Bank, Thrift Holding Companies with Highest Noninterest Income Ratios

Published June 21, 2007, 10:08 a.m. EDT

Updated January 02, 1970, 9:08 a.m. EST

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Bank, Thrift Holding Companies with Highest Noninterest Income Ratios

Bank, Thrift Holding Companies with Highest Noninterest Income Ratios
In 2006. Dollars in thousands Published June 21, 2007
			Type of holding company				2005 Noninterest	Dec. 31 Assets
		Ultimate parent	Type of holding company	Noninterest	Total	Noninterest	2005 Noninterest	Dec. 31 Assets
1	FDS Bank Mason, Ohio	Federated Department Stores Inc.	thrift	$722,245	$728,667	99.12%	$579,222	$159,944
2	Morgan Stanley Trust Jersey City, N.J.	Morgan Stanley	thrift	159,844	162,278	98.5	185,854	65,174
3	SEI Private Trust Co. Oaks, Pa.	SEI Investments Co.	thrift	134,572	136,797	98.37	116,799	67,225
4	National Advisors Trust Co. FSB Overland Park, Kan.	National Advisors Holdings Inc.	thrift	3,785	3,886	97.4	3,159	3,978
5	Davidson Trust Co. Great Falls, Mont.	DADCO Inc., ESOP	thrift	5,507	5,673	97.07	5,430	5,207
6	MMA Trust Co. Goshen, Ind.	Mennonite Mutual Aid Association	thrift	2,297	2,368	97	1,946	4,000
7	TIAA-CREF Trust Co. FSB St. Louis	TIAA Board of Overseers	thrift	20,005	20,669	96.79	17,088	15,831
8	Capital Bank and Trust Co. Brea, Calif.	Capital Group Cos. Inc.	thrift	104,887	108,886	96.33	88,482	124,297
9	Northwestern Mutual Wealth Management Co. Milwaukee	Northwestern Mutual Life Insurance Co.	thrift	8,764	9,112	96.18	4,769	34,145
10	Franklin Resources Inc. San Mateo, Calif.	none	bank	5,354,947	5,585,538	95.87	4,528,672	9,684,169
11	Fidelity Personal Trust Co. FSB Boston	FMR Corp.	thrift	11,832	12,347	95.83	7,494	15,140
12	A.G. Edwards Trust Co. FSB St. Louis	A.G. Edwards Inc.	thrift	31,976	33,905	94.31	28,595	42,763
13	Country Trust Bank Bloomington, Ill.	Illinois Agricultural Association	thrift	17,032	18,160	93.79	14,619	28,348
14	Frontier Trust Co. FSB Fargo, N.D.	AXA, Paris	thrift	5,787	6,242	92.71	7,470	9,339
15	Nordstrom FSB Scottsdale, Ariz.	Nordstrom Inc.	thrift	155,574	169,218	91.94	128,632	509,837
16	Bessemer Group Inc. Woodbridge, N.J.	none	bank	260,360	288,031	90.39	223,921	1,091,129
17	Mellon Financial Corp. Pittsburgh	none	bank	4,852,332	5,397,701	89.9	4,300,378	41,584,506
18	Independence Trust Co. Franklin, Tenn.	Independence Holding Corp.	thrift	1,931	2,169	89.03	1,639	3,040
19	INATrust FSB Wilmington, Del.	Ace Ltd.	thrift	1,619	1,823	88.81	1,491	2,596
20	Taunus Corp. New York	Deutsche Bank	bank	7,508,000	8,723,000	86.07	5,578,000	430,398,000
21	First Community Bancshares Inc. Houston	none	bank	168,174	196,483	85.59	166,311	876,957
22	State Street Corp. Boston	none	bank	5,185,866	6,311,429	82.17	4,567,197	107,385,095
23	Investors Financial Services Corp. Boston	none	bank	632,750	803,648	78.73	514,444	11,558,304
24	Lauritzen Corp. Omaha	none	bank	94,053	119,893	78.45	72,452	1,228,052
25	CU Bank Shares Inc. Dallas	none	bank	89,596	114,727	78.09	81,844	868,770
