Banks and Thrifts with the Highest Noninterest Income to Revenue Ratios

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Banks and Thrifts with the Highest Noninterest Income to Revenue Ratios

Banks and Thrifts with the Highest Noninterest Income to Revenue RatiosOn March 31, 2011. Dollars in thousands
Published September 6, 2011

Rank   Parent name Type of institution Noninterest
income
Total revenue* Ratio Year earlier
noninterest income
Assets
1 CU Bank Shares Inc. Dallas BHC $977 $176 555.11% $27,531 $799,375
2 First-West Texas Bancshares Inc. Midland BHC 1,104 279 395.70 1,082 595,703
3 Woodlands Commercial Bank Salt Lake City Lehman Brothers Holdings Inc. bank 41,430 38,172 108.54 25,041 2,432,339
4 Aurora Bank FSB Wilmington, Del. Lehman Brothers Holdings Inc. thrift 120,062 115,428 104.01 176,609 4,544,275
5 Depository Trust Co. New York Depository Trust and Clearing Corp. bank 99,933 98,043 101.93 87,048 3,461,878
6 Talbots Classics National Bank Lincoln, R.I. bank 1,033 1,023 100.98 1,205 11,120
7 Fidelity Management Trust Co. Boston FMR LLC bank 48,196 48,127 100.14 48,307 100,698
8 Wellington Trust Co. Boston Wellington Management Co. LLP bank 73,777 73,690 100.12 55,040 83,246
9 Barclays Wealth Trustees U.S. Wilmington, Del. Barclays PLC foreign bank 18 18 100.00 NA 8,182
Unified Trust Co. Lexington, Ky. bank 4,431 4,431 100.00 3,837 8,643
Warehouse Trust Co. LLC New York bank 15,158 15,158 100.00 5,832 47,210
Pyramis Global Advisors Trust Co. Smithfield, R.I. FMR LLC bank 65,152 65,153 100.00 63,247 83,650
13 Promark Trust Bank New York bank 24,788 24,793 99.98 32,222 59,626
14 FDS Bank Mason, Ohio Macy's Inc. thrift 117,763 117,848 99.93 120,579 132,033
15 Vanguard National Trust Co. Malvern, Pa. bank 16,730 16,743 99.92 15,215 60,396
16 Credit First Brook Park, Ohio bank 9,093 9,101 99.91 7,896 23,943
17 Boston Trust and Investment Management Co. bank 7,217 7,224 99.90 5,655 39,552
18 Rockefeller Trust Co. New York Rockefeller Financial Services Inc. bank 1,836 1,839 99.84 1,811 9,072
19 Edward Jones Trust Co. St. Louis Jones Financial Cos. LLLP thrift 6,477 6,489 99.82 5,317 38,072
20 Invesco National Trust Co. Atlanta Invesco Ltd. bank 28,078 28,131 99.81 21,277 141,572
Credit One Bank Las Vegas Sherman Capital LLC bank 34,806 34,874 99.81 31,703 83,733
22 First Electronic Bank Sandy, Utah Fry's Electronics bank 1,334 1,337 99.78 1,558 7,786
23 Raymond James Trust St. Petersburg, Fla. bank 4,238 4,248 99.76 2,512 11,676
24 Evercore Trust Co. New York Evercore Partners Inc. bank 4,788 4,801 99.73 4,998 26,514
25 Glenmede Trust Co. Philadelphia Glenmede Corp. bank 25,524 25,600 99.70 22,767 54,561
26 Target National Bank Sioux Falls, S.D. Target Corp. bank 84,500 84,933 99.49 99,690 111,670
27 Morgan Stanley New York BHC 7,544,000 7,585,000 99.46 8,624,000 836,185,000
28 Blackrock Institutional Trust Co. San Francisco BlackRock Inc. bank 717,380 722,311 99.32 568,476 15,549,425
29 New Covenant Trust Co. Jeffersonville, Ind. Presbyterian Church USA Foundation bank 2,399 2,416 99.30 2,508 6,998
30 Neuberger Berman Trust Co. New York NBSH Acquisition LLC bank 6,705 6,755 99.26 NA 18,220
