U.S. Banking Companies with Highest Multiples of Net to Salary, Benefits

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U.S. Banking Companies with Highest Multiples of Net to Salary, Benefits

U.S. Banking Companies with Highest Multiples of Net to Salary, Benefits
In 2004. Dollars in thousands
Published May 14, 2004
Related Table: Net income leaders
    Multiple Net income Salaries and benefits Return on average assets
1 Dairyland Bank Holding Corp. La Crosse, Wis. 4.68 $4,843 $1,034 2.86%
2 First Financial Holdings MHC Renton, Wash. 4.4 7,548 1,717 1.08
3 Amboy Bancorp. Old Bridge, N.J. 4.31 63,159 14,665 2.97
4 Doral Financial Corp. San Juan, Puerto Rico 3.87 321,299 82,940 3.36
5 Vermillion Bancshares Inc. Minn. 3.47 8,889 2,563 3.31
6 W Holding Co. Inc. Mayaguez, Puerto Rico 3.31 113,314 34,281 1.16
7 Lauritzen Corp. Omaha 3.27 55,385 16,948 4.88
8 Fidelity Bancshares Inc. Edina, Minn. 3.24 12,112 3,734 2.36
  Germantown Banc Corp. Ill. 3.24 5,417 1,671 2.13
10 New York Community Bancorp Inc. Westbury 3.15 323,371 102,683 2.24
11 Dentel Bancorp. Victor, Iowa 3.02 5,496 1,819 2.62
12 F.B.H. Corp. Fayette, Ala. 3 4,524 1,506 2.7
13 SBC Inc. Countryside, Ill. 2.77 20,972 7,563 2.93
14 Stockmans Financial Group Elk Grove, Calif. 2.73 8,702 3,184 3.53
15 Pawnee Holding Co. Inc. Okla. 2.72 3,993 1,466 1.87
16 Mountain View Bancshares Ark. 2.52 4,156 1,646 2.58
17 Intervest Bancshares Corp. New York 2.5 9,120 3,655 1.17
18 Neffs Bancorp Inc. Pa. 2.47 2,774 1,121 1.46
19 Oriental Financial Group Inc. San Juan, Puerto Rico 2.44 56,478 23,168 1.86
20 Washington First Financial Group Seattle 2.39 7,309 3,053 1.7
  Concord EFS Inc. Memphis 2.39 349,512 146,529 13.01
22 Lincoln Savings Bank Corp. Lincoln, Ill. 2.34 6,008 2,573 3.54
23 New Era Bancorp. Inc. Fredericktown, Mo. 2.32 4,500 1,937 2.12
24 Farmers Enterprises Inc. Great Bend, Kan. 2.29 7,943 3,469 2.37
  Elgin Bancshares Inc. Ill. 2.29 3,858 1,685 2.54
26 New Tripoli Bancorp Inc. Pa. 2.27 4,310 1,899 2.06
27 West Bancorp. Inc. West Des Moines 2.24 17,282 7,701 1.89
28 Community Bank Corp. Park Ridge, Ill. 2.23 3,578 1,606 2.14
29 Country Agencies and Investments Inc. Odessa, Mo. 2.22 5,082 2,293 1.11
30 Security Financial Services Durand, Wis. 2.17 4,024 1,852 1.93
31 Security Bancshares Co. Glencoe, Minn. 2.12 6,126 2,893 2.1
32 Bosshard Banco Ltd. La Crosse, Wis. 2.1 4,377 2,087 1.54
33 City National Bancshares Miami 2.07 60,310 29,090 2.64
  First Bancorp San Juan, Puerto Rico 2.07 152,338 73,525 1.41
  North Fork Bancorp. Melville, N.Y. 2.07 396,365 191,757 1.84
36 R&G Financial Corp. San Juan, Puerto Rico 2.04 131,024 64,279 1.8
37 Yellowstone Holding Co. Columbus, Mont. 2 8,463 4,226 3.14
  Brighton Bancorp Salt Lake City 2 6,429 3,213 3.61
39 First Illinois Bancorp Inc. East St. Louis 1.98 7,935 3,999 2.4
40 Pueblo Bancorp. Colo. 1.96 12,965 6,604 3.71
  PTB Corp. Salem, Ore. 1.96 6,591 3,370 2.68
42 Stearns Financial Services St. Cloud, Minn. 1.95 32,203 16,508 3.38
  Lakeside Bancorp Inc. Chicago 1.95 14,363 7,377 2.96
44 Forstrom Bancorp. Inc. Clara City, Minn. 1.94 4,657 2,406 2.12
45 Coastal Bancshares Inc. Pearland, Tex. 1.89 5,871 3,110 2.82
46 Hudson City MHC Paramus, N.J. 1.88 129,522 68,776 0.84
47 Alikat Investments Inc. Gurnee, Ill. 1.87 4,779 2,554 1.18
  First Fabens Bancorp. Tex. 1.87 4,531 2,423 2.41
