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A T tfy / 1971 operating ratios of second district member banks FEDERAL RESERVE BANK of NEW YORK FED ER AL RESERVE BANK O F N EW YORK May 9, 1972 To A ll Member Banks in the Second Federal Reserve District: Several weeks ago your chief executive bank’s 1971 and 1970 individual operating send you this report on the 1971 operating Second Federal Reserve District, prepared Analysis Department. officer received a copy of your ratios. We are now pleased to ratios of member banks in the by our Regulations and Bank 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 1970 operating ratios. If you have any questions about this report, or desire additional copies, you may contact our Regulations and Bank Analysis Department. A l f r e d H ay es, President. C O N T E N T S Tables Page Income and Expenses of Second District Member Banks, 1970-1971................................. 2 1971 Average Operating Ratios of Member Banks in the Second Federal Reserve District 3 1971 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 tab le s...................................................................................................................... 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 1970, June 1971, and December 1971. 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). Income and Expenses of Second District Member Banks 1970-1971 (In millions of dollars) New York City m oney m arket banks * All Second D istrict m em ber banks All other Second D istrict member banks Item 1971 1970 1971 1970 1971 1970 Number of banks at year-end...................................... 340 342 9 9 331 333 On loans...................................................................... On U. S. Government securities............................... On other securities..................................................... Service charges on deposit accounts......................... Trust department earnings........................................ Other operating earnings........................................... 4 ,5 1 6 .2 5,006.3 2,8 7 8 .4 3,37 1 .8 1,637.8 1,634.5 542.3 498.5 289.9 290.2 252.4 208.3 606.9 550.1 301.7 282.5 305.2 267.6 151.8 149.1 55.1 53.7 96.7 95.4 426.5 389.5 334.9 308.0 91.6 81.5 608.4 525.9 501.1 442.8 107.3 83.1 Total current operating revenue................... 6,852.1 7,1 1 9 .4 4,361.1 4 ,7 4 9 .0 2,4 9 1 .0 2 ,3 7 0 .4 Salaries and wages—officers and employees............ Pensions and other employee benefits...................... Interest on time and savings deposits...................... Interest on borrowed money..................................... Occupancy expenses of bank premises, net.............. Furniture and equipment—depreciation, rents, etc. Provision for loan losses............................................ Other operating expenses.......................................... 1,3 9 2 .0 1,038.8 874.7 832.6 517.3 476.2 277.9 246.1 183.2 160.2 94.7 85.9 1,905.6 1,707.2 1,038.6 956.5 867.0 750.7 421.8 717.4 353.7 604.8 68.1 112.6 315.4 280.9 192.6 175.2 122.8 105.7 159.5 140.9 92.7 81.4 66.8 59.5 173.7 114.7 116.8 75.6 56.9 39.1 813.7 1,125.3 538.5 870.9 275.2 254.4 Total current operating expenses.................. 5 ,4 5 9 .6 5,641.3 3,3 9 0 .8 3,75 7 .2 2,0 6 8 .8 1,884.1 Net current operating earnings................................. Applicable income taxes............................................ 1,392.5 1,478.1 970.3 991.8 422.2 486.3 381.9 469.9 309.8 350.8 72.1 119.1 Income before securities gains or losses................... Net securities gains or losses..................................... 1,0 1 0 .6 1,008.2 660.5 641.0 350.1 367.2 63.0 5.9 53.6 9.3 9 .4 Net income before extraordinary item s................... Extraordinary charges or credits.............................. 1,025.8 945.2 666.4 587.4 359.4 357.8 6.7 3.8 6.7 2 .9 1,019.1 949.0 659.7 590.3 Current operating revenue: Current operating expenses: Net income...................................................... 15.2 - - - - — 359.4 .9 358.7 S o u r c e : Income and expenses are derived from the year-end R ep o rt o f In co m e subm itted by m em ber banks in the Second Federal Reserve D istrict. * Deposits over $1 billion. 2 1 9 7 1 Average Operating Ratios o f Member B anks in the Second Federal R eserve District All Second D istrict Member Banks* All other banks w ith deposits of— Under $5 Million Money M arket Banks** 1971 1970 335 342 1971 $5-$10 Million $10-$50 Million $150 Million and Over $50-$150 Million 1970 1971 1970 1971 1970 1971 1970 1971 1970 1971 1970 9 32 42 39 43 147 150 52 48 56 50 9.59 9.00 6.15 7.07 7.79 7.85 7.91 8.99 9.58 9.99 9.40 10.00 10.18 9.89 10.57 11.18 11.80 11.82 11.13 11.40 12.24 11.90 63.99 32.08 26.70 28.67 26.39 31.31 36.21 39.62 38.32 46.94 43.87 6.19 1.57 2.15 .23 6.24 1.45 2.36 .23 1.04 5.09 .86 .83 6.26 1.46 2.46 .27 1.02 5.23 .86 .91 6.49 1.47 2.44 .26 1.05 5.22 1.01 1.01 6.10 1.50 2.11 .29 1.13 5.04 .87 .90 6.44 1.57 1.99 .29 1.24 5.10 Percentage of Equity Capital Including All Reserves 1. Income after taxes and before securities gains (losses)0 . . 