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

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

Banking Companies with the Highest Multiples of Net Income to Salary, BenefitsYear to date through June 30, 2012. Dollars in thousands
Published February 5, 2013

Rank   Multiple Net income Salary and
benefits
Return on
average assets
1 Briscoe Ranch Inc. Uvalde, Texas 26.33 $101,060 $3,838 19.98%
2 Beal Financial Corp. Plano, Texas 8.11 234,937 28,963 7.36
3 Educational Services of America Inc. Knoxville, Tenn. 5.73 14,990 2,616 1.77
4 NRBC Holding Corp. Chicago 4.97 12,806 2,576 1.96
5 Citizens Republic Bancorp Inc. Flint, Mich. 4.95 328,037 66,221 6.85
6 SBT Bancshares Inc. Dallas 4.20 6,655 1,585 2.48
7 Sterling Financial Corp. Spokane, Wash. 3.58 334,177 93,229 7.07
8 Hanmi Financial Corp. Los Angeles 3.28 63,116 19,242 4.53
9 Stearns Financial Services Inc. St. Cloud, Minn. 3.17 28,143 8,871 4.06
10 Republic Bancorp Inc. Louisville, Ky. 2.94 92,050 31,284 5.50
11 Luther Burbank Corp. Santa Rosa, Calif. 2.93 31,023 10,584 2.50
12 Villages Bancorp. Inc. The Villages, Fla. 2.88 13,244 4,602 1.86
13 Rockhold Bancorp Kirksville, Mo. 2.72 4,473 1,645 1.73
14 Olney Bancshares of Texas Inc.. 2.40 23,380 9,754 2.51
15 CU Bank Shares Inc. Farmers Branch, Texas 2.39 6,070 2,537 1.77
16 Silver Queen Financial Services Inc. Englewood, Colo. 2.34 3,266 1,396 0.65
Barclays Delaware Holdings LLC Wilmington 2.34 173,352 74,201 2.19
18 JJR Holding Co. Inc. Brick, N.J. 2.33 7,337 3,152 2.59
Discover Financial Services Riverwoods, Ill. 2.33 1,174,998 505,117 3.30
20 Hudson City Bancorp Inc. Paramus, N.J. 2.32 145,263 62,543 1.00
21 Wilshire Bancorp Inc. Los Angeles 2.26 38,626 17,075 2.91
22 Industry Bancshares Inc. Texas 2.21 19,726 8,916 2.01
23 Malaga Financial Corp. Palos Verdes Estates, Calif. 2.19 6,171 2,814 2.22
24 Hamilton State Bancshares Inc. Hoschton, Ga. 2.09 22,578 10,792 3.40
25 FCT Bancshares Inc. Waco, Texas 2.06 7,294 3,541 3.52
26 United National Corp. Sioux Falls, S.D. 2.05 127,290 61,967 13.88
27 Charter Bankshares Inc. Eau Claire, Wis. 1.98 7,035 3,559 2.01
28 Lauritzen Corp. Omaha, Neb. 1.88 33,312 17,731 4.10
29 Heartland Bancorp Inc. Bloomington, Ill. 1.85 26,553 14,369 2.68
30 Heritage Group Inc. Wood River, Neb. 1.81 5,286 2,915 1.92
Washington Federal Inc. Seattle 1.81 69,233 38,182 1.54
32 Capitol Bancorp. Inc. Britton, S.D. 1.74 6,951 3,993 1.95
33 Capitol Federal Financial Inc. Topeka, Kan. 1.73 37,988 22,009 1.20
34 AFNB Holdings Inc. Houston 1.71 11,019 6,448 2.54
35 New York Community Bancorp Inc. Westbury 1.69 249,465 147,208 1.16
Manhattan Banking Corp. Kan. 1.69 8,498 5,015 2.11
