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

June 16, 2005, 10:08 a.m. EDT 1 Min Read

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U.S. Banking Companies with Highest Multiples of Net to Salary, Benefits
On Dec 31, 2004. Dollars in thousands Published June 16, 2005
Related Table: Leaders on Net Income and Return on Assets
Rank		Multiple	Net income	Salaries and benefits	Return on average assets
1	Doral Financial Corp. San Juan, Puerto Rico	5.48	$489,625	$89,305	3.71%
2	Amboy Bancorp. Old Bridge, N.J.	5.20	71,614	13,783	3.15
3	First Financial Holdings MHC Renton, Wash.	4.51	9,889	2,195	1.32
4	W Holding Co. Inc. Mayaguez, Puerto Rico	4.43	171,865	38,834	1.33
5	Dairyland Bank Holding Corp. La Crosse, Wis.	4.20	5,110	1,216	2.68
6	Pawnee Holding Co. Inc. Okla.	3.85	6,000	1,557	2.64
7	Vermillion Bancshares Inc. Minn.	3.66	9,766	2,671	3.32
8	New York Community Bancorp Inc. Westbury	3.63	355,086	97,819	1.46
9	Elgin Bancshares Inc. Ill.	3.17	6,578	2,078	2.85
10	Dentel Bancorp. Victor, Iowa	2.99	5,604	1,877	2.63
11	Security Bancshares Co. Glencoe, Minn.	2.97	9,830	3,306	3.11
12	SBC Inc. Countryside, Ill.	2.94	24,165	8,217	2.98
13	Intervest Bancshares Corp. New York	2.83	11,453	4,046	1.02
14	Neffs Bancorp Inc. Pa.	2.82	3,205	1,137	1.56
15	Oriental Financial Group Inc. San Juan, Puerto Rico	2.76	70,324	25,485	1.89
16	Community Bank Corp. Park Ridge, Ill.	2.74	4,527	1,650	2.55
17	F.B.H. Corp. Fayette, Ala.	2.72	4,327	1,591	2.62
18	Germantown Banc Corp. Ill.	2.68	4,626	1,725	1.75
19	Austin Colony Inc. Lake Jackson, Tex.	2.67	3,720	1,392	1.98
20	Washington First Financial Group Seattle	2.64	9,173	3,469	1.9
21	Corus Bankshares Inc. Chicago	2.53	98,015	38,763	2.4
22	Corn Belt Bancorp Inc. Pittsfield, Ill.	2.53	3,292	1,303	2.45
23	Security Financial Services Durand, Wis.	2.51	4,596	1,832	1.91
24	New Era Bancorp. Inc. Fredericktown, Mo.	2.48	5,287	2,133	2.46
25	Mountain View Bancshares Ark.	2.47	4,263	1,727	2.47
26	Farmers National Bancorp Cynthiana, Ky.	2.41	4,254	1,765	2.45
27	InvestorsBancorp Inc. Pewaukee, Wis.	2.36	4,570	1,940	2.19
28	Forstrom Bancorp. Inc. Clara City, Minn.	2.32	7,123	3,066	2.17
29	Stockmans Financial Group Elk Grove, Calif.	2.26	7,273	3,212	2.49
30	Middle Georgia Corp. Ellaville	2.24	3,194	1,425	8.99
31	Crosstown Holding Co. Blaine, Minn.	2.23	6,277	2,821	1.86
32	New York Private Bank and Trust Corp.	2.21	262,737	119,126	2.7
33	First Bancorp San Juan, Puerto Rico	2.20	178,878	81,402	1.25
34	Fidelity Bancshares Inc. Edina, Minn.	2.19	8,209	3,751	2.36
35	Country Agencies and Investments Odessa, Mo.	2.16	5,423	2,514	1.22
36	First Illinois Bancorp Inc. East St. Louis	2.15	8,274	3,853	2.52
37	Yellowstone Holding Co. Columbus, Mont.	2.13	9,430	4,420	3.21
38	Pedcor Bancorp Carmel, Ind.	2.10	10,085	4,802	3.6
39	Farmers Enterprises Inc. Great Bend, Kan.	2.09	8,779	4,206	2.15
40	R&G Financial Corp. Hato Rey, Puerto Rico	2.07	160,214	77,236	1.78
41	Coastal Bancshares Inc. Pearland, Tex.	2.06	6,215	3,021	2.94
42	First Bancshares Corp. Gladstone, Mich.	2.03	4,483	2,212	7.23
43	Blackhawk Bancorp. Milan, Ill.	2.01	11,492	5,705	1.95
44	Alikat Investments Inc. Gurnee, Ill.	2.01	5,884	2,927	1.28
45	United National Corp. Sioux Falls, S.D.	2.01	180,814	90,058	18.05
46	East West Bancorp Inc. San Marino, Calif.	1.99	78,022	39,131	1.55