9.38 10.00 10.33 10.19 9.06 9.19 35.90 35.96 6.09 1.47 2.29 .25 1.05 5.07 .80 .85 6.27 1.50 2.21 .24 1.09 5.05 .90 .89 5.01 1.33 1.12 .25 1.25 3.96 .72 .73 5.78 1.32 1.11 .23 1.91 4.59 .77 .71 5.95 1.64 2.00 .21 1.12 4.99 .64 .76 6.09 1.61 1.96 .20 1.04 4.82 .86 .87 6.06 1.53 2.26 .25 1.00 1.00 5.05 .76 .86 4.97 .88 .91 6.14 1.42 2.44 .22 1.02 5.12 .79 .84 12.13 11.42 5.91 5.68 19.45 18.02 16.90 15.76 12.40 11.09 9.06 8.30 7.75 7.17 2.81 1.33 1.04 2.55 2.49 3.46 3.34 4.23 3.81 2.70 1.93 2.35 .76 6.66 1.31 63.87 6.14 5.40 1.41 66.05 6.61 8.14 1.81 63.34 6.32 6.98 .84 66.28 6.78 10.60 .88 64.82 7.04 9.67 .49 67.53 7.38 11.71 .75 66.71 9.04 11.91 .63 66.95 10.24 12.36 .84 65.64 11.03 11.21 .42 70.17 10.24 100.00 100.00 100.00 100.00 100.00 4.41 4.63 2.77 2.76 19.93 19.41 3.47 3.21 39.41 37.71 .74 .88 4.39 4.11 1.55 1.34 13.86 13.75 83.38 80.45 .17 .16 16.61 19.54 14.01 15.69 + .62 + .13 + .12 - .13 14.76 15.69 3.98 2.95 20.78 3.72 34.66 1.77 4.84 2.19 14.47 82.45 .41 17.54 14.70 + .44 .01 15.10 4.16 2.88 20.52 3.71 30.99 3.60 4.56 1.52 14.03 78.95 .41 21.04 15.91 .43 + .07 15.54 5.73 5.39 Percentage of N e t Income SOURCES A N D D ISP O SITIO N OF INCOM E Percentage of Total Assets 10. Income after taxes and before securities gains (losses)0. . 1.00 .98 Percentage of Total O p eratin g Income 13. Interest on securities of U. S. Govt, agencies & 3.35 14. Interest on obligations of States and political 64.96 8.23 9.26 .65 67.54 8.29 100.00 100.00 10.31 1.00 19. Service charges on deposit accountsd (part of item 17). 29. 30. 31. 32. 33. 100.00 100.00 4.23 2.53 21.02 3.21 37.55 .73 4.50 2.34 20.96 3.03 35.27 1.19 Interest on capital notes and debentures'1 (part of item 27).. .14 Income before taxes and securities gains (losses)............. 16.82 13.18 Income after taxes and before securities gains (losses)0. . Net securities gains ( + ) or losses ( —) after tax effect... + .89 All other additions and subtractions (net)*....................... + .04 14.12 .13 19.64 14.63 .19 .01 14.41 1.07 9.81 21.97 4 35 22.56 8.21 4.94 2.75 14.39 79.20 .71 20.79 14.35 + .30 .04 14.60 5.77 5.44 5.61 25. Net occupancy expense of bank premises.......................... 6.19 .41 69.25 17.41 7.11 .67 63.62 21.35 100.00 100.00 100.00 100.00 4.55 .95 4.27 8.44 24.34 19.08 25.28 2.36 3.46 2.75 19.58 33.46 32.07 .21 14.89 .07 3.35 4.01 3.74 2.55 1.48 3.21 14.13 17.15 16.05 79.06 79.67 84.60 .38 20.93 20.32 15.39 14.29 13.14 9.99 .27 .87 + 1.89 + .24 + .03 .13 14.31 12.29 11.75 4.53 .63 22.34 3.07 37.19 .05 4.26 1.82 14.58 83.34 4.49 1.83 22.54 2.96 34.74 .11 3.80 1.47 14.42 80.06 19.93 16.65 14.46 12.64 + 1.45 + .63 + .13 - .13 14.24 14.96 4.36 4.77 1.33 1.24 20.16 20.33 3.00 2.93 39.90 37.91 .18 .26 3.71 3.67 2.27 2.23 14.02 13.93 83.26 81.28 .07 .09 16.73 18.71 13.08 14.10 + .82 - .55 + .05 + .09 13.97 13.63 RATES OF RETURN O N SECURITIES A N D LO AN S Return on Securities/ 35. Interest on U. S. Treasury securities............................ 36. Interest on securities of U. S. Govt, agencies & 6.05 5.47 5.18 5.85 5.46 5.86 2.90 5.70 5.39 4.84 5.51 6.09 6.31 3.58 3.63 5.40 5.26 5.05 5.06 5.00 11.10 4.15 6.70 4.18 6.43 4.50 7.73 4.91 6.92 3.89 5.32 3.41 8.32 4.19 5.60 3.84 6.26 4.21 7.28 4.38 5.99 4.10 6.83 4.27 6.55 4.11 6.46 4.29 6.10 8.71 .41 - 7.80 .33 - 8.09 .48 - 7.91 .16 - 8.27 .23 - 7.75 .25 - 7.7 7 .29 - 7.73 .21 - 8.09 .19 37. Interest on obligations of S tates and political 38. Interest and dividends on all other securities................... 5.51 1.99 Return on Loans# 40. Net losses ( —) or recoveries (+ ) on loans........................ - 7.70 .26 - 7.99 .29 - 6.45 .48 - - 7.55 .33 - 8.09 .23 DISTRIBUTION o f a s s e t s Percentage of Total Assets 42. Securities of other U. S. Govt, agencies & corporations-''. d is t r ib u t io n of 12.69 3.20 14.89 .92 54.31 11.49 1.53 12.93 2.64 13.60 55.93 11.82 1.49 5.20 1.04 5.40 .87 1.27 20.37 2.70 8.81 1.28 52.88 12.50 1.23 11.55 1.57 15 87 13.62 16 01 10.91 13.30 21.15 2.50 .44 49.27 1.01 28 10 99 1.72 10 46 1.54 12.41 3.41 13.94 .59 56.77 10.75 1.52 .72 55.85 10.64 1.70 13.51 35.14 5.66 15.58 28.95 14.64 38.83 2.93 18.24 28.93 11.05 40.21 2.27 17.99 28.66 10.84 37.46 1.05 20.89 30.64 9.94 12.15 54.67 58.61 10.34 56.13 8.65 61.99 8.79 60.50 4.36 19.99 7.52 14.78 7.42 5.70 7.36 7,543 24,715 24,232 82,625 91,440 463,775 438,805 903 2,336 2,335 7,923 9,215 43,160 42,638 3.67 11.45 1 73 3.05 3.93 15 21 77 9.82 2.57 9.85 1.92 17.64 .60 55.81 11.48 1.49 8.13 2.29 18.00 .72 55.32 12.19 1.56 36 86 21.92 31 40 28.37 59.32 53 81 .95 16.37 12.38 1.52 loan s Percentage of Gross Loansb 35.77 3.26 20.88 28.00 12.07 36.18 3.23 9.15 58 63 9.40 56 62 7.43 13.49 7.53 12.12 6.66 .05 29.20 27.94 31.75 .49 29.03 26.20 12.53 OTHER RATIOS 8.37 24 57 55. Interest on time and savings deposits to total time 4.75 4.01 6.42 7.74 7.57 7.58 4.36 20.07 7.54 299,994 262,694 7,357,301 30,412 28,348 774,200 6,601,236 745,730 3,291 505 3,370 475 7,073 811 4.54 5.71 7.54 14 q • 6o i*s 1.00 8.79 50.18 ' b IN TH O USAN DS OF DOLLARS N otes are on page 10. 3 Member Banks with Deposits under $ 5 Million Time deposits to total deposits Under 50 per cent Group Average PROFITABILITY Num ber of b a n k s........ Percentage of Equity Capital Including All Reserves 1. Income after taxes and before securities gains (losses)”. . 2. Net income............................................................................. 50-60 per cent Highest Quartile Group Average Over 60 per cent Highest Quartile Group Average YOUR BA NK Highest Quartile 1971 1970 1971 1971 1970 1971 1971 1970 1971 6 9 3 16 19 4 10 14 3 4.81 5.20 6.62 5.93 6.10 6.51 7.59 8.75 8.38 8.58 13.22 16.75 4.65 5.52 7.75 8.09 10.32 10.50 40.72 31.14 54.17 33.55 26.80 16.06 24.57 23.71 19.80 5.37 1.86 .94 .35 1.19 4.36 .49 .55 5.69 1.79 1.19 .32 1.04 4.35 .80 .75 5.06 1.82 .54 .28 .74 3.39 .94 1.02 6.06 1.62 2.04 .16 1.00 4.84 .91 1.08 6.07 1.56 1.99 .17 1.00 4.73 .96 .97 6.84 1.55 2.01 .16 .90 4.62 1.84 2.40 6.13 1.54 2.58 .20 1.28 5.61 .31 .39 6.36 1.57 2.40 .16 1.08 5.24 .77 .81 6.14 1.13 2.67 .07 .70 4.59 1.20 1.21 24.61 22.99 34.33 19.35 17.07 15.27 16.52 16.12 10.64 2.39 1.25 .04 2.62 2.24 4.55 2.54 3.64 3.84 5.21 1.79 58.26 7.71 3.96 2.82 60.36 8.62 6.57 3.06 48.13 7.85 6.26 1.19 64.68 5.90 5.57 .78 67.57 6.77 9.33 .70 64.61 5.54 8.17 1.23 65.94 5.58 6.09 1.37 67.64 5.11 14.27 .12 66.41 4.69 Percentage of N et Income 3. Cash dividends declared....................................................... SOURCES A N D D ISP OSITIO N O F INCOM E Percentage of Total Assets 4. 