Banks and Thrifts with the Highest Noninterest Income Ratios

June 21, 2012, 5:40 p.m. EDT 1 Min Read

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Banks and Thrifts with the Highest Noninterest Income RatiosOn Dec. 31, 2011. Dollars in thousands Published June 21, 2012
Rank		Parent name	Type of institution	Noninterest income	Total revenue*	Ratio	Year earlier noninterest income	Assets
Rank		Parent name	Type of institution	Noninterest income	Total revenue*	Ratio	Year earlier noninterest income	Assets
1	Bank of America National Trust of Delaware Wilmington		other bank	$31	$24	129.17%	$119	$2,843
2	CIT Group Inc. New York		BHC	2,734,334	2,338,979	116.90	2,751,581	45,251,412
3	Depository Trust Co. New York		other bank	398,026	390,136	102.02	353,420	3,599,548
4	Acadia Trust Portland, Maine		other bank	6,137	6,083	100.89	6,339	12,301
5	Talbots Classics National Bank Lincoln, R.I.		commercial bank	4,506	4,489	100.38	5,141	8,637
6	Fidelity Management Trust Co. Boston		commercial bank	186,125	185,846	100.15	187,285	95,340
7	Wellington Trust Co. Boston		other bank	301,110	300,776	100.11	240,022	89,678
8	Edward Jones Trust Co. St. Louis	Jones Financial Cos.	thrift	25,437	25,445	99.97	20,794	94,685
	Unified Trust Co. Lexington, Ky.		other bank	18,393	18,399	99.97	16,228	10,468
10	Simmons First Trust Co. Pine Bluff, Ark.		other bank	5,159	5,161	99.96	4,978	1,612
11	FDS Bank Mason, Ohio	FDS Thrift Holding Co. Inc.	thrift	733,975	734,327	99.95	518,645	202,093
	First National Trust Co. Hermitage, Pa.		other bank	23,243	23,254	99.95	20,670	20,748
13	Credit First Brook Park, Ohio		commercial bank	40,033	40,065	99.92	35,465	29,106
	Northern Trust Co. of New York		other bank	2,664	2,666	99.92	3,463	8,850
15	KeyTrust Co. Anchorage, Alaska		other bank	1,022	1,023	99.90	1,112	16,642
	Vanguard National Trust Co. Malvern, Pa.		other bank	67,645	67,714	99.90	63,321	70,541
17	Goldman Sachs Trust Co. New York		other bank	35,108	35,146	99.89	27,593	43,723
18	Marshall & Ilsley Trust Co. Milwaukee		other bank	116,741	116,893	99.87	231,132	230,740
	UMB Bank and Trust Kansas City, Mo.		other bank	3,718	3,723	99.87	4,787	3,007
20	State Street Bank and Trust Co. New York		other bank	18,115	18,141	99.86	22,621	26,810
21	Cambridge Appleton Trust Boston		other bank	2,693	2,697	99.85	2,434	4,148
22	Invesco National Trust Co. Atlanta		commercial bank	129,039	129,248	99.84	105,700	169,877
23	Credit One Bank Las Vegas		commercial bank	140,229	140,474	99.83	121,739	99,958
24	Associated Trust Co. Milwaukee		other bank	41,388	41,474	99.79	40,106	20,146
	US Bank Trust Co. Portland, Ore.		other bank	954	956	99.79	931	14,083
26	First Financial Trust and Asset Management Co. Abilene, Texas		other bank	13,022	13,051	99.78	11,130	4,987
27	Glenmede Trust Co. Philadelphia		other bank	102,415	102,668	99.75	92,879	50,604
28	Boston Trust and Investment Management Co.		commercial bank	29,022	29,097	99.74	24,449	41,584
	Bremer Trust St. Cloud, Minn.		other bank	15,444	15,485	99.74	13,972	7,751
30	Arvest Trust Co. Rogers, Ark.		other bank	16,077	16,123	99.71	13,887	2,727
	Synovus Trust Co. Columbus, Ga.		other bank	36,698	36,806	99.71	35,710	45,688
