Banking Companies with Highest Multiples of Net Income to Salary, Benefits

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Banking Companies with Highest Multiples of Net Income to Salary, Benefits

Banking Companies with Highest Multiples of Net Income to Salary, BenefitsOn Sept. 30, 2008. Dollars in thousands
Published February 20, 2009

Rank   Multiple Net income Salary and benefits Return on average assets
1 Briscoe Ranch Inc. Uvalde, Tex. 3.16 $6,121 $1,934 4.16%
2 Amboy Bancorp. Old Bridge, N.J. 2.21 8,900 4,027 1.33
3 Lakeside Bancorp Inc. Chicago 2.10 4,713 2,239 1.98
4 Inwood Bancshares Inc. Dallas 1.94 6,769 3,487 1.94
5 Diamond Bancorp Inc. Washington, Mo. 1.82 3,425 1,879 2.13
6 Intervest Bancshares Corp. New York 1.80 2,626 1,455 0.48
7 First Mutual Bancorp of Illinois Inc. Harvey 1.76 4,538 2,582 1.08
8 Capitol Bancorp. Inc. Britton, S.D. 1.75 3,665 2,094 2.43
9 Ida Grove Bancshares Inc. Iowa 1.67 4,857 2,903 1.90
10 Waupaca Bancorp. Inc. Wis. 1.65 3,194 1,933 1.92
United Community Bancorp Inc. Chatham, Ill. 1.65 3,472 2,105 1.89
12 United National Corp. Sioux Falls, S.D. 1.60 59,328 37,120 16.30
13 Manhattan Banking Corp. Kan. 1.57 2,488 1,580 1.51
14 Rockhold Bancorp Kirksville, Mo. 1.46 1,185 809 1.06
Amarillo National Bancorp Inc. Tex. 1.46 14,449 9,884 2.24
16 West Financial Inc. El Paso 1.41 3,919 2,770 2.17
17 City National Bancshares Inc. Miami 1.40 13,935 9,989 2.00
18 SBC Inc. Countryside, Ill. 1.39 3,619 2,604 1.51
19 FirstPerryton Bancorp Inc. Tex. 1.37 3,618 2,648 2.19
20 Whitcorp Financial Co. Leoti, Kan. 1.36 2,991 2,201 2.10
New York Community Bancorp Inc. Westbury 1.36 58,064 42,768 0.74
22 Bank of Highland Park Financial Corp. Ill. 1.35 2,549 1,885 0.85
23 Ambank Co. Inc. Sioux Center, Iowa 1.34 2,460 1,834 1.43
S&T Bancorp Inc. Indiana, Pa. 1.34 15,686 11,724 1.44
First National Community Bancorp Inc. Dunmore, Pa. 1.34 4,327 3,236 1.31
26 Bankmanagers Corp. Milwaukee 1.32 3,865 2,921 2.01
27 National Bankshares Inc. Blacksburg, Va. 1.29 3,615 2,792 1.62
First Bancorp Inc. Damariscotta, Maine 1.29 3,832 2,964 1.21
29 Blackhawk Bancorp. Inc. Milan, Ill. 1.28 2,867 2,242 1.31
30 Magnolia Banking Corp. Magnolia, Ark. 1.27 2,469 1,950 1.59
31 Sierra Bancorp Porterville, Calif. 1.24 5,773 4,646 1.78
32 First Keystone Corp. Berwick, Pa. 1.23 2,227 1,815 1.27
33 Olney Bancshares of Texas Inc. 1.22 5,935 4,873 1.48
34 Falcon Bancshares Inc. Laredo, Tex. 1.21 4,260 3,518 1.92
35 Bank of the Ozarks Inc. Little Rock 1.17 9,011 7,728 1.19
36 CBX Corp. Carrollton, Ill. 1.16 2,331 2,014 1.33
First Artesia Bancshares Inc. N.M. 1.16 3,080 2,663 2.19
38 Sunflower Financial Inc. Salina, Kan. 1.15 8,583 7,453 2.18
Plains Bancorp Inc. Dimmitt, Tex. 1.15 3,026 2,638 1.53
40 Farmers and Merchants Bancorp Lodi, Calif. 1.14 6,057 5,304 1.51
41 First New Mexico Financial Corp. Deming 1.13 1,253 1,113 1.59
42 Porter Bancorp Inc. Louisville 1.12 4,100 3,666 1.04
43 Cashmere Valley Financial Corp. Wash. 1.11 3,292 2,962 1.39
44 WNB Bancshares Inc. Odessa, Tex. 1.10 4,086 3,725 1.89
Franklin Resources Inc. San Mateo, Calif. 1.10 300,490 274,091 12.94
Stockman Financial Corp. Miles City, Mont. 1.10 6,362 5,806 1.68
CVB Financial Corp. Ontario, Calif. 1.10 17,459 15,943 1.08