5. 6. 7. 8. 9. 10. 11. Total operating income........................................................ 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)®.. Net income............................................................................. Percentage of Total O p eratin g Income 12. Interest on U. S. Treasury securities................................. 13. Interest on securities of U. S. Govt, agencies & corporations....................................................................... 14. Interest on obligations of States and political subdivisions........................................................................ 15. Interest and dividends on all other securities................... 16. Interest and fees on loans6................................................... 17. All other operating income'................................................. 18. Total operating income.................................................... 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 19. 20. 21. 22. 23. 24. 25. 26. 27. 28. 29. 30. 31. 32. 33. 34. Service charges on deposit accountsd (part of item 17)........ Trust department income4 (part of item 17)........................ Salaries and wages................................................................ Officer and employee benefits.............................................. Interest on deposits.............................................................. Interest on borrowed money................................................ Net occupancy expense of bank premises......................... Provision for loan losses (net)............................................. 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. . Net securities gains ( + ) or losses ( —) after tax effect. . . All other additions and subtractions (net)*....................... Net income ....................................................................................................................................... 5.67 5.57 — 29.33 2.54 20.65 .23 5.77 1.86 15.73 76.13 5.83 — 34.71 1.90 10.11 .07 5.88 .88 15.74 67.55 4.30 — 23.70 3.08 34.19 .04 2.80 4.01 12.89 80.75 4.66 4.20 3.38 — 23.47 2.27 42.29 .12 3.45 3.34 17.84 92.83 3.74 3.61 — 32.51 2.64 16.81 .08 6.72 .87 21.46 81.14 — — 22.93 2.64 33.19 .16 2.78 3.41 12.69 77.82 19.61 3.05 29.82 .11 2.41 2.26 11.19 68.48 — _ 23.06 1.86 37.90 .28 2.58 1.83 15.06 82.64 16.61 1.85 43.53 .36 1.23 1.02 10.06 74.69 — — — — 32.46 18.59 + 1.66 10.40 23.87 14.39 + .37 - 1.25 13.49 20.26 19.23 14.11 + 2.33 .05 16.38 22.18 16.02 + .27 .08 16.21 31.50 26.19 + 7.18 .21 33.14 5.26 5.31 4.88 5.27 4.79 5.46 5.93 5.64 6.48 3.31 1.90 1.85 3.30 1.99 5.38 4.19 2.06 8.30 2.99 5.67 2.77 23.16 3.60 6.99 3.78 5.37 3.39 4.13 3.90 6.45 4.60 5.04 3.83 4.48 4.46 4.07 — 18.86 9.24 + 1.15 — — — — 7.18 3.86 + 1.62 .34 5.14 — 17.34 11.88 + .22 + .17 12.26 — 25.30 19.54 + .32 .08 19.79 RATES OF RETURN O N SECURITIES AN D LO AN S Return on Securities/ 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................... Return on Loans£ 39. Interest and fees on loans.................................................... 40. Net losses ( —) or recoveries (+ ) on loans........................ - 7.65 .10 - 8.53 .48 + 7.82 .05 - 8.04 .36 - 8.01 .57 - 9.03 .29 - 7.50 .41 - 7.93 .36 - 6.95 .20 DISTRIBUTION OF ASSETS Percentage of Total Assets 41. 42. 43. 44. 45. 46. 47. U. S. Treasury securities-^.................................................... Securities of other U. S. Govt, agencies & corporations-*'. Obligations of §tates and political subdivisions^.......................... All other securities^............................................................... Gross loans*............................................................................ Cash assets............................................................................. Real estate assets.................................................................. 27.14 2.01 6.34 1.38 47.44 13.70 1.62 25.03 1.20 6.57 1.19 45.91 18.57 1.24 38.26 .04 6.37 2.11 36.70 15.32 .88 21.28 2.49 9.87 1.31 51.61 12.21 .99 20.30 2.20 9.47 1.20 53.20 12.46 .98 17.68 4.48 14.90 .55 52.05 9.32 .81 17.33 2.80 10.97 1.56 56.67 8.92 1.51 17.46 4.33 9.34 1.45 56.93 8.67 1.57 10.30 2.96 19.72 .17 59.28 7.20 .29 28.88 9.47 23.52 17.44 20.67 27.94 8.43 19.01 18.71 25.89 23.03 14.88 25.81 15.94 20.33 36.29 13.18 12.71 30.72 7.08 35.84 12.95 12.47 32.43 6.29 25.01 11.57 11.13 43.46 8.81 33.53 9.62 16.35 29.29 11.19 35.65 9.58 11.71 28.33 14.71 48.02 7.05 14.45 27.69 2.77 17.73 29.90 13.47 35.28 17.47 17.59 11.30 56.04 11.14 55.73 13.58 55.95 11.74 67.21 12.66 65.69 11.66 70.65 2.74 31.95 7.45 3.18 36.57 7.58 1.51 36.27 7.50 4.19 24.94 7.76 4.10 25.47 7.58 4.20 15.24 8.83 4.48 19.75 7.34 4.31 24.47 7.60 4.42 23.08 6.87 3,233 776 3,510 562 j 2,598 639 3,405 435 3,197 409 2,891 445 3,143 452 3,516 509 3,981 541 DISTRIBUTION OF LO AN S Percentage of Gross Loans b 48. 49. 50. 51. 52. Real estate loans................................................................... Loans to farmers................................................................... Commercial and industrial loans........................................ Consumer loans to individuals............................................ All other loans4...................................................................... OTHER R ATIOS 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 deposits............................................................................... 