31 National Advisors Trust Co. FSB Overland Park, Kan. National Advisors Holdings Inc. thrift 1,395 1,406 99.22 1,046 5,320
32 Brown Brothers Harriman Trust Co. New York Brown Brothers Harriman & Co. bank 4,144 4,177 99.21 3,835 11,134
33 Legg Mason Investment Counsel and Trust Co. Baltimore Legg Mason Inc. bank 13,294 13,404 99.18 11,374 72,714
34 National Independent Trust Co. Ruston, La. bank 2,127 2,145 99.16 1,535 6,545
35 Target Bank Salt Lake City Target Corp. bank 3,515 3,546 99.13 490 38,448
36 Computershare Trust Co. Canton, Mass. Computershare Ltd. foreign bank 2,454 2,481 98.91 2,263 21,311
Northwestern Mutual Wealth Management Co. Milwaukee Northwestern Mutual Life Insurance Co. thrift 42,728 43,200 98.91 33,298 108,410
38 Wheaton College Trust Co. Ill. bank 171 173 98.84 165 3,180
39 Sumitomo Trust and Banking Co. USA Hoboken, N.J. Sumitomo Mitsui Trust Holdings Inc. foreign bank 22,448 22,713 98.83 19,181 1,148,375
40 Trust Co. of Virginia Richmond TCV Financial Corp. thrift 2,096 2,129 98.45 1,837 6,054
41 CIT Group Inc. New York BHC 712,282 724,139 98.36 577,234 50,854,470
42 Trust Co. of Toledo Holland, Ohio bank 1,190 1,210 98.35 1,083 3,770
43 Private Trust Co. Cleveland LPL Investment Holdings Inc. bank 1,733 1,766 98.13 1,566 15,291
44 Everence Trust Co. Goshen, Ind. Everence Association Inc. thrift 1,040 1,060 98.11 939 4,599
45 SEI Private Trust Co. Oaks, Pa. SEI Investments Co. thrift 36,928 37,674 98.02 34,247 105,398
46 Franklin Resources Inc. San Mateo, Calif. BHC 1,762,776 1,798,578 98.01 1,445,477 12,722,547
47 Cedar Hill National Bank Charlotte, N.C. bank 885 904 97.90 855 10,993
48 Davidson Trust Co. Great Falls, Mont. Davidson Cos. thrift 1,130 1,159 97.50 1,070 5,231
49 ING National Trust Minneapolis ING Group NV foreign bank 887 910 97.47 852 6,673
50 Capital Bank and Trust Co. FSB Irvine, Calif. Capital Group Cos. Inc. thrift 34,341 35,235 97.46 35,945 137,715
51 Fidelity Personal Trust Co. FSB Boston FMR LLC thrift 10,668 10,971 97.24 8,315 92,738
52 Philadelphia Trust Co. bank 1,951 2,010 97.06 1,682 16,405
53 Country Trust Bank Bloomington, Ill. Illinois Agricultural Association thrift 6,872 7,089 96.94 5,747 29,964
54 Flagstar Bank FSB Troy, Mich. MatlinPatterson LLC thrift 151,697 156,928 96.67 108,073 13,004,281
55 Security National Trust Co. Wheeling, W.Va. HB&W Inc. bank 718 743 96.64 618 4,004
56 Stifel Financial Corp. St. Louis BHC 354,000 366,614 96.56 299,724 4,537,205
57 Legacy Trust Co. Houston bank 2,283 2,367 96.45 2,119 14,652
58 Independence Trust Co. Franklin, Tenn. Independence Holding Corp. thrift 482 500 96.40 401 3,452
59 Mitsubishi UFJ Trust and Banking Corp. USA New York Mitsubishi UFJ Financial Group Inc. foreign bank 11,337 11,802 96.06 8,916 290,477
60 UBS Trust Co. Wilmington, Del. UBS AG foreign bank 1,756 1,832 95.85 1,085 54,818
61 InvesTrust Oklahoma City Cameron Associates Inc. bank 460 480 95.83 443 2,992
62 First Midwest Bank Centerville, S.D. bank 4,340 4,551 95.36 231 115,982
63 Bessemer Group Inc. Woodbridge, N.J. BHC 87,752 93,281 94.07 72,681 1,861,845
