Bank and Thrift Holding Companies with Largest Home Equity Loan Portfolios

March 19, 2009, 10:08 a.m. EDT 1 Min Read

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Bank and Thrift Holding Companies with Largest Home Equity Loan PortfoliosOn Sept. 30, 2008. Dollars in thousands Published March 19, 2009
Rank		Type of holding company	Home equity loans			Home equity loans (year earlier)			Change in total HE loans	Total loans
Rank		Type of holding company	Total	Closed-end	Lines of credit*	Total	Closed-end	Lines of credit*	Change in total HE loans	Total loans
1	Bank of America Corp. Charlotte	bank	$152,105,340	$38,582,943	$113,522,397	$104,158,644	$17,401,201	$86,757,443	46.0%	$967,736,912
2	JPMorgan Chase & Co. New York	bank	129,846,000	18,203,000	111,643,000	82,393,000	17,540,000	64,853,000	57.6	785,434,000
3	Wells Fargo & Co. San Francisco	bank	85,432,000	16,042,000	69,390,000	83,860,000	18,495,000	65,365,000	1.9	430,423,000
4	Citigroup Inc. New York	bank	68,557,000	37,725,000	30,832,000	70,150,000	42,636,000	27,514,000	-2.3	786,358,000
5	Royal Bank of Scotland Group PLC Edinburgh	foreign	24,394,464	11,756,980	12,637,484	24,292,401	13,399,696	10,892,705	0.4	112,914,434
6	SunTrust Banks Inc. Atlanta	bank	22,829,326	6,670,273	16,159,053	21,620,549	7,021,775	14,598,774	5.6	131,478,156
7	U.S. Bancorp Minneapolis	bank	18,207,000	4,000,000	14,207,000	16,210,000	4,379,000	11,831,000	12.3	172,979,000
8	HSBC Holdings PLC London	foreign	15,946,517	9,366,095	6,580,422	19,033,478	11,922,639	7,110,839	-16.2	262,452,153
9	Regions Financial Corp. Birmingham, Ala.	bank	14,150,201	854,248	13,295,953	12,455,909	958,555	11,497,354	13.6	99,923,136
10	PNC Financial Services Group Inc. Pittsburgh	bank	11,995,967	4,374,620	7,621,347	11,251,698	4,568,461	6,683,237	6.6	77,146,593
11	Fifth Third Bancorp Cincinnati	bank	11,963,962	1,487,927	10,476,035	11,177,624	1,581,063	9,596,561	7.0	86,495,930
12	E-Trade Financial Corp. New York	thrift	10,558,186	2,937,493	7,620,693	12,666,496	3,779,872	8,886,624	-16.6	31,716,223
13	KeyCorp Cleveland	bank	9,495,390	1,695,999	7,799,391	9,036,788	1,897,395	7,139,393	5.1	78,179,813
14	BB&T Corp. Winston-Salem, N.C.	bank	7,896,416	2,644,507	5,251,909	7,216,545	2,952,659	4,263,886	9.4	96,681,655
15	Toronto-Dominion Bank	foreign	6,778,519	2,522,331	4,256,188	3,467,406	832,545	2,634,861	95.5	49,634,375
16	First Horizon National Corp. Memphis	bank	6,482,107	1,996,765	4,485,342	6,887,380	2,244,138	4,643,242	-5.9	22,320,675
17	Huntington Bancshares Inc. Columbus, Ohio	bank	6,162,694	1,901,263	4,261,431	7,252,571	3,348,433	3,904,138	-15.0	41,460,662
18	BMO Financial Group Toronto	foreign	5,200,698	1,419,476	3,781,222	4,432,354	1,408,818	3,023,536	17.3	38,911,115
19	Allied Irish Banks PLC Dublin	foreign	5,094,196	496,844	4,597,352	4,674,009	520,205	4,153,804	9.0	48,693,543