56. Income taxes to net income plus income taxes................ 57. Interest and fees on loans excluding Federal funds......... IN TH O U S A N D S OF DOLLARS 58. Average total deposits.......................................................... 59. Average equity capital including all reserves.................... N otes are on page 10. 4 100.00 Member Banks with Deposits of $ 5 Million to $ 1 0 Million Time deposits to total deposits Under 50 per cent Group Average PROFITABILITY 50-60 per cent Highest Quartile Group Average Over 60 per cent Highest Quartile 1971 1970 1971 1971 1970 1971 5 7 3 13 17 3 7.25 8.78 12.16 14.45 8.70 10.56 6.94 7.97 35.08 20.65 41.93 <24.04 6.09 5.46 1.74 1.05 5 70 1.47 Num ber of b a n k s. . . . Group Average Highest Quartile 1971 1970 1971 21 19 5 9.95 10.38 12.55 12.89 YO UR BA N K Percentage of Equity Capital Including All Reserves 1. Income after taxes and before securities gains (losses)®. 8.12 14.74 16.53 8.67 23.15 30.02 5.62 1.21 6.35 1.49 2.67 Percentage of N e t Income 3. Cash dividends declared........................................ 26.31 15.70 6.45 .93 5.18 .95 .99 6.41 1.35 2.65 .11 .82 4.94 1.23 1.27 11.32 9.11 SOURCES A N D D ISP O SITIO N O F INCOM E Percentage of Total Assets 4. 5. 6. 7. 8. 9. 10. 11. Total operating income...................................................... 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)0. . Net income................................................. 1.90 1.26 .25 1.69 .33 1.10 .70 .84 1.14 1.32 2 2 25 1.04 ' .92 3.95 .90 1.05 4.82 .69 . 78 • 4 15 1.33 1.47 34.08 17.55 18 74 16 49 .70 2.60 .92 .82 Percentage of Total O p eratin g Income 12. Interest on U. S. Treasury securities........... 13. Interest on securities of U. S. Govt, agencies & corporations......................................... 14. Interest on obligations of States and political subdivisions...................................... 15. Interest and dividends on all other securities.................. 16. Interest and fees on loans6....................... 17. All other operating income0............................. 18. Total operating income.............................. 19. Service charges on deposit accountsd ( part of item 17) ........ 20. Trust department incomed ( part of item 17) . . . 21. Salaries and wages...................................... 22. Officer and employee benefits........................ 23. Interest on deposits................................ 24. Interest on borrowed money.............. 25. Net occupancy expense of bank premises....................... 26. Provision for loan losses (net)........... 27. All other operating expenses......... 28. Total operating expenses................ 29. Interest on capital notes and debentures'1 (part of item 2 7 ). . 30. Income before taxes and securities gains (losses)............ 31. Income after taxes and before securities gains (losses)01. . 32. Net securities gains ( + ) or losses ( —) after tax effect. .. 33. All other additions and subtractions (net)* 34. Net income............................. 27.08 59 1.83 1.78 5.64 2.66 5.47 .41 57.87 7.77 .39 49.14 8.26 2.52 64.75 6.43 .50 4.62 1.70 8.25 6.70 5.86 5.91 1.09 67.37 6.31 14.13 .44 68.49 5.14 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 6.20 .87 5.51 6.14 .87 4.34 4.22 2.87 4.28 4.26 4.36 3.57 4 78 19 80 .01 4.14 .60 16.33 72.88 2 83 35 18 .03 5.84 1.75 15.86 84.48 2q ‘ oO 2 io ' ® 9 Sfi 19.42 2.55 40.52 .06 3.36 18.43 2.61 41.53 .07 80 19 11.56 77.09 19.81 15.00 .35 .15 15.51 22.91 19.29 + .54 + .02 19.84 24.64 3.44 20.61 .16 4.33 3.04 18.40 79.79 + 20.21 12.54 2.49 + 29.60 18.87 3.73 + 16.25 3.11 + + 15.04 22.60 12.15 1.75 .02 36 32 .05 2.09 1.80 11.83 73.63 15 4.20 15.16 83.90 - 12.06 .32 .51 + 23.86 2.46 04 3.27 1.57 12.87 83.48 + + 19.37 12.97 1.03 .24 26.32 + + — RATES OF RETURN O N SECURITIES A N D LO AN S Return on Securities/ 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 . . £ 39. Interest and fees on loans.............. 40. Net losses ( —) or recoveries ( + ) on loans........ 5 72 5.67 5.56 2.20 4.81 5.43 5.73 4.03 5.31 4.29 6.13 4.11 5.54 4.76 6.75 8 17 .15 . 25 1.46 6.63 7.12 12.62 5.80 5.88 3.52 4.46 5.06 3.99 6.79 Return on Loans + 7.89 .22 - - .23 .04 - 7.50 .32 - 8.10 .20 - .36 - - .10 DISTRIBUTION OF ASSETS Percentage of Total Assets 41. 42. 43. 44. 45. 46. 47. U. S. Treasury securities'........................... Securities of other U. S. Govt, agencies & corpora d o n s'. Obligations of States and political subdivisions'........ All other securities'..................................... Gross loans6.............................................. Cash assets........................................... Real estate assets.................................... 17.66 2.24 1.76 8.98 21 91 2.14 8.71 33 78 .83 9.87 1.93 1.82 1.76 52.38 14.54 1.52 20.03 1.13 25.14 36.52 21.42 1 15 20.56 41.69 30.55 35 6 58 20.40 21.95 15.34 27.15 15.46 9.57 32.79 9.46 32.36 10.00 27.59 11.80 54.81 11.35 54.54 4.18 32.40 7.58 30.52 7.66 40.98 7.07 18.26 7.38 7,164 784 750 7,850 906 6,877 916 20 24 1.05 9.54 15.03 5.02 13.51 1.51 13.94 5.18 12.52 1.22 55.98 9.26 1.56 9.93 2.66 19.31 .49 57.92 8.62 .95 42.44 5.93 9.88 30.89 10.83 43.65 5.69 11.45 27.77 11.41 44.67 5.56 11.28 28.65 9.81 9.34 9.39 67.12 9.77 66.32 10.03 66.55 4.26 19.02 7.27 4.36 13.11 8.20 4.49 18.26 7.64 4.42 16.98 7.69 4.52 16.02 7.78 8,110 1,077 5,812 614 7,172 753 7,197 803 6,824 767 .27 20.62 54.06 09 1.ob DISTRIBUTION OF LO AN S Percentage of Gross Loans b 48. 49. 50. 51. 