Banks and Thrifts with Highest Noninterest Income Ratios

August 31, 2009, 1:32 p.m. EDT 1 Min Read

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Banks and Thrifts with Highest Noninterest Income RatiosOn March 31, 2009. Dollars in thousands Published September 1, 2009
Rank	Company	Parent name	Type of institution	Income			Year earlier noninterest income	Assets
Rank	Company	Parent name	Type of institution	Noninterest	Total net	Ratio	Year earlier noninterest income	Assets
1	Rainier Pacific Financial Group Inc. Tacoma	none	bank	$5,391	$2,500	215.64	$2,559	$858,383
2	Advanta Bank Corp Draper, Utah	Advanta Corp.	bank	26,694	24,971	106.90	115,965	2,961,791
3	Brown Brothers Harriman Trust Co. New York	none	bank	4,027	3,888	103.58	5,211	12,071
4	CIT Group Inc. New York	none	bank	824,531	806,382	102.25	NA	75,652,977
5	Depository Trust Co. New York	Depository Trust and Clearing Corp.	bank	79,116	77,683	101.84	78,851	3,115,753
6	Fidelity Management Trust Co. Boston	FMR LLC	bank	46,521	46,210	100.67	48,581	100,153
7	Pyramis Global Advisors Trust Co. Merrimack, N.H.	FMR LLC	bank	68,878	68,490	100.57	NA	177,605
8	Wellington Trust Co. Boston	Wellington Management Co. LLP	bank	35,844	35,770	100.21	62,883	54,545
9	General Motors Trust New York	none	bank	41,985	41,985	100.00	49,270	69,920
	Putnam Fiduciary Trust Co. Boston	Power Corp. of Canada Group	foreign	7,093	7,093	100.00	66,810	15,680
11	CU Bank Shares Inc. Dallas	none	bank	31,401	31,421	99.94	29,546	1,366,606
12	Credit First NA Brook Park, Ohio	none	bank	7,283	7,289	99.92	6,717	15,332
13	Franklin Resources Inc. San Mateo, Calif.	none	bank	853,966	854,776	99.91	1,493,900	8,793,821
14	Unified Trust Co. Lexington, Ky.	none	bank	2,955	2,960	99.83	3,488	6,141
15	Barclays Global Investors San Francisco	Barclays PLC	foreign	432,834	433,807	99.78	686,490	1,484,057
16	Credit One Bank Las Vegas	Sherman Capital LLC	bank	35,011	35,090	99.77	59,933	103,361
17	Boston Trust and Investment Management Co.	none	bank	4,433	4,444	99.75	5,035	39,716
18	Legg Mason Investment Counsel and Trust Co. Baltimore	Legg Mason Inc.	bank	10,880	10,914	99.69	14,153	89,752
19	Edward Jones Trust Co. St. Louis	Jones Financial Cos. LLLP	thrift	3,692	3,704	99.68	3,849	35,952
20	FDS Bank Mason, Ohio	Macy's Inc.	thrift	123,001	123,414	99.67	155,254	74,602
21	Glenmede Trust Co. Philadelphia	Glenmede Corp.	bank	19,310	19,388	99.60	25,043	45,356
22	Spirit of America National Bank Milford, Ohio	none	bank	5,123	5,144	99.59	5,909	40,595
23	Target National Bank Sioux Falls, S.D.	Target Corp.	bank	114,639	115,128	99.58	109,874	132,089
24	Talbots Classics National Bank Lincoln, R.I.	none	bank	1,147	1,152	99.57	1,626	9,786
25	Raymond James Trust St. Petersburg, Fla.	none	bank	1,771	1,779	99.55	1,336	8,849
26	Vanguard National Trust Co. Malvern, Pa.	none	bank	12,099	12,168	99.43	13,106	37,989
27	Invesco National Trust Co. Atlanta	Invesco Ltd.	bank	18,750	18,861	99.41	24,654	138,723