47	First Alamogordo Bancorp Reno, Nev.	1.99	5,859	2,948	2.31
48	First National Talladega Corp. Ala.	1.98	4,741	2,396	1.84
49	Rockhold Bancorp Kirksville, Mo.	1.95	5,335	2,742	1.56
50	Thornton Holding Co. Douglasville, Ga.	1.92	7,282	3,787	3.07
51	West Bancorp. Inc. West Des Moines	1.92	18,614	9,680	1.76
52	Nekoosa Port Edwards Bancorp Wis.	1.91	2,175	1,137	1.28
53	Lakeside Bancorp Inc. Chicago	1.85	14,752	7,963	2.66
54	City National Bancshares Miami	1.85	59,472	32,143	2.35
55	Stearns Financial Services St. Cloud, Minn.	1.84	37,885	20,537	3.36
56	PTB Corp. Salem, Ore.	1.84	6,498	3,531	2.57
57	Pueblo Bancorp. Colo.	1.84	13,158	7,154	3.72
58	Fidelity Corp. Burke, S.D.	1.83	6,921	3,777	3.21
59	Affinity Bank Holdings Inc. Ventura, Calif.	1.82	23,389	12,873	2.35
60	Westamerica Bancorp. San Rafael, Calif.	1.81	95,218	52,507	2.07
61	Bosshard Banco Ltd. La Crosse, Wis.	1.80	4,034	2,238	1.41
62	First Fabens Bancorp. Tex.	1.80	4,614	2,562	2.3
63	Durant Bancorp Okla.	1.80	24,858	13,819	2.42
64	North Fork Bancorp. Melville, N.Y.	1.80	552,996	307,514	1.75
65	Bank of Southside Virginia Corp. Carson	1.78	10,919	6,144	2.43
66	Lincoln Savings Bank Corp. Ill.	1.77	4,829	2,728	2.74
67	River Holding Co. Stoddard, Wis.	1.77	3,831	2,165	1.74
68	Cathay General Bancorp Los Angeles	1.77	86,813	49,149	1.5
69	Bosshard Financial Group La Crosse, Wis.	1.75	2,434	1,387	1.46
70	First National Corp. Picayune, Miss.	1.75	4,796	2,736	5.03
71	Royal Bancshares of Pennsylvania Inc. Narberth	1.73	20,033	11,584	1.69
72	Citizens Bancorp of Winfield Ala.	1.73	2,544	1,472	1.7
73	Countryside Financial Services Walworth, Wis.	1.72	3,337	1,937	2.05
74	Gato Holdings Inc. Thief River Falls, Minn.	1.72	3,553	2,063	2.02
75	Bank of Highland Park Financial Ill.	1.70	8,924	5,260	1.29
76	UCBH Holdings Inc. San Francisco	1.69	86,283	50,931	1.45
77	Albany Bancshares Inc.	1.68	4,622	2,752	2.06
78	Olney Bancshares of Texas Tex.	1.68	10,448	6,224	2.14
79	New Tripoli Bancorp Inc. Pa.	1.68	3,432	2,048	1.49
80	S&T Bancorp Inc. Indiana, Pa.	1.66	54,358	32,845	1.84
81	Liberty Bancshares Inc. Alton, Ill.	1.65	2,552	1,547	1.66
82	Heritage Group Inc. Aurora, Neb.	1.63	8,471	5,209	1.92
83	Prophetstown Banking Co. Ill.	1.62	3,336	2,058	1.35
84	Chambers Bancshares Inc. Danville, Ark.	1.62	14,202	8,789	2.1
85	Giant Holdings Inc. Fort Lauderdale, Fla.	1.61	3,484	2,163	1.45
86	Warren County Bancshares Warrenton, Mo.	1.61	4,661	2,895	2.1
87	Triangle Financial Group Inc. Loganville, Ga.	1.61	5,859	3,645	2.09
88	First State Bancshares Inc. Scottsbluff, Neb.	1.60	5,935	3,703	2.16
89	Quail Creek Bancshares Inc. Oklahoma City	1.60	6,778	4,247	2.53
90	Norlo Inc. Prior Lake, Minn.	1.59	3,641	2,283	5.91
91	CAB Holding LLC Wilmington, Del.	1.59	6,676	4,199	1.82
92	Florida Community Banks Inc. Immokalee	1.58	12,242	7,729	2.07
93	Brighton Bancorp Salt Lake City	1.57	6,176	3,922	3.88
94	U.S. Bancorp Minneapolis, Minn.	1.57	4,166,800	2,650,200	2.17
95	Mauston Bancorp Inc. La Crosse, Wis.	1.57	4,656	2,962	2.78
96	North West Bancshares Inc. Chippewa Falls, Wis.	1.56	4,914	3,142	1.77
97	Community Bancshares Marysville, Kan.	1.55	3,232	2,082	1.46
98	Cornerstone Financial Services Group Ottumwa, Iowa	1.55	4,079	2,630	1.44
99	East Alabama Financial Group Wedowee	1.55	2,815	1,819	2.2
100	American National Corp. Omaha	1.53	27,744	18,122	2.06
