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 Dec. 31, 2012. Dollars in thousands
Published July 10, 2013

Rank   Multiple Net income Salary and
benefits
Return on
average assets
1 Briscoe Ranch Inc. Uvalde, Texas 43.14 $332,978 $7,718 30.65%
2 East Asia Holding Co. Inc. New York 30.18 7,214 239 -0.61
3 Beal Financial Corp. Plano, Texas 7.12 459,112 64,445 6.06
4 CM Florida Holdings Inc. Coral Gables 4.03 189,884 47,138 4.39
5 SBT Bancshares Inc. Dallas 3.79 13,689 3,612 2.66
6 Educational Services of America Inc. Knoxville, Tenn. 3.62 20,787 5,744 1.14
7 Luther Burbank Corp. Santa Rosa, Calif. 2.96 64,245 21,678 2.17
8 Villages Bancorp. Inc. The Villages, Fla. 2.85 26,589 9,342 1.83
9 Citizens Republic Bancorp Inc. Flint, Mich. 2.80 372,275 133,176 3.88
10 Stearns Financial Services Inc. St. Cloud, Minn. 2.75 59,735 21,752 4.08
11 Wilshire Bancorp Inc. Los Angeles 2.70 92,305 34,202 3.47
12 Olney Bancshares of Texas Inc.. 2.38 47,246 19,829 2.54
13 Hanmi Financial Corp. Los Angeles 2.37 90,374 38,207 3.21
14 Synovus Financial Corp. Columbus, Ga. 2.21 830,209 375,872 3.12
15 Discover Financial Services Riverwoods, Ill. 2.20 2,351,281 1,067,701 3.24
16 Rockhold Bancorp Kirksville, Mo. 2.17 7,203 3,318 1.38
17 Sterling Financial Corp. Spokane, Wash. 2.06 385,721 187,507 4.09
18 Malaga Financial Corp. Palos Verdes Estates, Calif. 2.05 11,689 5,700 1.74
19 Industry Bancshares Inc. Texas 1.97 37,170 18,875 1.82
  Republic Bancorp Inc. Louisville, Ky. 1.97 119,339 60,633 3.54
21 Fidelity Holding Co. Minnetonka, Minn. 1.96 8,826 4,513 2
22 Heartland Bancorp Inc. Bloomington, Ill. 1.94 64,722 33,365 2.96
23 Hudson City Bancorp Inc. Paramus, N.J. 1.92 249,143 129,645 0.73
  United National Corp. Sioux Falls, S.D. 1.92 240,088 125,252 12.68
25 Silver Queen Financial Services Inc. Englewood, Colo. 1.91 5,899 3,081 0.44
26 Clayton Bancorp Inc. Knoxville, Tenn. 1.89 22,288 11,762 2.27
27 FCT Bancshares Inc. Waco, Texas 1.88 13,473 7,157 2.57
28 Heritage Group Inc. Wood River, Neb. 1.86 11,015 5,927 1.98
29 Charter Bankshares Inc. Eau Claire, Wis. 1.84 14,086 7,663 1.98
30 Barclays Delaware Holdings LLC Wilmington 1.83 273,208 149,561 1.62
31 Washington Federal Inc. Seattle 1.81 140,047 77,350 1.33
32 Manhattan Banking Corp. Kan. 1.80 20,094 11,158 2.35
33 Capitol Bancorp. Inc. Britton, S.D. 1.78 14,195 7,953 1.96
34 Lauritzen Corp. Omaha, Neb. 1.69 61,053 36,073 3.7
  New York Community Bancorp Inc. Westbury 1.69 501,106 296,875 1.16
36 East West Bancorp Inc. Pasadena, Calif. 1.64 281,650 171,838 1.28
  First-West Texas Bancshares Inc. Midland 1.64 12,855 7,846 1.67
38 Inwood Bancshares Inc. Dallas 1.63 25,273 15,470 1.72