20	Marshall & Ilsley Corp. Milwaukee	bank	3,667,388	1,072,975	2,594,413	2,939,631	890,510	2,049,121	24.8	50,417,242
21	Royal Bank of Canada Toronto	foreign	3,571,904	846,621	2,725,283	2,519,097	680,942	1,838,155	41.8	21,272,579
22	BNP Paribas Group Paris	foreign	3,444,128	1,109,068	2,335,060	2,968,712	1,228,263	1,740,449	16.0	54,437,141
23	Mitsubishi UFJ Financial Group Inc. Tokyo	foreign	3,387,931	59,529	3,328,402	2,422,946	60,028	2,362,918	39.8	48,306,118
24	Banco Bilbao Vizcaya Argentaria SA Spain	foreign	3,226,478	636,104	2,590,374	2,599,295	654,646	1,944,649	24.1	37,858,332
25	Webster Financial Corp. Waterbury, Conn.	bank	2,802,994	956,506	1,846,488	2,742,468	1,116,451	1,626,017	2.2	12,869,651
26	TCF Financial Corp. Wayzata, Minn.	bank	2,710,740	1,077,959	1,632,781	2,483,724	1,133,736	1,349,988	9.1	13,105,237
27	Third Federal Savings and Loan Association Cleveland	thrift	2,507,524	245,116	2,262,408	1,884,249	292,573	1,591,676	33.1	9,424,785
28	Zions Bancorp. Salt Lake City	bank	2,417,250	398,670	2,018,580	1,921,311	360,419	1,560,892	25.8	41,930,195
29	Capital One Financial Corp. McLean, Va.	bank	2,275,943	648,238	1,627,705	2,677,171	828,865	1,848,306	-15.0	98,434,621
30	Comerica Inc. Dallas	bank	2,222,267	643,275	1,578,992	2,041,701	753,843	1,287,858	8.8	51,629,088
31	Charles Schwab Corp. San Francisco	thrift	2,175,158	431	2,174,727	0	0	0	NA	5,588,936
32	Northern Trust Corp. Chicago	bank	2,099,864	128,178	1,971,686	1,756,700	91,414	1,665,286	19.5	29,874,380
33	Associated Banc-Corp Green Bay, Wis.	bank	2,085,676	721,171	1,364,505	2,232,985	726,324	1,506,661	-6.6	16,313,399
34	Synovus Financial Corp. Columbus, Ga.	bank	2,018,106	318,667	1,699,439	1,823,673	321,928	1,501,745	10.7	27,766,605
35	First Citizens Bancshares Inc. Raleigh	bank	1,864,350	71,172	1,793,178	1,540,355	85,697	1,454,658	21.0	11,627,635
36	Peoples United Financial Inc. Bridgeport, Conn.	thrift	1,839,590	341,458	1,498,132	1,217,696	290,349	927,347	51.1	14,345,580
37	B.F. Saul Co. Chevy Chase, Md.	thrift	1,534,617	327,538	1,207,079	1,647,016	388,061	1,258,955	-6.8	11,855,996
38	Fulton Financial Corp. Lancaster, Pa.	bank	1,428,027	666,368	761,659	1,224,502	685,929	538,573	16.6	11,894,619
39	Irwin Financial Corp. Columbus, Ind.	bank	1,397,602	1,010,971	386,631	1,633,463	1,189,055	444,408	-14.4	4,695,149
40	Popular Inc. Hato Rey, Puerto Rico	bank	1,351,000	522,000	829,000	1,768,000	1,219,000	549,000	-23.6	27,207,000
41	AmTrust Financial Corp. Cleveland	thrift	1,325,416	827,868	497,548	1,347,092	827,971	519,121	-1.6	12,172,665
42	Principal Financial Group Inc. Des Moines	thrift	1,073,159	446,916	626,243	755,168	268,092	487,076	42.1	1,895,135
43	Citizens Republic Bancorp Inc. Flint, Mich.	bank	1,062,881	363,665	699,216	1,122,366	416,127	706,239	-5.3	9,484,728
44	FBOP Corp. Oak Park, Ill.	bank	1,033,652	53,122	980,530	727,236	58,646	668,590	42.1	13,772,915
45	Provident Bankshares Corp. Baltimore	bank	1,019,997	261,905	758,092	943,555	310,178	633,377	8.1	4,267,450
