The full text on this page is automatically extracted from the file linked above and may contain errors and inconsistencies.
G
w
AJc>, 71
1972
operating ratios
of second district member banks
FEDERAL RESERVE BANK of NEW YORK
FED ERAL RE SE RV E B AN K
OF N E W YORK
March 29, 1973
To A ll Mem ber Banks in the
Second Federal Reserve District:
Recently, your chief executive officer received a copy of your bank’s
1972 and 1971 individual operating ratios. We are now pleased to send
you this report on the 1972 operating ratios of member banks in the Second
Federal Reserve District, prepared by our Regulations and Bank Analysis
Department.
We believe you will find this report useful in analyzing your operating
performance and comparing it with the average results for banks of similar
size and character. The report also includes comparable 1971 operating
ratios.
If you have any questions about this report, or desire additional copies,
you may contact our Regulations and Bank Analysis Department.
A
lfred
H ayes,
President.
CONTENTS
T ables
Page
Income and Expenses of Second District Member Banks, 1971-1972.................................
2
1972 Average Operating Ratios of Member Banks in the Second Federal Reserve District
3
1972 Average Operating Ratios of Second District Member Banks —
With Deposits under $5 Million....................................................................................
4
With Deposits of &5 Million to $10 Million..................................................................
5
With Deposits of $10 Million to $50 Million................................................................
6
With Deposits of $50 Million to $150 Million..............................................................
8
With Deposits of $150 Million and Over......................................................................
9
Notes to tables......................................................................................................................
10
Explanatory Remarks
All ratios are expressed in percentages and are arithmetic
averages of the ratios of individual banks in each category,
rather than ratios based on aggregate dollar figures. Ratios
may not add to totals because of rounding. Condition report
figures used are averages of amounts reported for December
1971, June 1972, and December 1972.
On pages 4-9, each column headed “ Highest Quartile” in
dicates average ratios for those banks in the top 25 per cent,
but no less than three banks in order to maintain confiden
tiality, when ranked by the ratio of net income to total assets
(ratio 11). On page 4, in the table containing average operat-
deposits of under 50 per cent; accordingly, this ratio break
down is not shown in the table.
Income and Expenses of Second District Member Banks
1971-1972
(In millions of dollars)
All Second District
member banks
Item
Number of banks at year-end......................................
New York City
money market banks *
1972
1971
1972
1971
335
340
9
9
4 ,6 95 .0
4 ,516.2
2,909.7
438.5
542.3
239.2
All other Second District
member banks
1972
1971
326
331
2 ,878.4
1,785.3
1,637.8
289.9
199.3
252.4
C u r r e n t o p era tin g rev en u e:
On loans......................................................................
On U. S. Government securities...............................
................................................
On other securities
767.0
606.9
347.6
301.7
419 .4
305.2
.....................
153.4
151.8
56.1
55.1
97.3
96.7
Trust department earnings........................................
439.0
426.5
336.2
334.9
102.8
91.6
Other operating earnings...........................................
739.1
608.4
617.3
501.1
121.8
107.3
Total current operating revenue...................
7,2 32 .0
6,852.1
4,506.1
4,361.1
2,725.9
2,491.0
Salaries and wages—officers and employees............
1,432.2
1,392.0
885.3
874 .7
546.9
517.3
Pensions and other employee benefits......................
300.6
277.9
195.8
183.2
104.8
94.7
Interest on time and savings deposits......................
2,061.9
1,905.6
1,122.9
1,038.6
939.0
867.0
Interest on borrowed money .................................
Occupancy expenses of bank premises, net..............
Furniture and equipment—depreciation, rents, etc.
506.5
421.8
390.6
353.7
115.9
68 1
354.6
315.4
214.1
192.6
140.5
122.8
167.4
159.5
96.6
92.7
70.8
66.8
Provision for loan losses............................................
212.3
173.7
137.0
116 8
75.3
56.9
Other operating expenses..........................................
753.9
813.7
451.5
538.5
302.4
275.2
Total current operating expenses..................
5,789.4
5,459.6
3,4 93 .8
3 ,390.8
2,295.6
2,068.8
Net current operating earnings.................................
1,442.6
1,392.5
1,012.3
970 3
430.3
422.2
Applicable income taxes............................................
352.0
381.9
282.1
309.8
69.9
72.1
730.2
660.5
360.4
Service charges on deposit accounts
C u r r e n t o p era tin g exp en ses:
Income before securities gains or losses.........................
1,090.6
+
Net income before extraordinary items...................
Extraordinary charges or credits..............................
Net income ....................................................
+
3 .6
1,010.6
+
15.2
1,094.2
1,025.8
8 .8
6.7
1,103 .0
1,019.1
-
2.9
+
727.3
+
6.1
733.4
5.9
+
666.4
-
6.7
659.7
6 .5
366.9
+
350.1
+
9.3
359.4
2 .7
369.6
359.4
Source : Income and expenses are derived from the year-end Re-port of Income submitted by member banks in the Second Federal Reserve District.
* Deposits over $1 billion.
2
1 9 7 2 Average Operating Ratios of Member Banks in the Second Federal Reserve District
A ll other banks w ith d eposits o f—
D istrict
M em ber
B anks*
P R O F IT A B IL IT Y
M on ey
M ark et
B an k s**
U nd er
$5
M illion
$ 5-$10
M illion
$10-$ 5 0
M illion
$150
M illio n
a n d O ver
$ 50 -$ 1 5 0
M illion
1972
1971
1972
1971
1972
1971
1972
1971
1972
1971
1972
1971
1972
1971
325
335
9
9
23
32
40
39
131
147
62
52
60
56
7 .3 3
N u m b er o f b a n k s ..............