28	First Electronic Bank Sandy, Utah	Fry's Electronics	bank	1,667	1,677	99.40	1,673	17,922
29	Union Bank Gilbert, Ariz.	Heartland Bancshares Inc.	bank	804	809	99.38	89	128,563
30	Goldman Sachs Trust Co. New York	none	bank	4,816	4,849	99.32	7,861	32,612
31	Computershare Trust Co. Canton, Mass.	Computershare Ltd.	foreign	2,228	2,256	98.76	2,600	20,998
32	New Covenant Trust Co. Jeffersonville, Ind.	Presbyterian Church USA Foundation	bank	1,881	1,908	98.58	2,874	5,778
33	InvesTrust Oklahoma City	Cameron Associates Inc.	bank	454	461	98.48	583	2,771
34	Northwestern Mutual Wealth Management Co. Milwaukee	Northwestern Mutual Life Insurance Co.	thrift	24,773	25,172	98.41	27,477	42,373
35	National Independent Trust Co. Ruston, La.	none	bank	1,352	1,380	97.97	1,569	5,166
36	TIAA-CREF Trust Co. FSB St. Louis	TIAA Board of Overseers	thrift	5,959	6,094	97.78	6,226	18,537
37	SEI Private Trust Co. Oaks, Pa.	SEI Investments Co.	thrift	31,336	32,099	97.62	39,503	92,104
38	Cedar Hill National Bank Lawrenceville, Ga.	none	bank	936	959	97.60	983	10,750
39	Trust Co. of Virginia Richmond	TCV Financial Corp.	thrift	1,498	1,537	97.46	1,695	5,200
40	Congress Trust Boston	Lagan Holding Co.	bank	292	300	97.33	315	2,184
41	Capital Bank and Trust Co. FSB Irvine, Calif.	Capital Group Cos. Inc.	thrift	38,230	39,295	97.29	32,577	156,510
42	Sumitomo Trust and Banking Co. USA Hoboken, N.J.	Sumitomo Trust and Banking Co. Ltd.	foreign	19,353	19,922	97.14	27,822	623,798
43	Fidelity Personal Trust Co. FSB Boston	FMR LLC	thrift	6,238	6,424	97.10	5,380	27,155
44	ING National Trust Minneapolis	ING Group NV	foreign	821	847	96.93	823	5,934
45	National Advisors Trust Co. FSB Overland Park, Kan.	National Advisors Holdings Inc.	thrift	971	1,003	96.81	1,061	4,796
46	Trust Co. of Toledo Holland, Ohio	none	bank	877	907	96.69	1,094	3,399
47	Family Capital Trust Co. Boston	none	bank	466	482	96.68	620	4,882
48	Guardian Trust Co. FSB New York	Guardian Life Insurance Co. of America	thrift	1,122	1,161	96.64	1,651	7,468
49	Stifel Financial Corp. St. Louis	none	bank	212,734	220,276	96.58	203,553	2,014,698
50	Legacy Trust Co. Houston	none	bank	1,839	1,910	96.28	2,522	12,260
51	Morgan Stanley New York	none	bank	3,026,000	3,152,000	96.00	NA	626,023,000
52	MMA Trust Co. Goshen, Ind.	Mennonite Mutual Aid Association	thrift	703	733	95.91	717	4,083
53	Davidson Trust Co. Great Falls, Mont.	Davidson Cos.	thrift	938	980	95.71	1,132	4,986
54	Private Trust Co. Cleveland	LPL Investment Holdings Inc.	bank	1,420	1,484	95.69	1,430	15,406
55	Independence Trust Co. Franklin, Tenn.	Independence Holding Corp.	thrift	352	368	95.65	360	3,188
56	Lehman Brothers Trust Co. New York	Lehman Brothers Holdings Inc.	bank	3,736	3,910	95.55	9,862	45,268
57	Haverford Trust Co. Radnor, Pa.	none	bank	3,636	3,810	95.43	4,661	106,892
58	COUNTRY Trust Bank Bloomington, Ill.	Illinois Agricultural Association	thrift	4,593	4,859	94.53	5,096	28,490
59	Security National Trust Co. Wheeling, W.Va.	HB&W Inc.	bank	542	574	94.43	543	3,229
