View PDF

The full text on this page is automatically extracted from the file linked above and may contain errors and inconsistencies.

G

w

Ac, 71
J>

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 & Million to $10 Million..................................................................
5

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

New York City
money market banks *

1972

1972

1971

335

340

9

9

4 ,6 95 .0

4 ,516.2

2,909.7

438.5

Number of banks at year-end......................................

1971

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*

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

P R O F IT A B IL IT Y

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.

8 .0 9

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

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....................

5.6 1

5 .3 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

O ver 60 per cent

H ighest
Q uartile

G rou p
A verag e

YOUR
BANK
H ighest
Q uartile

1972

P R O F IT A B IL IT Y

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
4 .9 9
5 .1 6

7 .5 9
8 .7 5

2 9 .7 8

2. N et incom e.....................................................................................................................................

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..................................................................................................................

4 .8 4
.91
1 .0 8

s in

1 .2 7
1 .2 7

an
.80

1 9 .3 5

.67

4 54

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 ’fn
6 .82

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
3 .3 8

48
3 .8 4
1 .0 9
8 3 .3 5

2 0 .8 7

12 43
1 .1 2

+

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

9 VI

+

6 4 .7 0
4 .2 9

1 8.31
3 .7 9
4 2 .3 8

1 .6 2

1 17
19 98
la u
7 9 .3 4

+

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-^...............................................................................................................

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

43. Obligations of States and political subdivisions^........................................................................

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

G roup
A verag e

H ighest
Q uartile

G rou p
A verage
1972

P R O F IT A B IL IT Y

1971

1972

1972

6

5

3

1971

11

N u m b er o f b a n k s .........

O ver 60 p er cen t
H ighest
Quartile

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
1 .3 4
.25

.70
.84

2 3 .6 9

2 7 .0 8

3 5 .5 9

1 8 .4 7

1 7 .5 5

.59

10. Income after taxes and before securities gains (losses)0. .

.25

4 .9 5
.29
.31

5 .1 9
1.71
1 .2 8
.14
.89
4 .0 3
.76
.80

.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 &

6 .3 2
4 .0 5

1 .7 5

5 .5 1

2 .1 4

5 .7 2

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.5 6
8 tft

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 .........

1972

1972

3

10

8

G rou p
Average

H ighest
Quartile

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 7 .3 7
.84

+ 1.21

.19
1 8 .4 0

1 6 .4 5

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 .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

3 .0 3
1 .0 2
1 5.91
2 .6 5
4 8 .5 5
.24

6 .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

-

—

—

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

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

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

P R O F IT A B IL IT Y

1971

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

1 8 .6 9

+
+

2 0 .2 4

+
+

+

.14

5 .3 7

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

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

1 .4 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

G rou p
A vera g e

H ighest
Q uartile

1972

1972

1971

1972

1972

1971

25

29

6

22

14

YOUR
BANK

1972

3

1971

13

O ver 60 per cent
H ighest
Quartile

6

13

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. .

.78
1 .1 6
1 .2 0

1 .1 9
4 .6 3
.94

.7 8
.81

2 .0 7
.31
1 .1 5
.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

+

2 1 .1 6
.13

5 60

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

2
2
53 .42

1A.5 2
9
14 K

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

A qo
n

1 8 '7 !

"
1 5 .7 0

23 63
26 76
23 .33

9 .6 8

1 1 .0 2

3 4 .8 0
.8 2
2 2 .2 5
2 9 .6 7
12 .4 3

4 97
50. Commercial and industrial loans................................
51. Consumer loans to individuals....................................

25 70
26 50

20 12

io.au

in .91
i
1U Q

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 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

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

57. Interest and fees on loans excluding Federal funds..........

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

7.5 9
Q
7 S

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


Federal Reserve Bank of St. Louis, One Federal Reserve Bank Plaza, St. Louis, MO 63102