P e rc e n ta g e o f E q u ity C a p ita l In clu d in g A ll R e se rv e s
9 .2 3
9 .5 9
9 .3 8
1 0 .0 0
9 .0 5
9 .1 9
9 .1 9
5 .5 2
5 .8 2
6 .1 5
7 .0 7
7 .8 7
7 .9 1
8 .9 9
9 .6 1
1 0 .0 4
9 .4 0
1 0 .0 0
9 .2 9
9 .6 4
1 0 .5 7
1 1 .1 8
1 1 .0 6
1 1 .1 8
1 1 .1 3
1 1 .4 0
3 5 .4 4
3 5 .9 0
5 1 .4 8
6 5 .6 8
2 8 .6 4
3 2 .0 8
19.71
2 8 .6 7
3 0 .5 0
3 1 .3 1
3 6 .5 6
3 9 .6 2
5 5 .7 7
4 6 .9 4
6.02
6 .0 9
1 .4 7
2 .2 9
.2 5
1 .0 5
5 .0 7
.80
.85
4 .8 9
1 .2 8
1 .1 4
.26
1 .1 7
3 .8 6
.74
.75
5 .0 1
1 .3 3
1 .1 2
.25
1 .2 5
3 .9 6
.72
.7 3
5 .9 5
1 .5 6
2 .0 6
.21
1 .1 6
5 .0 0
.68
.71
5 .9 5
1 .6 4
2 .0 0
6 .0 6
1 .5 3
2 .2 6
.25
1 .0 0
5 .0 5
.7 6
.86
6 .0 9
1.3 6
2 .4 8
.23
1 .0 4
5 .1 2
.78
.81
6 .1 4
1 .4 2
2 .4 4
.22
1 .0 2
5 .1 2
.79
.84
6 .0 9
1 .4 4
2 .3 9
.27
6 .2 6
1 .4 6
2 .4 6
.27
1 .0 2
5 .2 3
.86
.91
6.10
.21
1 .1 2
4 .9 9
.64
.7 6
5 .9 9
1.5 6
2 .2 1
.24
1 .0 7
5 .0 9
.66
.71
6.02
1 .4 2
2 .3 0
.25
1 .0 8
5 .0 6
.77
.80
1 .4 3
2 .1 1
.29
1 .2 0
5 .0 5
.85
.8 5
1 .5 0
2 .1 1
.29
1 .1 3
5 .0 4
.8 7
.9 0
1 1 .4 5
1 2 .1 3
5 .2 1
5.9 1
1 8 .1 0
1 9 .4 5
1 6.02
1 6 .9 0
12.31
1 2 .4 0
8 .8 8
9 .0 6
7 .5 6
7 .7 5
3 .6 8
3 .3 5
1.01
1.3 3
1 .7 8
2 .5 5
4 .2 5
3 .4 6
4 .0 9
4 .2 3
3 .9 6
2 ,7 0
3 .2 1
2 .3 5
1 0 .4 2
1 .2 7
6 5 .0 6
1 0.31
7 .1 1
.67
63 .6 2
1.3 1
6 3 .8 7
6 .1 4
7 .0 2
1 .0 6
6 4 .5 5
7 .0 7
8 .1 4
1.8 1
6 3 .3 4
6 .3 2
1 0.72
1.5 7
6 4 .8 7
6 .4 0
1 0 .6 0
.8 8
6 4 .8 2
7 .0 4
1 1 .6 7
.86
6 5 .8 9
8 .7 1
11.71
.75
6 6 .7 1
9 .0 4
1 2 .1 2
1 .0 4
6 5 .2 1
1 0 .8 3
1 2 .3 6
.84
6 5 .6 4
2 1 .3 5
8 .0 6
1 .8 8
6 5 .1 5
5 .0 0
6.66
6 4 .9 6
8 .2 3
7 .2 8
.67
63 .27
2 2 .5 3
1 0 0 .0 0
100 .0 0
100 .0 0
100.00
10 0.00
10 0.00
1 0 0.00
100 .0 0
100.00
1 0 0 .0 0
1 0 0 .0 0
100 .0 0
1 0 0 .0 0
1 0 0 .0 0
3 .8 4
4 .2 3
3 .0 0
1 9 .9 7
3 .9 0
3 5 .0 3
2 .7 9
4 .9 5
2 .5 4
1 4 .5 4
8 3 .7 4
1 3 .4 0
4.2 1
3 .8 7
4 .1 5
3 .6 1
4 .5 3
4 .3 6
4 .4 1
4 .2 7
1 .0 7
—
—
2 .6 8
1 .6 6
.63
1 .2 8
2 .7 7
1 .3 3
9 .8 1
2 0 .1 7
2 3 .4 5
2 2 .3 4
1 9 .2 0
1 9 .9 3
2 5 .2 8
2 3 .0 1
2 0 .1 6
2 1 .9 7
2 .8 4
3 .5 0
3 .2 6
3 .0 7
3 .0 8
3 .4 7
2 .7 5
3 .0 0
4 .3 5
3 7 .0 2
3 9 .3 0
3 4 .5 7
3 7 .1 9
4 0 .9 1
3 9 .4 1
3 3 .4 6
3 9 .9 0
2 2 .5 6
.61
.23
.05
.05
.43
.07
.18
.74
8 .2 1
4 .4 4
3 .4 8
4 .2 6
4 .2 3
3 .7 9
3 .7 1
4 .3 9
3 .7 4
4 .9 4
1 .9 4
5 .1 2
1.6 3
1 .8 2
2 .2 9
2 .2 7
1 .5 5
3 .2 1
2 .7 5
1 4 .1 5
1 4 .2 3
1 6 .6 8
1 4 .5 8
1 4 .2 6
1 6 .0 5
1 4 .0 2
1 3 .8 6
14.39
8 4 .1 4
8 3 .9 3
8 3 .3 4
8 4 .6 0
8 5 .9 1
8 3 .9 9
8 3 .3 8
8 3 .2 6
7 9 .2 0
—
—
—
—
.23
.05
.17
.07
.71
1 5 .8 5
1 6 .0 6
1 6 .6 5
1 4 .0 8
1 6.01
16.73
1 6 .6 1
1 5 .3 9
2 0 .7 9
1 2 .9 2
1 3 .3 9
1 1 .4 5
1 0 .6 6
14.01
9 .9 9
1 2 .6 4
1 3 .0 8
1 4 .3 5
.75 - f 1 .4 5 +
.30 +
.62
.51 + 1 .8 9 +
.60 ■f
.82 +
+
.30 +
— —
.08 +
+
.13 +
.13
.01 +
.05 +
.04
.12
1 4 .2 4
1 3 .8 0
1 1 .9 6
1 1 .4 2
1 3.53
1 1 .7 5
1 4 .7 6
1 3 .9 7
14 .6 0
3 .9 8
2 .5 3
2 1 .0 2
3 .2 1
3 7 .5 5
.73
4 .1 0
2 .2 0
1 4 .3 4
8 3 .1 7
.14
1 6 .8 2
1 3 .1 8
+
.89
+
.04
1 4 .1 2
1 .0 5
9 .8 4
2 1 .5 4
4 .5 3
2 3 .5 7
8 .6 1
5 .3 8
2 .9 3
3 .7 2
2 .6 5
2 0 .3 6
.45
1 6 .2 5
1 4 .1 3
+
.26
.07
1 4 .3 2
2 .9 5
2 0 .7 8
3 .7 2
3 4 .6 6
1 .7 7
4 .8 4
2 .1 9
1 4 .4 7
8 2 .4 5
.41
1 7 .5 4
1 4 .7 0
+
.44
.0 1
1 5 .1 0
5 .6 7
5 .7 7
5 .6 7
5 .7 3
1 Income after taxes and before securities gains (losses)0 ..
9 .0 6
P e rc e n ta g e o f N e t In co m e
3. Cash dividends declared...........................................................
S O U R C ES A N D D IS P O S IT IO N O F IN C O M E
P e rc e n ta g e o f T o ta l A ssets
4.
S.
6.
7
8.
9.
10
Total operating in com e ...........................................................
Salaries, wages, and fringe benefits.......................................
Interest on deposits..................................................................
Net occupancy expense of bank premises...........................
All other operating expenses...................................................
Total operating expenses.........................................................
Income after taxes and before securities gains (losses)” . .
1.02
5 .1 4
.80
.83
P e rc e n ta g e o f T o ta l O p e r a t in g In co m e
12. Interest on U. S. Treasury securities...................................
13. Interest on securities of U. S. G ovt, agencies &
corporations............................................................................
14. Interest on obligations of States and political
subdivisions............................................................................
IS. Interest and dividends on all other securities....................
16. Interest and fees on loans4......................................................
17. All other operating incom e'....................................................
18.
Total operating incom e.......................................................
19
20.
21.
22.
23.
24.
25.
26.
27.
28.
29.
30
31.
32.
33.
34.
Service charges on deposit accountsd (part of item 1 7 ) ........
Trust department income4 (part of item 1 7 ) ..........................
Salaries and wages....................................................................
Officer and employee benefits.................................................
Interest on deposits................................................... ..............
Interest on borrowed m oney..................................................
Net occupancy expense of bank premises...........................
Provision for loan losses (n e t)................................................
All other operating expenses..................................................
Total operating expenses.....................................................
Interest on capital notes and debenturesd (part of item 27 ) . .
1.00
8 .0 9
3 .3 6
3 8 .1 1
1 .0 6
4 .2 0
2 .4 0
14.54
8 4 .0 7
.17
1 5 .9 2
12.91
+
.47
Income before taxes and securities gains (losses).............
Income after taxes and before securities gains (losses)0. .
Net securities gains ( + ) or losses ( —) after tax e ffe ct...
All other additions and subtractions (net)*........................ +
Net incom e..................................................................................
.01
1 2 .6 8
7 9 .2 6
.90
2 0 .7 3
1 4 .9 7
—
+
.16
15.13
1 1 .0 3
R A TES O F R ETU R N O N SECURITIES A N D L O A N S
R e tu rn o n S e c u ritie s/
35. Interest on U. S. Treasury securities...................................
36. Interest on securities of U. S. Govt, agencies &
corporations............................................................................
37. Interest on obligations of States and political
subdivisions............................................................................
38. Interest and dividends on all other securities....................
5 .3 1
5.6 1
5 .3 8
5 .4 7
5 .7 3
5 .8 5
5 .7 8
5 .8 6
5 .5 5
5 .7 0
5 .0 9
4 .8 4
6 .2 7
6 .0 9
2 .1 1
3 .5 8
3 .5 6
2 .9 0
5 .4 8
5 .4 0
5 .7 3
5 .0 5
5 .5 8
5 .0 0
4 .1 3
6 .8 5
4 .1 5
6 .7 0
4 .4 2
6 .5 9
4 .5 0
7 .7 3
4 .4 3
4 .8 0
3 .8 9
5 .3 2
3 .8 1
6 .3 9
4 .1 9
5 .6 0
4 .2 4
7 .2 0
4 .2 1
7 .2 8
4 .0 6
7 .5 7
4 .1 0
6 .8 3
4 .0 0
6 .4 5
4 .1 1
6 .4 6
6 .4 5
.48 -
7 .8 8
7 .8 0
.33 -
8 .1 4
.14 -
7 .9 1
.1 6 -
7 .7 5
.26 -
7 .7 5
.25 -
7 .6 5
.23 -
7 .7 3
R e tu rn o n Loans*!
39. Interest and fees on loans.......................................................
40. Net losses ( — ) or recoveries ( + ) on loans.........................
-
7 .6 8
.27
-
7 .7 0
.2 6
5 .9 8
-
.17
-
.50 -
.21
-
7 .4 7
.32
-
7 .5 5
.33
D IS T R IB U T IO N O F A S SETS
P e rc e n ta g e o f T o ta l Assets
41.
42.
43
44.
U. S. Treasury securities'........................................................
Securities of other U. S. G ovt, agencies & corporations'.
Obligations of States and political subdivisions'...............
All other securities'...................................................................
46. Cash assets..................................................................................
47. Real estate assets......................................................................
1 2 .6 9
3 .2 0
1 4 .8 9
.92
5 4 .3 1
1 1 .4 9
1 .5 3
4 .7 1
.88
7 .9 3
.50
5 1 .1 7
2 7 .7 8
1.0 1
5 .2 0
1.0 4
7 .8 0
.44
4 9 .2 7
2 8 .8 9
1 .0 1
1 9 .5 9
1 .6 3
1 0 .1 2
1 .9 2
5 3 .3 5
1 2 .1 3
.98
2 1 .1 5
2 .5 0
9 .5 5
1 .4 0
5 2 .4 1
1 1 .4 6
1 .2 7
2 0 .2 5
2 7 .9 5
1 2 .6 0
3 5 .7 7
3 .2 6
2 0 .8 8
2 8 .0 0
1 2 .0 7
7 .7 2
.07
5 0 .6 5
8 .4 0
3 3 .1 3
6 .6 6
.05
5 6 .1 7
7 .8 9
2 9 .2 0
3 6 .6 0
1 1 .6 3
1 3 .8 7
2 6 .6 3
1 1 .2 4
3 4 .0 4
11 .3 7
1 5 .8 7
2 7 .7 8
10.91
3 5 .7 9
4 .8 1
1 4 .9 7
2 7 .8 3
8 .8 5
5 9 .5 6
9 .1 5
5 8 .6 3
8 .7 7
3 3 .3 6
8 .5 1
2 9 .8 9
11 .5 7
5 6 .1 3
4 .3 7
10.51
7 .3 9
4 .4 4
4 .3 4
2 2 .8 5
5 .9 8
4 .7 5
2 6 .4 9
6 .4 2
4 .0 4
14.31
7 .4 3
2 9 9 ,9 9 4
7,730,996
834 ,1 0 9
1 2 .0 6
3 .5 3
1 4 .9 8
1 .1 0
5 4 .5 1
1 1 .2 1
1 .5 5
1 7 .4 0
1 7 .3 7
3 .6 7
1 1 .4 5
1 .7 3
5 2 .3 6
1 1 .5 5
1 .5 7
3 .9 5
15 .2 4
1 .2 8
5 4 .8 0
9 .8 3
1 .5 4
.77
5 4 .6 3
1 0 .4 6
1 .5 4
3 .7 6
1 7 .4 4
.78
5 5 .0 8
1 0 .6 7
1 .7 0
16 .5 8
3 6 .3 0
5 .6 8
1 6 .0 1
2 8 .4 7
1 3 .5 1
3 8 .9 1
3 .0 6
1 7 .8 8
2 9 .2 0
1 0 .9 3
3 8 .8 3
2 .9 3
18 .2 4
2 8 .9 3
1 1 .0 5
12 .6 5
5 4 .6 3
1 0 .4 6
6 0 .0 1
1 0 .2 2
5 8 .6 1
8 .5 2
6 2 .8 6
2 0 .8 5
7 .5 8
4 .0 1
2 4 .6 3
7 .5 7
4 .2 3
17.83
7 .5 3
4 .3 6
2 0 .0 7
7 .5 4
7 ,3 5 7 ,3 0 1
3 ,4 7 6
3 ,2 9 1
2 4 ,7 7 8
2 4 ,7 1 5
465
505
7 ,5 1 1
925
7 ,0 7 3
7 7 4,200
811
2 ,3 2 8
2 ,3 3 6
4 .1 7
1 0 .0 8
1 .0 0
5 3 .6 2
1 1 .4 5
1 .6 9
1 2 .6 9
1 2.81
3 .9 3
15.21
1 7 .6 9
7 .9 0
3 .0 7
1 8 .0 3
.72
5 5 .8 5
1 0 .6 4
1 .7 0
.91
5 4 .8 5
1 1 .7 7
1 .6 3
3 7 .9 9
1 .3 6
2 0 .8 2
2 9 .9 4
9 .8 7
3 7 .4 6
1 .0 5
2 0 .8 9
3 0 .6 4
9 .9 4
3 2 .8 7
.34
2 6 .2 5
2 6 .6 8
1 3 .8 3
3 1 .4 6
.40
‘ 2 8 .3 7
2 6 .1 2
1 3 .6 4
8 .6 5
6 1 .9 9
8 .1 8
6 1 .2 9
8 .4 9
6 1 .7 7
8 .1 8
5 5 .5 0
8 .4 8
5 3 .8 1
4 .4 4
4 .4 5
1 4 .7 8
7 .4 2
4 .4 0
7 .4 2
4 .5 4
12 .5 7
7 .4 2
4 .4 3
9 .5 0
7 .3 4
4 .5 7
9 .1 8
7 .3 5
4 9 1 ,7 4 6
4 6 3 ,7 7 5
4 4 ,1 8 5
4 3 ,1 6 0
9 .5 7
9 .8 2
8 .1 3
2 .2 9
1 8 .0 0
.7 2
5 5 .3 2
1 2 .1 9
1 .5 6
D IS T R IB U T IO N O F L O A N S
P e rc e n ta g e o f G ro ss L o a n s b
48.