32	ReconTrust Co. Simi Valley, Calif.		other bank	198,259	198,946	99.65	190,436	433,944
33	American National Trust and Investment Management Co. Muncie, Ind.		other bank	21,120	21,197	99.64	16,646	14,910
34	Country Club Trust Co. Kansas City, Mo.		other bank	7,541	7,569	99.63	6,702	9,195
	State Street Bank and Trust Co. of California Los Angeles		other bank	5,184	5,203	99.63	5,220	14,605
36	National Independent Trust Co. Ruston, La.		other bank	8,978	9,012	99.62	7,222	6,989
37	Chicago Trust Co.		other bank	6,311	6,338	99.57	5,718	8,039
	VNB Trust Charlottesville, Va.		other bank	2,577	2,588	99.57	5,611	6,699
39	Target National Bank Sioux Falls, S.D.		commercial bank	315,877	317,676	99.43	359,174	149,307
40	First Electronic Bank Sandy, Utah		commercial bank	5,332	5,363	99.42	5,932	8,655
41	Blackrock Institutional Trust Co. San Francisco		other bank	2,899,667	2,919,595	99.32	2,699,032	15,539,653
	National Penn Wealth Management Wilmington, Pa.		other bank	14,841	14,943	99.32	14,208	10,671
43	New Covenant Trust Co. Jeffersonville, Ind.		other bank	9,362	9,428	99.30	9,525	7,653
44	Morgan Stanley New York		BHC	31,972,000	32,230,000	99.20	30,331,000	749,898,000
45	Target Bank Salt Lake City		commercial bank	14,399	14,516	99.19	6,626	92,837
46	Deutsche Bank National Trust Co. Los Angeles		other bank	86,868	87,606	99.16	82,192	171,858
47	National Advisors Trust Co. FSB Overland Park, Kan.	National Advisors Holdings Inc.	thrift	5,835	5,885	99.15	4,854	5,868
	US Bank Trust Co. Sioux Falls, S.D.		other bank	8,832	8,908	99.15	8,369	57,822
49	Legg Mason Investment Counsel and Trust Co. Baltimore		commercial bank	47,452	47,879	99.11	48,924	69,986
50	Northwestern Mutual Wealth Management Milwaukee	Northwestern Mutual Life Insurance Co.	thrift	184,658	186,672	98.92	144,633	187,283
51	Wheaton College Trust Co. Ill.		other bank	718	726	98.90	662	3,255
52	Bessemer Trust Co. of Delaware Wilmington		other bank	10,389	10,507	98.88	8,223	11,632
53	Old Point Trust and Financial Services Newport News, Va.		other bank	3,258	3,299	98.76	3,409	4,979
54	Franklin Resources Inc. San Mateo, Calif.		BHC	7,027,900	7,118,214	98.73	6,195,446	13,299,613
55	Western National Trust Co. Los Angeles		other bank	6,171	6,251	98.72	5,239	15,321
56	Computershare Trust Co. Canton, Mass.		other bank	9,609	9,737	98.69	9,803	21,526
57	Deutsche Bank Trust Co. New York		other bank	52,821	53,564	98.61	53,278	130,931
58	The Trust Co. of Virgina Richmond	TCV Financial Corp.	thrift	8,658	8,786	98.54	7,787	6,695
59	Trust Co. of Toledo Holland, Ohio		other bank	5,009	5,085	98.51	4,277	3,670
60	Cedar Hill National Bank Charlotte, N.C.		commercial bank	3,684	3,749	98.27	3,465	11,345
	Everence Trust Co. Goshen, Ind.	Everence Holdings Inc.	thrift	4,423	4,501	98.27	3,936	5,093
62	Private Trust Co. Cleveland		other bank	6,316	6,430	98.23	5,719	16,299
63	SEI Private Trust Co. Oaks, Pa.	SEI Investments Co.	thrift	148,392	151,322	98.06	139,625	108,881
64	ING National Trust Minneapolis		other bank	3,734	3,811	97.98	3,830	6,777
65	UBS Trust Co. Wilmington, N.J.		other bank	7,006	7,182	97.55	4,014	54,917
66	Davidson Trust Co. Great Falls, Mont.	Davidson Cos.	thrift	4,636	4,763	97.33	4,243	5,216
