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

July 17, 2014, 11:58 a.m. EDT 1 Min Read

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Banking Companies with the Highest Multiples of Net Income to Salary, BenefitsYear to date through Sept. 30, 2013. Dollars in thousands Published July 17, 2014
Rank		Multiple	Net income	Salary and benefits	Return on average assets
1	Anchor BanCorp Wisconsin Inc. Madison	10.39	$113,250	$10,899	19.76%
2	Old Second Bancorp Inc. Aurora, Ill.	7.84	72,924	9,299	15.10
3	Beal Financial Corp. Plano, Texas	7.64	156,928	20,543	7.20
4	Coconut Grove Bankshares Inc. Miami	6.72	24,445	3,637	15.80
5	Briscoe Ranch Inc. Uvalde, Texas	5.63	9,581	1,703	3.27
6	First Community Financial Partners Inc. Joliet, Ill.	5.61	15,208	2,709	7.26
7	Seacoast Banking Corp. of Florida Stuart, Fla.	4.87	45,141	9,271	8.38
8	Palmetto Bancshares Inc. Greenville, S.C.	4.73	22,233	4,705	8.22
9	Merchants Bancorp Carmel, Ind.	4.66	8,304	1,783	2.36
10	Silver Queen Financial Services Inc. Greenwood Village, Colo.	4.40	5,197	1,182	1.09
11	MBT Financial Corp. Monroe, Mich.	4.01	21,287	5,310	7.14
12	Pacific City Financial Corp. Los Angeles	3.63	11,869	3,267	6.90
13	Stearns Financial Services Inc. St. Cloud, Minn.	3.00	15,730	5,248	3.94
14	Clayton Bancorp Inc. Knoxville, Tenn.	2.88	9,351	3,251	3.90
15	Five Star Bancorp Rocklin, Calif.	2.74	3,104	1,133	2.12
16	Charter Bankshares Inc. Eau Claire, Wis.	2.68	4,593	1,715	2.59
17	Educational Services of America Inc. Knoxville, Tenn.	2.34	6,924	2,955	1.23
18	Luther Burbank Corp. Santa Rosa, Calif.	2.27	14,364	6,340	1.58
19	Malaga Financial Corp. Palos Verdes Estates, Calif.	2.22	2,946	1,326	1.35
20	First Berne Financial Corp. Ind.	2.13	3,409	1,598	2.64
21	Olney Bancshares of Texas Inc.	2.12	12,777	6,016	2.41
22	HMN Financial Inc. Rochester, Minn.	2.08	6,033	2,894	4.49
	Cadence Bancorp LLC Houston	2.08	76,102	36,550	5.07
24	Lakeside Bancorp Inc. Chicago	2.06	5,252	2,552	1.85
25	Washington Federal Inc. Seattle	2.05	42,907	20,957	1.32
26	Discover Financial Services Riverwoods, Ill.	1.99	593,104	298,050	3.16
27	Popular Inc. Hato Rey, Puerto Rico	1.97	229,000	116,000	2.53
28	John Deere Capital Corp. Reno, Nev.	1.88	121,003	64,377	1.55
29	Lauritzen Corp. Omaha, Neb.	1.83	17,294	9,475	3.99
30	Capitol Bancorp. Inc. Britton, S.D.	1.81	3,715	2,049	2.01
31	Industry Bancshares Inc. Texas	1.80	9,405	5,211	1.58
32	Citizens Bankshares Inc. Farmington, N.M.	1.79	3,081	1,720	1.74
33	East West Bancorp Inc. Pasadena, Calif.	1.75	73,157	41,706	1.22
	First Illinois Bancorp Inc. East St. Louis,	1.75	2,485	1,420	1.87
	Nodaway Valley Bancshares Inc. Maryville, Mo.	1.75	4,512	2,582	2.26
