Banks and Thrifts with the Highest Noninterest Income Ratios

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Banks and Thrifts with the Highest Noninterest Income Ratios

Banks and Thrifts with the Highest Noninterest Income RatiosOn Sept. 30, 2009. Dollars in thousands
Published January 28, 2010

Rank   Parent name Type of institution Noninterest
income
Total revenue Ratio Year earlier
noninterest income
Assets
1 National Penn Bancshares Inc. Boyertown, Pa. none bank $21,431 $1,062 2,017.98% $36,574 $9,740,310
2 Aurora Bank FSB Wilmington, Del. Lehman Brothers Holdings Inc. thrift 12,432 3,815 325.87 -414,926 4,779,801
3 First Financial Bank Bessemer, Ala. FirstFed Bancorp Inc. bank 687 278 247.12 852 220,907
4 Bank 21 Carrollton, Mo. Knott Holding Co. Inc. bank 1,414 737 191.86 145 55,423
5 CIT Group Inc. New York none bank 394,742 257,700 153.18 NA 69,188,609
6 Woodlands Commercial Bank Salt Lake City Lehman Brothers Holdings Inc. bank 45,910 33,232 138.15 -218,219 3,542,900
7 Kent Bank Ill. High Point Financial Services Inc. bank 173 128 135.16 78 92,130
8 CU Bank Shares Inc. Dallas none bank 32,301 25,236 128.00 33,757 1,061,853
9 Republic Bancorp Co. Oak Brook, Ill. none bank 6,392 5,118 124.89 467 1,271,888
10 City Bank Lynnwood, Wash. none bank 701 617 113.61 1,145 1,219,356
11 Wellington State Bank Texas WSB Bancshares Inc. bank 268 246 108.94 241 152,849
12 Depository Trust Co. New York Depository Trust and Clearing Corp. bank 78,462 74,174 105.78 81,290 3,555,468
13 TriCentury Bank Simpson, Kan. Astra Financial Corp. bank 335 322 104.04 433 3,472
14 Fidelity Management Trust Co. Boston FMR LLC bank 48,937 48,592 100.71 50,457 112,129
15 Pyramis Global Advisors Trust Co. Merrimack, N.H. FMR LLC bank 86,841 86,432 100.47 109,454 148,846
16 Wellington Trust Co.. Boston Wellington Management Co. LLP bank 46,949 46,868 100.17 61,659 56,828
17 Boston Trust and Investment Management Co. none bank 5,374 5,372 100.04 5,445 41,661
18 ICE Trust U.S. LLC New York IntercontinentalExchange Inc. bank 14,044 14,044 100.00 NA 5,565,426
19 Promark Trust Bank New York none bank 42,766 42,769 99.99 38,256 70,106
20 Vanguard National Trust Co. Malvern, Pa. none bank 14,381 14,392 99.92 13,817 44,201
21 Credit First Brook Park, Ohio none bank 8,195 8,204 99.89 7,416 17,372
22 Unified Trust Co. Lexington, Ky. none bank 3,491 3,495 99.89 3,594 7,211
23 Blackrock Institutional Trust Co. San Francisco BlackRock Inc. bank 567,083 567,972 99.84 601,019 1,980,115
24 Credit One Bank Las Vegas Sherman Capital LLC bank 30,147 30,215 99.77 44,181 102,205
25 Talbots Classics National Bank Lincoln, R.I. none bank 1,273 1,276 99.76 1,551 12,361
26 Glenmede Trust Co. Philadelphia Glenmede Corp. bank 21,396 21,458 99.71 23,930 55,732
27 FDS Bank Mason, Ohio Macy's Inc. thrift 119,641 120,029 99.68 131,245 88,021
28 Goldman Sachs Trust Co. New York none bank 5,843 5,862 99.68 8,573 31,623
29 Edward Jones Trust Co. St. Louis Jones Financial Cos. LLLP thrift 3,772 3,785 99.66 3,566 35,116
30 Invesco National Trust Co. Atlanta Invesco Ltd. bank 20,711 20,783 99.65 22,076 142,279
31 Raymond James Trust St. Petersburg, Fla. none bank 2,406 2,415 99.63 2,989 9,739