39 Capitol Federal Financial Inc. Topeka, Kan. 1.61 73,287 45,457 0.97
40 Ambank Co. Inc. Sioux Center, Iowa 1.60 17,240 10,756 2.08
41 Amarillo National Bancorp Inc. Texas 1.59 75,164 47,141 2.3
42 WNB Bancshares Inc. Odessa, Texas 1.57 25,488 16,195 2.03
43 Midland Financial Co. Oklahoma City 1.56 263,292 168,456 3.32
44 BNCCORP Inc. Bismarck, N.D. 1.55 26,624 17,143 3.73
  First Financial Banc Corp. El Dorado, Ark. 1.55 26,978 17,375 3.35
  Macatawa Bank Corp. Holland, Mich. 1.55 35,490 22,968 2.33
47 WestStar Bank Holding Co. Inc. El Paso, Texas 1.54 22,448 14,539 2.17
48 Franklin Resources Inc. San Mateo, Calif. 1.52 1,966,666 1,290,131 14.19
  ServisFirst Bancshares Inc. Birmingham, Ala. 1.52 34,445 22,587 1.3
50 Citizens Bankshares Inc. Farmington, N.M. 1.51 10,501 6,933 1.55
51 Cathay General Bancorp El Monte, Calif. 1.50 117,438 78,377 1.1
  Lakeside Bancorp Inc. Chicago 1.50 14,168 9,449 1.26
53 BOFI Holdings Inc. San Diego 1.48 35,040 23,596 1.72
  National Bankshares Inc. Blacksburg, Va. 1.48 17,747 12,005 1.64
55 Intervest Bancshares Corp. New York 1.47 12,222 8,317 0.67
56 BBCN Bancorp Inc. Los Angeles 1.45 83,224 57,360 1.58
  Prosperity Bancshares Inc. Houston 1.45 167,901 115,505 1.4
  United Community Bancorp Inc. Chatham, Ill. 1.45 23,604 16,242 1.85
59 Ida Grove Bancshares Inc. Iowa 1.43 20,816 14,580 1.76
60 Choice Financial Holdings Inc. Grafton, N.D. 1.42 13,874 9,757 2.21
61 Westamerica Bancorp. San Rafael, Calif. 1.41 81,127 57,388 1.63
62 Ameri-National Corp. Overland Park, Kan. 1.40 50,764 36,290 4.54
63 Blackhawk Bancorp. Inc. Milan, Ill. 1.39 15,308 11,009 1.42
  Center Bancorp Inc. Union, N.J. 1.39 17,507 12,571 1.14
  First Bemidji Holding Co. Minn. 1.39 8,830 6,375 1.55
  Magnolia Banking Corp. Ark. 1.39 13,336 9,627 1.77
67 First NBC Bank Holding Co. New Orleans 1.37 28,940 21,182 1.19
68 Stockman Financial Corp. Miles City, Mont. 1.36 44,801 33,030 2.02
69 Centrabanc Corp. Waco, Texas 1.35 9,733 7,202 1.58
  First Security Bancorp Searcy, Ark. 1.35 103,051 76,521 2.39
71 Home BancShares Inc. Conway, Ark. 1.33 63,022 47,289 1.58
  Oritani Financial Corp. Township of Washington, N.J. 1.33 34,646 26,117 1.59
  The Bank of Southside Virginia Corp. Carson 1.33 9,413 7,083 1.67
74 Sinopac Bancorp Los Angeles 1.32 26,518 20,072 2.2
75 Bank of the Ozarks Inc. Little Rock, Ark. 1.31 77,044 59,028 2.01
  Peoples Financial Services Corp. Hallstead, Pa. 1.31 9,120 6,945 1.42
77 Pinnacle Bancorp Inc. Central City, Neb. 1.30 117,025 90,346 1.73
78 Citizens Financial Services Inc. Mansfield, Pa. 1.29 14,215 11,019 1.61
79 First Financial Bankshares Inc. Abilene, Texas 1.27 74,225 58,556 1.73