52. Real estate loans................................................... Loans to farmers.................................................. Commercial and industrial loans.......................... Consumer loans to individuals...................................... All other loans6........................................................ 12.03 2.28 33.61 7.49 36.15 16.83 OTHER RATIOS 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 deposits..................................................... 56. Income taxes to net income plus income taxes................ 57. Interest and fees on loans excluding Federal funds. . IN TH O U S AN D S OF DOLLARS 58. Average total deposits.................. 59. Average equity capital including all reserves................... N otes are on page 10. 5 100.00 Member Banks with Deposits of Time deposits to to tal deposits PROFITABILITY Num ber of b an k s......... Highest Quartile Group Average Highest Quartile Group Average 55-60 per cent 50-55 per cent U nder 50 per cent Group Average 1971 1970 1971 1971 1970 1971 1971 1970 10 21 3 24 20 6 18 27 Percentage of Equity Capital Including All Reserves 1. Income after taxes and before securities gains (losses)0 .. 2. Net incom e............................................................................. 5.95 6.89 9.77 9.59 14.62 16.59 10.65 11.33 9.90 10.05 14.29 15.84 5.33 6.21 10.59 9.84 49.54 34.55 28.66 30.09 33.78 13.32 29.76 41.14 6.20 1.90 1.66 .37 6.01 1.41 1.68 .24 5.95 1.50 1.99 .23 6.02 1.99 .22 5.47 1.17 1.94 .12 4.21 4.79 4.80 3.95 1.51 .96 .88 1.46 6.16 1.58 2.27 .27 1.18 5.31 .63 .70 6.28 1.45 2.28 .23 .47 6.27 1.73 1.70 .32 1.33 5.10 .83 .82 15.33 12.88 14.12 12.90 11.70 17.25 12.10 11.76 2.55 4.04 .05 4.18 3.55 1.89 4.43 1.91 10.47 .49 61.25 9.89 100 . 00 9.87 .62 63.23 9.33 100.00 18.63 .19 60.48 6.51 100.00 11.20 .68 62.42 8.59 100.00 10.26 .20 66.22 8.04 100.00 19.76 .23 54.12 6.72 100.00 8.10 .34 67.99 7.01 9.56 .33 69.03 7.38 100.00 100.00 5.22 4.12 26.43 3.96 26.94 .49 6.07 6.15 18.37 88.43 5.38 2.32 24.31 3.16 27.38 .46 5.13 3.65 16.44 80.57 .07 19.42 13.96 .22 3.10 2.03 20.31 2.87 28.42 1.20 4.11 2.16 10.64 69.72 5.33 1.22 21.60 2.73 33.11 .11 3.72 3.07 15.08 79.44 .12 20.55 15.06 .70 + . 50 14.85 4.75 .36 19.47 1.98 35.69 .91 2.34 .48 11.64 72.54 27.45 24.10 + 2.54 + .02 26.67 4.56 .78 22.57 3.20 37.03 .10 4.39 3.42 15.51 86.26 .03 13.73 10.32 + 1.21 .09 11.51 5.17 .53 20.26 2.73 36.52 .19 3.60 2.71 14.11 80.14 .06 19.85 14.94 - 1.31 - .02 13.60 5.92 5.67 Percentage of N e t Income 3. Cash dividends declared...................................................... SOURCES A N D D ISP OSITION O F INCOM E P ercentage of Total Assets 4. 5. 6. 7. 8. 9. 10. 11. Total operating incom 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)0 . . Net incom e............................................................................ 5.57 5.06 .83 Percentage of Total O perating Income 12. Interest on U. S. Treasury securities................................. 13. Interest on securities of U. S. Govt, agencies & corporations....................................................................... 14. Interest on obligations of States and political 15. Interest and dividends on all other securities................... 17. All other operating income*................................................. 19. Service charges on deposit accounts? (part of item 1 7 ) ........ 20. Trust department income? (part of item 1 7 ) ........................ 22. Officer and employee benefits.............................................. 25. Net occupancy expense of bank premises......................... 29. 30. 31. 32. 33. Interest on capital notes and debenturesd (part of item 27) . . Income before taxes and securities gains (losses)............. Income after taxes and before securities gains (iosses)° . . Net securities gains ( + ) or losses ( —) after tax effect... All other additions and subtractions ( n e t) '....................... — — 9.01 13.72 25.98 5.25 1.47 22.39 2.85 33.66 .37 3.86 1.40 15.91 80.47 .12 19.52 15.27 + 1.29 — .11 16.45 5.89 5.51 5.87 5.57 5.37 5.39 3.90 6.29 1.50 5.71 4.21 4.49 5.96 4.14 3.95 6.55 4.22 6.40 4.93 5.80 4.05 6.42 4.11 5.63 4.21 6.49 4.33 5.87 4.48 5.16 — 11.56 7.15 + 1.86 — 30.27 21.63 + 4.35 — — RATES OF RETURN O N SECURITIES AN D LO AN 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 Return on Securities 38. Interest and dividends on all other securities................... 2 39. Interest and fees on lo ans.................................................... 40. Net losses ( —) or recoveries ( + ) on loans........................ Return on Loans - 8.28 .54 - 7.83 .43 — 9.11 .05 - 7.58 .18 - 7.81 .37 - 7.39 .01 - 8.09 .45 - 7.83 .40 DISTRIBUTION OF ASSETS Percentage of Total Assets 41. 42 43. 44. 45. U. S. Treasury securities'..................................................... Securities of other U. S. Govt, agencies & corporations'. Obligations of States and political subdivisions'.............. All other securities'............................................................... Gross loans6............................................................................ 47. Real estate assets.................................................................. 15.77 2.34 13.29 .45 50.32 15.43 1.62 13.85 3.20 13.90 .60 52.08 14.07 1.57 14.69 13.51 3 . 50 15.79 12.97 3 . 56 14.46 46.69 14.25 1.23 52.15 12.14 1.49 22.92 1.50 31.32 30.47 13.77 29.45 2.00 24.84 30.68 13.00 19.16 2.13 38.15 17.58 22.97 9.69 42.45 9.10 44.13 4.49 21.64 7.54 27,981 3,177 54.30 12.18 1 . 