32 InvesTrust Oklahoma City Cameron Associates Inc. bank 460 462 99.57 579 2,878
33 Legg Mason Investment Counsel and Trust Co. Baltimore Legg Mason Inc. bank 12,036 12,090 99.55 13,090 84,076
34 First Electronic Bank Sandy, Utah Fry's Electronics bank 1,794 1,805 99.39 1,851 16,068
35 Target National Bank Sioux Falls, S.D. Target Corp. bank 104,114 104,817 99.33 110,058 120,308
36 National Independent Trust Co. Ruston, La. none bank 1,460 1,470 99.32 1,551 5,022
37 Brown Brothers Harriman Trust Co.. New York none bank 4,126 4,158 99.23 4,724 12,816
38 New Covenant Trust Co. Jeffersonville, Ind. Presbyterian Church USA Foundation bank 2,301 2,329 98.80 2,466 5,572
39 American Bank Inc. Allentown, Pa. none bank 208 211 98.58 222 478,799
40 Northwestern Mutual Wealth Management Co. Milwaukee Northwestern Mutual Life Insurance Co. thrift 27,812 28,230 98.52 29,865 46,013
41 Family Capital Trust Co. Boston none bank 513 521 98.46 684 5,152
42 Cedar Hill National Bank Charlotte none bank 934 949 98.42 983 10,389
43 1st Commonwealth Bank of Virginia Arlington none thrift 180 183 98.36 NA 49,591
44 Computershare Trust Co. Canton, Mass. Computershare Ltd. foreign bank 2,249 2,289 98.25 2,520 20,560
45 TIAA-CREF Trust Co. FSB St. Louis TIAA Board of Overseers thrift 7,242 7,373 98.22 6,347 20,221
46 Franklin Resources Inc. San Mateo, Calif. none bank 1,342,592 1,368,528 98.10 1,278,342 9,432,140
47 Trust Co. of Virginia Richmond TCV Financial Corp. thrift 1,663 1,696 98.05 1,697 5,446
48 Fidelity Personal Trust Co. FSB Boston FMR LLC thrift 7,529 7,680 98.03 8,074 32,558
49 SEI Private Trust Co. Oaks, Pa. SEI Investments Co. thrift 32,583 33,241 98.02 40,845 95,453
50 Trust Co. of Toledo Holland, Ohio none bank 1,054 1,078 97.77 1,067 3,834
51 National Advisors Trust Co. FSB Overland Park, Kan. National Advisors Holdings Inc. thrift 1,006 1,029 97.76 975 5,030
52 Sumitomo Trust and Banking Co. USA Hoboken, N.J. Sumitomo Trust and Banking Co. Ltd. foreign bank 17,765 18,174 97.75 24,846 1,041,473
53 ING National Trust Minneapolis ING Groep NV foreign bank 926 949 97.58 877 5,867
54 Capital Bank and Trust Co. FSB Irvine, Calif. Capital Group Cos. Inc. thrift 37,343 38,285 97.54 33,687 142,085
55 Oakwood State Bank Texas none bank 34 35 97.14 266 3,197
56 Stifel Financial Corp. St. Louis none bank 281,284 289,683 97.10 211,042 2,890,795
57 Lehman Brothers Trust Co. New York Lehman Brothers Holdings Inc. bank 4,750 4,893 97.08 7,814 47,495
58 Central Bancorp Inc. Garland, Texas none bank 288,434 297,171 97.06 4,185 2,727,660
59 GMAC Inc. Detroit none bank 2,261,000 2,332,000 96.96 NA 178,257,000
60 Davidson Trust Co. Great Falls, Mont. Davidson Cos. thrift 1,014 1,046 96.94 1,076 5,067
61 Legacy Trust Co. Houston none bank 2,080 2,146 96.92 2,128 12,822
62 Guardian Trust Co. FSB New York Guardian Life Insurance Co. of America thrift 1,166 1,204 96.84 1,461 7,079
63 MMA Trust Co. Goshen, Ind. Mennonite Mutual Aid Association thrift 879 908 96.81 718 4,212
64 NexBank SSB Dallas NexBank Capital Inc. bank 2,136 2,220 96.22 482 568,880
65 Private Trust Co.. Cleveland LPL Investment Holdings Inc. bank 1,236 1,289 95.89 1,316 15,071