80 Citizens Bancshares Inc. Bluffton, Ohio 1.26 12,357 9,825 2.01
  First National Bancshares Inc. Goodland, Kan. 1.26 5,159 4,097 2.1
  NRBC Holding Corp. Chicago 1.26 6,527 5,172 0.51
83 Parke Bancorp Inc. Swell, N.J. 1.25 7,313 5,866 0.94
  Planters Financial Group Inc. Hopkinsville, Tenn. 1.25 10,087 8,082 1.46
85 Hometown Banc Corp Grand Island, Neb. 1.24 15,673 12,663 1.59
86 BankUnited Inc. Miami Lakes, Fla. 1.22 211,260 172,763 2.12
87 First Nebraska Bancs Inc. Sidney 1.21 10,016 8,260 1.88
  Nodaway Valley Bancshares Inc. Maryville, Mo. 1.21 13,444 11,113 1.7
89 Citizens and Northern Corp. Wellsboro, Pa. 1.20 22,705 18,867 1.73
  Trustco Bank Corp NY Glenville 1.20 37,534 31,276 1.07
91 Penns Wood Bancorp Inc. Jersey Shore, Pa. 1.18 13,850 11,762 1.7
  Waupaca Bancorp. Inc. Wis. 1.18 12,115 10,284 1.55
93 Cardinal Financial Corp. McLean, Va. 1.15 45,297 39,370 1.62
  Hills Bancorp. Iowa 1.15 26,833 23,401 1.3
95 Ames National Corp. Iowa 1.14 14,182 12,465 1.25
  Hometown Community Bancorp Inc. Morton, Ill. 1.14 35,271 31,019 1.3
  Starion Bancorp. Bismarck, N.D. 1.14 18,303 16,066 1.93
98 CVB Financial Corp. Ontario, Calif. 1.13 77,280 68,496 1.2
99 CBX Corp. Carrollton, Ill. 1.12 13,659 12,142 1.31
100 West Bancorp. Inc. West Des Moines, Iowa 1.10 16,011 14,532 1.2
101 Berkshire Bancorp Inc New York 1.09 10,683 9,795 1.24
  Paducah Bank Shares Inc. Ky. 1.09 10,739 9,850 1.97
103 American National Corp. Omaha 1.08 37,622 34,682 1.77
  Cashmere Valley Financial Corp. Cashmere, Wash. 1.08 13,344 12,304 1.11
  First Paragould Bankshares Inc. Ark. 1.08 10,181 9,453 1.44
  Honat Bancorp Inc. Honesdale, Pa. 1.08 7,832 7,269 1.37
107 Apple Financial Holdings Inc. New York 1.07 58,601 54,632 0.67
  Lakeland Financial Corp. Warsaw, Ind. 1.07 35,381 33,195 1.19
  SNBNY Holdings Ltd. New York 1.07 46,772 43,857 0.85
  U.S. Bancorp Minneapolis 1.07 5,647,000 5,280,000 1.62
111 Dime Community Bancshares Inc. New York 1.06 40,308 38,060 1.28
  Independence Bancshares Inc. Owensboro, Ky. 1.06 17,356 16,311 1.46
113 SKBHC Holdings LLC Seattle 1.05 70,085 66,887 2.88
  Traditional Bancorp. Inc. Mount Sterling, Ky. 1.05 13,713 13,096 1.28
115 Northern Bancorp Inc. Woburn, Mass. 1.04 10,300 9,906 1.3
116 FirstBank Holding Co. Lakewood, Colo. 1.03 161,633 156,965 1.32
  Fremont Bancorp. Calif. 1.03 75,573 73,364 3.09
  Security Star Bancshares Inc. Odessa, Texas 1.03 12,533 12,174 1.77
119 AFNB Holdings Inc. Houston 1.02 15,185 14,938 1.74
  First Citizens Financial Corp. Mason City, Iowa 1.02 15,635 15,365 1.34
  Southern Missouri Bancorp Inc. Poplar Bluff 1.02 9,645 9,477 1.28