53 17.74 1.47 25.13 .19 43.42 10.76 .80 12.53 3.83 12.37 .61 56.97 11.17 1.80 13.23 1.86 13.79 .55 57.83 10.78 1.49 38.53 2.41 21.05 28.17 9.80 42.23 1.12 22.95 22.91 10.77 52.95 5.05 12.01 20.53 9.44 35.78 1.18 22.01 29.00 11.99 38.04 2.21 16.81 31.01 11.91 9.15 42.88 8.84 52.21 9.23 52.75 9.92 52.20 8.46 57.24 8.92 58.09 4.43 1.92 7.57 4.48 31.19 7.66 4.36 19.50 7.23 4.29 12.44 7.32 4.22 14.47 6.94 4.47 16.40 7.65 4.44 5.46 7.51 26,422 2,674 34,690 3,728 26,148 2,457 25,068 2,524 16,621 1,763 24,519 2,183 21,737 2,118 DISTRIBUTION OF LO AN S Percentage of Gross Loans b 48. 49. 50. 51. 52. Real estate loans................................................................... Loans to farmers........... _...................................................... Commercial and industrial loans........................................ Consumer loans to individuals............................................ All other loans6...................................................................... OTHER R ATIO 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......... IN TH O U S A N D S OF DOLLARS 59. Average equity capital including all reserves.................... N otes are on page 10. 6 $ 1 0 Million to $ 5 0 Million Time deposits to to tal deposits 65-70 per cent 60-65 per cent Group Average Highest Quartile 1971 1971 5 38 Group Average Highest Quartile 1970 1971 1971 32 10 27 Over 70 per cent Highest Quartile Group Average H ighest Quartile 1970 1971 1971 1970 1971 22 7 30 28 8 YOUR BA NK - 1. 10.84 11.58 10.20 10.64 11.17 10.97 12.60 13.60 11.04 11.64 10.72 10.21 15.68 16.27 9.53 9.98 8.74 8.57 13.06 13.55 2. 21.51 26.74 33.56 23.70 30.92 42.98 27.30 33.28 32.15 33.12 3. 6! 13 1.41 2.14 .20 .86 4.62 1.12 1.20 6.12 1.39 2.45 .21 .93 5.00 .85 .90 6.18 1.36 2.45 .21 .88 4.91 .93 .91 6.10 1.24 2.33 .16 .78 4.52 1.20 1.29 6.19 1.30 2.67 .21 .89 5.09 .88 .92 6.27 1.35 2.60 .20 .96 5.14 .88 .84 6.21 1.06 2.71 .15 .73 4.66 1.19 1.23 6.24 1.26 2.93 .17 .92 5.30 .78 .82 6.39 1.43 2.89 .20 .96 5.49 .72 .72 6.44 1.19 2.85 .16 .79 5.00 1.15 1.19 4. 5. 6. 7. 8. 9. 10. 11. 9.86 12.83 10.38 10.37 11.21 10.97 12.52 11.72 9.57 6.51 12. 1.95 3.90 2.91 7.09 4.55 5.15 5.79 4.85 5.64 5.14 13. 13.42 .18 67.79 6.77 10.74 .88 64.83 6.79 10.00 .58 69.31 6.79 12.58 1.40 61.52 7.01 11.34 1.33 65.02 6.52 9.74 .31 66.50 7.31 13.63 3.37 58.29 6.37 10.83 1.09 65.85 5.63 8.78 .78 69.01 6.19 14.70 .99 66.85 5.77 14. 15. 16. 17. 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 4.58 1.01 20.24 3.10 34.95 „ .01 3.30 2.11 12.07 75.80 — 24.19 18.08 + 1.73 .17 19.64 4.28 1.19 19.64 3.03 40.27 .14 3.52 1.86 13.08 81.56 .06 18.43 14.14 + .42 + .28 14.85 4.33 1.23 19.03 3.00 39.79 .10 3.42 1.43 12.72 79.51 .02 20.48 15.18 .33 -f .06 14.90 4.15 2.28 17.53 2.75 38.33 .05 2.73 .89 11.77 74.08 — 25.91 19.74 + 1.33 + .22 21.30 4.41 1.13 18.16 2.83 43.51 .15 3.46 1.29 12.90 82.33 .07 17.66 14.26 + .69 + .04 15.01 4.78 1.57 18.78 2.80 41.66 .24 3.32 1.71 13.35 81.90 .19 18.09 14.00 .46 .04 13.48 4.50 .42 14.78 2.25 43.99 .38 2.41 .99 10.30 75.11 .21 24.88 19.38 + .69 — 20.07 3.33 .95 17.29 2.82 47.21 .07 2.84 2.38 12.34 84.97 .08 15.02 12.55 + .51 — 13.06 4.00 .59 19.20 3.09 45.48 .48 3.15 1.43 12.89 85.75 .10 14.23 11.53 .29 + .12 11.36 3.85 .72 15.78 2.82 44.31 .10 2.53 2.46 9.74 77.75 .16 22.24 17.88 + .55 + .02 18.45 19. 20. 21. 22. 23. 24. 25. 26. 27. 28. 29. 30. 31. 32. 33. 34. 6.07 5.76 5.44 5.53 6.21 5.53 6.51 5.87 5.50 6.02 35. 3.03 4.51 5.27 6.11 6.03 5.45 5.93 5.90 6.17 5.04 36. 4.78 5.44 4.25 7.36 4.17 6.33 4.51 6.15 4.12 10.00 4.13 5.70 4.40 23.40 4.40 6.51 5.00 6.57 4.48 5.23 37. 38. 7.69 .20 39. 40. ' - 8.44 .22 - 7.68 .21 - 7.76 .23 - 7.60 .13 - 7.82 .15 - 7.91 .20 - 7.83 .13 - 7.54 .23 - 7.51 .18 - 100.00 18. 10.44 1.29 18.16 .91 56.59 10.09 1.56 13.34 3.81 15.40 .90 54.27 10.20 1.49 11.73 2.64 14.31 .74 57.92 10.51 1.59 11.18 6.30 16.91 1.22 52.47 10.16 1.11 11.05 4.81 16.73 .60 55.02 9.42 1.60 12.23 4.64 15.00 .34 55.90 9.69 1.47 11.71 8.16 19.04 .37 49.60 9.54 .81 12.34 4.23 15.50 1.03 56.73 8.30 1.38 11.07 4.84 12.48 .90 60.40 8.33 1.46 7.06 4.53 21.21 .99 56.76 7.65 1.38 41. 42. 43. 44. 45. 46. 47. 29.58 2.70 22.97 28.16 16.58 38.58 2.67 18.04 28.38 12.30 42.41 2.04 18.13 28.23 9.17 39.59 1.23 17.73 28.73 12.70 41.32 2.35 16.20 29.74 10.37 40.90 3.27 15.30 29.81 10.69 42.38 1.50 16.65 28.44 45.86 2.85 12.40 28.60 10.26 44.91 3.11 11.00 44.28 5.71 11.45 28.94 9.60 31.90 9.06 48. 49. 50. 51. 52. 10.49 56.91 8.84 62.38 8.49 62.52 9.61 62.10 8.15 67.76 8.59 67.58 8.08 68.05 8 .4 6 73.47 8.62 72.77 9.52 74.06 53. 54. 4.33 20.35 7.92 4.45 13.22 7.45 4.43 9.50 7.24 4.26 21.52 7.28 4.46 12.57 7.42 4.34 2.81 7.34 4.50 22.24 7.33 4.49 11.72 7.34 4.48 1.89 7.23 4.36 16.65 7.57 55. 56. 57. 23,038 2,738 21,733 2,139 26,560 2,554 25,181 2,723 28,246 2,538 23,543 2,188 30,075 2,617 23,196 2,118 22,281 2,021 24,467 2,502 KR | 59. 11.00 ' 7 Member Banks with Deposits of $ 5 0 Million to $ 1 5 0 Million Time deposits to to tal deposits Under 50 per cent Group Average 19711 PROFITABILITY 50-60 per cent Highest Quartile Group Average Over 60 per cent Highest Quartile Group Average Highest Quartile 1970 1971 1971 1970 1971 1971 1970 1971 5 4 3 12 20 3 35 24 9 10.11 10.80 11.58 11.91 11.24 11.31 10.47 10.78 12.29 11.79 12.74 12.92 10.68 11.37 11.43 11.83 12.59 13.97 55.36 40.19 67.69 38.10 40.23 37.25 37.89 36.42 29.06 6.10 1.72 1.50 .45 1.08 4.77 .94 1.01 6.56 1.71 1.68 .27 1.18 4.86 1.09 1.12 5.61 1.53 1.49 .33 1.00 4.36 1.07 1.08 6.02 1.46 2.13 .27 .99 4.87 .93 .96 6.32 1.47 2.17 .27 .98 4.90 1.10 1.06 1.37 2.04 .23 .82 4.46 1.11 1.12 1.43 2.71 .25 1.01 5.42 .83 .88 2.79 .25 1.08 5.55 .92 .95 1.36 2.58 .24 .93 5.13 1.08 1.19 12.01 11.44 11.99 9.95 8.62 11.93 8.34 7.52 7.37 .74 .54 .71 3.47 2.74 2.72 2.71 1.48 1.40 10.68 .34 60.32 15.88 10.21 .18 62.56 15.04 16.35 .28 60.68 9.97 12.75 .66 63.31 9.84 12.76 .72 65.40 9.73 15.84 .48 57.57 11.43 11.51 .84 68.79 7.79 11.48 14.15 68.98 9.87 68.28 8.46 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 5.79 11.84 24.23 4.16 24.33 .41 7.10 1.40 16.02 77.67 .21 22.32 16.14 + .96 — 17.10 5.42 8.23 22.19 3.93 25.31 .53 4.27 2.06 15.43 73.74 .31 26.25 17.28 + .53 .08 17.74 7.08 1.20 23.41 4.07 26.30 .67 5.95 1.52 15.47 77.41 4.48 1.12 17.65 3.60 40.42 .12 3.84 1.21 13.24 80.09 16.19 19.72 3.86 1.44 19.06 3.31 42.93 .85 3.95 1.65 13.33 85.10 .17 14.89 13.12 + .62 + .18 13.93 3.95 1.58 18.63 2.91 42.42 1.18 3.88 1.32 13.59 83.96 .15 16.03 13.87 + .45 19.57 5.28 3.07 19.78 3.43 34.55 .60 4.34 1.22 13.61 77.57 .14 22.42 17.56 .33 .29 16.92 6.52 8.89 20.24 3.39 35.81 .34 3.97 .98 12.83 77.58 22.58 19.46 + .10 5.47 4.21 20.67 3.65 35.44 .57 4.55 1.35 14.50 80.77 .13 19.23 15.72 + -47 Num ber of b a n k s. . . . YOUR BA NK Percentage of Equity Capital Including All Reserves 1. Income after taxes and before securities gains (losses)0. 2. Net income................................................................. P ercentage of N e t Income 3. Cash dividends declared........................................ SOURCES A N D D ISP O SITIO N OF INCOM E Percentage of Total Assets 4. 5. 6. 7. Total operating income.......................................... Salaries, wages, and fringe benefits........................ Interest on deposits........................................ N et occupancy expense of bank premises................ 8. All other operating expenses.......................... 9. Total operating expenses................................ 10. Income after taxes and before securities gains (losses)0. . 11. Net income..................................................... P ercentage of Total O p eratin g Income 12. Interest on U. S. Treasury securities................................. 13. Interest on securities of U. S. Govt, agencies & corporations..................................................................... 14. Interest on obligations of States and political subdivisions....................................................................... 15. Interest and dividends on all other securities................... 16. Interest and fees on loans6.................................................. 17. All other operating income'................................................. 18. Total operating income.................................................... 19. 20. 21. 22. 23. 24. 25. 26. 27. 28. 29. 30. 31. 32. 33. 34. Service charges on deposit accountsd (part of item 17)........ Trust department incomed (part of item 17)........................ Salaries and wages................................................................ Officer and employee benefits.............................................. Interest on deposits.............................................................. Interest on borrowed money............................................... Net occupancy expense of bank premises......................... Provision for loan losses (net)............................................. 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. . Net securities gains ( + ) or losses ( —) after tax effect... All other additions and subtractions (net)*....................... N et income............................................................................. — — — — 22.42 19.47 + .25 — _ 14.31 19.90 16.93 + 1.16 + .60 18.70 5.80 __ RATES O F RETURN O N SECURITIES A N D LO AN S Return on Securities / 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................... 5.41 5.41 5.70 5.47 5.34 5.14 5.82 5.42 2.78 3.70 3.17 5.52 5.56 6.60 5.22 4.87 5.00 4.30 5.51 3.87 3.65 4.12 5.75 3.92 7.07 4.20 7.28 3.88 10.09 4.13 6.94 4.40 6.43 4.11 6.01 Return on Loans 2 39. Interest and fees on loans.................................................... 40. Net losses ( —) or recoveries (+ ) on loans........................ - 7.03 .22 - 7.93 .21 - 7.10 .18 - 7.57 .20 - 7.90 .18 - 7.53 .16 - 7.89 .21 - 8.28 .20 - 8.04 .19 DISTRIBUTION OF ASSETS Percentage of Total Assets 41. U. S. Treasury securities^.................................................; 42. Securities of other U. S. Govt, agencies & corporations-^. 43. Obligations of States and political subdivisions^.............. 44. All other securities^............................................................. 45. Gross loans4............................................................................ 46. Cash assets............................................................................. 47. Real estate assets................................................................ 12.98 1.13 14.56 .38 53.03 15.36 1.26 13.10 .61 13.64 .35 51.01 18.81 1.05 11.29 1.02 22.13 .27 49.41 13.29 1.85 10.83 3.10 19.21 .58 51.89 11.61 1.80 10.05 2.66 18.89 .65 54.18 11.22 1.41 13.03 2.46 23.27 .24 45.55 13.67 1.07 9.03 2.59 17.62 .82 57.61 9.63 1.73 9.14 1.52 17.25 .59 57.97 10.48 1.62 8.10 1.32 21.84 .31 56.42 9.28 1.66 17.87 .13 36.62 17.73 27.63 15.72 .16 43.31 19.84 20.95 28.99 .22 25.19 26.97 18.62 37.03 1.30 20.90 31.14 9.61 38.83 .46 20.50 31.90 8.28 43.07 2.46 14.75 28.89 10.81 40.40 1.10 18.64 32.32 7.52 38.23 1.31 19.54 32.38 8.52 36.73 1.69 19.69 36.75 5.13 9.72 38.84 9.82 34.24 9.56 42.04 9.25 56.02 9.27 55.63 8.84 56.71 8.05 67.02 8.40 66.58 8.70 65.28 4.51 27.68 7.00 5.47 32.70 7.71 4.10 12.74 7.11 4.38 17.80 7.39 4.49 16.81 7.49 4.09 12.60 7.21 4.60 1.57 7.66 4.82 9.25 7.83 4.53 15.12 7.75 77,579 8,805 76,953 8,629 72,385 8,059 80,455 8,573 101,150 10,627 83,715 8,844 84,089 7,574 85,763 8,136 89,277 9,042 D ISTRIBUTION O F LO AN S Percentage of Gross Loans & 48. Real estate loans.................................................................... 