	National Bancorp Inc. Schaumburg, Ill.	1.75	3,953	2,265	3.39
37	CBS Banc-Corp. Russellville, Ala.	1.74	8,871	5,097	2.65
38	Sterling Bancorp Inc. Southfield, Mich.	1.72	4,259	2,473	1.82
39	Heritage Group Inc. Aurora, Neb.	1.71	2,560	1,493	1.81
	United National Corp. Sioux Falls, S.D.	1.71	57,589	33,588	10.92
41	Inwood Bancshares Inc. Dallas	1.69	6,650	3,930	1.73
42	WestStar Bank Holding Co. Inc. El Paso, Texas	1.68	6,032	3,581	2.38
43	First NBC Bank Holding Co. New Orleans	1.66	10,464	6,297	1.35
44	Ambank Co. Inc. Sioux Center, Iowa	1.64	4,678	2,848	2.11
45	Farmers Bancorp Inc. Blytheville, Ark.	1.62	2,213	1,362	2.18
46	Choice Financial Holdings Inc. Grafton, N.D.	1.60	3,950	2,465	2.38
47	BofI Holding Inc. San Diego, Calif.	1.59	12,183	7,661	1.63
48	Center Bancorp Inc. Union, N.J.	1.57	5,094	3,246	1.23
	Putnam Bancshares Inc. Hurricane, W.Va.	1.57	1,407	897	0.91
50	Bank of Southside Virginia Corp. Carson	1.56	2,544	1,629	1.76
	Hometown Community Bancorp Inc. Morton, Ill.	1.56	11,723	7,524	1.68
52	ServisFirst Bancshares Inc. Birmingham, Ala.	1.53	10,812	7,048	1.32
53	NRBC Holding Corp. Chicago	1.52	2,223	1,460	0.79
	Guaranty Capital Corp. Belzoni, Miss.	1.52	4,118	2,707	2.80
	Magnolia Banking Corp. Ark.	1.52	4,100	2,705	2.09
56	FCT Bancshares Inc. Waco, Texas	1.51	2,884	1,907	1.55
	Oritani Financial Corp. Township of Washington, N.J.	1.51	10,378	6,887	1.48
58	National Bankshares Inc. Blacksburg, Va.	1.49	4,517	3,031	1.66
	Prosperity Bancshares Inc. Houston	1.49	55,278	37,134	1.37
60	New York Community Bancorp Inc. Westbury	1.48	114,201	77,083	1.03
	Plains Bancorp Inc. Dimmitt, Texas	1.48	5,824	3,942	2.03
62	Manhattan Banking Corp. Kan.	1.47	5,337	3,632	2.13
63	Stockman Financial Corp. Miles City, Mont.	1.46	13,588	9,291	2.22
	CIT Group Inc. New York	1.46	199,628	136,698	1.75
	Franklin Resources Inc. San Mateo, Calif.	1.46	509,056	348,790	13.31
	First-West Texas Bancshares Inc. Midland	1.46	3,291	2,256	1.59
	FEO Investments Inc. Norfolk, Neb.	1.46	2,092	1,435	1.40
68	Ida Grove Bancshares Inc. Iowa	1.44	5,517	3,833	1.83
69	Amarillo National Bancorp Inc. Texas	1.43	17,102	11,938	1.74
	Cathay General Bancorp Los Angeles	1.43	32,478	22,752	1.24
	First Bemidji Holding Co. Minn.	1.43	2,424	1,701	1.69
72	Peoples Bancorp Inc. Prairie Du Chien, Wis.	1.42	2,403	1,694	1.77
73	Home BancShares Inc. Conway, Ark.	1.41	18,363	12,981	1.82
74	First Security Bancorp Searcy, Ark.	1.40	25,291	18,008	2.29
	Fidelity Holding Co. Minnetonka, Minn.	1.40	1,593	1,137	1.56
	First Fidelity Bancorp Inc. Oklahoma City	1.40	7,028	5,019	2.16
	BBCN Bancorp Inc. Los Angeles	1.40	23,552	16,821	1.53