66 Independence Trust Co. Franklin, Tenn. Independence Holding Corp. thrift 370 386 95.85 405 3,344
67 Security National Trust Co. Wheeling, W.Va. HB&W Inc. bank 640 668 95.81 577 3,655
68 Deutsche Bank Trust Co. New York Deutsche Bank foreign bank 10,845 11,323 95.78 14,610 144,973
69 Trust Industrial Bank Denver Fiserv Inc. bank 8,996 9,401 95.69 9,918 797,740
70 COUNTRY Trust Bank Bloomington, Ill. Illinois Agricultural Association thrift 5,288 5,536 95.52 5,236 28,611
71 Philadelphia Trust Co. Philadelphia none bank 1,589 1,673 94.98 1,620 19,702
72 Mitsubishi UFJ Trust and Banking Corp. USA New York Mitsubishi UFJ Financial Group Inc. foreign bank 10,668 11,262 94.73 10,929 239,650
73 Home Savings of America Little Falls, Minn. Home Savings Bancorp thrift 18,150 19,163 94.71 2,528 470,975
74 West Town Savings Bank Cicero, Ill. none bank 433 461 93.93 49 60,802
75 Morgan Stanley New York none bank 8,096,000 8,646,000 93.64 NA 769,503,000
76 Nordstrom FSB Scottsdale, Ariz. Nordstrom Inc. thrift 50,659 54,153 93.55 48,853 203,615
77 Mizuho Trust and Banking Co. USA New York Mizuho Financial Group Inc. foreign bank 5,847 6,274 93.19 8,175 254,425
78 Wheaton College Trust Co. Ill. none bank 160 172 93.02 143 3,239
79 First Community Trust Dubuque, Iowa none bank 470 508 92.52 467 4,655
80 Bessemer Group Inc. Woodbridge, N.J. none bank 73,304 79,302 92.44 68,336 1,652,263
81 First Financial Bancorp. Cincinnati none bank 394,886 432,341 91.34 10,478 7,259,902
82 UBS Trust Co. Wilmington, Del. UBS AG foreign bank 1,342 1,475 90.98 2,428 107,528
83 World Financial Network National Bank Columbus, Ohio Alliance Data Systems Corp. bank 144,878 160,701 90.15 161,655 1,713,421
84 Haverford Trust Co. Radnor, Pa. none bank 3,693 4,135 89.31 4,268 107,616
85 Gateway Business Bank Cerritos, Calif. Gateway Bancorp bank 8,733 9,813 88.99 6,190 238,214
86 MassMutual Trust Co. FSB Enfield, Conn. Massachusetts Mutual Life Insurance Co. thrift 1,131 1,271 88.99 1,352 16,002
87 DSRM National Bank Albuquerque none bank 141 159 88.68 170 3,393
88 Seattle Bank Seattle Financial Group Inc. bank 4,285 4,890 87.63 5,357 677,150
89 Live Oak Banking Co. Wilmington, N.C. Live Oak Bancshares Inc. bank 2,507 2,890 86.75 1,231 117,443
90 Goldman Sachs Group Inc. New York none bank 10,678,000 12,368,000 86.34 NA 882,586,000
91 World's Foremost Bank Sidney, Neb. none bank 70,232 81,565 86.11 65,825 830,771
92 First National Bank of Dozier Ala. First Dozier Bancshares Inc. bank 42 49 85.71 41 36,302
93 AMG National Trust Bank Englewood, Colo. AMG National Corp. bank 4,311 5,031 85.69 4,696 115,030
94 First Community Bancshares Inc. Killeen, Texas none bank 48,046 56,896 84.45 45,968 1,055,703
95 Securian Trust Co. St. Paul Minnesota Mutual Cos. Inc. bank 616 732 84.15 647 11,189
96 Cenlar FSB Trenton, N.J. Cenlar Capital Corp. thrift 17,837 21,281 83.82 9,150 592,995
97 Business Bank Minnetonka, Minn. Business Bancorp. Inc. bank 6,480 7,781 83.28 3,088 133,811
98 Central Bank and Trust Lander, Wyo. Central Trust Co. bank 8,855 10,664 83.04 158 145,924
99 Stearns Financial Services Inc. St. Cloud, Minn. none bank 67,766 82,699 81.94 2,318 1,584,767
100 Fort Sill National Bank Okla. J. R. Montgomery Bancorp. bank 13,324 16,513 80.69 11,576 347,650
