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

November 23, 2010, 4:07 p.m. EST 1 Min Read

View Table

Printer Friendly Version

Banking Companies with Highest Multiples of Net Income to Salary, BenefitsOn June 30, 2010. Dollars in thousands Published November 23, 2010
Rank		Multiple	Net income	Salary and benefits	Return on average assets
1	SBT Bancshares Inc. Dallas	9.70	$6,228	$642	4.01%
2	Briscoe Ranch Inc. Uvalde, Texas	7.30	14,689	2,013	8.06
3	NRBC Holding Corp. Chicago	6.58	8,120	1,234	2.57
4	Educational Services of America Inc. Knoxville, Tenn.	4.68	7,640	1,632	2.16
5	Bond Street Holdings Inc. Miami	2.35	8,059	3,427	2.35
6	Magyar Bancorp MHC New Brunswick, N.J.	2.18	3,534	1,618	2.59
7	United National Corp. Sioux Falls, S.D.	2.17	80,435	37,067	18.14
8	Capitol Bancorp. Inc. Britton, S.D.	2.05	3,922	1,910	2.45
	JJR Holding Co. Inc. Brick, N.J.	2.05	3,419	1,666	2.56
10	New York Community Bancorp Inc. Westbury	2.01	136,259	67,796	1.28
11	Waupaca Bancorp. Inc. Wis.	1.96	3,248	1,657	1.82
12	BNC Bancorp High Point, N.C.	1.87	11,731	6,280	2.16
13	Citizens Bankshares Inc. Farmington, N.M.	1.73	3,083	1,777	2.13
14	Charter Bankshares Inc. Eau Claire, Wis.	1.66	2,428	1,459	1.31
	Inwood Bancshares Inc. Dallas	1.66	5,443	3,278	1.66
16	Oriental Financial Group Inc. San Juan, Puerto Rico	1.64	17,349	10,579	0.87
17	Hyde Park Bancorp MHC Mass.	1.63	2,019	1,240	0.91
18	Olney Bancshares of Texas Inc.	1.61	7,164	4,457	1.77
	Bank of Southside Virginia Corp. Carson	1.61	2,621	1,632	1.93
20	Herky Hawk Financial Corp. Monticello, Iowa	1.56	2,451	1,570	1.82
	Parke Bancorp Inc. Sewell, N.J.	1.56	2,005	1,285	1.18
22	Center Financial Corp. Los Angeles	1.54	7,502	4,872	1.33
23	Westamerica Bancorp. San Rafael, Calif.	1.52	23,561	15,476	1.99
24	National Bankshares Inc. Blacksburg, Va.	1.51	3,996	2,654	1.62
25	Industry Bancshares Inc. Industry, Texas	1.49	4,919	3,298	1.63
	Ida Grove Bancshares Inc. Iowa	1.49	4,768	3,199	1.73
27	Sabine Bancshares Inc. Many, La.	1.47	5,434	3,691	3.21
	Ally Financial Inc. Detroit	1.47	565,000	385,000	1.27
29	MetLife Inc. New York	1.42	1,456,753	1,029,000	1.03
	Prosperity Bancshares Inc. Houston	1.42	31,747	22,431	1.34
31	Lakeside Bancorp Inc. Chicago	1.40	2,932	2,094	1.08
32	Manhattan Banking Corp. Kan.	1.38	2,599	1,888	1.53
	Amarillo National Bancorp Inc. Texas	1.38	14,654	10,654	2.14
34	American National Corp. Omaha	1.37	8,723	6,374	2.08
35	First Illinois Bancorp Inc. East St. Louis	1.34	2,125	1,586	1.46
36	United Community Bancorp Inc. Chatham, Ill.	1.33	4,554	3,435	1.61
37	Ambank Co. Inc. Sioux Center, Iowa	1.31	3,215	2,445	1.78
38	Rockhold Bancorp Kirksville, Mo.	1.29	1,008	781	0.82