	Guardian Bancorp Inc. Cincinnati	1.40	4,914	3,514	2.34
79	Stark Bank Group Ltd. Fort Dodge, Iowa	1.39	6,081	4,365	2.16
80	Centrabanc Corp. Waco, Texas	1.38	2,565	1,858	1.50
81	Intervest Bancshares Corp. New York	1.37	2,857	2,081	0.72
	American Bank Inc. Allentown, Pa.	1.37	1,104	805	0.85
	Rockhold BanCorp Inc. Kirksville, Mo.	1.37	1,124	822	0.79
84	Bank of the Ozarks Inc. Little Rock, Ark.	1.36	22,350	16,456	2.01
85	Integrity Bancshares Inc. Camp Hill, Pa.	1.32	2,007	1,515	1.13
	Dakota Community Banshares Inc. Hebron, N.D.	1.32	3,785	2,869	2.28
	CVB Financial Corp. Ontario, Calif.	1.32	24,239	18,389	1.50
88	Eagle Bancorp Inc. Bethesda, Md.	1.31	16,025	12,187	1.85
89	Pinnacle Bancorp Inc. Central City, Neb.	1.30	32,782	25,248	1.76
	Blackhawk Bancorp. Inc. Milan, Ill.	1.30	3,647	2,816	1.35
91	TrustCo Bank Corp NY Glenville	1.29	10,252	7,935	0.92
	Wilshire Bancorp Inc. Los Angeles	1.29	11,334	8,793	1.62
	Watford City Bancshares Inc. N.D.	1.29	8,818	6,851	2.42
94	Capitol Federal Financial Inc. Topeka, Kan.	1.28	16,067	12,582	0.70
95	TFC Holding Co. Alhambra, Calif.	1.27	1,939	1,528	1.91
96	First Paragould Bankshares Inc. Ark.	1.26	2,788	2,210	1.52
	Citizens Bancshares Inc. Bluffton, Ohio	1.26	3,082	2,455	1.87
98	Southeast Bancshares Inc. Chanute, Kan.	1.24	1,103	889	1.54
	BankUnited Inc. Miami Lakes, Fla.	1.24	54,309	43,970	1.61
100	Citizens Financial Services Inc. Mansfield, Pa.	1.23	3,512	2,856	1.58
	Parke Bancorp Inc. Sewell, N.J.	1.23	2,032	1,653	1.08
	Hudson City Bancorp Inc. Paramus, N.J.	1.23	42,734	34,802	0.43
103	NATCOM Bancshares Inc. Superior, Wis.	1.22	2,557	2,092	2.00
104	Westamerica Bancorp. San Rafael, Calif.	1.21	16,738	13,826	1.39
	Carbon County Holding Co. Rawlins, Wyo.	1.21	1,174	973	2.66
106	Waupaca Bancorp. Inc. Wis.	1.19	2,353	1,975	1.18
107	Southern BancShares N.C. Inc. Mount Olive	1.18	11,566	9,789	2.06
108	USAmeriBancorp Inc. Clearwater, Fla.	1.17	13,315	11,420	1.93
109	First Nebraska Bancs Inc. Sidney	1.15	2,436	2,111	1.78
	Security Star Bancshares Inc. Midland, Texas	1.15	3,913	3,411	2.03
111	First Community Holdings Santa Rosa, Calif.	1.14	2,336	2,050	1.41
	AliKat Investments Inc. Gurnee, Ill.	1.14	927	816	1.24
113	First Arkansas BancShares Inc. Jacksonville	1.13	3,943	3,477	2.42
	First Western Mortgage Corp. Fort Worth, Texas	1.13	20,163	17,818	7.30
	Traditional Bancorp. Inc. Mount Sterling, Ky.	1.13	3,857	3,423	1.44
	Ames National Corp. Iowa	1.13	3,712	3,295	1.23
117	General Electric Capital Corp. Norwalk, Conn.	1.12	1,812,734	1,625,706	1.35
	Northern Bancorp Inc. Woburn, Mass.	1.12	3,277	2,939	1.34
119	First Financial Bankshares Inc. Abilene, Texas	1.11	19,562	17,576	1.58