60	Mitsubishi UFJ Trust and Banking Corp. USA New York	Mitsubishi UFJ Financial Group Inc.	foreign	10,837	11,514	94.12	15,461	280,299
61	Deutsche Bank Trust Co. New York	Deutsche Bank	foreign	11,523	12,246	94.10	18,885	156,543
62	Philadelphia Trust Co.	none	bank	1,340	1,439	93.12	1,724	19,409
63	Bessemer Group Inc. Woodbridge, N.J.	none	bank	59,687	64,219	92.94	71,831	1,802,541
64	Seattle Bank	Seattle Financial Group Inc.	bank	8,621	9,290	92.80	5,405	775,454
65	AMG National Trust Bank Englewood, Colo.	AMG National Corp.	bank	3,945	4,283	92.11	4,857	125,668
66	World Financial Network National Bank Columbus, Ohio	Alliance Data Systems Corp.	bank	164,259	178,555	91.99	189,649	1,552,503
67	Celtic Bank Salt Lake City	Celtic Investment Inc.	bank	12,847	14,013	91.68	920	214,475
68	Nordstrom FSB Scottsdale, Ariz.	Nordstrom Inc.	thrift	39,904	43,542	91.64	39,578	174,341
69	World's Foremost Bank Sidney, Neb.	none	bank	56,771	62,174	91.31	60,817	843,720
70	First Community Trust Dubuque, Iowa	none	bank	396	434	91.24	461	4,406
71	Mizuho Trust and Banking Co. USA New York	Mizuho Financial Group Inc.	foreign	5,666	6,230	90.95	9,996	347,559
72	Transportation Alliance Bank Inc. Ogden, Utah	Flying J Inc.	bank	14,098	15,628	90.21	15,257	516,601
73	DSRM National Bank Albuquerque	none	bank	169	188	89.89	182	3,346
74	Platinum Community Bank Rolling Meadows, Ill.	Platinum Bancshares Inc.	thrift	4,414	4,930	89.53	315	120,132
75	American Home Bank Chicago	American Home Mortgage Holdings Inc.	thrift	1,205	1,351	89.19	-1,735	100,159
76	UBS Trust Co. Wilmington, Del.	UBS AG	foreign	1,396	1,570	88.92	1,778	109,577
77	TriCentury Bank Simpson, Kan.	Astra Financial Corp.	bank	370	417	88.73	605	3,308
78	King Trust Co. Spring Arbor, Mich.	Free Methodist Foundation	bank	196	221	88.69	194	2,321
79	Applied Bank Wilmington, Del.	none	bank	4,992	5,794	86.16	10,735	230,142
80	Wheaton College Trust Co. Ill.	none	bank	118	137	86.13	153	3,207
81	Securian Trust Co. St. Paul	Minnesota Mutual Cos. Inc.	bank	563	664	84.79	652	11,324
82	Advanta Bank Wilmington, Del.	Advanta Corp.	bank	447	532	84.02	-10	49,287
83	First Community Bancshares Inc. Killeen, Texas	none	bank	44,086	52,671	83.70	39,635	1,079,912
84	OneWest Bank FSB Pasadena, Calif.	IMB Management Holdings LP	thrift	164,821	198,281	83.12	NA	16,182,476
85	Bank of New York Mellon Corp.	none	bank	2,433,000	2,930,000	83.04	3,051,000	203,883,000
86	Gateway Business Bank Cerritos, Calif.	Gateway Bancorp	bank	8,397	10,113	83.03	5,104	238,810
87	MetaBank Storm Lake, Iowa	Meta Financial Group Inc.	thrift	34,666	41,973	82.59	11,871	889,872
88	Business Bank Minnetonka, Minn.	Business Bancorp. Inc.	bank	6,527	7,987	81.72	3,544	157,495
89	Woodforest Financial Group Inc. The Woodlands, Texas	none	bank	96,724	119,036	81.26	77,027	3,299,911
90	United National Corp. Sioux Falls, S.D.	none	bank	173,102	214,419	80.73	157,672	1,434,992