26	Bank of New York Co. Inc. New York	none	bank	5,257,000	6,742,000	77.97	4,918,000	103,455,000
27	American Express Bank FSB Salt Lake City	American Express Co.	thrift	3,522,117	4,611,590	76.38	2,360,510	19,817,382
28	PNC Financial Services Group Inc. Pittsburgh	none	bank	6,581,470	8,619,350	76.36	4,203,316	101,854,178
29	Northern Trust Corp. Chicago	none	bank	2,264,726	2,996,117	75.59	1,963,440	60,712,241
30	Cenlar FSB Trenton, N.J.	Cenlar Capital Corp.	thrift	37,969	50,581	75.07	35,937	489,794
31	Independent Bankers Financial Corp. Irving, Tex.	none	bank	70,308	94,249	74.6	52,458	1,606,849
32	NBank Corp. Commerce, Ga.	none	bank	16,512	22,367	73.82	18,639	109,645
33	Countrywide Financial Corp. Calabasas, Calif.	none	bank	9,257,050	12,590,222	73.53	7,985,658	199,946,230
34	MetLife Inc. New York	none	bank	33,733,965	47,303,090	71.31	32,038,334	527,714,953
35	Woodforest Financial Group Inc. The Woodlands, Tex.	none	bank	159,112	231,457	68.74	199,776	2,246,615
36	United National Corp. Sioux Falls, S.D.	none	bank	548,725	811,713	67.6	502,075	1,445,000
37	Charles Schwab Corp. San Francisco	none	bank	2,869,961	4,305,888	66.65	3,209,398	48,992,466
38	JPMorgan Chase & Co. New York	none	bank	41,093,000	61,945,000	66.34	36,318,000	1,351,520,000
39	Synovus Financial Corp. Columbus, Ga.	none	bank	2,135,703	3,267,460	65.36	1,918,016	31,885,290
40	Burlington Bank and Trust Burlington, Iowa	Great River Financial Group Inc.	bank	12,614	19,354	65.18	9,993	235,739
41	First Investors Federal Savings Bank Edison, N.J.	First Investors Consolidated Corp.	thrift	5,053	7,839	64.46	6,286	53,864
42	Tolleson Wealth Management Inc. Dallas	none	bank	8,827	13,796	63.98	6,915	208,622
43	Barclays Group US Inc. Wilmington, Del.	Barclays PLC	bank	1,374,851	2,250,220	61.1	341,853	261,217,027
44	American Investors Bank and Mortgage Edina, Minn.	Bank Financial Services Inc.	thrift	2,427	3,975	61.06	2,290	45,751
45	Rurban Financial Corp. Defiance, Ohio	none	bank	23,360	38,789	60.22	17,446	556,007
	Access National Corp. Reston, Va.	none	bank	27,633	45,889	60.22	31,466	644,782
47	First Horizon National Corp. Memphis	none	bank	1,228,625	2,156,616	56.97	1,393,810	37,920,049
48	Capital One Financial Corp. McLean, Va.	none	bank	6,860,202	12,047,047	56.95	6,242,477	149,739,285
49	Marshall Bankfirst Corp. Minneapolis	none	bank	31,256	55,721	56.09	18,898	717,485
50	Marshall & Ilsley Corp. Milwaukee	none	bank	1,905,318	3,400,579	56.03	1,699,080	56,268,824
51	BNCCORP Inc. Bismarck, N.D.	none	bank	23,832	42,550	56.01	24,950	692,276
52	Oriental Financial Group Inc. San Juan, Puerto Rico	none	bank	33,352	60,691	54.95	24,986	4,376,533
53	Ameri-National Corp. Overland Park, Kan.	none	bank	19,542	35,615	54.87	81,795	928,502
54	USAA Federal Savings Bank San Antonio	United Services Automobile Association	thrift	842,950	1,541,944	54.67	691,098	26,048,419
55	Essex Savings Bank Essex, Conn.	none	bank	10,145	18,574	54.62	8,750	250,916
56	First National Bankers Bankshares Inc. Baton Rouge, La.	none	bank	12,317	22,651	54.38	12,379	574,743