49.
50.
51.
52.
Real estate loans.......................................................................
Loans to farmers........................... .. ..........................................
Commercial and industrial loans ........................................................
Consumer loans to individuals ..............................................................
All other loans6..................................................................................................
36 .2 1
2 .9 7
O TH E R R A T IO S
53 Total capital accounts and reserves to total assets'*..............
54 Time and savings deposits to total deposits......................
55. Interest on time and savings deposits to total time
56 Income taxes to net income plus income taxes.................
57 Interest and fees on loans excluding Federal funds..........
7 .4 0
5 .7 1
7 .5 4
7 7 ,6 8 7
7 ,0 8 3
8 2 ,6 2 5
7 ,9 2 3
IN T H O U S A N D S O F D O L L A R S
58. Average total deposits..............................................................
59 Average equity capital including all reserves....................
330,851
3 3 ,6 9 2
3 0 ,4 1 2
Notes are on page 10.
3
Member Banks with Deposits under $ 5 Million
T im e d eposits to tota l d eposits
60 per cent and U nder
G roup
A verage
P R O F IT A B IL IT Y
O ver 60 per cent
H ighest
Q uartile
G rou p
A verag e
YOUR
BANK
H ighest
Q uartile
1972
1971
1972
1972
1971
1972
16
16
5
7
10
3
N um ber o f b a n k s .. . .
P e rc e n ta g e o f E q u ity C a p ita l In clu d in g A ll R e se rv e s
2. N et incom e.....................................................................................................................................
4 .9 9
5 .1 6
7 .5 9
8 .7 5
2 9 .7 8
3 3 .5 5
2 1 .0 3
2 .0 4
.16
20
6 .7 5
7 .3 6
4 .6 5
9 .7 6
2 6 .0 6
2 4 .5 7
3 2 .7 4
P e rc e n ta g e o f N e t In co m e
3. Cash dividends declared..............................................................................................................
S O U R C E S A N D D IS P O S IT IO N O F IN C O M E
P e rc e n ta g e o f T o ta l Assets
4. Total operating incom e..................................................................................................................
5. Salaries, wages, and fringe benefits...........................................................................................
6. Interest on deposits............................................................................................................................
5 .9 0
i
1 .9 0
.20
1 .2 1
1 .5 4
.2 0
1.00
9. Total operating expenses..................................................................................................................
.67
4 .8 4
.91
1 .0 8
4 54
s in
1 .2 7
1 .2 7
an
.80
1 9 .3 5
1 1 .6 9
5 .6 1
.31
.3 9
-o
1 .0 5
1 .1 9
P e rc e n ta g e o f T o ta l O p e r a t in g In co m e
13. Interest on securities of U. S. Govt, agencies &
2 .6 2
4 .2 6
2 .5 4
.61
1 1 .2 8
2 .7 6
6 5 .2 0
4 .8 1
o .82
’fn
6
8 .1 7
1 .2 3
6 5 .9 4
5 .5 8
1 4 .0 5
5 .5 2
6 .2 6
1 .1 9
6 4 .6 8
5 .9 0
1 0 0.00
1 0 0.00
100 .0 0
in n nn
4 .0 8
4 .3 0
3 .3 6
2 .5 6
2 5 .1 6
3 .0 0
3 2 .1 4
.12
3 .3 3
6 .8 8
1 3 .5 7
8 4 .2 0
2 3 .7 0
3 .0 8
3 4 .1 9
.04
2 .8 0
4 .0 1
1 2 .8 9
2 2 .8 8
3 .2 0
3 1 .9 8
.02
3 .3 5
.6 4
11 .7 6
7 3 .8 6
14. Interest on obligations of States and political
19. Service charges on detoosit accounts'* (■bart nf item 1 7 ) ........ .........
+
34. Net in co m e .............................................................................................................................................
1 5 .8 0
1 1 .0 3
-24
1 1 .2 7
8 0 .7 5
1 9 .2 3
1 4 .1 1
+ 2 .3 3
.05
1 6 .3 8
2 6 .1 3
2 0 .9 5
.07
o'fi2
1 00 .0 0
9 VI
48
3 .8 4
1 .0 9
8 3 .3 5
+
2 0 .8 7
12 43
1 .1 2
6 4 .7 0
4 .2 9
+
3 .3 8
2 .5 1
2 3 .4 7
2 .2 7
4 2 .2 9
.1 2
3 .4 5
3 .3 4
17 .8 4
9 2 .8 3
1 8.31
3 .7 9
4 2 .3 8
1 .6 2
1 17
19 98
la
7
9 .3u4
+
1 7 .0 5
2 .2 4
1 3 .5 4
R A TES O F R ETU R N O N SECURITIES A N D L O A N S
R e tu rn o n S e c u ritie s /
5 .3 9
5 .2 7
5 .5 3
5 .3 8
1 .9 7
3 .3 0
3 .6 4
2 .4 6
4 .4 9
5 .1 3
3 .7 8
5 .3 7
6 .0 8
4 .3 0
4 .0 6
4 .6 0
5 .0 4
7 .8 2
.22
7 .5 0
36. Interest on securities of U. S. G ovt, agencies &
37. Interest on obligations of States and political
5 .9 3
5 .1 7
2 .8 2
5 .5 1
3 .0 7
R e tu rn o n Loa n s£
39. Interest and fees on lo a n s ...................................................................
40. N et losses ( —) or recoveries ( + ) on lo a n s .....................................................................................
-
7 .9 1
.62
-
8 .0 4
.36
-
.26
-
-
8 .3 7
.20
D IS T R IB U T IO N O F A SSETS
P e rc e n ta g e o f T o ta l Assets
41. U. S. Treasury securities-^...............................................................................................................
43. Obligations of States and political subdivisions^........................................................................
1 7 .7 7
2 .0 6
1 0 .1 5
1 .2 8
5 4 .4 9
1 3.09
2 1 .2 8
2 .4 9
9 .8 7
1 .3 1
5 1 .6 1
1 2 .2 1
.9 9
19 1A
77
.77
3 6 .0 1
1 1 .1 5
11.21
2 7 .7 9
1 3 .8 5
3 6 .2 9
1 3 .1 8
1 2 .7 1
14 70
12
3 0 .7 2
7 .0 8
1 1 .0 7
5 2 .0 1
2 3 .7 5
.64
1 0 .0 7
3 .3 8
5 0 .7 8
9 .9 5
.98
1 7 .3 3
1 8 .7 5
1 .4 2
1 0 .9 7
1 .5 6
5 6 .6 7
8 .9 2
1 .5 1
1 5 .2 4
1 .8 1
5 2 .1 7
9 .9 4
.42
33 45
1 4 .9 3
3 7 .9 5
1 2 .7 6
1 9 .9 8
2 4 .0 1
5 .2 8
3 3 .5 3
9 .6 2
1 6 .3 5
2 9 .2 9
1 1 .1 9
3 5 .5 8
1 5 .1 9
1 5 .1 0
2 2 .0 3
1 2 .0 8
1 1 .3 0
5 6 .0 4
1 1 .8 4
5 5 .0 1
oo •oo
7 .5 6
2 4 .9 4
7 .7 6
4 .1 0
1 8 .3 7
7 .7 9
1 8 .7 3
7 .6 6
1 9 .7 5
7 .3 4
4 .5 3
1 6 .6 0
8 .1 5
3 ,5 7 0
441
3 ,4 0 5
435
3 ,3 1 1
434
3 ,2 6 2
3 ,1 4 3
452
3 ,3 1 2
408
1 *2
9 91
D IS T R IB U T IO N O F L O A N S
P e rc e n ta g e o f G ro s s Loa n s b
O T H E R R A T IO S
I2 '7*
67 01
55. Interest on time and savings deposits to total time
3 .9 0
IN T H O U S A N D S O F D O L L A R S
Notes are on page 10.
4
519
1 0 0 .0 0
Member Banks with Deposits of $ 5 Million to $ 1 0 Million
T im e d eposits to to ta l d eposits
5 0 -6 0 per cen t
U n d er 50 per cent
P R O F IT A B IL IT Y
G roup
A verag e
H ighest
Q uartile
G rou p
A verage
1972
1971
1972
1972
6
5
3
11
N u m b er o f b a n k s .........