67	Capital Bank and Trust Co. Irvine, Calif.	Capital Group Cos. Inc.	thrift	137,166	141,049	97.25	144,372	172,583
68	Country Trust Bank Bloomington, Ill.	Country Life Insurance Co.	thrift	28,240	29,092	97.07	24,393	30,784
69	Philadelphia Trust Co.		commercial bank	7,670	7,902	97.06	6,906	15,949
70	First Financial Trust Newton, Mass.		other bank	2,790	2,884	96.74	2,748	7,288
71	Legacy Trust Co. Houston		other bank	10,140	10,488	96.68	8,927	16,068
72	InvesTrust Oklahoma City		other bank	2,002	2,072	96.62	1,773	3,208
73	Security National Trust Co. Wheeling, W.Va.		other bank	2,877	2,980	96.54	2,585	4,070
74	Independence Trust Co. Franklin, Tenn.		other bank	1,983	2,057	96.40	0	3,604
75	Bessemer Trust Co. of California San Francisco		other bank	1,529	1,591	96.10	1,107	6,459
76	Citicorp Trust Palm Beach, Fla.		other bank	3,796	3,952	96.05	2,179	51,873
77	First Citizens Trust Co. Mason City, Iowa		other bank	2,446	2,561	95.51	2,289	5,912
78	Stifel Financial Corp. St. Louis		BHC	1,352,442	1,416,560	95.47	1,329,910	4,951,900
79	The MassMutual Trust Co. Enfield, Conn.	Massachusetts Mutual Life Insurance	thrift	6,995	7,395	94.59	5,650	67,444
80	The Bessemer Group Inc. Woodbridge, N.J.		BHC	342,393	363,880	94.10	315,318	2,937,506
	Fidelity Personal Trust Co. FSB Boston	Fidelity Thrift Holding Co. Inc.	thrift	45,298	48,137	94.10	36,203	98,273
82	Nordstrom FSB Scottsdale, Ariz.	Nordstrom Inc.	thrift	242,810	261,283	92.93	215,831	312,562
83	First Community Trust Dubuque, Iowa		other bank	2,412	2,615	92.24	2,125	5,955
84	DSRM National Bank Albuquerque, New Mexico		commercial bank	588	640	91.88	565	3,491
85	Wells Fargo Delaware Trust Co. Wilmington		other bank	13,245	14,419	91.86	12,811	354,974
86	U.S. Bank Trust Wimington, Del.		other bank	19,073	20,807	91.67	17,961	577,703
87	Briscoe Ranch Inc. Uvalde, Texas		BHC	202,706	222,584	91.07	96,485	940,716
88	Aurora Bank FSB Wilmington, Del.	Lehman Brothers Bancorp Inc.	thrift	256,028	282,553	90.61	539,467	4,334,681
89	Dakota Heritage State Bank Chancellor, S.D.	Dakota Heritage Banking Corp.	commercial bank	814	899	90.55	252	39,236
90	Home Savings of America Little Falls, Minn.	Home Savings Bancorp	thrift	62,579	69,424	90.14	98,410	434,111
91	Citigroup Trust Delaware Wilmington		other bank	1,034	1,149	89.99	4,862	68,862
92	Members Trust Co. Tampa, Fla.		thrift	6,439	7,162	89.91	5,891	25,421
93	CU Bank Shares Inc. Farmers Branch, Texas		BHC	3,231	3,622	89.20	1,304	714,214
94	Mercantil Commercebank Trust Co. Coral Gables, Fla.		other bank	1,886	2,117	89.09	2,530	8,264
95	Armed Forces Benefit Association Alexandria, Va.		BHC	124,993	142,467	87.73	129,746	597,180
96	TIAA-CREF Trust Co. FSB St. Louis	TCT Holdings Inc.	thrift	48,442	55,380	87.47	37,230	495,222
97	Ameri-National Corp. Overland Park, Kan.		BHC	48,778	55,913	87.24	51,541	724,722
98	TriCentury Bank Simpson, Kan.	Astra Financial Corp.	commercial bank	727	854	85.13	988	4,001
99	Woodforest Financial Group Inc. The Woodlands, Texas		BHC	408,269	480,500	84.97	427,387	3,559,767
100	Securian Trust Co. St. Paul, Minn.		other bank	2,937	3,465	84.76	2,666	13,006
101	First Community Bancshares Inc. Houston		BHC	193,597	232,622	83.22	195,834	1,165,864