57	UMB Financial Corp. Kansas City, Mo.	none	bank	255,534	473,920	53.92	254,899	8,915,614
58	Citigroup Inc. New York	none	bank	48,362,000	89,896,000	53.8	42,377,000	1,884,318,000
59	Bank of America Corp. Charlotte	none	bank	38,901,427	72,690,827	53.52	26,626,409	1,463,685,485
60	Pierce County Bancorp Tacoma	none	bank	11,383	21,873	52.04	10,147	224,431
61	Farmers and Merchants Investment Inc. Lincoln, Neb.	none	bank	55,483	108,397	51.18	69,660	1,589,704
62	Cass Information Systems Inc. Bridgeton, Mo.	none	bank	42,473	83,255	51.02	46,326	858,470
63	Alerus Financial Corp. Grand Forks, N.D.	none	bank	26,051	51,305	50.78	24,032	716,520
64	U.S. Bancorp Minneapolis	none	bank	6,843,000	13,598,000	50.32	6,161,000	219,232,000
65	Plains Capital Corp. Dallas	Maedgen and White Ltd.	bank	105,195	210,904	49.88	128,106	2,880,697
66	Lehman Brothers Bank FSB Wilmington, Del.	Lehman Brothers Holdings Inc.	thrift	619,103	1,244,311	49.75	708,326	19,105,280
67	Boston Private Financial Holdings Inc.	none	bank	170,472	344,854	49.43	133,186	5,766,642
68	EverBank Jacksonville, Fla.	EverBank Financial Corp.	thrift	109,630	225,997	48.51	95,995	4,173,064
69	Wilmington Trust Corp.Del.	none	bank	343,700	709,298	48.46	309,326	11,321,243
70	Fifth Third Bancorp Cincinnati	none	bank	2,441,903	5,042,192	48.43	2,363,434	100,669,263
71	Wachovia Corp. Charlotte	none	bank	14,414,000	29,771,000	48.42	12,121,000	707,121,000
72	Edward Jones Trust Co. St. Louis	Jones Financial Cos., LLLP	thrift	12,112	25,023	48.4	10,451	36,339
73	Merrill Lynch Bank and Trust Co. FSB New York	Merrill Lynch and Co. Inc.	thrift	130,942	272,025	48.14	120,792	14,291,650
74	Priority Bank Ozark, Ark.	Priority One Holding Co.	thrift	1,475	3,073	48	1,782	47,104
75	First Federal Savings Bank of Boston Boston	First Eastern Bankshares Corp.	thrift	3,761	7,875	47.76	5,944	51,461
76	Amalgamated Investments Co. Chicago	none	bank	21,172	44,475	47.6	19,809	762,104
77	National City Corp. Cleveland	none	bank	4,030,944	8,622,568	46.75	3,297,100	140,203,110
78	TCF Financial Corp. Wayzata, Minn.	none	bank	480,510	1,032,068	46.56	462,685	14,769,004
79	Greater Bay Bancorp East Palo Alto, Calif.	none	bank	222,522	482,939	46.08	211,589	7,377,006
80	Southwest Georgia Financial Corp. Moultrie	none	bank	7,676	16,762	45.79	7,865	288,516
81	Synergy Bank, SSB Waco, Tex.	Premier Bancshares Inc.	bank	2,575	5,658	45.51	18,559	87,668
82	Extraco Corp. Waco, Tex.	none	bank	24,923	54,773	45.5	22,714	994,424
83	SouthBank, A Federal Savings Bank Huntsville, Ala.	Commonwealth Savingshares Corp.	thrift	18,939	41,952	45.14	22,527	342,551
84	MountainOne Financial Partners MHC North Adams, Mass.	none	bank	9,154	20,304	45.08	8,761	650,113
85	Dickinson Financial Corp. II Kansas City, Mo.	none	bank	148,341	330,024	44.95	130,054	4,711,987
86	Washington Mutual Bank Henderson, Nev.	Washington Mutual Inc.	thrift	7,840,698	17,455,014	44.92	5,291,916	345,294,612
87	CCB Financial Corp. Kansas City, Mo.	none	bank	19,451	43,666	44.54	19,315	614,153