O ver 60 p er cen t
H ighest
Quartile
1971
G rou p
A verag e
1972
1972
3
23
13
YOUR
BANK
H igh est
Q uartile
1972
1971
21
6
P e rc e n ta g e o f E q u ity C a p ita l In clu d in g A ll R e serve s
1. Income after taxes and before securities gains (losses)0. .
3 .5 9
3 .8 6
7 .2 5
8 .7 8
8 .1 8
8 .6 2
9 .9 8
1 0.79
6 .9 4
7 .9 7
1 7 .3 4
1 8 .5 8
7 .0 4
7 .5 2
8 .6 7
9 .6 8
1 2 .3 6
1 2 .4 8
2 5 .2 0
3 5 .0 8
4 0 .0 0
1 6 .9 8
2 1 .0 4
1 8 .7 7
1 9 .5 9
3 0 .0 2
2 7 .3 4
6 .0 6
1 .5 9
2 .1 5
.27
.99
5 .0 1
.81
.87
5 .7 0
1 .4 7
2 .0 0
.3 3
1 .0 1
4 .8 2
.69
.78
5 .8 7
1 .2 3
2 .1 3
.14
.67
4 .1 9
1 .3 5
1 .44
6 .0 9
1 .4 5
2 .4 7
.22
1 .0 2
5 .1 7
.69
.74
6 .3 5
1 .4 9
2 .6 7
.20
.92
5 .3 0
.82
.90
6 .4 9
1 .2 6
2 .5 4
.14
.80
4 .7 5
1 .2 8
1 .2 9
1 9 .5 3
1 2 .8 6
1 4 .0 7
1 3 .0 2
4 .6 0
5 .1 9
2 .2 3
7 .6 2
1 1 .7 4
.82
6 5 .7 2
6 .4 4
P e rc e n ta g e o f N e t In co m e
S O U R C ES A N D D IS P O S IT IO N O F IN C O M E
P e rc e n ta g e o f T o ta l A ssets
5.46
10. Income after taxes and before securities gains (losses)0. .
1 .3 4
.25
.25
4 .9 5
.29
.31
.70
.84
5 .1 9
1.71
1 .2 8
.14
.89
4 .0 3
.76
.80
2 3 .6 9
2 7 .0 8
3 5 .5 9
1 8 .4 7
1 7 .5 5
.59
.94
5 .3 4
1 .7 8
6 .5 4
6 .9 6
2 .5 2
6 4 .7 5
6 .4 3
1 5 .6 0
4 .9 5
4 9 .1 5
10 .7 5
6 7 .3 4
6 .5 5
9 .3 3
1 .7 0
6 3 .7 7
5 .9 1
P e rc e n ta g e o f T o t a l O p e r a t in g In co m e
13. Interest on securities of U. S. G ovt, agencies &
14. Interest on obligations of States and political
6 .4 5
6 .2 6
.41
5 7 .8 7
7 .7 7
.29
5 1 .1 3
5 .4 9
7 .1 6
1.5 1
5 9 .0 2
8 .4 9
10 0.00
1 0 0 .0 0
100 .0 0
100 .0 0
100 .0 0
1 0 0.00
100 .0 0
1 0 0 .0 0
1 0 0 .0 0
4 .6 3
.84
2 9 .5 2
6 .2 0
.87
3 .4 5
.84
4 .6 9
4 .3 4
3 .9 1
2 7 .2 6
2 2 .9 5
2 .8 3
3 5 .1 8
.03
5 .8 4
1 .7 5
1 5 .8 6
8 4 .4 8
1 8.21
4 .6 0
2 .8 2
2 3 .0 4
8 9 .9 2
2 3 .4 7
2 .6 4
3 5 .6 8
.04
4 .4 6
1 .2 0
1 5 .0 4
8 2 .5 5
4 .2 6
.39
2 0 .5 2
2 .8 6
4 2 .3 1
.04
3 .2 7
1 .5 7
1 2 .8 7
8 3 .4 8
4 .4 7
2 .4 9
2 8 .3 8
4 .5 7
2 0 .8 7
.16
4 .3 3
3 .0 4
1 8 .4 0
7 9 .7 9
3 .8 7
2 .4 9
2 1 .0 9
3 .0 8
4 0 .8 6
.07
4 .0 2
1 .5 3
1 5 .8 0
8 6 .4 8
5 .8 6
-41
20 21
1 2 .5 4
2 .4 9
2 4 .6 3
13.51
10.61
+
.70
.01
1 1 .3 0
1 6 .5 1
1 2 .9 7
+ 1 .0 3
+
.24
1 4 .2 4
5 .5 1
5 .5 0
5 .8 0
3 .7 2
3 .9 7
17. All other operating incom e'....................................................
19. Service charges on deposit accountsd (part of item 1 7 ) ........
5 .1 4
2 4 .7 6
29.
30.
31.
32.
33.
2 5 .0 6
7 7 .9 2
1.00
2 .8 1
3 6 .3 7
—
2 .4 3
.01
1 1 .4 7
7 1 .3 0
1 6 .8 3
2 .6 6
3 9 .1 9
.07
2 .2 2
1 .3 8
1 0 .8 7
7 3 .2 5
Interest on capital notes and debenturesd (part of item 2 7 ) . .
Income before taxes and securities gains (losses).............
Income after taxes and before securities gains (losses)0. .
Net securities gains ( + ) or losses ( —) after tax e ffe ct...
All other additions and subtractions (n e t )'......................
+
+
+
+
+
1 5 .4 2
1 5 .0 4
6 .2 8
2 2 .0 7
1 4 .7 2
.69
1 7 .4 5
1 3.39
1 .0 4
.03
1 4 .4 7
+
+
1 5 .5 2
1 2 .1 5
1 .7 5
.02
13 .9 3
2 8 .7 0
2 3 .1 2
+
1.5 1
2 6 .7 4
1 9 .7 5
+
.31
.11
1 9 .9 5
R A TES O F R ETU R N O N SECURITIES A N D L O A N S
R e tu rn o n S e c u ritie s /
35. Interest on U. S. Treasury securities.............................
36. Interest on securities of U. S. G ovt, agencies &
2 .1 4
6 .3 2
5 .7 2
4 .0 5
1 .7 5
5 .5 1
3 .5 0
5 .0 6
2 .8 7
37. Interest on obligations of States and political
38. Interest and dividends on all other securities....................
5 .6 3
4 .8 1
6 .4 4
2 .6 2
7 .6 4
4 .8 6
6 .4 4
3 .7 4
4 .2 8
6 .1 3
6 .8 1
R e tu rn on Loans H
40. Net losses ( —) or recoveries ( + ) on loans...............
-
8 .0 9
.36
+
.2 2
-
.22
-
8 .2 1
.02
-
7 .5 0
.32
+
9 .3 3
.32
-
8 .1 1
.15
-
8 .1 7
.1 5
-
8 .2 2
.12
D IS T R IB U T IO N O F A SSETS
P e rc e n ta g e o f T o ta l Assets
42. Securities of other U. S. G ovt, agencies & corporations^.
1 .2 2
6 .7 0
2 6 .4 6
1 .7 6
3 2 .1 8
.81
9 .9 7
.31
4 0 .9 7
1 4 .4 2
1 .2 6
4 5 .2 0
1 4 .8 9
1 .9 3
1 8 .7 5
4 .9 5
1 7 .6 6
2 .2 4
.79
4 .5 7
1 1 .1 0
1 5 .0 3
5 .0 2
1 3 .5 1
2 .6 2
1 7 .2 6
2 .2 4
5 2 .3 8
1 .5 7
1 .5 2
1 .5 1
‘
D IS T R IB U T IO N O F L O A N S
P e rc e n ta g e o f G ro ss Loa n s b
1 1 .7 0
3 .4 1
3 0 .4 5
2 4 .5 6
2 9 .8 5
4 2 .4 2
2 .8 4
11 .9 3
2 2 .5 8
2 0 .2 3
3 9 .5 6
5 .4 2
11 .4 5
3 0 .9 3
12.61
1 1 .8 0
54.81
8 .1 0
1 0 .8 6
4 .2 9
2 0 .4 8
7 .4 9
4 .2 1
1 8 .2 6
7 .3 8
4 .2 0
7 .7 3
7 .6 0
4 .4 9
1 8 .2 6
7 .6 4
4 .4 3
2 3 .7 8
7 .8 6
7 ,0 9 7
696
6 ,8 7 7
916
7 ,1 2 6
636
7 ,5 2 2
956
7 ,1 7 2
753
7 ,5 7 4
12 .0 3
3 5 .3 0
2 0 .0 3
6 .2 4
1 7 .6 6
3 3 .7 7
3 3 .9 2
1 7 .6 6
1 5 .3 4
9 .5 7
3 2 .7 9
9 .5 5
3 6 .4 3
8 .7 5
5 6 .0 1
4 .0 8
2 1 .0 9
7 .3 3
4 .1 8
3 2 .4 0
7 .5 8
3 .9 8
3 1 .6 3
6 .7 2
8 ,2 2 9
1,2 2 3
7 ,1 6 4
784
8 ,1 5 2
882
45
93
3-7 79
on*
30 89
a
8 .5tft
6
O TH E R R A T IO S
1 0 .4 7
6 7 .1 2
55. Interest on time and savings deposits to total time
57 Interest and fees on loans excluding Federal funds.........
IN T H O U S A N D S O F D O L L A R S
Notes are on page 10.
5
1 00 .0 0
Member Banks with Deposits of
T im e d eposits to to ta l deposits
5 0 -5 5 per cent
U nd er 50 p er cen t
G roup
A verage
1971
1972
P R O F IT A B IL IT Y
N u m b er o f b a n k s .........
10
8
G rou p
Average
H ighest
Quartile
1972
1972
3
16
5 5 -6 0 per cent
G rou p
A verage
H ighest
Q uartile
1971
1972
1972
1971
4
18
18
24
P e rc e n ta g e o f E q u ity C a p ita l In clu d in g A ll R e serve *
1. Income after taxes and before securities gains (losses)” . .
2. N et in com e..................................................................................
7 .5 3
8 .0 5
5 .9 5
6 .8 9
1 5 .2 8
1 5 .7 0
7 .8 0
8 .0 9
1 0 .6 5
1 1 .3 3
1 1 .1 3
1 1 .6 3
8 .4 2
8 .8 3
5 .3 3
6 .2 1
2 0 .0 3
4 9 .5 4
2 6 .3 4
3 0 .3 5
3 0 .0 9
2 0 .5 9
2 9 .8 3
2 9 .7 6
T otal operating in com e...........................................................
Salaries, wages, and fringe b enefits......................................
Interest on deposits..................................................................
Net occupancy expense of bank premises...........................
All other operating expenses..................................................
Total operating expenses.........................................................
Income after taxes and before securities gains (losses)3 . .
Net in com e.................................................................................
5 .8 9
1 .6 3
1.6 4
.31
1 .7 5
5 .3 4
.36
.41
6 .2 0
1 .9 0
.3 7
1 .6 2
5 .5 7
.3 6
.4 7
5 .3 0
.99
1 .7 0
.13
1 .2 6
4 .0 9
1 .1 8
1 .2 5
5 .9 6
1.6 3
1 .9 5
.30
1 .1 7
5 .0 5
.65
.68
5 .9 5
1 .5 0
1 .9 9
.2 3
1 .0 6
4 .7 9
.9 0
.9 6
6 .0 9
1.5 1
1 .9 3
.27
.9 8
4 .7 1
1 .0 6
1 .11
6 .0 0
1 .4 7
2 .2 2
.23
1 .1 2
5 .0 5
.76
.7 9
6 .1 6
1 .5 8
2 .2 7
.2 7
1 .1 8
5 .3 1
.63
.7 0
12. Interest on U. S. Treasury securities...................................
13. Interest on securities o f U. S. G ovt, agencies &
corporations............................................................................
14. Interest on obligations of States and political
subdivisions............................................................................