WNB Bancshares Inc. Odessa, Texas 1.69 12,770 7,549 2.11
Inwood Bancshares Inc. Dallas 1.69 12,202 7,224 1.69
39 Lakeside Bancorp Inc. Chicago 1.68 7,752 4,611 1.37
40 Choice Financial Holdings Inc. Grafton, N.D. 1.64 7,521 4,578 2.46
41 First Bemidji Holding Co. Minn. 1.63 5,022 3,079 1.79
42 ServisFirst Bancshares Inc. Birmingham, Ala. 1.59 16,587 10,413 1.32
43 Prosperity Bancshares Inc. Houston 1.57 73,459 46,823 1.40
44 Clayton Bancorp Inc. Knoxville, Tenn. 1.56 8,274 5,310 1.71
45 BOFI Holdings Inc. San Diego 1.55 16,283 10,473 2.09
46 East West Bancorp Inc. Pasadena, Calif. 1.54 138,640 89,929 1.27
Amarillo National Bancorp Inc. Texas 1.54 35,963 23,338 2.28
Citizens Bankshares Inc. Farmington, N.M. 1.54 5,374 3,488 1.61
United Community Bancorp Inc. Chatham, Ill. 1.54 12,356 8,044 1.94
50 Ambank Co. Inc. Sioux Center, Iowa 1.51 7,906 5,252 1.94
51 Franklin Resources Inc. San Mateo, Calif. 1.50 958,485 637,594 14.23
52 National Bankshares Inc. Blacksburg, Va. 1.48 8,769 5,910 1.62
First Financial Banc Corp. El Dorado, Ark. 1.48 12,373 8,358 3.11
BBCN Bancorp Inc. Los Angeles 1.48 43,298 29,318 1.69
55 Cathay General Bancorp El Monte, Calif. 1.47 58,774 39,975 1.11
56 First-West Texas Bancshares Inc. Midland 1.46 5,668 3,871 1.54
Fidelity Holding Co. Minnetonka, Minn. 1.46 3,117 2,141 1.56
58 Midland Financial Co. Oklahoma City 1.45 120,976 83,424 3.67
Intervest Bancshares Corp. New York 1.45 6,014 4,149 0.63
60 WestStar Bank Holding Co. Inc. El Paso, Texas 1.44 10,794 7,505 2.13
61 Mountain National Bancshares Inc. Sevierville, Tenn. 1.43 2,726 1,905 1.07
62 Westamerica Bancorp. San Rafael, Calif. 1.42 41,969 29,540 1.67
Citizens Bancshares Inc. Bluffton, Ohio 1.42 6,585 4,646 2.20
64 Stockman Financial Corp. Miles City, Mont. 1.41 21,075 14,938 1.97
65 First Illinois Bancorp Inc. East St. Louis 1.40 4,359 3,115 1.58
66 Center Bancorp Inc. Union, N.J. 1.39 8,584 6,173 1.17
67 Centrabanc Corp. Waco, Texas 1.38 4,888 3,536 1.62
CVB Financial Corp. Ontario, Calif. 1.38 45,887 33,367 1.41
69 Peoples Financial Services Corp. Hallstead, Pa. 1.37 4,704 3,439 1.49
70 Ida Grove Bancshares Inc. Iowa 1.36 9,761 7,155 1.67
Hills Bancorp. Iowa 1.36 15,970 11,773 1.55
72 The Bank of Southside Virginia Corp. Carson 1.34 4,535 3,391 1.62
73 First Security Bancorp Searcy, Ark. 1.33 51,526 38,611 2.42
Citizens Financial Services Inc. Mansfield, Pa. 1.33 7,202 5,421 1.62
75 Oritani Financial Corp. Washington, N.J. 1.32 16,689 12,682 1.87
76 Pinnacle Bancorp Inc. Central City, Neb. 1.31 58,494 44,812 1.78
77 Bank of the Ozarks Inc. Little Rock, Ark. 1.30 37,102 28,626 1.95
78 Nodaway Valley Bancshares Inc. Maryville, Mo. 1.29 7,051 5,446 1.82