46	FirstMerit Corp. Akron	bank	989,368	280,048	709,320	1,000,058	301,052	699,006	-1.1	7,390,854
47	Bank of Hawaii Corp. Honolulu	bank	965,901	251,708	714,193	944,188	272,506	671,682	2.3	6,554,361
48	Wintrust Financial Corp. Lake Forest, Ill.	bank	955,861	63,818	892,043	757,949	64,001	693,948	26.1	7,410,379
49	Guaranty Financial Milwaukee	thrift	845,891	444,547	401,344	975,835	568,737	407,098	-13.3	1,284,186
50	National Penn Bancshares Inc. Boyertown, Pa.	bank	782,061	437,615	344,446	447,130	255,640	191,490	74.9	6,207,621
51	Otto Bremer Foundation St. Paul	bank	780,825	328,543	452,282	783,417	335,514	447,903	-0.3	5,658,558
52	BancorpSouth Inc. Tupelo, Miss.	bank	769,980	269,492	500,488	655,120	264,199	390,921	17.5	9,788,782
53	Colonial BancGroup Inc. Montgomery, Ala.	bank	730,968	77,195	653,773	909,250	315,375	593,875	-19.6	17,229,065
54	BFC Financial Corp. Fort Lauderdale, Fla.	thrift	727,731	18,969	708,762	662,356	20,433	641,923	9.9	4,712,565
55	Susquehanna Bancshares Inc. Lititz, Pa.	bank	720,279	403,363	316,916	340,843	216,889	123,954	111.3	9,454,094
56	First American Bank Corp. Elk Grove Village, Ill.	bank	703,117	150,117	553,000	737,724	176,314	561,410	-4.7	2,110,794
57	Flagstar Bancorp Inc. Troy, Mich.	thrift	693,760	291,522	402,238	688,670	322,837	365,833	0.7	11,023,648
58	Wilmington Trust Corp. Del.	bank	686,592	228,874	457,718	638,526	229,907	408,619	7.5	9,685,791
59	First Citizens Bancorp. Inc. Columbia, S.C.	bank	677,190	29,779	647,411	592,072	26,898	565,174	14.4	4,558,288
60	City National Corp. Beverly Hills	bank	673,716	132,778	540,938	476,957	72,088	404,869	41.3	12,278,517
61	United Bankshares Inc. Charleston, W.Va.	bank	669,315	116,215	553,100	624,605	118,785	505,820	7.2	5,912,336
62	Harleysville National Corp. Pa.	bank	666,558	329,037	337,521	654,124	383,786	270,338	1.9	2,539,037
63	South Financial Group Inc. Greenville, S.C.	bank	651,675	55,467	596,208	564,989	45,357	519,632	15.3	10,349,675
64	Valley National Bancorp Wayne, N.J.	bank	651,537	291,783	359,754	601,412	282,933	318,479	8.3	10,059,648
65	Northwest Bancorp Warren, Pa.	thrift	637,701	482,736	154,965	627,607	498,402	129,205	1.6	5,141,226
66	Commerce Bancshares Inc. Kansas City, Mo.	bank	621,516	144,660	476,856	580,578	139,699	440,879	7.1	11,383,905
67	First Niagara Financial Group Inc. Lockport, N.Y.	thrift	618,276	300,904	317,372	516,797	308,163	208,634	19.6	6,417,247
68	Midland Financial Co. Oklahoma City	thrift	616,354	510,518	105,836	467,763	416,436	51,327	31.8	9,592,299
69	NBT Bancorp Inc. Norwich, N.Y.	bank	601,223	421,114	180,109	576,197	416,931	159,266	4.3	3,607,321
70	F.N.B. Corp. Hermitage, Pa.	bank	563,143	281,432	281,711	393,899	184,172	209,727	43.0	5,882,757
71	Arvest Bank Group Inc. Bentonville, Ark.	bank	550,432	306,090	244,342	489,379	274,640	214,739	12.5	7,478,866