102	First Federal Savings Bank of Boston	First Eastern Bankshares Corp.	thrift	9,554	11,592	82.42	14,931	74,285
103	Cenlar FSB Ewing Township, N.J.	Cenlar Capital Corp.	thrift	80,255	97,663	82.18	72,441	660,176
104	JRMB II Inc. Lawton, Okla.		BHC	81,760	99,833	81.90	77,660	657,936
105	West Town Savings Bank Cicero, Ill.		savings bank	17,467	21,363	81.76	11,803	131,079
106	Grand Bank Hamilton, N.J.		commercial bank	47,984	58,763	81.66	51,096	337,436
107	Business Bank Minnetonka, Minn.	Business Bancorp. Inc.	commercial bank	20,938	26,344	79.48	31,158	196,128
108	The Federal Savings Bank Overland Park, Kan.		other bank	5,962	7,503	79.46	0	72,848
109	Bank of New York Mellon Corp.		BHC	11,667,000	14,699,000	79.37	10,981,000	325,793,000
110	Bank of England Ark.	MHBC Investments LP I LLLP	commercial bank	30,085	38,365	78.42	27,082	240,651
111	Guaranty Bank Milwaukee	Guaranty Financial Corp.	thrift	133,906	171,897	77.90	127,602	1,179,087
112	Winter Trust of 12/3/74 Lawrence, Kan.		BHC	76,381	98,238	77.75	38,880	773,608
113	Merchants Bank of California Carson		commercial bank	9,728	12,538	77.59	7,505	86,127
114	Goldman Sachs Group Inc. New York		BHC	23,606,000	30,565,000	77.23	33,612,000	923,718,000
115	American Express Co. New York		BHC	23,136,000	29,961,000	77.22	20,857,927	152,273,000
116	Ally Financial Inc. Detroit		BHC	5,716,000	7,442,000	76.81	9,004,000	183,940,000
117	Blue Ridge Holdings Inc. Atlanta		BHC	131,253	172,264	76.19	0	1,818,746
118	University Bank Ann Arbor, Mich.	University Bancorp Inc.	commercial bank	12,558	16,486	76.17	15,770	119,758
119	Lauritzen Corp. Omaha, Neb		BHC	104,206	137,389	75.85	121,075	1,592,575
120	Metro Bank Louisville, Ky.	Louisville Development Bancorp Inc.	commercial bank	1,756	2,321	75.66	1,623	32,374
121	Independent Bankers Financial Corp. Irving, Texas		BHC	97,035	129,202	75.10	100,024	2,519,267
122	Bankers Bank Northeast Glastonbury, Conn.		commercial bank	8,061	10,737	75.08	8,197	109,562
123	State Street Corp. Boston		BHC	7,194,081	9,594,083	74.98	6,540,185	216,435,818
124	MetLife Inc. New York		BHC	50,710,801	68,315,069	74.23	36,008,710	799,625,102
125	RBC USA Holdco Corp. New York		BHC	2,259,082	3,044,495	74.20	2,487,628	83,152,884
126	Bankers Bank Madison, Wis.	Bankers' Bancorp. Inc.	commercial bank	21,366	28,851	74.06	23,947	417,187
127	Northern Trust Corp. Chicago		BHC	2,784,405	3,769,644	73.86	2,747,499	100,223,739
128	Wyoming Bank and Trust Co. Cheyenne	Farmers State Bankshares Inc.	commercial bank	10,271	13,922	73.78	8,997	121,388
129	Dickinson Financial Corp. II Kansas City, Mo.		BHC	104,773	142,310	73.62	202,807	2,269,082
130	ITS Bank Johnston, Iowa		commercial bank	253	345	73.33	234	5,492
131	Southwest Trust Co. Oklahoma City		other bank	759	1,041	72.91	515	54,682
132	PlainsCapital Corp. Dallas		BHC	468,215	647,287	72.33	424,390	5,702,479
133	Bankers Bank of Kentucky Frankfort	Independent Community Bancorp Inc.	commercial bank	4,404	6,116	72.01	4,358	69,927
134	Goldwater Bank Scottsdale, Ariz.		commercial bank	13,043	18,179	71.75	17,916	154,241
135	PlainsCapital Bank Dallas	Maedgen & White Ltd.	commercial bank	462,632	646,161	71.60	420,891	5,681,476