15. Interest and dividends on all other securities....................
16. Interest and fees on loans4 ......................................................
17. All other operating in com e'....................................................
18.
Total operating in com e.......................................................
1 9 .4 5
1 5 .3 3
3 4 .2 6
1 5 .5 4
12 .9 0
1 1 .0 3
1 0 .6 2
12.10
1 .5 3
2 .5 5
.69
5 .5 3
4 .1 8
1 .3 3
3 .3 2
4 .4 3
11.31
.27
6 0 .3 6
7 .0 6
1 0 .4 7
.4 9
6 1 .2 5
9 .8 9
2 2 .4 7
.2 7
3 7 .9 3
4 .3 5
8 .4 5
11.20
1.66
6 0 .9 3
7 .8 7
.68
6 2 .4 2
8 .5 9
1 4 .5 0
.96
6 3 .0 9
9 .0 6
6 7 .9 9
7 .4 1
6 7 .9 9
7 .0 1
100.00
100.00
1 0 0 .0 0
100.00
100.00
100.00
100.00
100.00
4 .2 2
.3 5
2 4 .8 2
5 .2 2
3 .2 1
5 .0 2
1 .0 7
5 .2 5
1 .4 7
2 2 .3 9
6 .5 9
1.11
1 .7 8
P e rc e n ta g e o f N e t In co m e
3. Cash dividends d eclared..........................................................
S O U R C E S A N D D IS P O S IT IO N O F IN C O M E
P e rc e n ta g e o f T o t a l Assets
4.
5.
6.
7.
8.
9.
10.
11.
19.
20.
21.
22.
23.
24.
25.
26.
27.
28.
29.
30.
31.
32.
33.
34.
Service charges on deposit accountsd (part of item 1 7 ) ........
Trust department income* (part of item 1 7 ) ..........................
Salaries and w a ges....................................................................
Officer and employee benefits.................................................
Interest on d eposits..................................................................
Interest on borrowed m on ey..................................................
Net occupancy expense of bank premises...........................
Provision for loan losses (n e t )...............................................
All other operating expenses..................................................
Total operating expenses....................................................
Interest on capital notes and debentures* (part of item 27) . .
Income before taxes and securities gains (losses).............
Income after taxes and before securities gains (losses)0 . .
Net securities gains ( + ) or losses ( —) after tax e ffe c t. . .
All other additions and subtractions (n e t)* ........................
Net in co m e .................................................................................
1.66
5 .1 8
5 .3 8
19.91
9 0 .0 0
.15
9 .9 9
7 .0 0
+ 1 .13
.18
7 .9 4
—
4 .1 2
2 6 .4 3
3 .9 6
2 6 .9 4
.49
6 .0 7
2 .3 8
2 8 .2 7
4 .0 3
1 7 .2 4
1.6 2
.11
.12
1 9 .5 2
1 5 .2 7
1 .2 9
2 3 .4 7
15.31
1 1.13
.4 4
.04
1 1 .6 2
12.01
—
1 1 .5 6
7 .1 5
9 .0 1
2 .8 5
3 3 .6 6
.3 7
3 .8 6
1 .4 0
1 5 .9 1
8 0 .4 7
3 2 .3 1
1 0 .6 5
2 .5 4
.87
6 .1 5
1 8 .3 7
8 8 .4 3
+ 1.86
—
2 3 .2 5
4 .0 5
3 2 .8 8
.17
5 .0 6
2 .5 1
16 .7 2
8 4 .6 8
+
7 7 .2 7
.42
2 2 .7 3
2 2 .0 7
1.41
—
+
+
+
-
.11
2 0 .9 5
4 .1 6
3 2 .0 6
.08
4 .5 9
1 .7 5
1 3 .9 7
7 7 .5 8
3 7 .1 0
37 03
.10
3 .9 8
1 5 .1 6
8 4 .0 3
_
1 5 .5 1
2 2 .4 1
+
+
1 6 .4 5
1 7 .3 7
.84
+ 1.21
.19
1 8 .4 0
1 3 .3 6
1 1 .5 1
R A TE S O F R ETU R N O N SECURITIES A N D L O A N S
R e tu rn o n S e c u ritie s /
35. Interest on U. S. Treasury securities...................................
36. Interest on securities of U. S. Govt, agencies &
corporations............................................................................
37. Interest on obligations of States and political
subdivisions.............................................................................
38. Interest and dividends on all other securities....................
5 .5 0
5 .8 9
5 .6 0
5 .7 7
5 .5 7
4 .9 7
5 .5 8
5 .9 2
2 .8 9
3 .9 0
2 .1 5
4 .8 9
5 .7 1
3 .1 5
8 .5 6
5 .9 6
4 .7 1
6 .1 6
3 .9 5
6 .5 5
4 .5 5
5 .7 4
4 .3 4
4 .0 5
6 .4 2
4 .2 8
7 .3 6
3 .8 5
5 .4 2
4 .3 3
5 .8 7
8 .2 8
7 .9 5
6.68
R e tu rn o n L oa n s *
39. Interest and fees on loa n s.......................................................
40. Net losses ( —) or recoveries ( + ) on loans.........................
-
8 .1 6
.93
-
.5 4
—
-
7 .5 1
.31
-
7 .5 8
.1 8
-
9 .9 7
.19
-
7 .7 0
.42
-
8 .0 9
.4 5
D IS T R IB U T IO N O F ASSE TS
P e rc e n ta g e o f T o ta l Assets
41.
42.
43.
44.
45.
46.
47.
U. S. Treasury securities'.......................................................
Securities of other U. S. G ovt, agencies & corporations'.
Obligations of States and political subdivisions'...............
All other securities'...................................................................
Gross loans4................................................................................
Cash assets..................................................................................
Real estate assets......................................................................
1 9 .6 8
1 .6 3
1 5 .7 7
2 .3 4
3 2 .7 3
.52
1 3 .5 3
.23
4 9 .5 2
1 3 .2 3
1 .3 8
1 3 .2 9
.4 5
5 0 .3 2
1 5 .4 3
1 .6 2
2 6 .0 5
.25
2 9 .2 9
9 .6 9
.43
2 5 .4 1
.55
3 7 .1 4
2 4 .1 0
1 2 .7 9
2 2 .9 2
1 .5 0
3 1 .3 2
3 0 .4 7
1 3 .7 7
3 6 .6 2
.02
3 1 .9 7
1 4.07
17.31
3 7 .7 0
1.01
3 8 .5 3
2 .4 1
2 1 .5 7
2 9 .9 1
9 .7 8
8 .2 5
4 3 .4 2
9 .6 9
4 2 .4 5
8 .8 4
4 7 .4 8
4 .3 9
1 5 .3 9
7 .4 3
4 .4 9
2 1 .6 4
7 .5 4
4 .4 1
2 7 ,0 3 8
2 7 ,9 8 1
3 ,1 7 7
3 3 ,2 8 6
1 5 .6 6
5 .0 7
1 2 .0 3
1 .43
5 1 .3 6
12.07
1 .6 5
13 .5 1
3 .5 0
1 5 .7 9
.69
5 2 .1 5
1 2 .1 4
1 .4 9
1 2 .5 3
3 .8 3
1 2 .3 7
1 3 .5 2
1 1 .3 3
1 .3 8
1 9 .9 3
.85
5 1 .2 9
1 1 .0 9
1 .4 7
2 .7 8
14 .94
.82
5 7 .3 3
1 0 .2 6
1.71
3 9 .3 4
3 .3 5
1 9 .8 0
3 0 .8 4
6 .6 4
3 5 .5 5
3 .3 8
1 7.41
3 1 .1 0
1 2 .5 5
3 5 .7 8
1 .1 8
2 1 .0 5
2 8 .1 7
9 .8 0
9 .1 5
5 2 .0 8
8 .8 4
52 .2 1
9 .9 4
5 0 .6 6
8 .7 2
5 7 .6 0
8 .4 6
5 7 .2 4
4 .2 6
1 7 .3 0
7 .1 3
4 .3 6
1 9 .5 0
7 .2 3
4 .3 7
22.66
4 .3 5
1 1.6 9
7 .4 4
4 .4 7
1 6 .4 0
7 .6 5
2 7 ,2 7 5
2 ,6 7 4
2 6 ,1 4 8
2 ,4 5 7
2 5 ,4 0 9
2 ,8 2 6
2 3 ,5 4 7
2 4 ,5 1 9
2 ,1 8 3
.61
5 6 .9 7
1 1 .1 7
1 .8 0
D IS T R IB U T IO N O F L O A N S
P e rc e n ta g e o f G ro s s L oans b
48.
49.
50.
51.
Real estate loans.......................................................................
Loans to farmers.......................................................................
Commercial and industrial loans................. .........................
Consumer loans to individuals...............................................
22.01
2 9 .0 0
11 99
O T H E R R A T IO S
53. Total capital accounts and reserves to total assets*...........
54. Time and savings deposits to total deposits.......................
55. Interest on time and savings deposits to total time
56. Income taxes to net income plus income taxes.................
57. Interest and fees on loans excluding Federal funds..........
2 .7 9
6 .9 7
7 .4 9
IN T H O U S A N D S O F D O L L A R S
59. Average equity capital including all reserves.....................
Notes are on page 10.
2 ,5 9 5
3 ,4 7 1
2,201
$ 1 0 Million to $ 5 0 Million
T im e d eposits to tota l d eposits
H ighest
Quartile
G rou p
A verage
H ighest
Quartile
O ver 70 p er cen t
6 5 -7 0 per cent
6 0 -6 5 per cen t
G rou p
A verage
G roup
A verage
H ig h est
Quartile
H ig h est
Q uartile
YOUR
BANK
1972
1972
1971
1972
1972
1971
1972
1972
1971
1972
5
33
38
8
28
27
7
28
30
7
1
1 0.41
1 0 .7 9
1 0 .2 0
1 0 .6 4
1 2.93
1 4 .1 5
1 0 .7 5
11.21
1 1 .0 4
1 1 .6 4
1 7 .6 7
1 8 .1 4
9 .9 1
1 0 .4 4
9 .5 3
9 .9 8
1 1 .8 9
1 2 .4 9
.
2.
2 9 .5 4
2 6 .7 4
2 4 .6 0
2 8 .9 1
3 0 .9 2
2 4 .3 0
3 6 .7 3
3 3 .2 8
3 1 .1 5
3.