64 MassMutual Trust Co. FSB Enfield, Conn. Massachusetts Mutual Life Insurance Co. thrift 1,644 1,750 93.94 1,275 16,797
65 Mizuho Trust and Banking Co. USA New York Mizuho Financial Group Inc. foreign bank 7,337 7,859 93.36 6,132 522,797
66 AMG National Trust Bank Englewood, Colo. AMG National Corp. bank 5,379 5,834 92.20 4,517 198,470
67 Home Savings of America Little Falls, Minn. Home Savings Bancorp thrift 18,505 20,120 91.97 17,734 453,393
68 First Community Trust Dubuque, Iowa bank 583 637 91.52 500 5,210
69 DSRM National Bank Albuquerque, N.M. bank 138 151 91.39 134 3,465
70 Nordstrom FSB Scottsdale, Ariz. Nordstrom Inc. thrift 50,104 54,954 91.17 45,191 206,639
71 Members Trust Co. Tampa, Fla. thrift 1,498 1,678 89.27 1,286 24,543
72 Haverford Trust Co. Radnor, Pa. Drexel Morgan & Co. bank 4,574 5,158 88.68 4,269 109,234
73 Ameri-National Corp. Overland Park, Kan. BHC 9,505 10,745 88.46 9,612 758,061
74 Briscoe Ranch Inc. Uvalde, Texas BHC 36,770 41,588 88.41 21,281 827,324
75 Live Oak Banking Co. Wilmington, N.C. Live Oak Bancshares Inc. bank 8,782 9,973 88.06 3,031 232,978
76 TIAA-CREF Trust Co. FSB St. Louis TIAA-CREF thrift 11,339 12,922 87.75 8,186 330,896
77 Merchants Bank of California Carson bank 4,881 5,568 87.66 1,771 86,546
78 Union Federal Savings Bank North Providence, R.I. First Marblehead Corp. thrift 349 400 87.25 196 70,904
79 First Investors Federal Savings Bank Edison, N.J. Neptune Distributed Assets LLC thrift 753 865 87.05 727 41,046
80 Ally Financial Inc. Detroit United States Department of the Treasury BHC 1,724,000 1,987,000 86.76 2,245,000 173,704,000
81 TriCentury Bank Simpson, Kan. Astra Financial Corp. bank 188 220 85.45 292 4,749
82 Woodforest Financial Group Inc. The Woodlands, Texas BHC 103,045 120,724 85.36 101,703 3,561,243
83 Gateway Business Bank Cerritos, Calif. Gateway Bancorp bank 6,430 7,559 85.06 6,749 187,096
84 Goldman Sachs Group Inc. New York BHC 10,585,000 12,475,000 84.85 11,366,000 933,471,000
85 Bank 7 Oklahoma City Haines Financial Corp bank 9,551 11,314 84.42 149 178,144
86 Securian Trust Co. St. Paul, Minn. Minnesota Mutual Cos. Inc. bank 706 839 84.15 666 12,384
87 First Community Bancshares Inc. Killeen, Texas BHC 46,556 55,780 83.46 47,193 1,290,210
88 Royal Bank Elroy, Wis. Royal Bancshares Inc. bank 12,869 15,452 83.28 434 296,904
89 First Colorado National Bank Paonia First Colorado Financial Corp. bank 1,971 2,384 82.68 192 51,018
90 Cenlar FSB Trenton, N.J. Cenlar Capital Corp. thrift 18,908 22,883 82.63 18,534 624,998
91 Grand Bank Hamilton, N.J. bank 12,807 15,636 81.91 6,446 379,491
92 Lauritzen Corp. Omaha, Neb. BHC 33,727 41,658 80.96 21,228 1,560,090
93 Bank of New York Mellon Corp. BHC 2,928,000 3,630,000 80.66 2,615,000 266,571,000
94 JRMB II Inc. Lawton, Okla. BHC 18,762 23,408 80.15 NA 630,229
95 University Bank Ann Arbor, Mich. University Bancorp Inc. bank 3,660 4,594 79.67 2,775 115,039
96 Bank of England Ark. MHBC Investments Ltd. Partnership I LLLP bank 6,036 7,600 79.42 5,025 208,373
97 Business Bank Minnetonka, Minn. Business Bancorp. Inc. bank 4,426 5,595 79.11 5,033 121,129