88	First American Trust FSB Santa Ana, Calif.	First American Corp.	thrift	18,031	41,253	43.71	20,687	909,080
89	SunTrust Banks Inc. Atlanta	none	bank	3,518,357	8,128,345	43.29	3,159,052	182,161,609
90	Guaranty Bank (MHC) Milwaukee	Guaranty Financial MHC	thrift	84,573	196,286	43.09	73,847	1,914,631
91	KeyCorp Cleveland	none	bank	2,127,876	4,940,578	43.07	2,076,856	92,061,129
92	Wells Fargo & Co. San Francisco	none	bank	15,342,000	35,691,000	42.99	14,486,000	481,996,000
93	BOK Financial Corp. Tulsa	none	bank	365,410	851,148	42.93	346,232	18,102,747
94	Meta Financial Group Inc. Storm Lake, Iowa	none	bank	15,299	35,742	42.8	5,098	754,511
95	Harris Financial Corp. Wilmington, Del.	BMO Financial Group	bank	751,510	1,758,232	42.74	664,215	60,025,390
96	Newton County Loan and Savings FSB Goodland, Ind.	none	thrift	283	663	42.68	151	8,039
97	Community Financial Services Inc. Atlanta	none	bank	44,582	104,675	42.59	40,940	2,084,484
98	Capitol Bancorp. Inc. Britton, S.D.	none	bank	44,435	104,690	42.44	34,618	560,062
99	Marquette Financial Cos. Minneapolis	none	bank	109,228	257,781	42.37	99,594	2,575,852
100	Commerce Bancshares Inc. Kansas City, Mo.	none	bank	373,280	884,107	42.22	343,517	15,240,507
101	Southwest Securities FSB Arlington, Tex.	SWS Group Inc.	thrift	31,160	74,373	41.9	7,413	948,699
102	1st Source Corp. South Bend, Ind.	none	bank	76,771	183,369	41.87	71,173	3,807,143
103	Arvest Bank Group Inc. Bentonville, Ark.	none	bank	239,019	573,948	41.64	214,667	8,816,861
104	BB&T Clorp. Winston-Salem, N.C.	none	bank	2,593,997	6,229,385	41.64	2,325,509	121,351,065
105	Old National Bancorp Evansville, Ind.	none	bank	152,320	366,508	41.56	158,997	8,150,323
106	Bankers Bancorp Inc. Springfield, Ill.	none	bank	8,592	20,709	41.49	7,234	497,814
107	First Savings Bank Beresford, S.D.	Beresford Bancorp. Inc.	thrift	21,421	52,579	40.74	10,177	454,833
108	Forethought Federal Savings Bank Batesville, Ind.	Hillenbrand Industries Inc.	thrift	2,002	4,934	40.58	1,848	120,008
109	C&F Financial Corp. West Point, Va.	none	bank	27,283	67,512	40.41	27,479	730,317
110	Washington Trust Bancorp Inc. Westerly, R.I.	none	bank	41,727	103,644	40.26	30,579	2,399,589
111	Progressive Ozark Bank FSB Salem, Mo.	Ozark Bancorp Inc.	thrift	2,270	5,639	40.26	2,112	103,247
112	Summit Financial Group Inc. Moorefield, W.Va.	none	bank	24,041	59,974	40.09	30,262	1,235,311
113	Johnson Financial Group Inc. Racine, Wis.	none	bank	86,809	217,294	39.95	74,662	4,269,914
114	Henderson Citizens Bancshares Inc. Henderson, Tex.	none	bank	11,362	28,534	39.82	10,644	704,643
115	Huntington Bancshares Inc. Columbus, Ohio	none	bank	628,601	1,578,895	39.81	637,607	35,330,726
116	Liberty Shares Inc. Hinesville, Ga.	none	bank	16,272	41,128	39.56	13,717	544,257
117	SouthFirst Bank Sylacauga, Ala.	SouthFirst Bancshares Inc.	thrift	3,046	7,717	39.47	2,707	140,602
118	Compass Bancshares Inc. Birmingham, Ala.	none	bank	713,405	1,815,005	39.31	656,079	34,248,921
119	Progressive Savings Bank FSB Jamestown, Tenn.	none	thrift	4,056	10,372	39.11	4,024	221,607