	Starion Bancorp. Bismarck, N.D.	1.11	4,419	3,974	1.76
	Dime Community Bancshares Inc. Brooklyn, N.Y.	1.11	10,631	9,565	1.07
	United Services Automobile Association San Antonio	1.11	1,036,814	933,891	3.43
	NEB Corp. Fond Du Lac, Wis.	1.11	4,750	4,279	1.29
	Lakeland Financial Corp. Warsaw, Ind.	1.11	9,769	8,802	1.30
	Wood & Huston Bancorp. Inc. Marshall, Mo.	1.11	2,397	2,167	1.76
126	Hills Bancorp. Iowa	1.10	6,624	6,040	1.27
	First Financial Banc Corp. El Dorado, Ark.	1.10	5,000	4,565	2.37
128	West Bancorp. Inc. West Des Moines, Iowa	1.09	4,363	4,007	1.19
129	City Holding Co. Charleston, W.Va.	1.08	13,976	12,902	1.65
	Fremont Bancorp. Calif.	1.08	19,093	17,681	3.11
	Planters Financial Group Inc. Clarksville, Tenn.	1.08	2,758	2,555	1.44
	SBC Inc. Countryside, Ill.	1.08	1,816	1,684	1.26
133	U.S. Bancorp Minneapolis	1.07	1,468,000	1,366,000	1.67
	Amboy Bancorp. Old Bridge, N.J.	1.07	4,824	4,491	0.88
	New Hampshire Mutual Bancorp Manchester	1.07	6,484	6,064	1.92
	Franklin Financial Corp. Glen Allen, Va.	1.07	2,660	2,493	1.01
137	Citizens & Northern Corp. Wellsboro, Pa.	1.06	4,689	4,412	1.53
138	Premier Financial Bancorp Inc. Huntington, W.Va.	1.05	3,926	3,741	1.42
	RBB Bancorp Los Angeles	1.05	2,583	2,462	1.42
	Whitcorp Financial Co. Leoti, Kan.	1.05	2,514	2,399	1.47
	Merchants Bancorp, Inc. Hillsboro, Ohio	1.05	1,817	1,735	1.28
142	Montecito Bancorp Santa Barbara, Calif.	1.04	4,802	4,604	1.77
	International Bancshares Corp. Laredo, Texas	1.04	31,826	30,626	1.08
144	Hanmi Financial Corp. Los Angeles	1.03	10,251	9,925	1.46
	American International Group Inc. New York	1.03	2,170,000	2,107,000	1.61
146	Liberty Bancshares Inc. Springfield, Mo.	1.02	4,212	4,117	1.58
	Neighbor Insurance Agency Inc. Marion, Iowa	1.02	2,477	2,423	1.58
	FirstBank Holding Co. Lakewood, Colo.	1.02	42,087	41,256	1.30
	Norwood Financial Corp. Honesdale, Pa.	1.02	2,137	2,103	1.23
150	Southern Utah Bancorp. Cedar City, Utah	1.01	2,548	2,513	1.35
	Farmers and Merchants Bankshares Inc. Stuttgart, Ark.	1.01	2,471	2,440	1.46
	United Community Bancorp Inc. Chatham, Ill.	1.01	3,996	3,961	1.28
	Independence Bancshares Inc. Owensboro, Ky.	1.01	4,682	4,655	1.42
154	Southern Missouri Bancorp Inc. Poplar Bluff,	1.00	2,563	2,552	1.27
	Ironhorse Financial Group Inc. Muskogee, Okla.	1.00	5,862	5,839	2.25
	Legend Bancorp Inc. Bowie, Texas	1.00	2,560	2,556	1.79
	ConnectOne Bancorp Inc. Englewood Cliffs, N.J.	1.00	2,587	2,583	0.96
	215 Holding Co. Minneapolis	1.00	2,694	2,698	1.62
	Middlefield Banc Corp. Ohio	1.00	1,872	1,881	1.14
160	Heritage Bancorp Reno, Nev.	0.99	1,512	1,529	1.16