48 Traditional Bancorp. Inc. Mount Sterling, Ky. 1.09 2,715 2,480 1.25
Banterra Corp. Eldorado, Ill. 1.09 4,331 3,965 1.67
Citco Community Bancshares Inc. Elizabethton, Tenn. 1.09 2,442 2,243 1.59
51 Albank Corp. Chicago 1.08 1,658 1,530 1.26
52 American Bancorp. Inc. Sapulpa, Okla. 1.07 2,871 2,683 1.87
First Financial Bankshares Inc. Abilene, Tex. 1.07 13,361 12,526 1.75
54 Southeast Bancshares Inc. Chanute, Kan. 1.06 970 917 1.49
Clayton Bancorp Inc. Knoxville, Tenn. 1.06 2,066 1,956 1.14
56 Palm Bancorp Palmerton, Pa. 1.05 1,749 1,662 1.24
First Paragould Bankshares Inc. Ark. 1.05 1,827 1,743 1.23
58 United Bankshares Inc. Charleston, W.Va. 1.04 19,592 18,766 0.97
Southern Utah Bancorp. Cedar City 1.04 2,319 2,226 1.52
Neighbor Insurance Agency Inc. Marion, Iowa 1.04 2,202 2,118 1.65
Intrust Financial Corp. Wichita 1.04 17,585 16,931 2.05
New Mexico Banquest Corp. Santa Fe 1.04 2,913 2,806 1.99
63 International Bancshares Corp. Laredo, Tex. 1.03 33,880 32,852 1.23
Midland Financial Corp. Casper, Wyo. 1.03 2,132 2,076 1.87
Wilshire Bancorp Inc. Los Angeles 1.03 6,867 6,691 1.15
66 Hometown Community Bancorp Inc. Morton, Ill. 1.02 3,951 3,865 0.99
67 Cameron Bancshares Inc. Lake Charles, La. 1.01 2,469 2,436 1.62
Auburn National Bancorp. Inc. Ala. 1.01 1,972 1,953 1.09
69 Smithtown Bancorp Inc. Hauppauge, N.Y. 1.00 4,607 4,585 1.15
Security National Corp. Omaha 1.00 2,753 2,755 1.89
71 River Valley Bancorp. Inc. Wausau, Wis. 0.99 4,019 4,045 1.75
72 Bank of Hawaii Corp. Honolulu 0.97 47,409 48,669 1.83
Tennessee Commerce Bancorp Inc. Franklin 0.97 1,886 1,946 0.68
Harleysville Savings Financial Corp. Pa. 0.97 1,509 1,562 0.73
75 Bank Iowa Corp. West Des Moines 0.96 3,376 3,502 1.35
76 Jeff Davis Bancshares Inc. Jennings, La. 0.95 1,924 2,019 1.65
One American Corp. Vacherie, La. 0.95 2,779 2,917 1.62
First Financial Banc Corp. El Dorado, Ark. 0.95 3,118 3,290 2.09
79 Foster Bankshares Inc. Chicago 0.94 1,963 2,078 1.42
Parkway Bancorp Inc. Harwood Heights, Ill. 0.94 3,505 3,743 0.56
81 Valley View Bancshares Inc. Overland Park, Kan. 0.93 8,605 9,249 1.13
82 American River Bankshares Rancho Cordova, Calif. 0.92 1,931 2,097 1.33
Nodaway Valley Bancshares Inc. Maryville, Mo. 0.92 2,116 2,303 1.34
Hills Bancorp. Iowa 0.92 4,691 5,112 1.09
85 Crews Banking Corp. Wauchula, Fla. 0.91 3,935 4,313 1.30
Tennessee State Bancshares Inc. Pigeon Forge 0.91 2,430 2,671 1.44
NEB Corp. Fond Du Lac, Wis. 0.91 4,310 4,747 1.30
88 Penseco Financial Services Corp. Scranton, Pa. 0.90 2,242 2,481 1.41
Cummins-American Corp. Glenview, Ill. 0.90 3,323 3,690 1.41
Bar Harbor Bankshares Maine 0.90 2,333 2,592 1.00
RCB Holding Co. Inc. Claremore, Okla. 0.90 5,107 5,694 1.71
First Midwest Bancorp Inc. Itasca, Ill. 0.90 24,191 26,996 1.16
NBT Bancorp Inc. Norwich, N.Y. 0.90 15,083 16,851 1.14
94 First Bancshares Inc. Merrillville, Ind. 0.89 7,052 7,904 1.55
Citizens National Banc Corp. Meridian, Miss. 0.89 4,041 4,535 1.43
Myers Bancshares Inc. Alva, Okla. 0.89 898 1,009 1.46
Broadway Bancshares Inc. San Antonio 0.89 8,731 9,822 1.96
98 FSB Mutual Holdings Inc. Perkasie, Pa. 0.88 1,998 2,261 0.75
Prosperity Bancshares Inc. Houston 0.88 15,448 17,526 0.91
100 Guaranty Bancshares Inc. Mount Pleasant, Tex. 0.87 2,470 2,829 1.51
Gulfstream Bancshares Inc. Stuart, Fla. 0.87 1,255 1,438 0.88