101 Applied Bank Wilmington, Del. none bank 3,910 4,849 80.64 6,767 284,616
102 SBT Bancshares Inc. Dallas none bank 33,594 42,297 79.42 NA 656,245
103 United National Corp. Sioux Falls, S.D. none bank 164,341 207,919 79.04 143,398 1,667,743
104 American Express Co. New York none bank 4,723,300 6,016,263 78.51 NA 119,390,824
105 Flagstar Bank FSB Troy, Mich. MatlinPatterson LLC thrift 112,453 144,031 78.08 8,924 14,776,049
106 Ameri-National Corp. Overland Park, Kan. none bank 9,529 12,397 76.87 4,824 867,741
107 University Bank Ann Arbor, Mich. University Bancorp Inc. bank 3,591 4,696 76.47 2,035 125,574
108 BancMidwest Corp. St. Paul none bank 4,323 5,662 76.35 835 151,548
109 Banner County Bank Inc. Harrisburg, Neb. Banner County Ban Corp. bank 1,372 1,818 75.47 44 44,848
110 Nationwide Bank Columbus, Ohio Nationwide Mutual Group thrift 62,171 82,403 75.45 57,101 3,079,484
111 Louisville Community Development Bank Louisville Development Bancorp Inc. bank 559 745 75.03 687 32,555
112 OneWest Bank FSB Pasadena, Calif. IMB Management Holdings LP thrift 710,128 950,669 74.70 NA 18,705,773
113 Guaranty Bank MHC Milwaukee Guaranty Financial MHC thrift 32,009 42,976 74.48 52,698 1,366,152
114 Northern Trust Corp. Chicago none bank 682,964 917,668 74.42 689,258 77,926,946
115 Transportation Alliance Bank Inc. Ogden, Utah Flying J Inc. bank 12,993 17,598 73.83 15,168 531,973
116 First Security Bank-West Beulah N.D. Beulah Bancorp. Inc. bank 95 129 73.64 61 79,065
117 Wyoming Bank and Trust Cheyenne Farmers State Bankshares Inc. bank 2,252 3,084 73.02 2,241 96,410
118 Benchmark Bank Plano, Texas Quinlan Bancshares Inc. bank 6,151 8,449 72.80 1,927 323,847
119 Discover Financial Services Riverwoods, Ill. none bank 1,291,200 1,777,268 72.65 NA 43,814,993
120 Dickinson Financial Corp. II Kansas City, Mo. none bank 54,170 74,930 72.29 46,518 5,603,625
121 Bankers' Bank Madison, Wis. Bankers' Bancorp. Inc. bank 6,140 8,505 72.19 5,128 420,241
122 Pedcor Capital LLC Carmel, Ind. none bank 3,969 5,510 72.03 3,673 367,927
123 Bankers Bank Northeast Glastonbury, Conn. none bank 2,358 3,280 71.89 1,836 122,176
124 Delta National Bank and Trust Co. New York Delta Investment Co. (Cayman) foreign bank 3,544 4,932 71.86 4,674 434,250
125 Hanover Community Bank Garden City Park, N.Y. none bank 616 858 71.79 NA 71,916
126 Bank of England Ark. MHBC Investments Ltd. Partnership I LLLP bank 4,948 6,949 71.20 1,259 197,309
127 MetLife Inc. New York none bank 7,065,678 10,015,923 70.54 7,994,543 535,192,209
128 Wilmington Trust Corp. Del. none bank 104,968 149,122 70.39 106,222 11,167,993
129 Trust Co. San Antonio TTC Holdings Inc. bank 1,030 1,476 69.78 1,173 64,750
130 Advanta Bank Wilmington, Del. Advanta Corp. bank 132 192 68.75 622 21,813
131 First Investors Federal Savings Bank Edison, N.J. First Investors Consolidated Corp. thrift 690 1,006 68.59 666 46,420
132 Merchants Bank of California Carson none bank 1,801 2,629 68.51 2,035 69,034
133 Forethought Federal Savings Bank Batesville, Ind. Curragh Capital Partners II LP thrift 426 623 68.38 478 127,610
134 First Citizens Bancorp. Inc. Columbia, S.C. none bank 130,395 190,717 68.37 19,379 8,336,491