6 .0 2
1 .2 5
2 .1 7
.16
.71
4 .3 0
1 .2 3
1 .2 5
6 .0 5
1 .3 5
2 .4 5
.23
.94
4 .9 9
.88
.92
6 .1 2
1 .3 9
2 .4 5
.21
.93
5 .0 0
6 .1 1
1 .2 5
2 .6 8
.19
.93
5 .0 7
.8 3
.87
6 .1 9
1 .3 0
2 .6 7
.21
.8 9
5 .0 9
.8 8
.92
6 .2 5
1 .1 5
2 .5 5
.15
.71
4 .5 7
1 .3 2
1 .3 5
6 .2 9
1 .1 7
3 .0 4
.20
.92
5 .3 3
.81
.85
6 .2 4
1 .2 6
2 .9 3
.1 7
.9 2
5 .3 0
.7 8
.8 2
6 .4 4
1 .1 3
2 .9 1
.16
.83
5 .0 5
1.1 1
1 .1 6
4.
5.
6.
7.
8.
9.
.85
.90
6 .1 1
1 .2 0
2 .3 3
.15
.75
4 .4 4
1 .2 7
1 .3 9
10.
11.
1 1 .9 3
1 2 .2 2
1 2 .8 3
1 3 .3 9
10 .7 3
1 1 .2 1
1 1 .4 6
1 1 .2 0
1 1 .7 2
6 .4 4
12.
4 .8 5
3 .2 1
13.
14.
15.
16.
1 1 .5 8
1 1 .8 0
2 4 .0 1
2 .4 9
4 .1 2
3 .9 0
4 .6 8
5 .3 7
4 .5 5
6 .3 2
3 .1 9
1 1 .7 2
.20
6 7 .2 1
6 .4 2
1 2 .3 8
1 .0 8
6 3 .7 9
6 .3 8
1 0 .7 4
.8 8
6 4 .8 3
6 .7 9
1 4 .8 3
1 .1 8
5 9 .0 8
6 .8 2
1 0 .1 2
1 .9 3
6 5 .7 2
6 .1 0
1 1 .3 4
1 .3 3
6 5 .0 2
6 .5 2
1 5 .6 5
5 .4 5
5 3 .4 7
7 .6 2
1 1 .1 4
2 .5 6
6 6 .8 2
5 .0 6
1 0 .8 3
1 .0 9
6 5 .8 5
5 .6 3
1 3 .2 3
1 .9 1
7 0 .8 0
4 .3 9
1 0 0 .0 0
1 0 0 .0 0
1 0 0 .0 0
1 0 0.00
1 0 0 .0 0
1 0 0 .0 0
1 0 0.00
1 0 0 .0 0
100 .0 0
1 0 0 .0 0
3 .1 3
1 .8 6
3 .8 9
1 .2 9
1 8 .9 2
4 .2 8
3 .7 8
2 .9 6
16 .7 8
2 .9 1
3 8 .3 3
.22
2 .4 5
.60
1 1 .4 8
7 2 .7 8
—
2 7 .2 1
2 0 .9 7
1 .8 3
4 .4 1
3 .3 3
.95
1 7 .2 9
3 .1 5
2 .0 6
1 4 .9 8
3 .1 5
1 .8 5
12.51
8 4 .8 8
.05
15.11
12 .8 5
+
.55
+
.09
1 3 .5 0
2 .8 2
4 7 .2 1
.0 7
2 .8 4
2 .3 8
1 2 .3 4
8 4 .9 7
.08
1 5 .0 2
1 2 .5 5
+
.51
2 .7 0
4 5 .3 0
.10
2 .5 8
2 .3 7
10 .4 6
7 8 .5 1
.16
2 1 .4 8
1 7 .1 9
+
.86
17 .71
2 .9 9
3 6 .2 5
.02
2 .6 9
.86
1 0 .8 9
7 1 .4 3
—
2 8 .5 6
2 0 .4 7
+
.37
—
2 0 .8 5
1 .1 9
1 9 .6 4
3 .0 3
4 0 .2 7
.14
3 .5 2
1 .8 6
1 3 .0 8
8 1 .5 6
.0 6
1 8 .4 3
1 4 .1 4
3 .2 7
4 0 .6 5
.1 3
3 .8 6
2 .1 4
1 3 .2 3
8 2 .2 4
.04
+
+
1 7 .7 5
1 4 .7 4
.60
.03
+
.17
2 2 .9 7
2 .8 3
43 .5 1
.1 5
3 .4 6
1 .2 9
1 2 .9 0
8 2 .3 3
.0 7
1 7 .6 6
1 4 .2 6
+
.6 9
+
.04
1 5 .0 1
4 .6 3
.69
1 6 .0 1
2 .4 1
4 1 .1 2
.3 2
2 .4 4
.45
1 0 .4 3
7 3 .2 0
.19
2 6 .8 0
2 1 .3 3
+
.56
.04
2 1 .8 4
1 .1 3
1 8 .1 6
1 5 .3 7
-42
.28
1 4 .8 5
6 .0 1
5 .9 0
5 .7 6
5 .5 5
5 .8 8
6 .2 1
6 .0 3
6 .2 5
4 .1 8
4 .5 1
5 .2 4
5 .9 4
6 .0 3
3 .9 3
4 .2 2
7 .9 8
4 .2 5
7 .3 6
4 .2 9
1 4 .7 0
4 .1 3
7 .0 3
6 .5 1
7 .7 5
.01
-
7 .7 1
.20
+
+
3 .5 9
1 .3 3
1 7 .4 8
2 .9 1
4 4 .2 3
.31
3 .1 1
1 .3 2
13.61
8 3 .0 0
.04
1 6 .9 9
1 3 .6 5
+
.54
+ .01
1 4.21
7 .6 8
.21
-
+
-
7 .6 8
.09
-
3 .0 3
1 .0 2
1 5.91
2 .6 5
4 8 .5 5
.24
—
—
17.
1 0 0 .0 0
18.
19.
20.
21.
22.
23.
24.
25.
26.
27.
28.
29.
30.
31.
32.
33.
34.
1 3 .0 6
1 8 .0 5
5 .7 4
5 .8 7
5 .9 7
35.
7 .0 8
5 .6 7
5 .9 0
5 .5 6
36.
4 .1 2
1 0 .0 0
4 .4 7
1 0 .1 4
4 .4 5
8 .2 1
4 .4 0
4 .4 8
5 .7 5
37.
38.
7 .8 2
7 .6 3
.1 5
.01
7 .8 7
.09
39.
40.
9 .0 9
1 .5 9
11 .0 5
4 .8 1
1 6 .7 3
.6 0
5 5 .0 2
9 .4 2
1 .6 0
1 1 .6 6
8 .7 0
2 1 .2 5
2 .8 8
4 5 .5 0
8 .4 9
.95
15 .9 0
2 .3 5
5 6 .8 6
7 .8 7
1 .4 5
1 2 .3 4
4 .2 3
1 5 .5 0
1 .0 3
5 6 .7 3
8 .3 0
1 .3 8
7 .4 7
2 .9 4
1 9 .1 9
1.9 7
5 9 .1 8
7 .2 8
1.5 3
42.
43.
44.
45.
46.
47.
7 .7 6
.10
-
6 .5 1
7 .8 3
-
.18
-
7 .5 4
.23
-
41.
1 2 .4 0
1 3 .3 4
3 .8 0
1 7 .6 0
.84
5 3 .3 3
9 .9 8
1 .4 6
3 .8 1
1 5 .4 0
.9 0
5 4 .2 7
1 0 .2 0
1 .4 9
13.91
4 .1 3
2 0 .9 0
.36
4 8 .4 3
1 0 .6 5
1 .1 0
9 .6 8
4 2 .1 9
1 .7 6
1 5 .9 0
2 8 .6 0
1 1 .5 2
3 8 .5 8
2 .6 7
1 8 .0 4
2 8 .3 8
1 2 .3 0
3 9 .0 9
2 .8 3
12 .9 0
3 3 .4 6
11 .7 0
3 9 .8 0
3 .2 3
1 9 .3 8
2 7 .1 6
1 0 .4 0
4 1 .3 2
2 .3 5
1 6 .2 0
2 9 .7 4
1 0 .3 7
4 4 .0 3
2 .5 1
1 9 .8 6
2 6 .8 8
6 .7 0
4 0 .8 6
6 .1 0
1 1 .3 8
3 1 .7 7
9 .8 6
4 4 .2 8
5 .7 1
1 1 .4 5
2 8 .9 4
9 .6 0
4 6 .2 5
1 .2 4
12 .8 0
3 3 .1 6
6 .5 3
48.
49.
50.
51.
52.
1 0 .6 8
5 7 .4 1
8 .6 5
6 2 .7 1
8 .8 4
6 2 .3 8
1 0 .1 6
6 2 .2 2
8 .1 4
6 7 .2 3
8 .1 5
6 7 .7 6
7 .8 7
6 7 .4 6
8 .3 1
7 3 .7 5
8 .4 6
7 8 .4 7
9 .9 5
7 3 .9 3
53.
54.
4 .3 5
2 7 .3 0
7 .3 7
4 .4 0
1 0 .9 9
7 .4 4
4 .4 5
1 3 .2 2
7 .4 5
4 .2 9
2 0 .6 0
7 .6 3
4 .4 9
1 5 .0 7
7 .4 0
4 .4 6
12 .5 7
7 .4 2
4 .2 5
2 0 .2 4
7 .3 7
4 .6 3
8 .9 9
7 .5 8
4 .4 9
1 1 .7 2
7 .3 4
4 .4 9
1 7 .1 1
7 .6 7
55.
66.
57.
1 5,4 0 8
1 ,9 4 5
2 4 ,13 1
2 ,3 4 0
2 1 ,7 3 3
2 ,1 3 9
2 0 ,5 3 5
2 ,4 0 2
2 5 ,6 3 4
2 8 ,2 4 6
2 ,5 3 8
2 9 ,3 9 5
2 ,4 3 7
2 3 ,4 0 3
2 ,1 4 3
2 3 ,1 9 6
2 ,3 0 6
2 6 ,1 7 7
2 ,9 8 7
58.
59.