50. Commercial and industrial loans........................................ 51. Consumer loans to individuals............................................ OTHER R ATIOS 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 deposits............................................................................... 56. Income taxes to net income plus income taxes................ 57. Interest and fees on loans excluding Federal funds......... - IN TH O U S A N D S OF DOLLARS 58. Average total deposits.......................................................... 59. Average equity capital including all reserves................... N otes are on page 10. 100.00 M ember Banks with Deposits of $ 1 5 0 Million and Over Time deposits to to tal deposits 50-60 per cent Under 50 per cent Group Average Group Average Highest Quartile Over 60 per cent Group Average Highest Quartile Highest Quartile 1971 1970 1971 1971 1970 1971 1971 1970 1971 13 22 3 29 19 7 14 9 4 10.41 12.89 11.99 11.46 11.66 11.61 11.35 14.41 14.73 11.11 11.25 11.98 11.57 14.07 13.99 64.36 40.41 52.39 39.97 43.66 40.29 45.21 52.75 38.41 5.88 1.62 1.49 .31 1.19 4.63 .94 1.00 6.35 1.58 1.60 .28 1.26 4.73 1.13 1.10 5.79 1.50 1.31 .29 1.02 4.13 1.23 1.25 6.11 1.51 2.13 .30 1.13 5.09 .88 .90 6.61 1.64 2.18 .32 1.28 5.44 .93 .91 5.93 1.30 1.95 .23 .97 4.47 1.18 1.21 6.26 1.36 2.63 .27 1.07 5.35 .80 .81 6.32 1.40 2.52 .26 1.08 5.28 .86 .84 6.10 1.20 2.53 .21 .91 4.86 1.09 1.09 6.48 6.20 6.79 7.97 8.16 8.83 8.49 7.46 8.06 .79 .70 .30 3.35 1.06 8.13 1.72 .29 1.13 11.47 .47 68.00 12.76 11.24 .30 70.30 11.23 12.81 .65 68.18 11.26 12.73 1.20 63.95 10.76 11.20 .56 68.99 10.00 15.08 1.45 55.80 10.70 12.42 .44 66.94 9.97 11.12 .44 72.34 8.32 15.86 .42 67.01 7.50 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 21.55 4.40 2.39 20.86 3.93 33.14 3.00 4.95 1.40 14.87 82.20 .43 17.79 14.29 .48 + .18 13.98 3.41 2.11 18.58 3.10 42.19 1.31 4.26 1.85 13.85 85.18 .38 14.81 13.03 + .11 + .07 13.22 4.06 2.22 19.18 2.87 40.19 2.86 4.12 1.28 12.95 83.48 .28 16.51 13.88 .74 + .33 13.46 3.47 1.16 16.93 2.49 41.79 .12 3.40 1.10 13.54 79.39 17.38 4.26 2.61 20.74 3.85 34.99 2.20 4.92 1.78 14.40 82.91 .43 17.08 14.73 + .36 .07 14.99 4.30 4.13 17.99 3.44 32.89 2.48 3.91 .97 13.03 74.72 .15 25.27 20.53 + .67 34. Net income............................................................................. 4.00 3.61 20.77 3.86 25.37 4.42 4.40 1.71 13.74 74.30 .44 25.69 18.14 .27 .11 17.74 3.65 4.95 21.32 4.50 22.65 1.68 5.06 1.84 14.17 71.25 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. . Net securities gains (+ ) or losses ( —) after tax effect... 3.97 4.54 23.22 4.11 25.80 1.33 5.28 3.45 15.27 78.49 .41 21.51 16.41 •f .96 PROFITABILITY Num ber of b an k s........ YOUR BANK Percentage of Equity Capital Including All Reserves 1. Income after taxes and before securities gains (losses)0. . Percentage of N et Income SOURCES A N D D ISP OSITION OF INCOM E Percentage of Total Assets 10. Income after taxes and before securities gains (losses)0. . Percentage of Total O p eratin g Income 13. Interest on securities of U. S. Govt, agencies & 14. Interest on obligations of States and political 15. Interest and dividends on all other securities.................. 17. All other operating income'................................................. 19. Service charges on deposit accountsd (part of item 17)........ 20. Trust department incomed (part of item 17)........................ 23. Interest on deposits.............................................................. 25. Net occupancy expense of bank premises......................... 29. 30. 31. 32. 28.74 21.33 + .23 21.20 - 20.60 18.25 .06 18.17 RATES OF RETURN O N SECURITIES AN D LO AN S Return on Securities/ 4.98 6.06 5.67 6.26 5.81 5.41 5.94 4.65 5.00 6.72 5.36 5.74 5.51 4.58 4.59 5.72 3.85 8.38 4.31 3.00 4.06 11.24 4.14 6.01 4.22 6.50 4.24 7.12 4.30 5.60 4.41 5.47 4.31 6.38 4.90 36. Interest on securities of U. S. Govt, agencies & 37. Interest on obligations of States and political Return on Loans*? 40. Net losses ( —) or recoveries ( + ) on loans........................ d is t r ib u t io n - 7.58 .47 - 8.25 .29 - 7.68 .17 - 7.40 .28 - 8.08 .20 - 6.70 .11 - 7.83 .29 - 7.74 .14 - 7.63 .13 o f assets Percentage of Total Assets 42. Securities of other U. S. Govt, agencies & corporations'. .73 17.03 .35 56.80 14.52 1.64 7.73 .77 15.57 .31 58.57 13.91 1.43 7.56 .28 18.25 .37 55.83 14.84 1.62 7.99 3.19 18.39 .99 54.58 11.53 1.51 9.07 1.18 17.32 .43 57.32 11.57 1.56 8.51 7.53 19.73 .99 49.60 10.49 1.32 8.87 1.86 18.10 .51 55.48 11.40 1.60 34.21 .27 25.70 26.50 13.30 37.67 .39 24.76 28.91 8.25 41.74 .51 21.43 34.80 8.68 .89 16.34 .45 60.32 10.38 1.66 22.21 .35 54.85 10.75 1.15 22.25 29.67 12.43 20.26 29.43 9.98 15.79 35.69 7.45 7.75 64.60 7.70 63.00 7.82 62.79 8.37 1.12 DISTRIBUTION OF LOAN S Percentage of Gross Loans'7 21.72 .21 40.90 21.45 15.70 17.26 21.95 .02 35.98 25.84 16.19 9.68 39.17 9.32 40.76 10.33 36.60 8.29 55.16 8 68 55.02 4.39 16.86 7.37 4.71 24.14 7.95 4.19 24.86 7.37 4.58 6.20 7.22 7.91 4.46 17.72 6.64 4.71 8.23 7.59 4.65 9.37 7.52 4.55 9.76 7.48 504,026 51,956 520,778 52,316 514,136 64,148 501,777 45,923 389,773 37,339 263,079 28,250 347,683 29,266 341,942 30,168 244,001 21,376 .30 9.81 OTHER RATIOS 55. Interest on time and savings deposits to total time IN TH O US AN D S OF DOLLARS N otes are on page 10. 9 100.00 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. g 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 five member banks whose ratios would have distorted the averages. ** Banks headquartered in Manhattan with deposits over Si billion. * Less than .01 per cent. 1 0
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