135 PlainsCapital Corp. Dallas none bank 85,885 126,474 67.91 31,470 4,676,303
136 Bankers' Bank of Kentucky Inc. Frankfort Independent Community Bancorp Inc. bank 1,042 1,539 67.71 977 59,373
137 First National Bank of Beardstown Beardstown, Ill. Mascouten Bancorp Inc. bank 1,795 2,652 67.68 135 85,034
138 First State Bank Mendota, Ill. Tri-County Financial Group Inc. bank 7,964 11,770 67.66 5,078 454,774
139 Sunwest Bank Tustin, Calif. Western Acquisitions LLLC bank 7,884 11,710 67.33 267 568,449
140 City National Bank and Trust Co. of Lawton Okla. J. R. Montgomery Bancorp. bank 5,326 7,919 67.26 5,362 265,041
141 Evolve Financial Group Inc. Cordova, Tenn. none bank 2,522 3,755 67.16 2,165 135,636
142 Centennial Bank Colo. Tbank Inc. bank 183 274 66.79 264 32,513
143 Great Southern Bancorp Inc. Springfield, Mo. none bank 52,411 78,537 66.73 5,733 3,728,239
144 Independence Bank East Greenwich, R.I. none bank 715 1,072 66.70 333 75,062
145 Scribner Bank Scribner, Neb. Scribner Banshares Inc. bank 1,042 1,564 66.62 1,298 58,691
146 Taunus Corp. New York Deutsche Bank foreign bank 2,524,000 3,805,000 66.33 -655,000 368,225,000
147 State Bank of Paw Paw Ill. NBE Bancshares Inc bank 1,588 2,394 66.33 27 49,382
148 HomeBanc Lake Mary, Fla. HomeBancorp Inc. bank 2,619 3,956 66.20 548 197,460
149 Century Security Bank Johns Creek, Ga. none bank 41 62 66.13 44 102,135
150 Delmar Bancorp Md. none bank 1,447 2,190 66.07 1,181 421,006
151 State Street Corp. Boston none bank 1,471,008 2,236,609 65.77 2,248,938 162,730,469
152 Iberiabank Corp. Lafayette, La. none bank 77,734 118,341 65.69 22,442 6,466,784
153 Independent Bankers Financial Corp. Irving, Texas none bank 20,883 31,867 65.53 21,683 2,394,709
154 First Colorado National Bank Paonia First Colorado Financial Corp. bank 705 1,080 65.28 569 48,813
155 Access National Corp. Reston, Va. none bank 10,923 16,834 64.89 5,576 695,203
156 Briscoe Ranch Inc. Uvalde, Texas none bank 8,468 13,061 64.83 11,105 662,520
157 Armed Forces Benefit Association Alexandria, Va. none bank 30,987 47,812 64.81 NA 539,037
158 Riverside Banking Co. Fort Pierce, Fla. none bank 20,691 31,937 64.79 -10,821 3,474,080
159 United Bank Corp. Barnesville, Ga. none bank 13,479 20,924 64.42 2,740 932,972
160 MidCountry Bank Marion, Ill. MidCountry Financial Corp. thrift 11,844 18,467 64.14 11,671 903,271
161 Wintrust Financial Corp. Lake Forest, Ill. none bank 153,543 240,794 63.77 20,995 12,136,021
162 First National Bank Hays, Kan. Kansas Pacific Investments LLC bank 1,480 2,325 63.66 1,520 89,047
163 First State Bank of Burlingame Kan. Burlingame Bankshares Inc. bank 691 1,094 63.16 83 37,429
164 Borrego Springs Bank La Mesa, Calif. American Heritage Holdings bank 2,197 3,503 62.72 1,030 110,294
165 First Valley Bank Seeley Lake, Mont. Forstrom Bancorp. Inc. bank 629 1,004 62.65 38 53,154
166 Great American Bank De Soto, Kan. First Financial Bancshares Inc. bank 592 945 62.65 27 52,507
167 Toyota Financial Savings Bank Henderson, Nev. Toyota Motor Corp. foreign bank 9,052 14,467 62.57 3,989 856,281
168 Harvard State Bank Ill. Harvard Bancshares Inc. bank 3,661 5,859 62.49 280 250,649
169 CoastalStates Bank Hilton Head Island, S.C. CoastalSouth Bancshares Inc. bank 3,626 5,810 62.41 2,458 464,896