1 1 .9 8
2 .4 4
1 7 .3 9
.18
5 5 .7 2
1 0.12
1 .1 5
3 5 .7 2
6 .9 8
2 0 .7 6
2 6 .8 3
1 0 .8 4
5 .8 5
14.31
1 .2 4
56 .3 1
7
1 2 .0 8
3 .0 3
2 ,1 1 8
Member Banks with Deposits of $ 5 0 Million to $ 1 5 0 Million
T im e d eposits to to ta l d eposits
U n d er 50 p er cen t
P R O F IT A B IL IT Y
5 0 -6 0 p er cen t
H ighest
Q uartile
G roup
A verage
G roup
A verage
O ver 60 per cen t
YOUK
BANK
H ighest
Q uartile
G roup
A verage
H ighest
Q uartile
1972
1971
1972
1972
1971
1972
1972
1971
1972
8
5
3
18
12
5
36
35
9
1 1 .3 1
1 1 .8 8
1 0 .1 1
1 0 .8 0
1 4 .1 1
1 1 .3 7
5 .7 9
6 .0 9
1 0 .4 7
1 1 .4 4
12 21
1 0 .6 0
1 0 .7 8
3 6 .5 3
5 5 .3 6
4 2 .0 7
4 0 .1 6
3 8 .1 0
3 7 .2 6
3 4 .7 6
5 .5 8
1 .6 2
1 .3 8
.3 7
.98
4 .3 7
.9 0
.94
6 .1 0
1 .7 2
1 .5 0
.45
1 .08
4 .7 7
.9 4
1 .0 1
5 .4 2
1 .3 4
1 .5 2
.27
.88
4 .0 2
1 .1 2
1 .1 4
6 .0 4
1 .5 1
2 .1 2
.27
1 .1 6
5 .0 7
.7 7
.78
6 .0 2
2 .1 3
.27
.99
4 .8 7
.93
.96
5 .7 7
1 .3 9
2 .0 4
.23
6 .2 3
1 .3 7
2 .7 6
.2 4
.9 6
5 .3 4
.8 0
1 0 .5 8
1 2 .0 1
1 1 .4 8
9 .2 9
9 .9 5
N u m b er o f b a n k a .........
P e rc e n ta g e o f E q u ity C a p ita l In clu d in g A ll R e se rv e s
1.
Income after taxes and before securities gains (losses)a. .
1 0 .6 8
1 1 .3 7
1 3 .4 9
3 7 .8 9
2 4 .6 0
1 .0 1
1 .4 3
2 .7 6
.2 3
.9 7
5 .4 0
1 .0 5
1 .0 9
1 3 .9 8
P e rc e n ta g e o f N e t In co m e
S O U R C E S A N D D IS P O S IT IO N O F IN C O M E
P e rc e n ta g e o f T o t a l A ssets
10. Income after taxes and before securities gains (losses)0. .
4 .5 6
1 .0 9
.8 3
.88
P e rc e n ta g e o f T o t a l O p e r a t in g In co m e
7 .1 8
8 .3 1
13. Interest on securities of U. S. G ovt, agencies &
2 .3 6
.74
2 .7 9
5 .6 6
3 .4 7
1 2 .0 2
.41
6 0 .7 8
13 .8 2
1 0 .6 8
.34
6 0 .3 2
1 5 .8 8
1 6 .5 4
.26
6 1 .2 7
7 .6 3
1 1 .3 8
1 .0 2
6 3 .2 8
9 .3 4
1 2 .7 5
.66
6 3 .3 1
9 .8 4
9 .9 8
7 .2 6
68 79
7 .7 9
8 .2 2
1 0 0.00
1 0 0 .0 0
1 0 0 .0 0
1 0 0 .0 0
1 0 0 .0 0
100 .0 0
100 00
1 0 0 .0 0
1 0 0 .0 0
5 .0 2
8 .5 9
2 4 .1 2
4 .4 5
2 4 .7 6
.52
6 .4 4
.71
16 .0 7
7 7 .0 9
.20
2 2 .9 0
1 7 .1 0
5 .7 9
1 1 .8 4
2 4 .2 3
4 .1 6
2 4 .3 3
.41
7 .1 0
1 .4 0
1 6 .0 2
7 7 .6 7
5 .3 3
1 .4 3
4 .7 7
2 .9 2
2 1 .3 6
3 .7 0
3 5 .2 6
.65
4 .5 1
2 .9 2
5 .4 7
4 .2 1
2 0 .6 7
3 .6 5
3 5 .4 4
.5 7
4 .5 5
1 .3 5
1 4 .5 0
8 0 .7 7
5 .7 0
3 .5 5
1 9 .9 4
4 .0 2
3 5 .4 5
.1 7
3 .9 7
3 .6 5
4 4 .5 5
3 .8 6
1 .4 4
1 9 .0 6
3 .3 1
4 2 .9 3
1 .7 2
1 2 .9 5
8 5 .7 1
.21
1 4 .2 8
1 2 .9 0
.3 0
.0 5
1 3 .2 6
.85
3 .9 5
1 .6 5
1 3 .3 3
8 5 .1 0
.1 7
1 4 .8 9
1 3 .1 2
.6 2
.18
1 3 .9 3
3 .7 1
1 .4 2
1 8 .2 9
2 .9 3
4 2 .1 6
.1 5
3 .5 1
.8 6
1 3 .2 6
8 1 .1 8
.1 6
1 8 .8 1
1 6 .2 0
-f
.3 7
4 .0 6
2 .7 1
14. Interest on obligations of States and political
17. All other operating in com e'....................................................
19. Service charges on deposit accounts4 (part of item 1 7 ) .........
29.
30.
31.
32.
Interest on capital notes and debentures4 (part of item 2 7 ) . .
Income before taxes and securities gains (losses).............
Income after taxes and before securities gains (losses)0. .
N et securities gains ( + ) or losses ( —) after tax e ffe ct...
+
.1 6
.6 5
1 7 .9 3
2 1 .2 5
3 .3 1
2 8 .1 5
.67
4 .8 6
1 .0 3
1 4 .0 9
7 3 .3 7
.21
2 2 .3 2
1 6 .1 4
+
.96
+
+
1 7 .1 0
2 6 .6 2
2 1 .1 6
.03
.36
2 1 .5 6
1 5 .7 0
8 4 .1 4
.2 7
1 5 .8 5
1 2 .7 2
+
.3 6
.11
1 3 .0 4
.8 7
.13
1 9 .2 3
1 5 .7 2
+
.4 7
1 4 .1 7
.3 3
+
1 .2 3
1 4 .1 7
7 8 .9 9
.1 6
2 1 .0 0
1 9 .0 5
1 .1 9
1 6 .1 9
2 0 .2 4
5 .3 7
1 8 .6 9
+
+
+
+
+
.14
1 6 .7 1
R A TES O F R ETU R N O N SEC UR ITIES A N D L O A N S
R e tu rn o n S ec u ritie s
/
5 .4 3
5 .4 1
6 .5 0
5 .6 2
5 .4 7
4 .7 1
2 .7 8
6 .1 9
6 .1 3
5 .5 2
5 .3 9
5 .7 5
5 .2 2
5 .4 8
4 .2 4
4 .9 6
4 .3 0
5 .5 1
4 .1 0
5 .8 5
3 .7 6
7 .2 7
3 .9 2
7 .0 7
3 .9 4
9 .4 4
4 .1 8
4 .1 3
4 .2 8
36. Interest on securities of U. S. G ovt, agencies &
37. Interest on obligations of States and political
R e tu rn o n Loa n s &
-
7 .4 5
.09
-
7 .0 3
.2 2
-
8 .4 4
.14
-
7 .6 5
.42
-
7 .5 7
.2 0
-
7 .4 5
.1 2
-
7 .7 0
.1 7
-
7 .8 9
.21
-
8 .2 3
.1 0
D IS T R IB U T IO N O F A S SE TS
P e rc e n ta g e o f T o t a l Assets
41. U. S. Treasury securities'....................................................:
42. Securities of other U. S. G ovt, agencies & corporations-''.
1 1 .0 3
2 .4 3
1 5 .6 4
.63
1 2 .9 8
1 .1 3
1 4 .5 6
.38
5 3 .0 3
1 5 .3 6
1 .2 6
.2 5
4 7 .5 9
1 6 .5 4
1 .7 0
2 6 .2 3
.48
2 2 .5 4
2 6 .9 0
2 3 .8 3
3 8 .9 0
.1 3
2 1 .7 7
3 0 .3 2
2 4 .0 6
1 7 .8 7
.13
3 6 .6 2
17 .7 3
2 7 .6 3
8 .6 9
3 9 .3 4
9 .7 2
3 8 .8 4
4 .0 7
2 3 .8 3
6 .7 9
7 7 ,7 7 5
5 1 .2 2
1 6 .3 8
1 .4 6
9 .2 5
2 .3 4
9 .6 8
5 .0 0
17 .6 4
.83
5 2 .8 2
1 1 .2 4
1 .8 3
1 0 .8 3
3 .1 0
1 9 .2 1
.58
5 1 .8 9
1 1 .6 1
1 .8 0
8 .6 3
2 .1 7
2 5 .2 5
.3 6
9 .1 9
3 .4 4
1 7 .7 5
1 .4 0
9 .0 3
2 .5 9
8 .4 2
3 .7 2
2 1 .4 4
.3 8
.7 8
5 7 .0 6
9 .1 2
1 .6 9
5 7 .6 1
9 .6 3
1 .7 3
1 .1 7
1 .1 0
3 .3 1
6 .1 0
D IS T R IB U T IO N O F L O A N S
P e rc e n ta g e o f G ro ss Loa n s b
2 1 .0 4
3 .1 3
3 0 .3 9
2 1 .4 6
4 5 .6 2
8 .8 5
3 7 .0 3
1 .3 0
2 0 .9 0
3 1 .1 4
9 .6 1
8 .5 1
7 .2 2
3 2 .3 2
7 .5 2
8 .1 7
4 1 .6 7
8 .5 2
5 6 .2 7
9 .2 5
5 6 .0 2
9 .8 0
5 7 .3 5
7 .9 0
6 8 .6 8
8 .0 5
6 7 .0 2
8 .1 9
6 8 .3 4
4 .5 1
2 7 .6 8
7 .0 0
4 .1 5
1 8 .3 8
7 .2 5
4 .2 9
1 5 .7 6
7 .3 6
4 .3 8
1 7 .8 0
7 .3 9
4 .0 9
1 2 .5 8
7 .1 0
4 .6 0
1 .5 7
7 .6 6
4 .5 8
1 1 .3 8
8 .0 0
7 7 ,5 7 9
8 ,8 0 5
7 2 ,6 9 1
6 ,9 1 6
7 0 ,9 3 0
6 ,9 3 4
8 0 ,4 5 5
8 ,5 7 3
8 1 ,3 0 9
9 ,0 4 0
8 4 ,0 8 9
7 ,5 7 4
7 7 ,0 3 4
7 ,0 9 4
1 7 .4 0
O T H E R R A T IO S
55. Interest on time and savings deposits to total time
j
inrnmP t'lYP1
?
57. Interest and fees on loans excluding Federal funds..........
r -
T
^
, •
—
4 .5 3
.3 8
7 .5 5
-
IN T H O U S A N D S O F D O L L A R S
7 ,6 6 4
Notes are on page 10.
8
8 1 ,0 4 6
7 ,0 2 9
1 0 0 .0 0
Member Banks with Deposits o f $ 1 5 0 Million and Over
T im e d eposits to tota l deposits
U n d er 50 p er cent
G roup
A v erag e
1972
P R O F IT A B IL IT Y
N u m ber o f b a n k s .........