  Whitcorp Financial Co. Garden City, Kan. 1.02 9,688 9,528 1.41
123 North Jersey Community Bancorp Inc. Englewood Cliffs, N.J. 1.01 8,420 8,352 1.02
  Virginia Commerce Bancorp Inc. Arlington 1.01 30,100 29,923 1.02
125 Customers Bancorp Inc. Wyomissing, Pa. 1.00 23,818 23,846 0.98
  First Bancorp Inc. Damariscotta, Maine 1.00 12,688 12,691 0.9
  IMB Holdco LLC Pasadena, Calif. 1.00 303,751 303,082 1.49
  Norwood Financial Corp., Honesdale, Pa. 1.00 8,403 8,403 1.23
  Plains Bancorp Inc. Dimmit, Texas 1.00 15,228 15,285 1.37
  Texas Capital Bancshares Inc. Dallas 1.00 120,672 120,893 1.3
131 1st Summit Bancorp of Johnstown Inc. Pa. 0.99 8,512 8,601 1.08
  Embassy Bancorp Inc. Bethlehem, Pa. 0.99 5,743 5,780 1.14
133 First Keystone Corp. Berwick, Pa. 0.98 10,171 10,413 1.25
134 CB&T Holding Corp. New Orleans 0.97 28,733 29,529 4.06
  Guaranty Bancshares Inc. Mount Pleasant, Texas 0.97 15,476 15,980 1.38
  Pacific Premier Bancorp Inc. Costa Mesa, Calif. 0.97 15,776 16,281 1.5
137 Cache Valley Banking Co. Logan, Utah 0.96 9,828 10,199 4.7
  Merchants Bancorp Inc. Hillsboro, Ohio 0.96 7,005 7,293 1.22
  Sabine Bancshares Inc. Many, La. 0.96 14,561 15,190 2.09
140 215 Holding Co. Minneapolis 0.95 9,877 10,372 1.59
  Banner Corp. Walla Walla, Wash. 0.95 64,882 68,292 1.53
  Leackco Bank Holding Co. Inc. Wolsey, S.D. 0.95 6,995 7,390 2.11
  Southern Utah Bancorp. Cedar City 0.95 8,921 9,386 1.27
  The First of Long Island Corp. Glen Head, N.Y. 0.95 20,393 21,395 0.99
145 First Arkansas Bancshares Inc. Jacksonville 0.94 13,074 13,953 1.87
  First Bancorp Inc. Lebanon, Va. 0.94 16,001 17,051 1.28
  Planters Holding Co. Indianola, Miss. 0.94 8,556 9,105 1.23
148 First Illinois Bancorp Inc. East St. Louis 0.93 5,519 5,928 0.99
  First York Ban Corp. Neb. 0.93 19,972 21,407 1.7
150 Coppermark Bancshares Inc. Oklahoma City 0.92 15,884 17,236 1.22
  Midland Financial Corp. Casper, Wyo. 0.92 9,248 10,061 1.52
  NEB Corp. Fond du Lac, Wis. 0.92 16,156 17,468 1.07
  Sunflower Financial Inc. Salina, Kan. 0.92 21,607 23,480 1.25
  Watford City Bancshares Inc. N.D. 0.92 19,855 21,679 1.68
155 Ally Financial Inc. Detroit 0.91 1,242,000 1,367,000 0.31
  CNB Financial Corp. Clearfield, Pa. 0.91 17,136 18,893 1.01
  International Bancshares Corp. Laredo, Texas 0.91 107,835 118,041 0.91
158 Bank of Hawaii Corp. Honolulu 0.89 166,076 186,851 1.21
  Bar Harbor Bankshares Maine 0.89 12,466 14,027 1
  First Manitowoc Bancorp Inc. Wis. 0.89 10,420 11,698 1.1
  United Bankshares Inc. Charleston, W.Va. 0.89 82,607 92,580 0.98
162 First American International Corp. Brooklyn, N.Y. 0.88 9,304 10,550 1.75