98 Tri-County Financial Group Inc. Mendota, Ill. BHC 16,698 21,179 78.84 NA 702,178
99 Armed Forces Benefit Association Alexandria, Va. BHC 29,820 38,186 78.09 31,390 545,286
100 HomeBanc Lake Mary, Fla. HomeBancorp Inc. bank 4,370 5,635 77.55 3,946 291,296
101 West Town Savings Bank Cicero, Ill. savings bank 3,151 4,066 77.50 1,244 109,402
102 McFarland State Bank Wis. Northern Bankshares Inc. bank 13,591 17,563 77.38 383 501,209
103 American Express Co. New York BHC 5,363,000 7,031,000 76.28 4,771,368 142,925,000
104 Dickinson Financial Corp. II Kansas City, Mo. BHC 31,202 41,072 75.97 44,252 2,375,794
105 Curtis State Bank Neb. Western Investment Group LLC bank 660 869 75.95 41 30,012
106 State Street Corp. Boston BHC 1,791,256 2,361,437 75.85 1,540,213 170,236,334
107 CFG Community Bank Baltimore Capital Funding Bancorp LLC bank 12,217 16,130 75.74 6,964 533,810
108 First California Financial Group Inc. Westlake Village BHC 36,005 47,714 75.46 1,084 1,830,440
109 Northern Trust Corp. Chicago BHC 668,992 897,905 74.51 666,824 92,679,160
110 Guaranty Bank MHC Milwaukee Guaranty Financial MHC thrift 27,329 36,712 74.44 26,336 1,232,991
111 Bankers' Bank Madison, Wis. Bankers' Bancorp. Inc. bank 5,432 7,331 74.10 5,841 470,800
112 Merchants Bank of Indiana Lynn P/R Bancorp bank 6,250 8,461 73.87 2,609 541,616
113 Chinatrust Capital Corp. Torrance, Calif. Chinatrust Financial Holding Co. Ltd. BHC 33,757 45,710 73.85 1,772 1,534,008
114 Bankers Bank Northeast Glastonbury, Conn. bank 1,950 2,641 73.84 2,335 95,098
115 First Federal Bank FSB Tuscaloosa, Ala. Southeastern Financial Inc. thrift 3,042 4,165 73.04 2,754 174,495
116 Jefferson Bank Fayette, Miss. Southeast Arkansas Bank Corp. bank 2,991 4,109 72.79 85 91,857
117 Pilsen State Bank Lincolnville Kan. bank 322 443 72.69 735 12,282
118 Borrego Springs Bank La Mesa, Calif. American Heritage Holdings bank 3,641 5,022 72.50 1,048 148,655
119 Capmark Bank Midvale, Utah KKR Millennium Fund LP bank 63,799 88,348 72.21 51,188 7,998,524
120 Kenney Bank and Trust Ill. iTeam Cos. Inc. bank 730 1,012 72.13 217 71,922
121 Eaglemark Savings Bank Carson City, Nev. Harley-Davidson Inc. bank 2,501 3,475 71.97 2,189 36,808
122 MidCountry Bank Marion, Ill. MidCountry Financial Corp. thrift 15,647 21,781 71.84 11,413 689,910
123 MetLife Inc. New York BHC 11,151,860 15,550,843 71.71 9,111,351 751,340,972
124 Nationwide Bank Columbus, Ohio Nationwide Mutual Group thrift 72,422 101,122 71.62 66,156 3,996,274
125 Winter Trust of 12/3/74 Lawrence, Kan. BHC 11,644 16,291 71.48 4,771 612,784
126 Independent Bankers Financial Corp. Irving, Texas BHC 23,818 33,366 71.38 21,825 2,400,200
127 Delta National Bank and Trust Co. New York Delta Investment Co. Cayman foreign bank 3,035 4,280 70.91 3,552 329,037
128 Proficio Bank Salt Lake City NHB Holdings Inc. bank 2,732 3,854 70.89 2,472 146,266
129 Fullerton Federal Savings Association Baltimore thrift 69 98 70.41 9 8,975
130 Embassy National Bank Lawrenceville, Ga. Embassy Bancshares Inc. bank 1,449 2,060 70.34 179 64,170
131 Evolve Bank and Trust West Memphis, Ark. Evolve Financial Group Inc. bank 3,615 5,163 70.02 2,228 162,841
