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
On Dec. 31, 2005. Dollars in thousands*
Published June 1, 2006
      Salaries and
benefits
Return on
average assets
    Multiple Net income
1 Amboy Bancorp. Old Bridge, N.J. 5.69 $81,824 $14,377 3.21%
2 Dairyland Bank Holding Corp. La Crosse, Wis. 4.38 5,646 1,289 2.73
3 Pawnee Holding Co. Inc. Tulsa 4.29 7,258 1,691 2.44
4 SBT Bancshares Inc. Irving, Tex. 4.27 8,840 2,072 4.39
5 Vermillion Bancshares Inc. Minn. 4.06 11,245 2,772 3.61
6 Elgin Bancshares Inc. Ill. 3.78 8,871 2,344 2.91
7 W Holding Co. Inc. Mayaguez, Puerto Rico 3.49 168,168 48,238 1.1
8 InvestorsBancorp Inc. Waukesha, Wis. 3.46 6,279 1,814 2.34
9 SBC Inc. Countryside, Ill. 3.43 31,717 9,238 3.27
10 First Financial Holdings MHC Renton, Wash. 3.37 9,074 2,691 1.14
11 Hershenhorn Bancorp. Inc. Palatine, Ill. 3.24 18,149 5,593 3.67
12 Intervest Bancshares Corp. New York 3.18 18,184 5,726 1.2
13 Corus Bankshares Inc. Chicago, 3.16 137,229 43,470 2.09
14 Farmers and Merchants Agency Inc. Pierz, Minn. 2.77 4,735 1,710 NA
15 Dentel Bancorp. Victor, Iowa 2.74 5,077 1,856 2.3
16 Five Star Bancorp Rocklin, Calif. 2.7 5,850 2,167 2.76
17 Stockmans Financial Group Elk Grove, Calif. 2.66 9,429 3,550 2.75
18 United National Corp. Sioux Falls, S.D. 2.64 268,116 101,490 24.65
19 Hayward Bancshares Inc. Eau Claire, Wis. 2.55 7,417 2,906 2.59
20 Community Bank Corp. Park Ridge, Ill. 2.5 4,387 1,757 2.4
21 Forstrom Bancorp. Inc. Clara City, Minn. 2.49 8,146 3,273 2.07
22 Neffs Bancorp Inc. Pa. 2.47 3,072 1,242 1.46
23 New Era Bancorp. Inc. Fredericktown, Mo. 2.46 5,309 2,160 2.42
24 INB Financial Corp. McAllen, Tex. 2.42 28,192 11,658 2.8
25 Yellowstone Holding Co. Columbus, Mont. 2.38 10,776 4,534 3.46
26 F.B.H. Corp. Fayette, Ala. 2.36 3,909 1,654 2.34
27 Royal Bancshares of Pennsylvania Inc. Narberth 2.36 32,053 13,592 2.55
28 Washington First Financial Group Inc. Seattle 2.34 9,614 4,113 1.83
29 Florida Community Banks Inc. Immokalee 2.32 18,218 7,851 2.29
30 High Point Financial Services Inc. Forreston, Ill. 2.32 4,022 1,735 1.83
31 Lakeside Bancorp Inc. Chicago 2.3 19,026 8,277 2.89
32 Germantown Banc Corp. Ill. 2.28 4,218 1,849 1.55
33 Stearns Financial Services Inc. St. Cloud, Minn. 2.26 50,481 22,302 3.66
34 Farmers National Bancorp of Cynthiana Inc. Ky. 2.26 3,965 1,758 2.24
35 Beverly Hills Bancorp Inc. Calabasas, Calif. 2.25 14,848 6,610 NA
36 First Fabens Bancorp. Inc. Fabens, Tex. 2.24 6,111 2,727 2.98
37 Corn Belt Bancorp Inc. Pittsfield, Ill. 2.19 3,243 1,484 1.38
38 Fidelity Holding Co. Minnetonka, Minn. 2.17 1,075 496 NA
39 First Illinois Bancorp Inc. East Saint Louis 2.15 8,538 3,975 2.55
40 Pueblo Bancorp. Colo. 2.12 15,456 7,280 4.31
41 New York Community Bancorp Inc. Westbury 2.11 292,085 138,115 1.17
42 Coastal Bancshares Inc. Pearland, Tex. 2.05 6,236 3,049 2.89
43 Bosshard Banco Ltd. LaCrosse, Wis. 2.03 4,475 2,200 1.51
44 Lincoln Savings Bank Corp. Ill. 2.02 5,478 2,706 3.17
45 Westamerica Bancorp. San Rafael, Calif. 2.01 107,441 53,460 2.09
46 Thornton Holding Co. Inc. Douglasville, Ga. 2.01 8,342 4,160 2.64
47 Alikat Investments Inc. Gurnee, Ill. 2 7,239 3,627 1.42
48 East West Bancorp Inc. Pasadena, Calif. 1.99 108,380 54,463 1.55
49 Security Bancshares Co. Glencoe, Minn. 1.98 7,018 3,538 2.11