120	First Security Bancorp Searcy, Ark.	none	bank	46,976	120,178	39.09	44,314	2,179,038
121	Alliance Financial Corp. Syracuse, N.Y.	none	bank	17,718	45,538	38.91	14,175	1,267,345
122	Leesport Financial Corp. Wyomissing, Pa.	none	bank	20,716	53,327	38.85	23,443	1,041,632
123	Midwest Heritage Bank FSB Chariton, Iowa	Hy-Vee Inc.	thrift	3,135	8,176	38.34	3,265	124,791
124	First Financial Bancorp. Hamilton, Ohio	none	bank	76,329	200,926	37.99	59,781	3,301,599
125	Texas Independent Bancshares Inc. Texas City	none	bank	13,241	34,983	37.85	11,218	604,536
126	Commerce Bancshares Corp. Worcester, Mass.	none	bank	16,309	43,101	37.84	24,801	1,013,865
127	First Charter Corp. Charlotte	none	bank	77,748	205,628	37.81	65,144	4,859,415
128	BankAtlantic Fort Lauderdale, Fla.	BankAtlantic Bancorp Inc.	thrift	132,389	351,250	37.69	102,448	6,187,866
129	Bridgeview Bancorp Inc. Chicago	none	bank	32,685	86,904	37.61	6,597	1,345,189
130	South Plains Financial Inc. Lubbock, Tex.	none	bank	30,808	81,943	37.6	27,770	1,346,893
131	Encore Bank Houston	Encore Bancshares Inc.	thrift	25,011	66,647	37.53	17,466	1,334,634
132	Teche Federal Bank Franklin, La.	Teche Holding Co.	thrift	13,532	36,232	37.35	11,577	693,307
133	Provident Bankshares Corp. Baltimore	none	bank	119,236	319,381	37.33	110,747	6,297,151
134	First Citizens BancShares Inc. Raleigh	none	bank	279,963	750,819	37.29	263,341	15,725,343
135	International Bancshares Corp. Laredo, Tex.	none	bank	174,196	467,724	37.24	163,294	10,917,275
136	Farm Bureau Bank FSB Sparks, Nev.	FB BanCorp	thrift	8,667	23,318	37.17	8,222	475,666
137	Regions Financial Corp. Birmingham, Ala.	none	bank	1,978,878	5,346,998	37.01	1,777,640	143,370,472
138	River Valley Bancorp Inc. Davenport, Iowa	none	bank	13,481	36,566	36.87	11,703	757,751
139	Ohio Central Savings Dublin	OC Financial Inc.	thrift	653	1,778	36.73	843	64,667
140	Chemung Financial Corp. Elmira, N.Y.	none	bank	14,250	38,810	36.72	12,957	738,297
	HSBC North America Holdings Inc. Prospect Heights, Ill.	HSBC Holdings PLC	bank	8,477,119	23,087,782	36.72	6,950,352	478,159,427
142	Safra National Bank of New York	SNBNY Holdings Limited	bank	45,336	123,610	36.68	53,330	4,212,481
143	Peoples Bancorp Inc. Marietta, Ohio	none	bank	30,860	84,342	36.59	28,628	1,875,255
144	Carbon County Holding Co. Rawlins, Wyo.	none	bank	3,846	10,564	36.41	3,424	147,643
145	Nextier Inc. Butler, Pa.	none	bank	10,037	27,576	36.4	33,965	490,185
146	First Federal Bank, Tuscaloosa, Ala.	Southeastern Financial Inc.	thrift	3,769	10,369	36.35	3,394	144,897
147	First Indiana Corp. Indianapolis	none	bank	41,683	114,827	36.3	33,637	2,162,253
148	Ulster Savings Bank Kingston, N.Y.	none	bank	13,094	36,159	36.21	13,264	621,324
149	First Mariner Bancorp Baltimore	none	bank	26,191	72,419	36.17	22,659	1,264,627
150	Tompkins Trustco Inc. Ithaca, N.Y.	none	bank	41,076	113,948	36.05	32,309	2,210,837

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 institutions) consolidated at the top tier level.
Source:

SNL Financial