	Franklin Resources Inc. San Mateo, Calif.	1.29	360,496	280,333	14.58
40	Community and Southern Holdings Inc. Carrollton, Ga.	1.28	8,496	6,629	1.79
	ServisFirst Bancshares Inc. Birmingham, Ala.	1.28	4,021	3,147	1.01
	Discover Financial Services Riverwoods, Ill.	1.28	256,470	200,951	1.63
43	Stockman Financial Corp. Miles City, Mont.	1.26	8,015	6,344	1.73
44	Fidelity Holding Co. Minnetonka, Minn.	1.25	1,421	1,135	1.76
45	First NBC Bank Holding Co. New Orleans	1.23	2,304	1,872	0.78
46	Hills Bancorp. Iowa	1.22	6,721	5,522	1.44
47	Citizens Financial Services Inc. Mansfield, Pa.	1.21	2,927	2,415	1.54
	Bank of the Ozarks Inc. Little Rock	1.21	10,891	8,996	1.47
	CentraBanc Corp. Waco, Texas	1.21	2,040	1,688	1.44
50	AFNB Holdings Inc. Houston	1.20	2,701	2,248	1.49
51	First Paragould Bankshares Inc. Ark.	1.19	2,175	1,828	1.35
52	Weststar Bank Holding Co. Inc. El Paso, Texas	1.18	4,211	3,560	1.99
53	Citizens and Northern Corp. Wellsboro, Pa.	1.16	4,869	4,182	1.45
	Norwood Financial Corp. Honesdale, Pa.	1.16	1,818	1,572	1.37
	Citizens Bancshares Inc. Bluffton, Ohio	1.16	2,172	1,879	1.56
	Ames National Corp. Iowa	1.16	3,126	2,706	1.36
57	First Guaranty Bancshares Inc. Hammond, La.	1.15	3,381	2,937	1.38
	First Citizens Financial Corp. Mason City, Iowa	1.15	3,851	3,358	1.45
59	Clayton Bancorp Inc. Knoxville, Tenn.	1.14	2,520	2,210	1.13
60	First Bancorp Inc. Damariscotta, Maine	1.13	3,160	2,801	0.94
61	First Financial Banc Corp. El Dorado, Ark.	1.12	3,889	3,461	2.4
62	First Artesia Bancshares Inc. N.M.	1.11	3,876	3,480	2.13
	Nodaway Valley Bancshares Inc. Maryville, Mo.	1.11	2,709	2,436	1.55
64	First Financial Bankshares Inc. Abilene, Texas	1.10	14,198	12,909	1.73
	City Holding Co. Charleston, W.Va.	1.10	10,715	9,746	1.6
66	Heartland Bancorp Inc. Bloomington, Ill.	1.09	6,631	6,065	1.61
	CVB Financial Corp. Ontario, Calif.	1.09	19,015	17,479	1.11
68	FirstBank Holding Co. Lakewood, Colo.	1.07	38,346	35,854	1.5
69	Palm Bancorp Palmerton, Pa.	1.06	1,866	1,760	1.14
	Penns Woods Bancorp Inc. Williamsport, Pa.	1.06	2,772	2,615	1.57
	County Bancorp Inc. Manitowoc, Wis.	1.06	1,734	1,637	1.08
72	Putnam Bancshares Inc. Hurricane, W.Va.	1.05	1,123	1,068	0.83
	International Bancshares Corp. Laredo, Texas	1.05	34,008	32,499	1.25
74	Midland Financial Corp. Casper, Wyo.	1.04	2,322	2,225	1.95
	First Keystone Corp. Berwick, Pa.	1.04	2,312	2,229	1.12
76	American Bancorp. Inc. Sapulpa, Okla.	1.02	2,815	2,747	1.64
	Hometown Banc Corp. Grand Island, Neb.	1.02	2,704	2,642	1.49
	Pinnacle Bancorp Inc. Central City, Neb.	1.02	20,741	20,375	1.47
	Coastal Affiliates MHC Hyannis, Mass.	1.02	1,721	1,693	1.18