50 Cathay General Bancorp Inc. Los Angeles 1.98 104,091 52,571 1.69
51 Triangle Financial Group Inc. Loganville, Ga. 1.96 7,990 4,076 2.25
52 PTB Corp. Salem, Ore. 1.96 7,048 3,599 2.72
53 Heritage Group Inc. Aurora, Neb. 1.95 9,498 4,859 2.18
54 West Bancorp. Inc. West Des Moines 1.95 20,075 10,308 1.68
55 Banking Corp. of Florida Naples 1.94 5,124 2,635 1.58
56 Olney Bancshares of Texas Inc. 1.93 16,727 8,650 2.24
57 Nextier Inc. Butler, Pa. 1.93 25,089 12,987 5.33
58 Nekoosa Port Edwards Bancorp. Inc. Wis. 1.92 2,360 1,226 1.37
59 First State Bancshares Inc. Scottsbluff, Neb. 1.91 6,905 3,623 2.47
60 Norlo Inc. Prior Lake, Minn. 1.87 4,636 2,482 2.87
61 City National Bancshares Inc. Miami 1.86 61,792 33,251 2.24
62 Ameri-National Corp. Overland Park, Kan. 1.86 52,256 28,148 10.54
63 Gato Holdings Inc. Thief River Falls, Minn. 1.85 3,976 2,145 2.2
64 First National Corp. of Picayune Miss. 1.82 5,232 2,871 3.02
65 Security Financial Services Corp. Durand, Wis. 1.82 4,212 2,312 1.62
66 Hillcrest Bancshares Inc. Overland Park, Kan. 1.8 17,540 9,771 1.33
67 Bank of Southside Virginia Corp. Carson 1.79 10,979 6,122 2.39
68 First National Talladega Corp. Ala. 1.79 4,708 2,629 1.79
69 Bosshard Financial Group Inc. La Crosse, Wis. 1.79 2,520 1,410 1.47
70 Sterling BancGroup Inc. Lantana, Fla. 1.76 7,389 4,187 2.65
71 Stockman Financial Corp. Miles City, Mont. 1.76 28,430 16,154 2.7
72 Converse County Capital Corp. Douglas, Wyo. 1.75 3,605 2,057 1.97
73 Kremlin Bancshares Inc. Okla. 1.74 3,812 2,185 2.49
74 Hemet Bancorp Riverside, Calif. 1.73 8,710 5,041 2.34
75 First Bancshares Corp. Gladstone, Mich. 1.73 4,300 2,491 2.73
76 North Fork Bancorp. Inc. Melville, N.Y. 1.73 948,847 549,981 1.59
77 Austin Colony Inc. Lake Jackson, Tex. 1.72 2,543 1,477 1.38
78 Security Pacific Bancorp Los Angeles, Calif. 1.72 10,781 6,266 2.43
79 United Bankshares Inc. Charleston, W.Va. 1.71 100,409 58,677 1.55
80 Lincolnwood Bancorp Inc. Ill. 1.71 8,289 4,847 3.81
81 Alliance Financial Services Inc. St. Paul 1.71 14,969 8,776 2.67
82 Community Bancshares of Marysville Inc. Kan. 1.7 3,712 2,186 1.59
83 Brighton Bancorp Salt Lake City 1.7 6,757 3,982 4
84 Giant Holdings Inc. Fort Lauderdale, Fla. 1.69 3,491 2,063 1.25
85 Wisconsin Bank Services Inc. Black River Falls 1.68 3,785 2,255 1.93
86 S&T Bancorp Inc. Indiana, Pa. 1.68 58,243 34,716 1.92
87 Parke Bancorp Inc. Sewell, N.J. 1.68 3,494 2,085 NA
88 First BanCorp San Juan, Puerto Rico 1.67 169,420 101,209 0.94
89 American National Bancorp Inc. Appleton, Wis. 1.67 2,135 1,279 1.28
90 Manhattan Banking Corp. Manhattan, Kan. 1.66 6,557 3,941 1.37
91 Putnam Bancshares Inc. Hurricane, W.Va. 1.66 6,495 3,912 1.41
92 Calvin B. Taylor Bankshares Inc. Berlin, Md. 1.66 6,798 4,097 1.71
93 Farmers Enterprises Inc. Great Bend, Kan. 1.64 8,429 5,134 1.77
94 UCBH Holdings Inc. San Francisco 1.64 98,681 60,152 1.41
95 Gwinnett Commercial Group Inc. Lawrenceville, Ga. 1.64 7,967 4,865 1.86
96 Grace Investment Co. Inc. Alva, Okla. 1.64 4,180 2,554 1.71
97 Columbian Financial Corp. Overland Park, Kan. 1.63 6,993 4,282 2.07
98 Countryside Financial Services Inc. Walworth, Wis. 1.63 3,419 2,096 2.01
99 Pella Financial Group Inc. Iowa 1.63 2,964 1,819 NA
100 Saint Martin Bancshares Inc. Saint Martinville, La. 1.63 4,219 2,595 2.45