Home BancShares Inc. Conway, Ark. 1.29 29,988 23,289 1.52
80 Blackhawk Bancorp. Inc. Milan, Ill. 1.28 7,120 5,568 1.35
Mackinac Financial Corp. Manistique, Mich. 1.28 4,993 3,913 1.96
82 Parke Bancorp Inc. Swell, N.J. 1.27 3,636 2,852 0.93
Santander Holdings USA Inc. Boston 1.27 412,714 324,795 1.49
Hometown Banc Corp Grand Island, Neb. 1.27 7,833 6,182 1.66
First NBC Bank Holding Co. New Orleans 1.27 13,701 10,826 1.18
86 First Financial Bankshares Inc. Abilene, Texas 1.26 36,106 28,564 1.71
87 Whitcorp Financial Co. Garden City, Kan. 1.25 5,790 4,618 1.69
Planters Financial Group Inc. Hopkinsville, Tenn. 1.25 4,862 3,879 1.44
89 First Nebraska Bancs Inc. Sidney 1.22 4,969 4,086 1.88
90 First Paragould Bankshares Inc. Ark. 1.21 4,850 3,992 1.38
Penns Wood Bancorp Inc. Jersey Shore, Pa. 1.21 7,087 5,867 1.79
92 Magnolia Banking Corp. Ark. 1.20 5,956 4,983 1.60
93 Trustco Bank Corp. NY Glenville 1.18 17,975 15,262 1.22
94 Citizens and Northern Corp. Wellsboro, Pa. 1.17 11,272 9,616 1.70
CBX Corp. Carrollton, Ill. 1.17 6,901 5,891 1.34
Oriental Financial Group Inc. San Juan, Puerto Rico 1.17 25,610 21,863 0.79
97 Yadkin Valley Financial Corp. Elkin, N.C. 1.16 14,468 12,464 1.47
West Bancorp. Inc. West Des Moines, Iowa 1.16 8,360 7,207 1.27
Honat Bancorp Inc. Honesdale, Pa. 1.16 4,128 3,568 1.45
100 Pacific Premier Bancorp Inc. Costa Mesa, Calif. 1.13 8,503 7,557 1.69
101 American National Corp. Omaha, Neb. 1.12 18,464 16,418 1.81
102 Dime Community Bancshares Inc. New York 1.11 21,778 19,668 1.65
Cashmere Valley Financial Corp. Cashmere, Wash. 1.11 6,725 6,079 1.14
Ames National Corp. Iowa 1.11 6,853 6,196 1.25
105 First Manitowoc Bancorp Inc. Wis. 1.10 6,186 5,625 1.34
BankUnited Inc. Miami Lakes, Fla. 1.10 99,201 90,576 2.42
107 First Citizens Financial Corp. Mason City, Iowa 1.09 8,199 7,534 1.41
First Arkansas Bancshares Inc. Jacksonville 1.09 7,543 6,941 2.17
109 Midland Financial Corp. Casper, Wyo. 1.08 4,974 4,615 1.67
110 Chambers Bancshares Inc. Danville, Ark. 1.07 3,773 3,510 1.05
Apple Financial Holdings Inc. New York 1.07 29,270 27,286 0.71
Southern National Bancorp of Virginia Inc. McLean 1.07 4,058 3,795 1.26
113 Norwood Financial Corp., Honesdale, Pa. 1.06 4,444 4,198 1.31
Park National Corp. Newark, Ohio 1.06 50,361 47,636 1.48
115 Paducah Bank Shares Inc. Ky. 1.05 5,214 4,949 1.92
Waupaca Bancorp. Inc. Wis. 1.05 5,342 5,071 1.40
Heartland BancCorp Gahanna, Ohio 1.05 4,501 4,295 1.57
Independence Bancshares Inc. Owensboro, Ky. 1.05 8,500 8,113 1.46
U.S. Bancorp Minneapolis 1.05 2,753,000 2,629,000 1.60
American Central Bancorp. Inc. Mount Zion, Ill. 1.05 6,332 6,055 1.92