80	First Breckinridge Bancshares Inc. Irvington, Ky.	1.00	2,226	2,230	1.4
81	First Security Bancorp Searcy, Ark.	0.99	17,823	17,928	2.14
	Home BancShares Inc. Conway, Ark.	0.99	8,957	9,080	1.17
83	Plains Bancorp Inc. Dimmitt, Texas	0.98	3,213	3,273	1.41
	Penseco Financial Services Corp. Scranton, Pa.	0.98	3,016	3,092	1.37
	Planters Holding Co. Indianola, Miss.	0.98	1,900	1,948	1.28
86	Carbon County Holding Co. Rawlins, Wyo.	0.97	930	955	2.24
	Bank of Hawaii Corp. Honolulu	0.97	46,564	48,006	1.48
88	Capital One Financial Corp. McLean, Va.	0.96	607,650	631,270	1.22
	Blackhawk Bancorp. Inc. Milan, Ill.	0.96	2,307	2,414	1.09
90	American Central Bancorp. Inc. Springfield, Ill.	0.95	2,274	2,395	1.63
	NEB Corp. Fond Du Lac, Wis.	0.95	4,000	4,226	1.07
92	West Bancorp. Inc. West Des Moines	0.94	2,603	2,775	0.63
	American State Financial Corp. Lubbock	0.94	9,104	9,731	1.46
	Guaranty Bancshares Inc. Mount Pleasant, Texas	0.94	3,087	3,301	1.37
95	United Bankshares Inc. Charleston, W.Va.	0.93	17,919	19,180	0.95
	First of Long Island Corp. Glen Head, N.Y.	0.93	5,018	5,389	1.26
	Virginia Commerce Bancorp Inc. Arlington	0.93	5,571	5,992	0.79
	Bar Harbor Bankshares Maine	0.93	2,712	2,919	1.01
99	Farmers and Merchants Bankshares Inc. Stuttgart, Ark.	0.92	1,840	1,993	1.33
	Orange County Bancorp Inc. Middletown, N.Y.	0.92	1,763	1,911	1.27
	Merchants Bancshares Inc. South Burlington, Vt.	0.92	4,585	5,001	1.29
102	Independence Bancshares Inc. Owensboro, Ky.	0.91	3,147	3,465	1.31
	QNB Corp. Quakertown, Pa.	0.91	1,963	2,167	1.02
104	LCNB Corp. Lebanon, Ohio	0.90	2,752	3,047	1.46
	Pedcor Capital LLC Carmel, Ind.	0.90	1,333	1,483	1.29
	Falcon Bancshares Inc. Laredo, Texas	0.90	2,920	3,258	1.31
107	RCB Holding Co. Inc. Claremore, Okla.	0.89	5,616	6,280	1.6
	1st Summit Bancorp of Johnstown Inc. Pa.	0.89	1,634	1,832	1.01
	Camden National Corp. Maine	0.89	5,586	6,298	0.98
	First New Mexico Financial Corp. Deming	0.89	1,056	1,192	1.14
	Merchants Bancorp Inc. Hillsboro, Ohio	0.89	1,528	1,726	1.1
	FirstPerryton Bancorp Inc. Texas	0.89	2,483	2,805	1.41
113	Park National Corp. Newark, Ohio	0.88	21,166	24,013	1.21
	First Internet Bancorp Indianapolis	0.88	945	1,074	0.77
115	Magnolia Banking Corp. Ark.	0.87	1,734	1,996	1.06
	East West Bancorp Inc. Pasadena, Calif.	0.87	36,348	41,942	0.73
117	215 Holding Co. Minneapolis, Minn.	0.86	1,551	1,806	1.44
118	Liberty Bancshares Inc. Springfield, Mo.	0.85	3,173	3,733	1.32
	Neighbor Insurance Agency Inc. Marion, Iowa	0.85	1,917	2,258	1.31
	Wood and Huston Bancorp. Inc. Marshall, Mo.	0.85	1,678	1,977	1.39
121	Independent Alliance Banks Inc. Fort Wayne, Ind.	0.84	2,401	2,842	1.08