170 Thunder Bank Sylvan Grove, Kan. Thunder Bancorp Inc. bank 415 670 61.94 184 38,201
171 Eaglemark Savings Bank Carson City, Nev. Harley-Davidson Inc. bank 2,402 3,890 61.75 3,700 31,602
172 Union Savings Bank Cincinnati U.S. Bancorp thrift 15,314 24,864 61.59 1,292 1,876,489
173 MetaBank Storm Lake, Iowa Meta Financial Group Inc. thrift 12,989 21,105 61.54 10,555 834,540
174 Monarch Financial Holdings Inc. Chesapeake, Va. none bank 8,815 14,350 61.43 NA 652,819
175 Community Bankshares Inc. Cornelia, Ga. none bank 5,556 9,053 61.37 6,823 1,437,397
176 Colonial Savings FA Fort Worth CICO Holding Corp. thrift 18,177 29,649 61.31 7,180 929,397
177 Excel National Bank Beverly Hills none bank 4,032 6,591 61.17 3,506 226,695
178 Stonegate Bank Fort Lauderdale, Fla. none bank 4,961 8,147 60.89 192 465,502
179 Citizens Bank and Trust Co. of Chicago Citizens Financial Corp. bank 906 1,488 60.89 802 80,641
180 Mizuho Corporate Bank of California Los Angeles Mizuho Financial Group Inc. foreign bank 625 1,039 60.15 781 371,465
181 OptumHealth Bank Inc. Salt Lake City UnitedHealth Group Inc. bank 12,711 21,151 60.10 11,116 1,166,069
182 First Choice Bank Lawrenceville, N.J. none bank 2,043 3,406 59.98 35 256,621
183 Volunteer State Bank Portland, Tenn. Volunteer State Bancshares Inc. bank 4,705 7,888 59.65 2,765 314,875
184 High Trust Bank Stockbridge, Ga. High Trust Bancorp Inc. bank 1,016 1,711 59.38 1,359 220,792
185 Liberty Savings Bank FSB St. Cloud, Minn. Liberty Financial Services St. Cloud thrift 1,581 2,667 59.28 582 148,977
186 Bankers Bank Oklahoma City Bankers Bancorp of Oklahoma Inc. bank 2,263 3,820 59.24 2,376 196,211
187 Oneida Savings Bank MHC N.Y. Oneida Financial MHC bank 5,479 9,286 59.00 -1,982 577,067
188 Grand Bank Hamilton, N.J. none bank 4,699 7,991 58.80 279 337,846
189 Soy Capital Bank and Trust Co. Decatur, Ill. SCB Bancorp Inc. bank 4,230 7,204 58.72 3,503 359,717
190 Tolleson Wealth Management Inc. Dallas none bank 2,976 5,088 58.49 3,343 297,281
191 H&R Block Bank Kansas City, Mo. H&R Block Inc. thrift 10,797 18,462 58.48 4,082 1,438,053
192 T Bank Dallas T Bancshares Inc. bank 1,808 3,097 58.38 2,324 141,594
193 First National Banker's Bankshares Inc. Baton Rouge none bank 9,299 16,134 57.64 5,180 1,152,672
194 Advanta Bank Corp Draper, Utah Advanta Corp. bank 17,868 31,061 57.53 98,617 2,284,186
195 GE Capital Financial Inc. Salt Lake City General Electric Co. bank 142,795 248,260 57.52 65,625 9,859,096
196 ITS Bank Johnston, Iowa none bank 46 80 57.50 44 5,198
197 Guardian Savings Bank FSB Cincinnati Guardian Bancorp Inc. thrift 4,251 7,399 57.45 345 671,257
198 Illinois National Bancorp Inc. Springfield, Ill. none bank 6,248 10,900 57.32 NA 596,415
199 Rurban Financial Corp. Defiance, Ohio none bank 7,098 12,412 57.19 7,318 675,137
200 First Chester County Corp. West Chester, Pa. none bank 13,613 23,871 57.03 1,315 1,306,681

Data based on regulatory filings for top tier consolidated bank holding companies, commercial banks, savings 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 January 20, 2010.

Source:

SNL Financial
, Charlottesville, Va.
© 2010 American Banker