CNB Bancshares Inc. Sevierville, Tenn. 0.87 2,276 2,608 1.22
Suffolk Bancorp Riverhead, N.Y. 0.87 5,672 6,521 1.41
First National Security Co. Hot Springs, Ark. 0.87 2,274 2,624 1.15
105 Durant Bancorp Inc. Okla. 0.86 6,969 8,108 1.45
Hillcrest Bancshares Inc. Overland Park, Kan. 0.86 2,992 3,488 0.64
107 American State Financial Corp. Lubbock 0.85 7,357 8,613 1.37
Franklin Financial Services Corp. Chambersburg, Pa. 0.85 2,612 3,065 1.21
Arrow Financial Corp. Glens Falls, N.Y. 0.85 5,008 5,883 1.21
First Farmers Financial Corp. Converse, Ind. 0.85 2,069 2,439 1.33
Starion Bancorp. Bismarck, N.D. 0.85 2,024 2,387 1.36
112 FirstBank Holding Co. Lakewood, Colo. 0.84 27,848 32,981 1.21
American Chartered Bancorp Inc. Schaumburg, Ill. 0.84 5,825 6,928 0.75
Hudson Valley Holding Corp. Yonkers, N.Y. 0.84 9,049 10,778 1.51
115 S.Y. Bancorp Inc. Louisville 0.83 5,443 6,524 1.32
American National Corp. Omaha 0.83 5,107 6,143 1.21
117 Coppermark Bancshares Inc. Oklahoma City 0.82 3,393 4,116 1.31
Lakeland Financial Corp. Warsaw, Ind. 0.82 5,225 6,344 0.95
United Bank Corp. Barnesville, Ga. 0.82 3,094 3,764 1.91
American Bank Holding Corp. Corpus Christi 0.82 3,912 4,772 1.75
Hometown Banc Corp Grand Island, Neb. 0.82 1,687 2,067 1.06
122 Highlands Bankshares Inc. Petersburg, W.Va. 0.81 1,301 1,599 1.40
Industry Bancshares Inc. Industry, Tex. 0.81 2,259 2,779 1.13
Central Bancorp. Provo, Utah 0.81 2,694 3,315 1.70
Bank of Kentucky Financial Corp. Crestview Hills 0.81 3,419 4,224 1.14
Planters Holding Co. Indianola, Miss. 0.81 1,576 1,948 1.19
127 First Bancorp Inc. Lebanon, Va. 0.80 3,038 3,817 1.27
Delta Bancshares Co. St. Louis 0.80 1,297 1,630 0.62
129 Provident Financial Services Inc. Jersey City 0.79 13,163 16,591 0.82
First of Long Island Corp. Glen Head, N.Y. 0.79 3,568 4,503 1.19
F.N.B. Corp. Hermitage, Pa. 0.79 23,505 29,707 1.13
Center Bancorp Inc. Union, N.J. 0.79 1,518 1,919 0.60
Centrue Financial Corp. St. Louis 0.79 2,799 3,554 0.84
134 Ironhorse Financial Group Inc. Muskogee, Okla. 0.78 4,005 5,111 1.98
QNB Corp. Quakertown, Pa. 0.78 1,566 2,019 0.97
West Suburban Bancorp Inc. Lombard, Ill. 0.78 4,470 5,765 0.95
137 Orrstown Financial Services Inc. Shippensburg, Pa. 0.77 3,163 4,095 1.32
Carbon County Holding Co. Rawlins, Wyo. 0.77 775 1,004 1.90
Security National Corp. Dakota Dunes, S.D. 0.77 3,185 4,150 1.31
American Community Financial Inc. Woodstock, Ill. 0.77 916 1,194 0.61
American Community Bancorp Inc. Evansville, Ind. 0.77 643 840 0.88
142 Midland Bancshares Inc. Tex. 0.76 1,548 2,036 1.08
Merrimack Bancorp Concord, N.H. 0.76 1,672 2,210 1.24
Goodenow Bancorp. Okoboji, Iowa 0.76 1,904 2,521 1.54
145 Home BancShares Inc. Conway, Ark. 0.75 6,564 8,739 1.01
First Security Bankshares Inc. Lavonia, Ga. 0.75 1,008 1,348 1.25
Merchants and Southern Banks of Florida Inc. Gainesville 0.75 1,106 1,484 1.22
148 Pinnacle Financial Corp. Elberton, Ga. 0.74 1,985 2,665 1.43
Peotone Bancorp Inc. Ill. 0.74 1,017 1,367 0.82
Big Sandy Holding Co. Longmont, Colo. 0.74 2,194 2,950 0.67


Note: Only domestic holding companies that file Y-9C reports are included. Based on filings by top tier bank holding companies with the Federal Reserve.
Source:

SNL Financial
, Charlottesville, Va.
© 2009 American Banker