	LegacyTexas Group Inc. Plano	0.99	7,759	7,858	1.85
	Financial Corp. of Louisiana Crowley, La.	0.99	2,608	2,643	1.68
163	Western Alliance Bancorp. Phoenix	0.98	28,192	28,688	1.31
	1st Summit Bancorp of Johnstown Inc. Johnstown, Pa.	0.98	2,293	2,334	1.08
165	Citco Community Bancshares Inc. Elizabethton, Tenn.	0.96	2,058	2,139	1.34
	United Bankshares Inc. Charleston, W.Va.	0.96	22,170	23,111	1.05
	Midland Financial Corp. Casper, Wyo.	0.96	2,296	2,395	1.40
	Planters Holding Co. Indianola, Miss.	0.96	2,118	2,214	1.13
	Community Trust Bancorp Inc. Pikeville, Ky.	0.96	12,653	13,248	1.39
170	American National Bankshares Inc. Danville, Va.	0.95	4,243	4,466	1.30
	First National Bancshares Inc. East Lansing, Mich.	0.95	3,015	3,179	1.77
	Glacier Bancorp Inc. Kalispell, Mont.	0.95	25,628	27,073	1.28
	Paragon Commercial Corp. Raleigh, N.C.	0.95	2,186	2,312	0.87
174	Texas Capital Bancshares Inc. Dallas	0.94	33,477	35,441	1.26
	Paducah Bank Shares Inc. Ky.	0.94	2,256	2,412	1.70
	First Bancorp Inc. Damariscotta, Maine	0.94	3,365	3,598	0.94
177	Ouachita Bancshares Corp. Monroe, La.	0.93	2,871	3,079	1.78
178	Customers Bancorp Inc. Wyomissing, Pa.	0.92	8,268	8,963	0.91
	Capital One Financial Corp. McLean, Va.	0.92	1,116,420	1,210,825	1.51
	Honat Bancorp Inc. Honesdale, Pa.	0.92	1,736	1,885	1.21
	County Bancorp Inc. Manitowoc, Wis.	0.92	2,282	2,482	1.24
	First Farmers Financial Corp. Converse, Ind.	0.92	3,999	4,368	1.40
183	Community Bankers Inc. Fort Worth, Texas	0.91	2,150	2,363	1.53
	Central Community Corp. Temple, Texas	0.91	4,332	4,764	1.35
	ESB Financial Corp. Ellwood City, Pa.	0.91	3,971	4,373	0.83
	Commercial Holding Co. Paris, Tenn.	0.91	2,395	2,639	1.49
	Bank of Kentucky Financial Corp. Crestview Hills, Ky.	0.91	5,415	5,969	1.22
188	NorthWest Indiana Bancorp Munster, Ind.	0.90	2,377	2,628	1.37
	Leackco Bank Holding Co. Inc. Wolsey, S.D.	0.90	1,843	2,046	1.32
	Bank of Highland Park Financial Corp. Ill.	0.90	2,093	2,334	0.81
	AFNB Holdings Inc. Houston	0.90	2,994	3,339	1.31
192	North American Bancshares Inc. Sherman, Texas	0.89	5,791	6,473	1.14
	First Bancorp Inc. Lebanon, Va.	0.89	4,076	4,576	1.27
	Bancorp of New Jersey Inc. Fort Lee	0.89	1,225	1,376	0.83
	CNB Financial Corp. Clearfield, Pa.	0.89	4,703	5,288	1.03
	First of Long Island Corp. Glen Head, N.Y.	0.89	5,179	5,837	0.91
197	American Express Co. New York	0.88	1,366,000	1,544,000	3.62
	Hometown Banc Corp Grand Island, Neb.	0.88	3,131	3,543	1.13
	Fifth Third Bancorp Cincinnati	0.88	420,933	476,426	1.37
	American National Corp. Omaha, Neb.	0.88	8,882	10,101	1.42

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 6, 2014.

Source:

SNL Financial