trust Bancorp Inc. Westerly, R.I. | none | bank | 45,023 | 105,422 | 42.7 | 41,727 | 2,541,128 |
98 | First Security Bancorp Searcy, Ark. | none | bank | 53,391 | 125,403 | 42.6 | 46,976 | 2,343,605 |
99 | BOK Financial Corp. Tulsa | none | bank | 395,225 | 931,382 | 42.4 | 365,410 | 20,902,545 |
Plains Capital Corp. Dallas | Maedgen and White Ltd. | bank | 85,363 | 201,320 | 42.4 | 105,195 | 3,181,754 | |
101 | Old National Bancorp Evansville, Ind. | none | bank | 158,161 | 374,329 | 42.3 | 152,320 | 7,847,799 |
102 | Midwest Heritage Bank FSB Chariton, Iowa | Hy-Vee Inc. | thrift | 3,723 | 8,853 | 42.1 | 3,135 | 122,905 |
103 | Fifth Third Bancorp Cincinnati | none | bank | 2,297,050 | 5,475,634 | 42 | 2,441,903 | 110,961,509 |
104 | Commerce Bancshares Inc. Kansas City, Mo. | none | bank | 389,526 | 929,943 | 41.9 | 373,280 | 16,212,371 |
105 | BB&T Corp. Winston-Salem, N.C. | none | bank | 2,776,758 | 6,654,200 | 41.7 | 2,593,997 | 132,617,601 |
Johnson Financial Group Inc. Racine, Wis. | none | bank | 95,341 | 228,540 | 41.7 | 86,809 | 4,959,212 | |
107 | MountainOne Financial Partners MHC North Adams, Mass. | none | bank | 10,466 | 25,287 | 41.4 | 9,154 | 874,093 |
108 | East Bridgewater Savings Bank Mass. | none | bank | 1,859 | 4,507 | 41.2 | 298 | 124,017 |
109 | Citigroup Inc. New York | none | bank | 33,572,000 | 81,956,000 | 41 | 48,362,000 | 2,187,631,000 |
110 | Commerce Bancshares Corp. Worcester, Mass. | none | bank | 16,662 | 40,732 | 40.9 | 16,309 | 999,907 |
111 | OmniAmerican Bank Fort Worth | none | thrift | 18,024 | 44,345 | 40.6 | 18,084 | 1,050,917 |
112 | Guaranty Bank Milwaukee | Guaranty Financial MHC | thrift | 73,512 | 181,730 | 40.5 | 84,573 | 1,795,053 |
113 | Southern National Banks Inc. Fort Walton Beach, Fla. | none | bank | 11,639 | 28,793 | 40.4 | 10,720 | 380,395 |
114 | American Investors Bank and Mortgage Eden Prairie, Minn. | Bank Financial Services Inc. | thrift | 906 | 2,249 | 40.3 | 2,427 | 41,968 |
115 | Ulster Savings Bank Kingston, N.Y. | none | bank | 15,002 | 37,407 | 40.1 | 13,094 | 645,327 |
116 | Alliance Financial Corp. Syracuse, N.Y. | none | bank | 21,600 | 54,070 | 39.9 | 17,718 | 1,307,938 |
117 | First Federal Bank FSB Tuscaloosa, Ala. | Southeastern Financial Inc. | thrift | 4,560 | 11,480 | 39.7 | 3,769 | 138,597 |
H&R Block Bank Kansas City, Mo. | H&R Block Inc. | thrift | 25,438 | 64,042 | 39.7 | 0 | 1,495,905 | |
119 | Peoples Bancorp Inc. Marietta, Ohio | none | bank | 31,426 | 79,285 | 39.6 | 30,860 | 1,886,068 |
120 | First Savings Bank Beresford, S.D. | Beresford Bancorp. Inc. | thrift | 21,651 | 54,954 | 39.4 | 21,421 | 445,162 |
121 | 1st Source Corp. South Bend, Ind. | none | bank | 74,456 | 190,304 | 39.1 | 76,771 | 4,446,941 |
122 | Nextier Inc. Butler, Pa. | none | bank | 11,135 | 28,538 | 39 | 10,037 | 506,841 |
SunTrust Banks Inc. Atlanta | none | bank | 3,167,378 | 8,130,039 | 39 | 3,518,357 | 179,573,933 | |
124 | Chemung Financial Corp. Elmira, N.Y. | none | bank | 16,549 | 42,490 | 38.9 | 14,250 | 788,910 |