101 Chambers Bancshares Inc. Danville, Ark. 1.61 14,951 9,259 2.1
102 Sun Financial Corp. Saint Peters, Mo. 1.61 8,143 5,046 2.08
103 Big Sandy Holding Co. Longmont, Colo. 1.61 13,532 8,405 1.71
104 River Holding Co. Stoddard, Wis. 1.6 4,118 2,567 1.73
105 BNA Bancshares Inc. New Albany, Miss. 1.6 5,710 3,565 NA
106 U.S. Bancorp Minneapolis 1.6 4,489,000 2,811,000 2.21
107 United Bancorp. of Wyoming Inc. Jackson 1.59 26,635 16,743 2.41
108 First Bemidji Holding Co. Minn. 1.58 7,254 4,595 1.94
109 Magnolia Banking Corp. Ark. 1.58 9,486 6,021 1.95
110 Prairie Financial Corp. Bridgeview, Ill. 1.57 9,072 5,778 1.87
111 American National Corp. Omaha 1.57 29,228 18,629 1.89
112 Quail Creek Bancshares Inc. Oklahoma City 1.57 7,220 4,607 2.43
113 Citizens Bankshares Inc. Farmington, N.M. 1.56 10,940 7,006 2.24
114 Northern Empire Bancshares Santa Rosa, Calif. 1.56 17,247 11,078 1.48
115 Southern National Corp. Andalusia, Ala. 1.55 4,810 3,096 2.09
116 First Alamogordo Bancorp of Nevada Inc. Reno 1.55 5,215 3,372 1.91
117 RSNB Bancorp Rock Springs, Wyo. 1.55 5,750 3,721 2.26
118 PDS Bancorp Inc. Prairie Du Sac, Wis. 1.54 3,660 2,369 1.76
119 Peoples Bancorp Inc. Prairie Du Chien, Wis. 1.54 4,135 2,683 1.57
120 Stockton Bancshares Inc. Kan. 1.54 3,789 2,459 2.57
121 East Alabama Financial Group Inc. Wedowee 1.54 3,126 2,030 1.82
122 Montana Security Inc. Havre, Mont. 1.54 4,935 3,210 1.72
123 Edmonton Bancshares Inc. Ky. 1.54 6,771 4,410 2.23
124 First National Bancorp Inc. Green Forest, Ark. 1.54 6,469 4,214 2.05
125 Hanmi Financial Corp. Los Angeles 1.54 58,229 37,934 1.79
126 Hansen Bancorp. Lawler, Iowa 1.53 2,283 1,488 1.34
127 Bank of Highland Park Financial Corp. Ill. 1.53 8,579 5,600 1.09
128 NW Bancshares Inc. Chippewa Falls, Wis. 1.53 5,170 3,379 1.79
129 Pinnacle Financial Corp. Elberton, Ga. 1.53 9,977 6,537 2.6
130 Independent Bancorp. Ltd. Little Chute, Wis. 1.52 2,668 1,760 1.5
131 Heritage Community Bancorp. Inc. Riverdale, Ill. 1.51 7,301 4,840 2.4
132 City Holding Co. Charleston, W.Va. 1.5 50,288 33,478 2.1
133 New Tripoli Bancorp Inc. Pa. 1.5 3,493 2,330 1.49
134 West Financial Inc. El Paso, Tex. 1.5 13,592 9,088 2.19
135 First Mutual Bancorp of Illinois Inc. Harvey 1.49 8,537 5,715 1.26
136 Western Commerce Bancshares of Carlsbad Inc. N.M. 1.49 6,338 4,263 2.39
137 GNB Bankshares Corp. Grundy, Va. 1.48 3,564 2,412 1.52
138 Albany Bancshares Inc. Tex. 1.47 5,314 3,606 2.28
139 Inwood Bancshares Inc. Dallas 1.47 21,318 14,508 2.08
140 Business Bancshares Inc. Clayton, Mo. 1.47 3,912 2,668 1.24
141 Diamond Bancorp Inc. Washington, Mo. 1.46 11,523 7,868 2.54
142 Mauston Bancorp Inc. Wis. 1.46 4,617 3,161 2.54
143 Ida Grove Bancshares Inc. Iowa 1.45 12,057 8,291 1.83
144 Fidelity Corp. Burke, S.D. 1.45 5,414 3,729 2.57
145 Berco Inc. Bennington, Kan. 1.45 5,347 3,683 1.91
146 Frontenac Bancshares Inc. Earth City, Mo. 1.45 3,314 2,283 0.9
147 Cardinal Bancorp II Inc. Saint Louis 1.45 4,275 2,947 1.9
148 Wilshire Bancorp Inc. Los Angeles 1.45 27,760 19,144 1.92
149 WFC Inc. Waukon, Iowa 1.45 3,074 2,121 1.92
150 Hometown Community Bancorp Inc. Morton, Ill. 1.45 13,634 9,435 1.2


*Only domestic holding companies that file a Y-9C report with the Fed are included.
Source:

SNL Financial
, Charlottesville, Va.
© 2006 American Banker