121 FirstBank Holding Co. Lakewood, Colo. 1.04 81,589 78,236 1.37
Lakeland Financial Corp. Warsaw, Ind. 1.04 17,432 16,748 1.19
Citco Community Bancshares Inc. Elizabethton, Tenn. 1.04 4,854 4,671 1.56
Starion Bancorp. Bismarck, N.D. 1.04 8,290 7,980 1.77
Hudson Valley Holding Corp. Yonkers, N.Y. 1.04 22,974 22,136 1.64
126 Security Star Bancshares Inc. Odessa, Texas 1.03 6,037 5,877 1.78
CB&T Holding Corp. New Orleans 1.03 15,000 14,604 4.44
Great Southern Bancorp Inc. Springfield, Mo. 1.03 29,153 28,398 1.47
IMB Holdco LLC Pasadena, Calif. 1.03 158,420 154,491 1.90
130 Guaranty Bancshares Inc. Mount Pleasant, Texas 1.02 7,845 7,666 1.41
Banner Corp. Walla Walla, Wash. 1.02 34,574 33,903 1.64
Wood and Huston Bancorp. Inc. Marshall, Mo. 1.02 4,266 4,187 1.71
133 Traditional Bancorp. Inc. Mount Sterling, Ky. 1.01 6,540 6,451 1.21
First Keystone Corp. Berwick, Pa. 1.01 5,234 5,192 1.28
First Bancorp Inc. Damariscotta, Maine 1.01 6,236 6,186 0.89
136 1st Summit Bancorp of Johnstown Inc. Pa. 1.00 4,264 4,248 1.12
The First of Long Island Corp. Glen Head, N.Y. 1.00 10,555 10,607 1.04
138 First Bancorp Inc. Lebanon, Va. 0.99 8,398 8,451 1.35
Southern Missouri Bancorp Inc. Poplar Bluff 0.99 4,573 4,628 1.21
140 American State Financial Corp. Lubbock, Texas 0.98 31,623 32,134 2.02
SNBNY Holdings Ltd. New York 0.98 21,897 22,372 0.81
142 Sabine Bancshares Inc. Many, La. 0.97 7,300 7,497 2.11
Merchants Bancorp Inc. Hillsboro, Ohio 0.97 3,482 3,596 1.20
Bar Harbor Bankshares Maine 0.97 6,268 6,491 1.03
145 Planters Holding Co. Indianola, Miss. 0.96 4,165 4,324 1.21
University Financial Corp. Inc. dba Sunrise Community Banks St. Paul, Minn. 0.96 7,265 7,550 1.73
QNB Corp. Quakertown, Pa. 0.96 4,976 5,174 1.13
PeoplesSouth Bancshares Inc. Colquitt, Ga. 0.96 2,990 3,109 1.15
Texas Capital Bancshares Inc. Dallas 0.96 56,707 59,063 1.32
First York Ban Corp. Neb. 0.96 9,756 10,175 1.73
Community Trust Bancorp Inc. Pikeville, Ky. 0.96 24,101 25,215 1.33
152 Hometown Community Bancorp Inc. Morton, Ill. 0.95 14,218 14,923 1.05
Sunflower Financial Inc. Salina, Kan. 0.95 11,154 11,731 1.29
Integrity Bancshares Inc. Camp Hill, Pa. 0.95 2,924 3,083 0.94
155 International Bancshares Corp. Laredo, Texas 0.94 56,237 59,611 0.96
215 Holding Co. Minneapolis 0.94 4,928 5,232 1.62
Fremont Bancorp. Calif. 0.94 33,359 35,566 2.79
Camden National Corp. Maine 0.94 12,995 13,880 1.11
159 CNB Financial Corp. Clearfield, Pa. 0.93 8,683 9,344 1.04
North Jersey Community Bancorp Inc. Englewood Cliffs, N.J. 0.93 3,920 4,228 1.02
161 Virginia Commerce Bancorp Inc. Arlington 0.92 13,862 15,025 0.93
Tennessee State Bancshares Inc. Pigeon Forge 0.92 4,719 5,115 1.27