  First Citizens Bancshares Inc. Waxahachie, Texas 0.88 10,259 11,662 1.73
  First Guaranty Bancshares Inc. Hammond, La. 0.88 12,059 13,667 0.88
  Liberty Bancshares Inc. Springfield, Mo. 0.88 14,107 16,023 1.33
  Middlefield Banc Corp Ohio 0.88 6,281 7,103 0.95
  Neighbor Insurance Agency Inc. Marion, Iowa 0.88 9,122 10,372 1.4
  Pinnacle Financial Corp. Elberton, Ga. 0.88 8,135 9,238 1.41
  QNB Corp. Quakertown, Pa. 0.88 9,175 10,403 1.02
  Town & Country Bancshares Inc. Salem, Mo. 0.88 7,717 8,749 1.86
171 CCFNB Bancorp Inc. Bloomsburg, Pa. 0.87 7,153 8,243 1.15
  City Holding Co. Cross Lanes, W.Va. 0.87 38,945 44,530 1.36
  Dimeco Inc. Honesdale, Pa. 0.87 6,614 7,644 1.11
  ESB Financial Corp. Ellwood City, Pa. 0.87 14,903 17,118 0.95
  First Western Mortgage Corp. Fort Worth, Texas 0.87 63,645 73,512 7.42
  Great Southern Bancorp Inc. Springfield, Mo. 0.87 48,707 55,863 1.1
  Mackinac Financial Corp. Manistique, Mich. 0.87 7,087 8,157 1.35
  Orange County Bancorp Inc. Middletown, N.Y. 0.87 7,779 8,946 1.18
179 Community Trust Bancorp Inc. Pikeville, Ky. 0.86 44,862 51,888 1.23
  Community Trust Financial Corp. Ruston, La. 0.86 24,910 29,010 0.91
  First New Mexico Financial Corp. Deming 0.86 4,483 5,204 1.14
182 Community Bankers Inc. Granbury, Texas 0.85 7,852 9,289 1.81
  Farmers and Merchants Bankshares Inc. Stuttgart, Ark. 0.85 8,247 9,749 1.31
  First Southern Bancorp Inc. Stanford, Ky. 0.85 9,166 10,767 1.27
  Midland Bancshares Inc. Texas 0.85 8,788 10,380 0.96
  Santander Holdings USA Inc. Boston 0.85 561,235 656,932 0.83
  Security National Corp. Omaha, Neb. 0.85 10,961 12,952 1.54
188 Bank of Marin Bancorp Novato, Calif. 0.84 17,817 21,139 1.26
  Capital One Financial Corp. McLean, Va. 0.84 3,516,964 4,171,881 1.32
  Financial Corp. of Louisiana Crowley 0.84 8,676 10,319 1.84
  First Farmers Financial Corp. Converse, Ind. 0.84 13,406 16,012 1.28
  T. Rowe Price Group Inc. Baltimore 0.84 883,645 1,046,778 26.3
193 American National Bankshares Inc. Danville, Va. 0.83 16,006 19,389 1.23
  Banterra Corp Eldorado, Ill. 0.83 16,686 20,095 1.47
  Chambers Bancshares Inc. Danville, Ark. 0.83 6,611 7,974 0.85
  First Fidelity Bancorp Inc. Oklahoma City 0.83 15,459 18,621 1.33
  German American Bancorp Inc. Jasper, Ind. 0.83 24,055 29,086 1.24
  Ouachita Bancshares Corp. Monroe, La. 0.83 10,036 12,136 2.05
  Provident Financial Services Inc. Jersey City, N.J. 0.83 67,267 80,874 0.94
  RCB Holding Co. Inc. Claremore, Okla. 0.83 28,154 33,850 1.38


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 Dec. 31, 2012.

Source:

Financial Information Systems LLC

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