72	NewAlliance Bancshares Inc. New Haven	bank	538,738	258,863	279,875	540,552	304,152	236,400	-0.3	4,958,182
73	First Midwest Bancorp Inc. Itasca, Ill.	bank	531,158	139,024	392,134	531,047	164,376	366,671	0.0	5,217,008
74	Fremont Bancorp. Calif.	bank	515,895	113,308	402,587	474,377	174,162	300,215	8.8	1,711,206
75	ING Group NV Amsterdam	foreign	501,916	62,244	439,672	384,626	41,801	342,825	30.5	33,177,696
76	Sterling Financial Corp. Spokane	bank	501,663	411,672	89,991	489,253	391,872	97,381	2.5	9,338,105
77	First Banks Inc. Clayton, Mo.	bank	497,582	90,065	407,517	389,420	96,418	293,002	27.8	8,875,171
78	BankUnited Financial Corp. Coral Gables, Fla.	thrift	478,499	83,742	394,757	425,500	94,816	330,684	12.5	11,810,558
79	Glacier Bancorp Inc. Kalispell, Mont.	bank	476,045	91,222	384,823	387,145	93,315	293,830	23.0	3,922,621
80	BOK Financial Corp. Tulsa	bank	455,816	289,524	166,292	407,968	272,726	135,242	11.7	12,781,266
81	Pacific Capital Bancorp Santa Barbara, Calif.	bank	447,786	143,239	304,547	400,640	143,176	257,464	11.8	5,865,964
82	United Community Banks Inc. Blairsville, Ga.	bank	439,101	56,506	382,595	388,192	52,023	336,169	13.1	5,847,700
83	Old National Bancorp Evansville, Ind.	bank	411,707	156,135	255,572	413,649	166,836	246,813	-0.5	4,693,379
84	First Commonwealth Financial Corp. Indiana, Pa.	bank	401,607	146,455	255,152	337,730	159,792	177,938	18.9	4,184,600
85	Eastern Bank Corp. Boston	bank	401,473	180,108	221,365	395,913	207,581	188,332	1.4	4,059,701
86	Johnson Financial Group Inc. Racine, Wis.	bank	395,399	76,341	319,058	324,816	66,135	258,681	21.7	4,354,031
87	MB Financial Inc. Chicago	bank	388,059	22,096	365,963	372,046	28,451	343,595	4.3	6,096,047
88	UMB Financial Corp. Kansas City, Mo.	bank	387,255	20,257	366,998	279,890	20,094	259,796	38.4	4,244,328
89	Sandy Spring Bancorp Inc. Olney, Md.	bank	381,735	126,723	255,012	343,009	128,650	214,359	11.3	2,486,959
90	Trustmark Corp. Jackson, Miss.	bank	378,112	39,137	338,975	353,921	48,727	305,194	6.8	6,894,892
91	W.T.B. Financial Corp. Spokane	bank	374,103	39,709	334,394	288,793	48,055	240,738	29.5	3,201,227
92	Columbia Savings Bank Fair Lawn, N.J.	thrift	373,962	286,305	87,657	358,276	283,105	75,171	4.4	3,375,981
93	Sun Bancorp Inc. Vineland, N.J.	bank	373,473	102,724	270,749	350,809	92,405	258,404	6.5	2,666,139
94	Central Banco. Inc. Jefferson City, Mo.	bank	372,664	137,889	234,775	340,770	134,597	206,173	9.4	5,889,976
95	Encore Bancshares Inc. Houston	bank	371,821	291,933	79,888	223,980	147,884	76,096	66.0	1,198,894
96	TriCo Bancshares Chico, Calif.	bank	371,159	32,644	338,515	345,942	39,438	306,504	7.3	1,563,236
97	Bank of New York Mellon Corp.	bank	370,000	37,000	333,000	358,000	37,000	321,000	3.4	59,121,000
98	Park National Corp. Newark, Ohio	bank	367,886	99,688	268,198	346,758	97,449	249,309	6.1	4,466,671
99	Hudson City Bancorp Inc. Paramus, N.J.	thrift	367,311	267,258	100,053	386,864	283,276	103,588	-5.1	28,562,435
