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 Dec. 31, 2007. Dollars in thousands
Published June 25, 2008

Rank   Parent company Type of holding company Full-year 2006 noninterest income 2007 assets
Noninterest income Total net income Ratio
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.
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