5 0 -6 0 per cent
G roup
A verag e
H ighest
Q uartile
1971
13
O ver 60 per cent
H ighest
Quartile
G rou p
A vera g e
H ighest
Q uartile
1972
1972
1971
1972
1972
1971
1972
3
25
29
6
22
14
6
13
YOUR
BANK
P e rc e n ta g e o f E q u ity C a p ita l In clu d in g A ll R e serve s
1. Income after taxes and before securities gains (losses)0. .
9 .2 9
1 0 .4 1
1 0 .9 7
1 0 .5 0
1 0 .8 7
1 0 .1 9
1 0 .2 0
1 1 .4 6
1 1 .6 6
12.21
1 2 .4 6
1 3 .1 0
1 3 .1 9
1 1 .1 1
1 1 .2 5
1 7 .5 5
1 7 .7 3
7 6 .5 1
6 4 .3 6
6 6 .5 1
5 5 .7 9
3 9 .9 7
4 7 .0 1
4 3 .4 9
4 5 .2 1
2 4 .9 3
1 .6 2
1 .4 9
5 .2 0
1 .2 6
1 .31
5 .9 3
1 .3 8
2 .0 4
.26
.89
4 .5 9
1 .11
1 .1 3
6 .2 6
1 .3 6
6 .4 2
.95
2 .5 1
.14
1.2 1
4 .8 3
1 .3 8
1 .3 9
9 .8 7
P e rc e n ta g e o f N e t In co m e
S O U R C ES A N D D IS P O S IT IO N O F IN C O M E
P e rc e n ta g e o f T o ta l A ssets
1 .4 7
.33
1 .2 8
10. Income after taxes and before securities gains (losses)0. .
1 .1 9
4 .6 3
.94
.7 8
.81
.78
2 .0 7
.31
1 .1 5
1 .1 6
1 .2 0
.79
.80
2 .1 3
.30
1 .1 3
5 .0 9
.88
.90
7 .9 7
5 .3 5
.80
.95
P e rc e n ta g e o f T o t a l O p e r a t in g In co m e
12. Interest on U. S. Treasury securities.................................
13. Interest on securities of U. S. Govt, agencies &
6 .7 0
8 .3 3
8 .2 4
1 .3 6
.79
.11
2 .1 2
1 1 .7 2
.59
6 6 .2 2
1 3 .3 8
1 1 .4 7
1 5 .8 9
.50
6 5 .6 6
9 .4 9
1 2 .3 8
1 .6 2
6 5 .1 8
1 0 .4 5
1 2 .7 3
1 .2 0
6 3 .9 5
1 0 .7 6
1 .6 0
5 9 .8 4
1 0 .8 4
9 .7 4
9 .9 7
100 .0 0
1 0 0 .0 0
100 .0 0
1 00 .0 0
100 .0 0
1 0 0 .0 0
3 .1 4
4 .1 7
2 .5 7
2 1 .1 3
4 .1 6
4 .2 6
4 .4 3
2 .6 1
2 0 .7 4
3 .8 5
3 4 .9 9
2 .2 0
4 .9 2
1 .7 8
1 4 .4 0
8 2 .9 1
.43
1 7 .0 8
1 4 .7 3
+ .36
.07
1 4 .9 9
3 .7 6
19 .42
3 .9 2
3 4 .6 2
.98
4 .4 9
3 .0 9
2 ,2 8
1 6 .8 7
3 .2 6
3 9 .8 2
3 .4 1
2 .1 1
1 8 .5 8
3 .1 0
7 .3 1
7 .3 0
2 .7 9
1 4 .8 9
14. Interest on obligations of States and political
15. Interest and dividends on all other securities....................
6 8 .0 0
1 2 .7 6
100 .0 0
19. Service charges on deposit accounts'1 {part of item 1 7 ) ........
20. Trust department income? (part of item 1 7 ) ..........................
22.
23.
24.
25.
26.
27.
28.
29.
30.
31.
32.
33.
34.
3 .9 0
4 .9 1
2 3 .0 1
4 .4 7
2 6 .7 5
2 .9 1
5 .9 6
3 .8 8
1 5 .7 4
8 2 .7 3
Officer and employee benefits......................................
Interest on deposits.......................................................
Interest on borrowed m oney........................................
Net occupancy expense of bank premises....................
Provision for loan losses (n e t).........................................
All other operating expenses....................................
Total operating expenses..........................................
Interest on capital notes and debenturesd (part of item 27) . .
Income before taxes and securities gains (losses).............
Income after taxes and before securities gains (losses)0. .
N et securities gains ( + ) or losses ( —) after tax e ffe ct...
All other additions and subtractions (net)*.........
Net incom e.......................................................................
.63
1 7 .2 6
+
+
1 4 .2 6
.48
.13
1 4 .8 7
3 .9 7
1 9.53
4 .5 0
2 5 .9 1
.97
1 33
5 .2 8
3 .4 5
1 5 .2 7
7 8 .4 9
.41
2 1 .5 1
1 6 .4 1
+
.9 6
7 0 .4 8
+
1 7 .3 8
2 9 .5 2
2 2 .5 7
.92
2 3 .4 9
3 5 .1 1
1 .7 7
5 .2 6
2 .3 6
15.01
8 4 .8 3
.29
1 5 .1 6
1 3 .4 6
+ .32
.24
13.54
1 5 .0 2
+
.86
13 .1 6
7 7 .4 8
.12
2 2 .5 2
1 8 .8 3
.57
.10
1 9 .3 0
1 5 .8 7
.64
.44
+
1 0 0 .0 0
2 .1 0
1.2 9
1 2 .6 0
2 .5 7
3 9 .6 4
7 .1 2
2 .3 4
1 .3 1
10 .1 7
7 5 .7 8
.37
2 4 .2 2
4 2 .1 9
1 .3 1
4 .2 6
1 .8 5
1 3 .8 5
8 5 .1 8
.38
1 4 .8 1
1 3 .0 3
3 .8 6
3 .9 9
1 .9 5
1 3 .3 2
8 3 .1 0
.54
1 6 .8 9
1 4 .8 0
.06
4 9 .1 9
1 2 .0 7
+
+
1 4 .8 7
.11
.07
1 3 .2 2
6 .4 2
5 60
+
2 1 .1 6
.13
2 1 .2 9
R A TES O F RETUR N O N SECURITIES A N D L O A N S
R e tu rn o n S ecuritie s/
35. Interest on U. S. Treasury securities..................
36. Interest on securities of U. S. G ovt, agencies &
corporations.........................................................
37. Interest on obligations of States and political
subdivisions.....................................................
38. Interest and dividends on all other securities.
5 .7 6
6 .0 6
5 .2 7
6 .6 2
6.0 1
6 .3 9
8 38
R e tu rn o n Loans£
39. Interest and fees on loans....................................
40. N et losses ( —) or recoveries ( + ) on loans.........................
-
.48
-
-
.47
.10
-
.31
-
.28
-
.07
-
.23
-
.29
-
.19
D IS T R IB U T IO N O F A S SETS
P e rc e n ta g e o f T o ta l Assets
41.
42.
43.
44.
45.
U. S. Treasury securities'.......................................
Securities of other U. S. G ovt, agencies & corporations'.
Obligations of States and political subdivision s'...
All other securities'...........................................
Gross loans6.................................................................
1 .2 9
1 7 .3 4
.73
1 7 .0 3
.11
22
53 .42
1A
14 .5K
29
47. Real estate assets.......................................................
1 .6 4
2 .0 7
1 8 .1 4
'
*
3 .1 9
1 8 .3 9
2 .6 4
2 0 .8 8
54
11 53
1 .5 1
5 .2 5
1 8 .3 2
.65
1 .8 6
1 8 .1 0
1 .5 3
1 3 .7 4
2 1 .6 5
1 .1 8
D IS T R IB U T IO N O F L O A N S
P e rc e n ta g e o f G ro ss Loans*’
48. Real estate loans.............................................................
2 1 .7 2
3 5 .5 8
3 6 .0 6
An qo
1 8 '7 !
"
1 5 .7 0
23 63
26 76
23 .33
9 .6 8
1 1 .0 2
4 97
50. Commercial and industrial loans................................
51. Consumer loans to individuals....................................
25 70
26 50
20 12
io.au
in
Qi
1U .91
8 .2 9
5 5 .1 6
9 .2 3
5 5 .2 3
7 .9 0
5 5 .1 2
1 6 .4 3
5 46
7 .6 2
3 4 .8 0
.8 2
2 2 .2 5
2 9 .6 7
12 .4 3
3 6 .3 2
.04
19 .5 1
2 7 .4 8
1 6 .6 4
7 .7 5
6 4 .6 0
8 .7 1
6 6 .8 2
O TH E R R A T IO S
53. Total capital accounts and reserves to total assets'1...........
54. Time and savings deposits to total deposits....................
55. Interest on time and savings deposits to total time
57. Interest and fees on loans excluding Federal funds..........
8 .8 4
4 0 .3 5
8 .0 7
4 .2 6
1 5 .8 5
7 .1 1
1 6 .8 6
7 .3 7
2 4 .4 5
7 .2 7
4 .3 2
7 .1 9
7 .2 1
6 .2 0
7 .2 2
7 2 3 ,0 9 3
6 5 ,4 6 5
50 4 .0 2 6
5 1 ,9 5 6
5 4 1 ,8 6 8
7 1 ,5 7 9
4 6 6 ,1 0 0
4 2 ,2 0 4
4 5 ,9 2 3
7
7 .5S9Q
4 .7 9
1 1 .0 5
7 .6 9
IN T H O U S A N D S O F D O L L A R S
Notes are on page 10.
9
3 7 1 ,6 4 6
3 6 ,9 6 9
3 3 ,8 6 3
3 4 7 ,6 8 3
2 9 ,2 6 6
2 6 2 ,4 8 0
2 6 ,1 5 7
NOTES TO TABLES
a Excludes minority interest in operating income, if any.
b Loans include Federal funds sold and securities pur
chased under agreements to resell.
c Includes net income on trading account securities.
d Averages exclude banks not reporting these items, or
reporting negligible amounts. Ratios are not shown when
fewer than three banks comprise the group.
e Net of tax effect. Includes minority interest in operat
ing income, if any.
f Excludes trading account securities.
8 Denominator is average of total loans for the 15 cal
endar days ending with each call date. Loans include Federal
funds sold and securities purchased under agreements to resell.
h Total capital accounts include capital notes and deben
tures, and all valuation reserves.
* Excludes nine member banks whose ratios would have
distorted the averages.
Banks headquartered in Manhattan with deposits over
Si billion.
* Less than .01 per cent.
10
@FedFRASER