100	Republic Bancorp Inc. Louisville	bank	360,601	59,989	300,612	345,584	71,160	274,424	4.3	2,325,131
101	First Interstate BancSystem Inc. Billings, Mont.	bank	359,793	211,139	148,654	266,472	174,376	92,096	35.0	4,741,353
102	Independent Bank Corp. Rockland, Mass.	bank	357,909	89,507	268,402	301,747	105,010	196,737	18.6	2,583,916
103	Cullen/Frost Bankers Inc. San Antonio	bank	354,862	242,200	112,662	266,615	178,392	88,223	33.1	8,605,240
104	Boston Private Financial Holdings Inc.	bank	353,906	31,161	322,745	295,365	34,961	260,404	19.8	5,479,361
105	FirstBank Holding Co. Lakewood, Colo.	bank	353,394	112,043	241,351	289,721	115,198	174,523	22.0	3,938,562
106	Hancock Holding Co. Gulfport, Miss.	bank	352,247	72,591	279,656	389,140	181,729	207,411	-9.5	4,089,509
107	First Place Financial Corp. Warren, Ohio	thrift	350,832	135,201	215,631	811	310	501	43159.2	2,691,036
108	Ameriprise Financial Inc. Minneapolis	thrift	348,637	1,001	347,636	332,324	26	332,298	4.9	439,981
109	Iberiabank Corp. Lafayette, La.	bank	343,543	209,098	134,445	296,173	197,440	98,733	16.0	3,691,014
110	First Financial Holdings Inc. Charleston, S.C.	thrift	341,168	18,837	322,331	284,236	20,154	264,082	20.0	2,352,694
111	International Bancshares Corp. Laredo, Tex.	bank	325,924	314,198	11,726	192,461	181,231	11,230	69.3	5,740,715
112	Astoria Financial Corp. Lake Success, N.Y.	thrift	319,416	10,297	309,119	349,736	11,304	338,432	-8.7	16,726,942
113	Pulaski Financial Corp. St. Louis	thrift	318,345	90,801	227,544	327,588	102,568	225,020	-2.8	1,171,961
114	First Financial Bancorp. Cincinnati	bank	317,754	27,371	290,383	280,425	21,721	258,704	13.3	2,675,694
115	Lehman Brothers Holdings Inc. New York	thrift	316,519	315,466	1,053	1,502,074	1,500,562	1,512	-78.9	6,572,131
116	EverBank Financial Corp. Jacksonville, Fla.	thrift	313,526	61,916	251,610	248,173	11,248	236,925	26.3	4,791,851
117	Doral GP Ltd. San Juan, Puerto Rico	bank	306,198	306,198	0	233,856	233,856	0	30.9	5,463,178
118	TrustCo Bank Corp NY Glenville	thrift	303,028	66,438	236,590	297,758	65,384	232,374	1.8	2,085,955
119	Rabobank Nederland Utrecht, Netherlands	foreign	301,914	59,552	242,362	267,619	53,058	214,561	12.8	14,158,577
120	Amcore Financial Inc. Rockford, Ill.	bank	301,668	117,197	184,471	301,851	134,908	166,943	-0.1	3,810,717
121	Anchor BanCorp Wisconsin Inc. Madison	thrift	293,151	156,464	136,687	244,530	163,207	81,323	19.9	4,134,562
122	Alpine Banks of Colorado Glenwood Springs	bank	289,757	47,264	242,493	234,405	53,696	180,709	23.6	2,086,394
123	Provident Financial Services Inc. Jersey City	bank	287,776	177,781	109,995	487,628	403,788	83,840	-41.0	4,378,147
124	Capitol Bancorp Ltd. Lansing, Mich.	bank	284,269	84,910	199,359	223,293	73,504	149,789	27.3	4,669,606
125	Umpqua Holdings Corp. Portland, Ore.	bank	281,608	27,261	254,347	230,304	28,345	201,959	22.3	6,175,368