132 Bankers' Bank of Kentucky Inc. Frankfort Independent Community Bancorp Inc. bank 1,049 1,500 69.93 965 57,344
133 ITS Bank Johnston, Iowa bank 58 83 69.88 54 5,379
134 Midwest Independent Bancshares Inc. Jefferson City, Mo. BHC 5,034 7,294 69.02 5,535 306,106
135 RBC USA Holdco Corp. New York Royal Bank of Canada foreign BHC 697,442 1,015,059 68.71 NA 85,039,741
136 First Choice Bank Lawrenceville, N.J. bank 6,950 10,153 68.45 2,698 480,274
137 Taunus Corp. New York Deutsche Bank AG foreign BHC 2,137,000 3,126,000 68.36 1,663,000 396,741,000
138 Wyoming Bank and Trust Cheyenne Farmers State Bankshares Inc. bank 1,800 2,656 67.77 2,025 123,709
139 NewBank Flushing, N.Y. bank 2,565 3,815 67.23 317 133,454
140 MetaBank Storm Lake, Iowa Meta Financial Group Inc. thrift 18,398 27,605 66.65 37,573 1,182,491
141 PlainsCapital Corp. Dallas BHC 83,990 126,397 66.45 73,298 5,404,364
142 Independence Bank East Greenwich, R.I. bank 782 1,182 66.16 183 68,137
143 Oxford Financial Corp. Oak Brook, Ill. BHC 10,960 16,579 66.11 524 568,160
144 CBW Bank Weir, Kan. CB Bancshares Corp. bank 129 196 65.82 9 7,115
145 Brazos National Bank Richwood, Texas Gulfport Bancshares of Delaware Inc. bank 437 667 65.52 304 25,828
146 Palm Desert National Bank Calif. Palm Desert Investments bank 1,243 1,899 65.46 1,309 232,910
147 Colonial Savings FA Fort Worth, Texas CICO Holding Corp. thrift 22,069 33,746 65.40 12,128 861,422
148 Trust Co. San Antonio bank 1,007 1,561 64.51 1,008 70,797
149 T Bank Dallas T Bancshares Inc. bank 2,223 3,455 64.34 1,937 108,243
150 Oakwood State Bank Texas bank 34 53 64.15 47 3,597
151 NewDominion Bank Charlotte, N.C. bank 6,416 10,072 63.70 -1 445,593
152 Essex Savings Bank Conn. savings bank 3,976 6,261 63.50 3,131 291,966
153 Central Bancorp Inc. Colorado Springs, Colo. BHC 1,549 2,445 63.35 1,283 98,685
154 Soy Capital Bank and Trust Co. Decatur, Ill. SCB Bancorp Inc. bank 5,743 9,100 63.11 5,109 397,678
155 Goldwater Bank Scottsdale, Ariz. bank 1,984 3,147 63.04 2,887 190,648
156 Union Savings Bank Cincinnati U.S. Bancorp thrift 25,602 40,892 62.61 18,695 2,107,384
157 First National Bank of Layton Utah FNB Bancorp bank 3,928 6,290 62.45 273 259,990
158 Trust Co. of America Centennial, Colo. bank 5,467 8,758 62.42 5,230 584,530
159 First American Trust FSB Santa Ana, Calif. First American Financial Corp. thrift 6,076 9,822 61.86 4,827 1,272,833
160 Guardian Savings Bank FSB Cincinnati Guardian Bancorp Inc. thrift 6,893 11,152 61.81 4,972 725,045
161 Bankers Bank Oklahoma City Bankers Bancorp of Oklahoma Inc. bank 2,358 3,823 61.68 2,082 179,367
162 Metro Phoenix Bank bank 1,013 1,647 61.51 219 69,441
163 Pedcor Capital LLC Carmel, Ind. BHC 2,715 4,428 61.31 3,354 319,428
164 Pacific Coast Bankers' Bancshares San Francisco BHC 4,513 7,413 60.88 4,172 621,772
165 First State Bank Holly Springs, Miss. First State Capital Corp. bank 198 329 60.18 199 101,053
166 Seacoast Commerce Bank Chula Vista, Calif. bank 2,025 3,396 59.63 1,086 115,261
167 Bank of Tokyo-Mitsubishi UFJ Trust Co. New York Mitsubishi UFJ Financial Group Inc. foreign bank 14,205 24,029 59.12 8,996 3,246,244