VIST Financial Corp. Wyomissing, Pa. | none | bank | 19,871 | 51,116 | 38.9 | 20,716 | 1,124,951 | |
126 | SouthFirst Bank Sylacauga, Ala. | SouthFirst Bancshares Inc. | thrift | 2,611 | 6,752 | 38.7 | 3,046 | 137,386 |
127 | Regions Financial Corp. Birmingham, Ala. | none | bank | 2,762,410 | 7,154,435 | 38.6 | 1,978,878 | 141,043,932 |
Herring Bancorp Inc. Amarillo, Tex. | none | bank | 8,644 | 22,414 | 38.6 | 6,690 | 338,349 | |
Teche Federal Bank Franklin, La. | Teche Holding Co. | thrift | 14,634 | 37,961 | 38.6 | 13,532 | 733,754 | |
130 | C&F Financial Corp. West Point, Va. | none | bank | 25,857 | 67,325 | 38.4 | 27,283 | 784,164 |
131 | Bryn Mawr Bank Corp. Pa. | none | bank | 21,323 | 56,024 | 38.1 | 18,102 | 1,002,096 |
BankAtlantic Fort Lauderdale, Fla. | BFC Financial Corp. | thrift | 124,610 | 327,441 | 38.1 | 132,389 | 6,162,029 | |
133 | West Bend Savings Bank (MHC) Wis. | WBSB Bancorp MHC | thrift | 7,415 | 19,493 | 38 | 6,438 | 441,528 |
Financial Federal Savings Bank Memphis | Financial Fedcorp Inc. | thrift | 5,411 | 14,225 | 38 | 4,681 | 319,905 | |
Northeast Bancorp Lewiston, Maine | none | bank | 8,938 | 23,507 | 38 | 7,451 | 588,436 | |
136 | IberiaBank Corp. Lafayette, La. | none | bank | 75,837 | 200,265 | 37.9 | 27,782 | 4,916,958 |
137 | AmeriServ Financial Inc. Johnstown, Pa. | none | bank | 14,707 | 38,930 | 37.8 | 12,841 | 904,878 |
138 | First Citizens BancShares Inc. Raleigh | none | bank | 292,008 | 773,725 | 37.7 | 279,963 | 16,229,958 |
Bank of Hawaii Corp. Honolulu | none | bank | 244,554 | 648,287 | 37.7 | 221,973 | 10,472,942 | |
140 | Forethought Federal Savings Bank Batesville, Ind. | none | thrift | 1,890 | 5,037 | 37.5 | 2,002 | 121,886 |
141 | Texas Independent Bancshares Inc. Texas City | none | bank | 14,264 | 38,119 | 37.4 | 13,241 | 610,048 |
142 | First Federal Savings Bank of Boston | First Eastern Bankshares Corp. | thrift | 2,086 | 5,588 | 37.3 | 3,761 | 46,520 |
Moody Bancshares Inc. Galveston, Tex. | none | bank | 10,117 | 27,159 | 37.3 | 10,030 | 829,677 | |
144 | Carbon County Holding Co. Rawlins, Wyo. | none | bank | 4,433 | 11,932 | 37.2 | 3,846 | 167,355 |
145 | International Bancshares Corp. Laredo, Tex. | none | bank | 175,953 | 474,727 | 37.1 | 174,196 | 11,167,161 |
146 | Wilmington Savings Fund Society FSB Del. | WSFS Financial Corp. | thrift | 51,225 | 138,358 | 37 | 39,721 | 3,199,157 |
S.Y. Bancorp Inc. Louisville | none | bank | 31,605 | 85,382 | 37 | 29,358 | 1,482,519 | |
National City Corp. Cleveland | none | bank | 2,589,301 | 7,001,893 | 37 | 4,030,944 | 150,383,641 | |
Tompkins Financial Corp. Ithaca, N.Y. | none | bank | 43,665 | 118,078 | 37 | 41,076 | 2,359,459 | |
150 | First Niagara Bank Lockport, N.Y. | First Niagara Financial Group Inc. | thrift | 128,619 | 350,502 | 36.7 | 108,572 | 8,082,041 |
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.
Source: SNL Financial, Charlottesville, Va.
© 2008 American Banker