101	Hometown Community Bancorp Morton, Ill.	1.53	12,412	8,119	1.17
102	Stockman Financial Corp Miles City, Mont.	1.52	22,370	14,705	2.35
103	Citizens Bankshares Inc. Farmington, N.M.	1.52	9,926	6,535	2.26
104	Wisconsin Bank Services Inc. Black River Falls	1.51	3,293	2,178	1.82
105	Northpointe Bancshares Inc. Grand Rapids, Mich.	1.51	5,164	3,421	2.83
106	Starion Bancorp. Bismarck, N.D.	1.51	8,100	5,371	2.02
107	First McMinnville Corp. Tenn.	1.49	4,650	3,118	1.5
108	Carlsbad Bancorp. Inc. N.M.	1.49	4,091	2,746	2.25
109	First Bemidji Holding Co. Minn.	1.49	6,604	4,444	1.85
110	W.S.B. Inc. Washington, Iowa	1.49	2,527	1,701	1.5
111	INB Financial Corp. McAllen, Tex.	1.48	14,816	10,003	1.74
112	NSB Holding Corp. Staten Island, N.Y.	1.47	16,256	11,085	1.09
113	Hansen Bancorp. Lawler, Iowa	1.46	2,013	1,375	1.61
114	Western Commerce Bancshares Carlsbad, N.M.	1.46	5,956	4,069	2.27
115	Citizens Bank Group Inc. St. James, Minn.	1.46	3,682	2,522	2.18
116	West Financial Inc. El Paso, Tex.	1.45	11,900	8,181	2.09
117	Cache Valley Banking Co. Logan, Utah	1.45	2,879	1,981	1.83
118	Waseca Bancshares Inc. Minn.	1.45	3,231	2,229	1.48
119	Berco Inc. Bennington, Kan.	1.45	4,899	3,384	1.85
120	Prairie Financial Corp. Bridgeview, Ill.	1.44	6,901	4,788	1.79
121	Arkansas National Bancshares Rogers	1.44	14,899	10,356	2.69
122	Citizens National Bancorp Putnam, Conn.	1.44	4,062	2,824	1.62
123	Calvin B. Taylor Bankshares Berlin, Md.	1.44	5,613	3,903	1.42
124	Western Springs Bancorp Inc. Hoffman Estates, Ill.	1.44	3,415	2,375	1.89
125	Iowa State BHC Des Moines	1.44	6,200	4,313	2.58
126	ITLA Capital Corp. La Jolla, Calif.	1.43	30,625	21,444	1.5
127	Primebank Inc. Le Mars, Iowa	1.43	3,687	2,583	1.79
128	Community Banks of Georgia Jasper	1.42	1,955	1,373	6.4
129	International Bancshares Corp. Laredo, Tex.	1.42	119,032	83,631	1.42
130	United Bancorp. of Wyoming Jackson	1.42	20,756	14,591	2.24
131	Hayward Bancshares Eau Claire, Wis.	1.42	4,010	2,829	1.56
132	Manhattan Banking Corp. Manhattan, Kan.	1.42	5,078	3,586	1.2
133	GNB Bankshares Corp. Grundy, Va.	1.42	3,260	2,303	1.42
134	Easter Enterprises Inc. Spencer, Iowa	1.41	3,264	2,308	1.71
135	Warren Bancorp Inc. Mich.	1.41	5,407	3,830	1.14
136	Fairfield Bancshares Inc. Ill.	1.41	3,025	2,144	1.3
137	United Bankshares Inc. Charleston, W.Va.	1.41	97,762	69,532	1.53
138	High Point Financial Services Forreston, Ill.	1.40	2,295	1,637	1.18
139	Pinnacle Financial Corp. Elberton, Ga.	1.40	8,729	6,240	2.35
140	First Sleepy Eye Bancorp Inc. Sioux Falls, S.D.	1.40	4,585	3,279	1.82
141	Magnolia Banking Corp. Ark.	1.40	7,894	5,653	1.81
142	Penns Woods Bancorp Inc. Jersey Shore, Pa.	1.40	11,083	7,937	2.05
143	Bridge Bancorp Inc. Bridgehampton, N.Y.	1.39	10,377	7,456	1.91
144	Independent Bancorp. Ltd. Little Chute, Wis.	1.39	2,416	1,736	1.78
145	First Keystone Corp. Berwick, Pa.	1.39	6,787	4,882	1.38
146	Bethany Bankshares Inc. Mo.	1.38	2,247	1,624	7.27
147	City National Bankcorp Inc. Metropolis, Ill.	1.38	2,266	1,643	2.45
148	American Bank Inc. Allentown, Pa.	1.38	3,166	2,298	0.63
149	Peoples Bancorp. Inc. Winfield, Ala.	1.38	2,816	2,046	1.82
150	Walker Ban Co. Walker, Minn.	1.38	7,172	5,215	2.37

* Only domestic holding companies that file Y-9C reports with the Fed are included.

Source: Highline Banking Data Services (877-305-6657)