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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

$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

342

1971

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
100.00

100.00

1.00

19. Service charges on deposit accountsd (part of item 17).

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

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

5.61

25. Net occupancy expense of bank premises..........................

29.
30.
31.
32.
33.

6.19
.41
69.25
17.41

7.11
.67
63.62
21.35

9.26
.65
67.54
8.29

10.31

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

5.51

5.70

5.39

4.84

5.51

6.09

6.31

3.58

1.99

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

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

12.93
2.64
13.60

13.62

16 01

10.91

13.30

21.15
2.50

1.01

28 10
99

1.72

10 46
1.54

.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

.44
49.27

12.41
3.41
13.94
.59
56.77
10.75
1.52

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

6.66
.05

12.12

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

50-60 per cent
Highest
Quartile

Group
Average

Over 60 per cent
Highest
Quartile

Group
Average

YOUR
BA NK
Highest
Quartile

1971

1. Income after taxes and before securities gains (losses)”. .
2. Net income.............................................................................

1970

1971

1971

1970

1971

1971

1970

1971

6

PROFITABILITY
Num ber of b a n k s........
Percentage of Equity Capital Including All Reserves

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

50-60 per cent
Highest
Quartile

Group
Average

Over 60 per cent
Highest
Quartile

1971
PROFITABILITY

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

Group
Average

Num ber of b a n k s. . . .

Highest
Quartile

1971

1970

1971

21

19

5

9.95
10.38

YO UR
BA N K

12.55
12.89

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

2

2 25
1.04

'

1.14
1.32

4.82
.69
. 78

•

4 15
1.33
1.47

34.08

.70
.84

.92
3.95
.90
1.05

17.55

18 74

2.60

16 49

.70

.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)0. .
1
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

Highest
Quartile

Group
Average

Highest
Quartile

Group
Average

55-60 per cent

50-55 per cent

U nder 50 per cent

Group
Average

1971
PROFITABILITY

Num ber of b an k s.........

1970

1971

1971

1970

1971

1971

1970

10

21

3

24

20

6

18

27

Percentage of Equity Capital Including All Reserves
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

6.27
1.73
1.70
.32
1.33
5.10
.83
.82

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

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

1. Income after taxes and before securities gains (losses)0 ..
2. Net incom e.............................................................................

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*.................................................

—

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) '.......................

25.98

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

25. Net occupancy expense of bank premises.........................

13.72

5.89

22. Officer and employee benefits..............................................

—

9.01

19. Service charges on deposit accounts? (part of item 1 7 ) ........
20. Trust department income? (part of item 1 7 ) ........................

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

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

Group
Average

Highest
Quartile

5

1970

38

1971

1971

32

1971

1971

10

27

Over 70 per cent
Highest
Quartile

Group
Average

H ighest
Quartile

1970

1971

1971

1970

1971

22

7

30

28

YOUR
BA NK

8

-

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

K
R
| 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

YOUR
BA NK

Num ber of b a n k s. . . .

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

YOUR
BANK

PROFITABILITY

Num ber of b an k s........

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

7.56
.28
18.25
.37
55.83
14.84
1.62

7.73
.77
15.57
.31
58.57
13.91
1.43

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

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