136	Nationwide Bank Columbus, Ohio	Nationwide Financial Services Inc.	thrift	278,697	389,690	71.52	281,262	4,479,945
137	First Federal Bank FSB Tuscaloosa, Ala.	Southeastern Financial Inc.	thrift	12,962	18,176	71.31	13,003	188,803
138	Independence Bank East Greenwich, R.I.		commercial bank	4,142	5,812	71.27	2,346	68,718
139	MidCountry Bank Marion, Ill.	MidCountry Financial Corp.	thrift	58,222	82,266	70.77	50,983	674,749
140	Eaglemark Savings Bank Carson City, Nev.		commercial bank	11,105	15,773	70.41	9,497	21,130
141	Delta National Bank and Trust Co. New York	Delta Investment Co. (Cayman)	commercial bank	12,240	17,425	70.24	13,044	283,392
142	Midwest Independent Bancshares Inc. Jefferson City, Mo.		BHC	19,709	28,522	69.10	21,773	341,080
143	First Choice Bank Lawrenceville, N.J.		commercial bank	36,690	53,101	69.09	16,511	669,292
144	First National Bank Layton, Utah	FNB Bancorp	commercial bank	21,288	30,840	69.03	10,909	255,171
145	Pedcor Capital LLC Carmel, Ind.		BHC	11,065	16,154	68.50	13,378	312,793
146	First Midwest Bank Centerville, S.D.		commercial bank	4,986	7,351	67.83	-1,299	89,995
147	Lowell Co-op Bank Mass.		savings bank	9,619	14,213	67.68	798	168,553
148	Flagstar Bank FSB Troy, Mich.	Flagstar Bancorp Inc.	thrift	522,321	777,622	67.17	504,023	13,623,469
149	Palm Desert National Bank Calif.	Palm Desert Investments	commercial bank	6,744	10,050	67.10	7,000	125,754
150	Cache Valley Bank Logan, Utah	Cache Valley Banking Co.	commercial bank	27,001	40,344	66.93	3,864	488,018
151	Pacific Coast Bankers' Bancshares San Francisco		BHC	22,543	34,528	65.29	20,059	622,959
152	Essex Savings Bank Conn.		savings bank	16,912	25,939	65.20	14,188	299,179
153	Bankers Bank Oklahoma City	Bankers Bancorp of Oklahoma Inc.	commercial bank	10,470	16,233	64.50	9,979	190,160
154	Tri-County Financial Group Inc. Mendota, Ill.		BHC	42,208	66,663	63.32	0	751,855
155	Berkshire Bancorp Inc New York		BHC	43,814	70,581	62.08	1,144	861,843
156	Central Bancorp Inc. Colorado Springs, Colo.		BHC	6,640	10,737	61.84	5,865	130,785
157	Benchmark Bank Plano, Texas	Quinlan Bancshares Inc.	commercial bank	22,901	37,099	61.73	34,122	358,515
	Monarch Financial Holdings Inc. Chesapeake, Va.		BHC	54,226	87,850	61.73	53,504	909,568
159	Liberty Savings Bank FSB Wilmington, Ohio	Liberty Capital Inc.	thrift	38,427	62,277	61.70	19,785	683,045
160	Vantage Point Bank Fort Washington, Pa.		commercial bank	3,715	6,028	61.63	2,177	78,572
161	Trust Co. of America Centennial, Colo.		commercial bank	22,038	35,768	61.61	20,773	497,357
162	Oakwood State Bank Texas		commercial bank	155	252	61.51	146	4,299
163	MetaBank Storm Lake, Iowa	Meta Financial Group Inc.	thrift	56,443	91,799	61.49	90,159	1,358,284
164	Union Savings Bank Cincinnati	U.S. Bancorp	thrift	75,104	122,524	61.30	80,202	2,218,607
165	Presidential Bank FSB Bethesda, Md.	Presidential Holdings Inc.	thrift	30,555	50,187	60.88	32,864	548,388
166	Southern Bancshares (N.C.) Inc. Mount Olive		BHC	72,123	118,886	60.67	14,362	2,068,677
167	Seacoast Commerce Bank Chula Vista, Calif.		commercial bank	8,674	14,306	60.63	7,921	149,644
168	Soy Capital Bank and Trust Co. Decatur, Ill.	SCB Bancorp Inc.	commercial bank	19,710	32,974	59.77	18,356	386,527