126	TierOne Corp. Lincoln, Neb.	thrift	273,436	149,181	124,255	307,356	185,506	121,850	-11.0	2,777,706
127	Aurora Service Corp. Maple Grove, Minn.	thrift	269,883	161,588	108,295	257,166	163,678	93,488	4.9	662,844
128	WSFS Financial Corp. Wilmington, Del.	thrift	269,330	136,846	132,484	251,053	147,301	103,752	7.3	2,356,603
129	West Suburban Bancorp Inc. Lombard, Ill.	bank	261,980	155,400	106,580	280,219	184,114	96,105	-6.5	1,247,164
130	Riverside Banking Co. Fort Pierce, Fla.	bank	257,771	47,950	209,821	250,180	54,965	195,215	3.0	2,564,604
131	StellarOne Corp. Charlottesville, Va.	bank	257,755	58,303	199,452	127,488	26,849	100,639	102.2	2,295,981
132	West Coast Bancorp Lake Oswego, Ore.	bank	254,143	24,158	229,985	214,769	21,308	193,461	18.3	2,109,857
133	WesBanco Inc. Wheeling, W.Va.	bank	253,919	31,406	222,513	189,535	24,509	165,026	34.0	3,607,343
134	Whitney Holding Corp. New Orleans	bank	253,754	103,669	150,085	245,340	111,429	133,911	3.4	8,085,726
135	Washington Trust Bancorp Inc. Westerly, R.I.	bank	252,527	93,690	158,837	239,530	99,798	139,732	5.4	1,770,114
136	NewBridge Bancorp Greensboro, N.C.	bank	249,587	23,968	225,619	218,826	16,883	201,943	14.1	1,626,504
137	Guaranty Financial Group Inc. Austin	thrift	248,687	163,344	85,343	234,737	171,866	62,871	5.9	10,313,210
138	United Community Financial Corp. Youngstown, Ohio	thrift	244,705	104,459	140,246	227,627	97,465	130,162	7.5	2,292,670
139	First Bancorp Troy, N.C.	bank	243,385	32,061	211,324	205,498	24,572	180,926	18.4	2,215,209
140	HomeStreet Inc. Seattle	thrift	243,354	114,393	128,961	236,618	134,694	101,924	2.8	2,573,811
141	Integra Bank Corp. Evansville, Ind.	bank	241,980	68,229	173,751	224,935	69,788	155,147	7.6	2,467,489
142	Pinnacle Financial Partners Inc. Nashville	bank	239,004	28,660	210,344	130,455	11,171	119,284	83.2	3,218,071
143	American Chartered Bancorp Inc. Schaumburg, Ill.	bank	237,790	42,400	195,390	187,784	38,417	149,367	26.6	2,225,018
144	PrivateBancorp Inc. Chicago	bank	234,878	50,799	184,079	166,670	50,861	115,809	40.9	7,447,874
145	Independent Bank Corp. Ionia, Mich.	bank	234,081	115,543	118,538	242,810	117,969	124,841	-3.6	2,532,115
146	City Holding Co. Charleston, W.Va.	bank	232,693	52,149	180,544	239,037	51,407	187,630	-2.7	1,777,693
147	S&T Bancorp Inc. Indiana, Pa.	bank	230,499	145,865	84,634	161,202	105,227	55,975	43.0	3,578,587
148	Provident New York Bancorp Montebello	thrift	225,060	59,853	165,207	222,374	61,017	161,357	1.2	1,731,860
149	Midwest Banc Holdings Inc. Melrose Park, Ill.	bank	224,722	29,766	194,956	144,628	33,644	110,984	55.4	2,494,225
150	Bangor Bancorp Maine	bank	223,926	22,652	201,274	213,656	19,858	193,798	4.8	1,708,708

*Total committed loans. Data for top-tier bank holding companies based on Y-9C filings. Data for thrift holding companies and savings bank holding companies based on TFR filings by their subsidiaries.

Source:

SNL Financial