49 Austin Colony Inc. Lake Jackson, Tex. 1.86 2,608 1,402 1.45
  Albany Bancshares Inc. Tex. 1.86 5,016 2,701 2.46
51 First National Talladega Corp. Ala. 1.84 4,250 2,304 1.73
  East West Bancorp Inc. San Marino, Calif. 1.84 58,992 31,989 1.62
  Royal Bancshares of Pennsylvania Inc. Narberth 1.84 18,526 10,049 1.61
54 Thornton Holding Co. Douglasville, Ga. 1.82 6,075 3,345 2.99
55 Farmers National Bancorp Cynthiana, Ky. 1.81 3,075 1,695 1.8
56 Rockhold Bancorp Kirksville, Mo. 1.8 4,805 2,670 1.48
57 Nekoosa Port Edwards Bancorp Nekoosa, Wis. 1.77 2,008 1,135 1.22
  Citizens Bancorp of Winfield Ala. 1.77 2,519 1,426 4.19
59 Westamerica Bancorp. San Rafael, Calif. 1.76 95,063 53,974 2.14
  River Holding Co. Stoddard, Wis. 1.76 3,410 1,940 1.61
61 Hayward Bancshares Eau Claire, Wis. 1.75 4,862 2,785 2.16
62 First National Security Co. De Queen, Ark. 1.74 7,697 4,429 1.59
  Gato Holdings Inc. Thief River Falls, Minn. 1.74 3,565 2,054 2.03
64 Mauston Bancorp Inc. La Crosse, Wis. 1.73 4,937 2,848 2.94
  Cathay General Bancorp Los Angeles 1.73 55,572 32,152 1.59
  Manhattan Banking Corp. Kan. 1.73 5,677 3,288 1.56
67 Giant Holdings Inc. Fort Lauderdale, Fla. 1.72 3,265 1,896 1.59
68 Charter One Financial Inc. Cleveland 1.71 630,891 369,228 1.46
69 Bank of Southside Virginia Corp. Carson 1.7 9,968 5,853 2.28
  GreenPoint Financial Corp. New York 1.7 471,734 277,068 2.09
  International Bancshares Corp. Laredo, Tex. 1.7 123,877 72,860 1.84
72 Cornerstone Financial Services Group Ottumwa, Iowa 1.69 4,170 2,466 1.65
  WCN Bancorp Inc. Wisconsin Rapids, Wis. 1.69 5,703 3,380 2.37
74 Corus Bankshares Inc. Chicago 1.68 58,410 34,716 1.94
75 FNC. Inc. Storm Lake, Iowa 1.66 3,865 2,332 1.84
76 Quail Creek Bancshares Inc. Oklahoma City 1.65 6,495 3,928 2.5
  Washco Bancshares Inc. Potosi, Mo. 1.65 3,560 2,157 2.32
  Bank of Highland Park Financial Ill. 1.65 8,193 4,970 1.28
  First Keystone Corp. Berwick, Pa. 1.65 7,317 4,446 1.58
80 S&T Bancorp Inc. Indiana, Pa. 1.64 51,777 31,545 1.81
81 Bosshard Financial Group La Crosse, Wis. 1.63 2,193 1,343 6.64
82 Community Bancshares Marysville, Kan. 1.62 3,326 2,053 1.61
  Heritage Group Inc. Aurora, Neb. 1.62 8,962 5,534 2.04
84 United Community Bancorp Chatham, Ill. 1.61 10,650 6,623 1.98
85 Prophetstown Banking Co. Ill. 1.6 3,109 1,941 1.32
  Converse County Capital Corp. Douglas, Wyo. 1.6 3,252 2,033 1.99
87 ITLA Capital Corp. La Jolla, Calif. 1.57 29,634 18,872 1.79
  First McMinnville Corp. Tenn. 1.57 4,899 3,124 1.59
  Fairfield Bancshares Inc. Ill. 1.57 3,100 1,978 1.31
90 Peoples Holding Co. Inc. Coldwater, Ohio 1.56 4,052 2,598 1.6
91 Marine Bancorp Inc. Springfield, Ill. 1.55 13,900 8,968 2.19
  Carlsbad Bancorp. Inc. N.M. 1.55 4,171 2,694 2.36
93 Penns Woods Bancorp Inc. Jersey Shore, Pa. 1.54 11,174 7,262 2.21
94 Durant Bancorp Durant, Okla. 1.53 19,803 12,902 2.12
  Paris Bancshares Inc. Tex. 1.53 3,542 2,310 1.52
  Countryside Financial Services Walworth, Wis. 1.53 2,793 1,828 2.24
  UCBH Holdings Inc. San Francisco 1.53 64,638 42,310 1.25
  Hometown Community Bancorp Morton, Ill. 1.53 11,073 7,260 1.17
99 Wilkinson Banking Corp. Greenwood, Ark. 1.52 3,187 2,094 1.85
  Wisconsin Bank Services Inc. Black River Falls 1.52 3,234 2,125 5.01
  INB Financial Corp. McAllen, Tex. 1.52 12,455 8,191 1.74
102 United Security Bancshares Fresno 1.51 7,706 5,089 1.5
  Putnam Bancshares Inc. Hurricane, W.Va. 1.51 4,953 3,273 1.03