91	Fort Sill National Bank Okla.	J. R. Montgomery Bancorp.	bank	11,431	14,364	79.58	10,007	308,998
92	Goldman Sachs Group Inc. New York	none	bank	7,391,000	9,304,000	79.44	NA	925,987,000
93	Oakwood State Bank Texas	none	bank	69	87	79.31	313	3,437
94	Trust Co. San Antonio	TTC Holdings Inc.	bank	1,014	1,296	78.24	1,160	44,160
95	FSB Bancorp Inc. Altus, Okla.	none	bank	2,688	3,481	77.22	NA	125,399
96	MassMutual Trust Co. FSB Enfield, Conn.	Massachusetts Mutual Life Insurance Co.	thrift	1,018	1,333	76.37	1,305	15,655
97	MetLife Inc. New York	none	bank	7,591,959	9,945,785	76.33	8,841,876	491,406,527
98	University Bank Ann Arbor, Mich.	University Bancorp Inc.	bank	3,859	5,064	76.20	1,410	149,497
99	Cortland Bancorp Cortland, Ohio	none	bank	813	1,072	75.84	798	493,400
100	American Express Co. New York	none	bank	4,473,402	5,925,317	75.50	NA	120,164,228
101	Ameri-National Corp. Overland Park, Kan.	none	bank	13,187	17,469	75.49	6,826	922,258
102	Nationwide Bank Columbus, Ohio	Nationwide Mutual Group	thrift	50,313	67,638	74.39	66,503	2,458,047
103	Republic Bancorp Co. Oak Brook, Ill.	none	bank	26,340	35,505	74.19	624	1,180,568
104	Community Bankers Trust Corp. Glen Allen, Va.	none	bank	22,777	31,146	73.13	NA	1,368,472
105	Live Oak Banking Co. Wilmington, N.C.	Live Oak Bancshares Inc.	bank	878	1,204	72.92	NA	111,378
106	Access National Corp. Reston, Va.	none	bank	15,160	20,903	72.53	8,441	755,235
107	Bankers' Bank Madison, Wis.	Bankers' Bancorp. Inc.	bank	6,532	9,051	72.17	6,020	349,159
108	Cenlar FSB Trenton, N.J.	Cenlar Capital Corp.	thrift	9,134	12,701	71.92	8,190	572,430
109	Independence Bank East Greenwich, R.I.	none	bank	849	1,185	71.65	134	84,048
110	Great Southern Bancorp Inc. Springfield, Mo.	none	bank	34,894	48,721	71.62	10,004	3,409,680
111	State Street Corp. Boston	none	bank	1,424,013	2,004,025	71.06	1,961,428	144,857,705
112	Delta National Bank and Trust Co. New York	Delta Investment Co. Cayman	foreign	3,208	4,515	71.05	4,799	303,380
113	First American Trust FSB Santa Ana, Calif.	First American Corp.	thrift	5,280	7,446	70.91	4,568	1,189,760
114	Bankers' Bancorp Inc. Springfield, Ill.	none	bank	2,604	3,730	69.81	3,152	670,885
115	Eaglemark Savings Bank Carson City, Nev.	Harley-Davidson Inc.	bank	2,903	4,164	69.72	3,232	36,264
116	Bankers Bank Northeast Glastonbury, Conn.	none	bank	2,246	3,223	69.69	1,378	131,767
117	OptumHealth Bank Inc. Salt Lake City	UnitedHealth Group Inc.	bank	17,262	24,918	69.28	14,747	1,054,206
118	Centennial Bank Centennial, Colo.	Tbank Inc.	bank	216	313	69.01	314	48,445
119	Northern Trust Corp. Chicago	none	bank	615,720	893,574	68.91	874,849	78,464,586
120	Pedcor Capital LLC Carmel, Ind.	none	bank	3,037	4,416	68.77	4,492	387,858
121	Valley Capital Bank Mesa, Ariz.	none	bank	233	339	68.73	615	43,283
122	Merchants Bank of California Carson	none	bank	1,703	2,482	68.61	1,975	88,472
123	Independent Bankers Financial Corp. Irving, Texas	none	bank	25,325	37,309	67.88	33,943	2,935,242