	PNC Financial Services Group Inc. Pittsburgh	0.84	810,201	961,323	1.22
	Hometown Community Bancorp Inc. Morton, Ill.	0.84	5,620	6,672	0.91
	Lakeland Financial Corp. Warsaw, Ind.	0.84	6,206	7,403	0.94
125	Stearns Financial Services Inc. St. Cloud, Minn.	0.83	4,350	5,234	1.24
	LSB Corp. North Andover, Mass.	0.83	1,599	1,929	0.8
	Auburn National Bancorp. Inc. Ala.	0.83	1,607	1,939	0.82
	Orrstown Financial Services Inc. Shippensburg, Pa.	0.83	3,904	4,716	1.18
	Sword Financial Corp. Horicon, Wis.	0.83	1,410	1,704	1.05
130	Southside Bancshares Inc. Tyler, Texas	0.82	9,252	11,215	1.24
	First Bancorp of Durango Inc. Inverness, Ill.	0.82	1,350	1,637	1.11
	CCFNB Bancorp Inc. Bloomsburg, Pa.	0.82	1,661	2,016	1.1
	ESB Bancorp MHC Easthampton, Mass.	0.82	2,025	2,458	0.97
134	Northern Bancorp Inc. Woburn, Mass.	0.81	1,594	1,962	1.03
	Arrow Financial Corp. Glens Falls, N.Y.	0.81	5,714	7,053	1.23
	Cummins-American Corp. Glenview, Ill.	0.81	2,775	3,429	1.03
137	WNB Bancshares Inc. Odessa, Texas	0.80	2,756	3,429	1.09
	CNB Financial Corp. Clearfield, Pa.	0.80	3,124	3,888	1
	Longview Financial Corp. Texas	0.80	3,710	4,632	1.2
	Cambridge Bancorp Mass.	0.80	4,678	5,848	1.79
	Commerce National Financial Services Inc. Lubbock	0.80	2,244	2,818	1.28
	S&T Bancorp Inc. Indiana, Pa.	0.80	9,404	11,811	0.91
	BOU Bancorp Inc. Ogden, Utah	0.80	3,113	3,914	1.67
144	Cashmere Valley Financial Corp. Cashmere, Wash.	0.79	2,272	2,883	0.87
	Arbor Bancorp Inc. Ann Arbor, Mich.	0.79	2,431	3,095	1.64
146	Cortland Bancorp Ohio	0.78	1,324	1,687	1.08
	CIT Group Inc. New York	0.78	142,131	181,952	1.01
	Tri City Bankshares Corp. Oak Creek, Wis.	0.78	4,178	5,368	1.54
149	Banterra Corp. Eldorado, Ill.	0.77	3,451	4,456	1.28
	American Express Co. New York	0.77	1,016,952	1,314,915	2.84
	Broadway Bancshares Inc. San Antonio	0.77	8,094	10,525	1.43
	Valley National Bancorp Wayne, N.J.	0.77	33,010	42,934	0.93
153	Apple Financial Holdings Inc. New York	0.76	9,508	12,448	0.55
	Prudential Mutual Holding Co. Philadelphia	0.76	1,011	1,330	0.77
	Cameron Bancshares Inc. Lake Charles, La.	0.76	2,278	2,999	1.25
	First Dakota Financial Corp. Yankton, S.D.	0.76	2,540	3,352	1.33
157	Bankfirst Capital Corp. Macon, Miss.	0.75	1,471	1,953	0.78
	M&F Bancorp Inc. Holly Springs, Miss.	0.75	337	448	1.64
	Harleysville Savings Financial Corp. Pa.	0.75	1,314	1,747	0.61
	Reliable Community Bancshares Inc. Perryville, Mo.	0.75	2,320	3,098	1.17
	Provident Financial Services Inc. Jersey City, N.J.	0.75	12,940	17,285	0.77
162	Security National Corp. Omaha	0.74	2,317	3,116	1.41
	Canandaigua National Corp. N.Y.	0.74	5,354	7,247	1.33
	Center Bancorp Inc. Union, N.J.	0.74	2,014	2,727	0.69