Tolleson Wealth Management Inc. Dallas BHC 3,664 6,198 59.12 3,219 362,645
169 First Community Bank of Bedford County Shelbyville, Tenn. First Community Bancorp Inc. bank 3,349 5,666 59.11 2,896 316,071
170 Applied Bank Wilmington, Del. bank 1,940 3,298 58.82 3,757 233,748
171 Illinois National Bancorp Inc. Springfield BHC 5,063 8,635 58.63 6,415 607,870
172 FMB Bancshares Inc. Lakeland, Ga. BHC 7,009 11,997 58.42 12,181 622,701
173 Oneida Savings Bank N.Y. Oneida Financial Corp. savings bank 6,387 10,989 58.12 5,883 681,152
174 Titan Bank Mineral Wells, Texas BMC Bancshares Inc. bank 588 1,015 57.93 103 46,738
175 FCB Financial Corp. Savannah, Ga. BHC 3,856 6,683 57.70 1,384 611,546
176 Banker's Bank of Kansas Wichita BBOK Bancshares Inc. bank 1,670 2,906 57.47 1,535 117,389
177 Union Bank and Trust Co. Minneapolis bank 651 1,134 57.41 633 73,633
178 Alerus Financial Corp. Grand Forks, N.D. BHC 12,918 22,543 57.30 11,988 1,184,009
179 Public Savings Bank Huntingdon Valley, Pa. Gelt Holdings Inc. savings bank 738 1,299 56.81 699 48,579
180 First Century Bank Gainesville, Ga. First Century Bancorp. bank 803 1,417 56.67 869 72,186
181 Carbon County Holding Co. Rawlins, Wyo. BHC 1,399 2,470 56.64 1,423 171,975
182 First State Bank and Trust Tonganoxie, Kan. Tonganoxie Bankshares Inc. bank 3,268 5,820 56.15 847 253,499
183 Central Bank Tampa, Fla. Central Financial Holdings Inc. bank 742 1,322 56.13 15 77,027
184 South Sound Bank Olympia, Wash. bank 2,016 3,600 56.00 139 170,421
185 Monarch Financial Holdings Inc. Chesapeake, Va. BHC 9,695 17,337 55.92 8,296 803,103
186 Cass Information Systems Inc. Bridgeton, Mo. BHC 14,831 26,530 55.90 13,224 1,200,020
187 Flatirons Bank Boulder, Colo. FBHC Holding Co. bank 1,119 2,029 55.15 20 88,505
188 First National Bankers Bankshares Inc. Baton Rouge, La. BHC 7,044 12,812 54.98 7,767 922,272
189 Two Rivers Financial Group Inc. Burlington, Iowa BHC 5,755 10,503 54.79 5,439 704,456
190 World's Foremost Bank Lincoln, Neb. bank 61,689 112,799 54.69 54,805 2,798,003
191 Amalgamated Investments Co. Chicago BHC 6,197 11,486 53.95 5,852 749,439
192 UMB Financial Corp. Kansas City, Mo. BHC 100,294 186,198 53.86 81,072 13,352,320
193 Bond Street Holdings Inc. Miami Bond Street Management LLC BHC 13,971 25,979 53.78 29,204 2,552,557
194 Westbound Bank Katy, Texas bank 1,225 2,306 53.12 156 152,534
195 United National Corp. Sioux Falls, S.D. BHC 88,574 168,142 52.68 160,234 1,795,550
196 Guadalupe National Bank Kerrville, Texas Relationship Financial Corp. bank 780 1,485 52.53 101 80,828
197 JPMorgan Chase & Co. New York BHC 13,291,000 25,346,000 52.44 13,421,000 2,198,161,000
198 CenterState Banks Inc. Davenport, Fla. BHC 18,716 35,699 52.43 8,021 2,225,511
199 Arvest Bank Group Inc. Bentonville, Ark. BHC 101,762 194,821 52.23 78,682 11,569,861
200 Vantage Point Bank Fort Washington, Pa. bank 550 1,054 52.18 339 72,538

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 July 22, 2011. *Total revenues, net of interest expenses and any losses on securities holdings.

Source:

SNL Financial
, Charlottesville, Va.
© 2011 American Banker