124	First State Bank Mendota, Ill.	Tri-County Financial Group Inc.	bank	7,913	11,729	67.47	3,432	451,264
125	First National Bank Hays, Kan.	Kansas Pacific Investments LLC	bank	1,706	2,539	67.19	10,111	89,792
126	Soy Capital Bank and Trust Co. Decatur, Ill.	SCB Bancorp Inc.	bank	5,565	8,288	67.15	4,972	387,399
127	Briscoe Ranch Inc. Uvalde, Texas	none	bank	8,150	12,259	66.48	NA	623,862
128	First Horizon National Corp. Memphis	none	bank	389,352	585,933	66.45	379,581	31,208,975
129	City National Bank and Trust Co. of Lawton, Okla.	J. R. Montgomery Bancorp.	bank	4,911	7,416	66.22	4,697	276,520
130	Midwest Independent Bancshares Inc. Jefferson City, Mo.	none	bank	6,328	9,610	65.85	NA	374,747
131	Plains Capital Corp. Dallas	none	bank	70,252	106,884	65.73	27,181	4,148,603
132	First Federal Savings Bank of Boston	First Eastern Bankshares Corp.	thrift	3,595	5,473	65.69	726	77,181
133	Dickinson Financial Corp. II Kansas City, Mo.	none	bank	43,675	67,458	64.74	41,699	5,930,294
134	Pierce County Bancorp Tacoma	none	bank	3,758	5,826	64.50	3,794	279,982
135	HSBC North America Holdings Inc. Mettawa, Ill.	HSBC Holdings PLC	foreign	5,816,859	9,059,290	64.21	2,197,308	401,824,818
136	Excel National Bank Beverly Hills	none	bank	1,875	2,940	63.78	2,816	197,668
137	First Investors Federal Savings Bank Edison, N.J.	First Investors Consolidated Corp	thrift	729	1,146	63.61	821	51,348
138	Pacific Coast Bankers' Bancshares San Francisco	none	bank	9,567	15,100	63.36	10,759	637,099
139	Bankers' Bank of Kentucky Inc. Frankfort	Independent Community Bancorp Inc.	bank	994	1,573	63.19	1,140	59,328
140	Eagle National Bank Upper Darby, Pa.	Eagle National Bancorp Inc.	bank	2,942	4,659	63.15	1,328	276,682
141	Monarch Financial Holdings Inc. Chesapeake, Va.	none	bank	7,842	12,430	63.09	NA	634,514
142	Innovative Bank Oakland, Calif.	Innovative Bancorp	bank	1,487	2,384	62.37	2,637	290,963
143	Merchants Bank of Indiana Lynn	P/R Bancorp	bank	1,579	2,544	62.07	761	242,545
144	Wyoming Bank and Trust Cheyenne	Farmers State Bankshares Inc.	bank	1,383	2,242	61.69	1,395	93,932
145	Banker's Bank of Kansas Wichita	BBOK Bancshares Inc.	bank	1,862	3,034	61.37	2,237	119,511
146	Florida Capital Group Inc. Jacksonville	none	bank	6,317	10,324	61.19	2,122	1,043,883
147	Bankers Bank Oklahoma City	Bankers Bancorp of Oklahoma Inc.	bank	2,262	3,730	60.64	2,234	170,984
148	Tolleson Wealth Management Inc. Dallas	none	bank	2,877	4,775	60.25	3,326	312,127
149	Leader Bank Arlington, Mass.	Leader Bancorp Inc.	bank	2,532	4,221	59.99	603	295,415
150	Benchmark Bank Plano, Texas	Quinlan Bancshares Inc.	bank	2,831	4,742	59.70	437	228,231

Notes: Data based on regulatory filings for top tier consolidated bank holding companies, commercial banks, banks and savings institutions. Firms with negative total revenue were excluded. Figures for prior periods are not adjusted for mergers and acquisitions. Rankings include only companies current as of July 21, 2009.

Source:

SNL Financial

, Charlottesville, Va.