OceanFirst Financial Corp. Toms River, N.J. 0.92 11,020 11,960 1.45
NEB Corp. Fond du Lac, Wis. 0.92 8,069 8,769 1.09
Northern Bancorp Inc. Woburn, Mass. 0.92 4,375 4,756 1.17
Pacific City Financial Corp. Los Angeles 0.92 4,604 5,012 1.60
United States Automobile Association San Antonio 0.92 1,473,080 1,607,713 4.03
Bank of Hawaii Corp. Honolulu 0.92 84,557 92,295 1.22
169 Neighbor Insurance Agency Inc. Marion, Iowa 0.91 4,697 5,157 1.46
Community Trust Financial Corp. Ruston, La. 0.91 12,078 13,270 0.93
Farmers Enterprises I nc. Great Bend, Kan. 0.91 8,999 9,903 2.72
Clifton MHC N.J. 0.91 3,386 3,734 0.94
Plains Bancorp Inc. Dimmit, Texas 0.91 6,935 7,654 1.27
Bank of Marin Bancorp Novato, Calif. 0.91 9,891 10,918 1.41
Liberty Capital Inc. Wilmington, Ohio 0.91 6,473 7,150 2.97
176 County Bancorp Inc. Manitowoc, Wis. 0.90 3,902 4,318 1.13
Liberty Bancshares Inc. Springfield, Mo. 0.90 7,189 7,985 1.34
Security National Corp. Omaha, Neb. 0.90 5,793 6,438 1.66
United Bankshares Inc. Charleston, W.Va. 0.90 42,059 46,887 0.99
Chinatrust Capital Corp. Torrance, Calif. 0.90 10,210 11,406 1.32
181 First Guaranty Bancshares Inc. Hammond, La. 0.89 6,015 6,736 0.89
First Western Mortgage Corp. Fort Worth, Texas 0.89 30,309 34,052 8.74
Middlefield Banc Corp. Ohio 0.89 3,162 3,553 0.96
Farmers and Merchants Bankshares Inc. Stuttgart, Ark. 0.89 4,063 4,590 1.30
185 ESB Financial Corp. Ellwood City, Pa. 0.88 7,466 8,451 1.13
Town and Country Bancshares Inc. Salem, Mo. 0.88 3,871 4,400 2.21
Southern Utah Bancorp. Cedar City 0.88 4,200 4,785 1.21
First Southern Bancorp Inc. Stanford, Ky. 0.88 4,731 5,394 1.32
Commercial Holding Co. Paris, Tenn. 0.88 4,704 5,364 1.43
190 Cardinal Financial Corp. McLean, Va. 0.87 17,804 20,384 1.35
First New Mexico Financial Corp. Deming 0.87 2,250 2,581 1.16
Central Bancshares Inc. Golden Valley, Minn. 0.87 9,234 10,616 1.69
Crews Banking Corp. Wauchula, Fla. 0.87 7,475 8,606 1.27
Customers Bancorp Inc. Wyomissing, Pa. 0.87 9,616 11,094 0.91
195 Community Bankers Inc. Granbury, Texas 0.86 4,046 4,691 2.26
American National Bankshares Inc. Danville, Va. 0.86 8,449 9,797 1.29
American Bancorp of Oklahoma Inc. Edmond 0.86 2,926 3,393 1.04
CCFNB Bancorp Inc. Bloomsburg, Pa. 0.86 3,697 4,317 1.19
BBVA PR Holding Corp. San Juan, Puerto Rico 0.86 19,951 23,316 0.79
200 Dimeco Inc. Honesdale, Pa. 0.85 3,250 3,826 1.10


Only domestic holding companies that file Y-9C reports are included. Based on Y-9C 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 June 30, 2012.

Source:

Financial Information Systems LLC

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