  Berco Inc. Bennington, Kan. 1.51 4,820 3,192 1.89
  Exchange Co. Gibbon, Neb. 1.51 4,089 2,714 1.78
  Peoples Financial Services Corp. Hallstead, Pa. 1.51 5,564 3,694 1.55
107 Waseca Bancshares Inc. Waseca, Minn. 1.5 3,320 2,208 1.51
  Security Agency Inc. Decorah, Iowa 1.5 3,479 2,320 1.9
  NSB Holding Corp. Staten Island, N.Y. 1.5 15,100 10,077 1.07
  Blackhawk Bancorp Milan, Ill. 1.5 8,081 5,399 1.49
  New Lenox Holding Co. Ill. 1.5 16,693 11,158 1.73
112 Heartland Bancorp Inc. Bloomington, Ill. 1.49 17,947 12,007 2.68
  U.S. Bancorp Minneapolis 1.49 3,732,600 2,505,200 1.98
  Fifth Third Bancorp Cincinnati 1.49 1,754,744 1,179,112 1.98
  Fidelity Corp. Burke, S.D. 1.49 4,951 3,327 2.32
116 First Bemidji Holding Co. Minn. 1.48 6,138 4,145 1.8
  Smithtown Bancorp Inc. N.Y. 1.48 9,099 6,159 1.8
  W.S.B. Inc. Washington, Iowa 1.48 2,290 1,552 1.37
119 NW Bancshares Inc. Chippewa Falls, Wis. 1.47 4,173 2,832 1.61
  First Southwest Bancorp Bismarck, N.D. 1.47 7,326 4,983 1.99
  First Sleepy Eye Bancorp Inc. Sioux Falls, S.D. 1.47 3,987 2,715 1.9
122 Montfort Bancorp. Inc. Platteville, Wis. 1.46 2,695 1,843 1.5
  Inwood Bancshares Inc. Dallas 1.46 16,364 11,193 2.14
124 Fina Bancorp Inc. Valparaiso, Ind. 1.45 11,555 7,943 1.87
  American National Corp. Omaha 1.45 26,019 17,923 2.14
  Iowa State BHC Des Moines 1.45 6,090 4,196 2.6
  Peoples Bancorp Inc. Prairie du Chien, Wis. 1.45 3,779 2,611 1.57
  Calvin B. Taylor Bankshares Berlin, Md. 1.45 5,540 3,828 1.44
129 Warren County Bancshares Warrenton, Mo. 1.44 3,861 2,684 1.85
  Citizens Bank Group Inc. St. James, Minn. 1.44 3,071 2,135 5.06
  First American Bankshares Fort Atkinson, Wis. 1.44 3,878 2,701 1.81
132 City Holding Co. Cross Lanes, W.Va. 1.41 43,693 31,069 2.13
133 InvestorsBancorp Inc. Pewaukee, Wis. 1.4 2,940 2,105 1.98
134 Western Commerce Bancshares Carlsbad, N.M. 1.39 5,538 3,978 2.1
  High Point Financial Services Forreston, Ill. 1.39 2,146 1,542 1.22
  Bridge Bancorp Inc. Bridgehampton, N.Y. 1.39 9,598 6,900 1.93
137 Liberty Bancshares Inc. Alton, Ill. 1.38 1,798 1,304 2.87
  Frontier Financial Corp. Everett, Wash. 1.38 39,607 28,795 1.95
139 Citizens National Bancorp Putnam, Conn. 1.37 3,661 2,672 1.57
  Valley Bank Shares Inc. Valley, Neb. 1.37 2,805 2,048 1.86
  Roseau Realty Co. Inc. Minn. 1.37 2,798 2,044 2.3
142 First Arkansas Bancshares Jacksonville, Ark. 1.36 7,404 5,457 2.85
143 Falcon Bancshares Inc. Laredo, Tex. 1.35 7,764 5,737 2.65
  Sun West Capital Corp. Las Vegas 1.35 429 317 0.18
  Easter Enterprises Inc. Spencer, Iowa 1.35 2,920 2,163 1.69
146 Valley View Bancshares Inc. Overland Park, Kan. 1.34 37,264 27,713 1.57
147 Kenbancorp Kentland, Ind. 1.33 2,917 2,188 1.65
  Walker Ban Co. Walker, Minn. 1.33 6,442 4,838 2.27
  Northumberland Bancorp Pa. 1.33 2,330 1,752 1.04
150 WVS Financial Corp. Pittsburgh 1.32 2,689 2,032 0.69
  First State Bancshares Inc. Scottsbluff, Neb. 1.32 5,773 4,364 2.05
  IBT Bancorp Inc. Irwin, Pa. 1.32 9,646 7,296 1.59
  NBM Corp. McAlester, Okla. 1.32 6,421 4,857 2.22
  Stockman Financial Corp. Miles City, Mont. 1.32 17,956 13,592 2.06
  First Staunton Bancshares Ill. 1.32 4,603 3,495 1.48
  Peoples Bancorp. Inc. Winfield, Ala. 1.32 2,638 2,005 4.3


Only bank holding companies that file Y-9C reports with the Fed were included
Source: Sheshunoff Information Services

© 2004 American Banker