169	Tolleson Wealth Management Inc. Dallas		BHC	15,239	25,505	59.75	13,407	378,842
170	Urban Partnership Bank Chicago		commercial bank	85,837	143,763	59.71	7,641	1,261,384
171	First National Bankers Bankshares Inc. Baton Rouge, La.		BHC	32,014	53,642	59.68	38,367	868,028
172	Heritage Bank St. George, Utah		thrift	1,749	2,973	58.83	664	80,294
173	NewBank Flushing, N.Y.		commercial bank	7,372	12,758	57.78	3,909	141,269
174	Cass Information Systems Inc. Bridgeton, Mo.		BHC	62,781	108,685	57.76	56,146	1,319,301
175	World's Foremost Bank Sidney, Neb.		commercial bank	280,603	487,541	57.55	249,787	3,354,927
176	Bankers Bank of Kansas Wichita	BBOK Bancshares Inc.	commercial bank	6,948	12,116	57.35	6,842	129,028
177	CBC National Bank Fernandina Beach, Fla.	Coastal Banking Co. Inc.	commercial bank	17,410	30,374	57.32	6,087	477,611
178	Union Bank and Trust Co. Minneapolis		commercial bank	2,470	4,325	57.11	2,532	86,386
179	First Community Bank of Bedford County Shelbyville, Tenn.	First Community Bancorp Inc.	commercial bank	13,896	24,365	57.03	16,689	319,308
180	FCB Financial Corp. Savannah, Ga.		BHC	13,919	24,610	56.56	13,818	524,082
181	Access National Corp. Reston, Va.		BHC	36,429	64,546	56.44	34,473	809,759
182	First Federal Savings Bank Rochester, Ind.	American Midwest Financial Corp.	thrift	13,149	23,321	56.38	13,688	346,368
183	Peoples Bank and Trust Co. Ryan, Okla.		commercial bank	1,322	2,368	55.83	498	25,415
184	Guardian Savings Bank FSB Cincinnati		other bank	21,152	37,962	55.72	0	811,158
185	Oneida Savings Bank N.Y.		savings bank	24,552	44,335	55.38	22,663	664,055
186	HomeStreet Bank Seattle		savings bank	64,226	116,065	55.34	61,543	2,248,472
187	Taunus Corp. New York		BHC	5,039,000	9,109,000	55.32	5,343,000	354,737,000
188	CenterState Banks Inc. Winter Haven, Fla.		BHC	90,978	164,478	55.31	44,367	2,284,459
189	Alerus Financial Corp. Grand Forks, N.D.		BHC	55,811	102,161	54.63	53,310	1,156,223
190	Royal Bank Elroy, Wis.	Royal Bancshares Inc.	commercial bank	14,842	27,180	54.61	2,302	309,755
191	UMB Financial Corp. Kansas City, Mo.		BHC	398,207	731,305	54.45	352,264	13,541,398
192	Volunteer State Bank Portland, Tenn.	Volunteer State Bancshares Inc.	commercial bank	16,703	30,685	54.43	19,848	383,666
193	AFNB Holdings Inc. Houston		BHC	41,886	77,379	54.13	1,538	868,864
	Applied Bank Wilmington, Del.		commercial bank	7,310	13,504	54.13	11,792	220,474
195	Bankers Bank of the West Denver	Bankers' Bank of the West Bancorp Inc.	commercial bank	9,885	18,265	54.12	9,341	367,367
196	Farmers Enterprises I nc. Great Bend, Kan.		BHC	18,592	34,463	53.95	24,691	654,435
197	Carbon County Holding Co. Rawlins, Wyo.		BHC	5,605	10,490	53.43	5,800	172,398
198	United National Corp. Sioux Falls, S.D.		BHC	341,685	642,117	53.21	480,355	1,799,837
199	Quontic Bank Great Neck, N.Y.	Quontic Bank Holdings Corp.	thrift	2,917	5,491	53.12	957	85,061
200	Seaway Bank and Trust Co. Chicago	Seaway Bancshares Inc.	commercial bank	22,175	41,756	53.11	14,188	603,147

Note: 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 Dec. 31, 2011. *Total revenues, net of interest expenses and any losses on securities holdings.

Source:

Financial Information Systems LLC