	Security National Corp. Dakota Dunes, S.D.	0.74	3,226	4,372	1.18
	Brand Group Holdings Inc. Lawrenceville, Ga.	0.74	3,948	5,358	1.28
	Community Trust Bancorp Inc. Pikeville, Ky.	0.74	8,553	11,632	1.06
168	Jefferson Bancshares Inc. San Antonio	0.73	2,826	3,846	1.59
	Starion Bancorp. Bismarck, N.D.	0.73	2,104	2,867	1.14
	Cullen/Frost Bankers Inc. San Antonio	0.73	52,900	72,181	1.27
	Summit Bancorp Inc. Arkadelphia, Ark.	0.73	2,903	3,963	1.02
	Bank of Marin Bancorp Novato, Calif.	0.73	3,338	4,561	1.14
	Ironhorse Financial Group Inc. Muskogee, Okla.	0.73	3,968	5,449	1.83
	First Farmers Financial Corp. Converse, Ind.	0.73	2,088	2,872	1.05
175	Security Bancorp of Tennessee Inc. Halls	0.72	1,196	1,660	1.25
	Community Bank System Inc. De Witt, N.Y.	0.72	16,162	22,509	1.19
	First Financial Corp. Terre Haute, Ind.	0.72	7,713	10,749	1.23
178	Commercial Holding Co. Paris, Tenn.	0.71	1,799	2,517	1.16
	Tennessee Commerce Bancorp Inc. Franklin	0.71	1,886	2,661	0.55
	PeoplesSouth Bancshares Inc. Colquitt, Ga.	0.71	1,120	1,581	0.85
181	Jeff Davis Bancshares Inc. Jennings, La.	0.70	1,550	2,200	1.22
	First Community Bancshares Inc. Batesville, Ark.	0.70	1,564	2,222	0.93
	Republic Bancorp Co. Oak Brook, Ill.	0.70	2,663	3,796	0.73
	Midland States Bancorp Inc. Effingham, Ill.	0.70	4,512	6,432	1.07
	Cardinal Financial Corp. McLean, Va.	0.70	4,709	6,716	0.96
	Washington Banking Co. Oak Harbor	0.70	4,579	6,533	1.12
	Tennessee Central Bancshares Inc. Parsons	0.70	1,940	2,769	1.14
	Community Bank Shares of Indiana Inc. New Albany	0.70	1,803	2,585	0.89
189	Commerce Bancshares Inc. Kansas City, Mo.	0.69	59,734	86,077	1.33
	Central Jersey Bancorp Oakhurst	0.69	1,152	1,669	0.8
	U.S. Bancorp Minneapolis	0.69	766,000	1,111,000	1.09
192	Herring Bancorp Inc. Amarillo, Texas	0.68	2,098	3,065	1.6
	Forcht Bancorp Inc. Lexington, Ky.	0.68	2,773	4,064	1.03
	Commonwealth Bancshares Inc. Louisville	0.68	3,194	4,684	1.3
	First Citizens Bancshares Inc. Dyersburg, Tenn.	0.68	2,021	2,970	0.86
	First Co Bancorp Inc. Collinsville, Ill.	0.68	2,482	3,650	1
	NewAlliance Bancshares Inc. New Haven, Conn.	0.68	16,273	23,993	0.76
	Evangeline Bancshares Inc. Ville Platte, La.	0.68	1,209	1,783	0.84
	Coppermark Bancshares Inc. Oklahoma City	0.68	2,774	4,100	0.94
	Northstar Financial Corp. Denton, Texas	0.68	2,128	3,151	1.05

Note: Only domestic holding companies that file Y-9C reports are included. Based on Y9C filings by top-tier bank holding companies with the Federal Reserve. Figures for prior periods are not adjusted for mergers and acquisitions. Rankings include only companies current as of Oct. 28, 2010.

Source:

SNL Financial