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F ederal Reserve Ba n k o f D a lla9

DALLAS, TEXAS 75222

Circular No. 75-59
April 25,1975

OPERATING RATIOS OF MEMBER BANKS
ELEVENTH FEDERAL RESERVE DISTRICT

To All Member Banks
in the Eleventh Federal Reserve District:
The annual statement of operating ratios of member banks in the
Eleventh Federal Reserve District i shown in the inside pages of this
s
release reflecting the 1974 data compared to that of 1973. A separate
tabulation giving the relevant ratios for your bank has been enclosed in
the statement sent to the chief executive officer of your bank.
Additional copies of this report are available upon request.

Sincerely yours,
Ernest T. Baughman

President

Enclosure

This publication was digitized and made available by the Federal Reserve Bank of Dallas' Historical Library (FedHistory@dal.frb.org)

OPERATING RATIOS OF MEMBER BANKS FOR THE YEARS 1974 AND 1973 — ELEVENTH FEDERAL RESERVE DISTRICT
Under <5,000
1974
1973
Number of banks in group

$5,000-$10,000
1974
1973
125
122

BANKS WITH AVERAGE DEPOSITS (In thousands of dollars)
*50,000*100,000
$25,000-$50,000
$10,000-$25,000
1973
1974
1973
1973
1974
1974
42
90
40
234
234
102

Over $500,000

$100,000-$500,000
1974
1973
41
36

1974
9

1973
9

84

93

10.93
10.96

12.52
12.51

13.11
13.35

14l
62
14.53

14.50
14.60

14.46
14.63

13.53
13.67

13.76
13.93

12.21
12.30

12.58
12.57

11.12
11.04

10.95
10.83

13.08
12.94

11.94
11.73

1
2

22.98

22.27

19.54

19.19

24.60

21.05

27.77

25.54

23.65

27.86

33.89

32.06

28.99

36.47

3

7.83
2.13
1.87
.33
1.74
6.16
1.17
1.17

6.91
1.93
1.59
.25
1.58
5.35
1.21
1.21

7.39
1.69
2.28
.25
1.43
5.66
1.19
1.21

6.74
1.52
2.03
.22
1.27
5.04
1.27
1.26

7.45
1.48
2.73
.23
1.41
5.86
1.19
1.20

6.79
1.40
2.38
.23
1.29
5.30
1.14
1.15

7.44
1.31
3.00
.23
1.46
6.02
1.10
1.11

6.76
1.28
2.52
.23
1.29
5.32
1.09
1.11

7.36
1.21
3.31
.22
1.55
6.31
.87
.87

6.46
1.14
2.56
.22
1.37
5.29
.91
.92

7.34
1.09
3.28
.18
1.83
6.39
.81
.80

6.32
1.08
2.52
.15
1.71
5.46
.79
.78

7.64
.89
2.89
.05
2.59
6.44
.92
.91

6.31
.86
2.14
.03
2.18
5.21
.84
.82

4
5
6
7
8
9
10
11

11.47
6.33
3.38
1.05
69.12
8.65
100.00
4.60

12.70
6.61
3.63
1.19
68.36
7.51
100.00
4.28

11.44
7.32
7.47
.69
65.59
7.49
100.00
4.76
1.86
20.69
2.03
30.00
.19
3.29
2.46
15.34
74.00
1.09
26.00
19.44
- .0 7
- .0 7
19.30

7.42
6.69
9.60
.42
67.62
8.25
100.00
4.81
.93
17.25
2.50
36.91
.47
3.25
3.10
14.88
78.36
1.53
21.64
16.53
- .1 6
.14
16.41

9.00
6.30
9.49
.29
66.57
8.35
100.00
5.27
.78
18.07
2.49
35.32
.31
3.42
2.80
15.34
77.75,
1.37
22.25
17.12
.07
.14
17.33

5.46
4.45
10.30
.55
71.14
8.10
100.00
4.50
.86
15.40
2.31
40.47
.79
3.20
3.55
14.59
80.71
1.37
19.28
15.25
- .0 5
.03
15.24

6.08
5.11
9.67
.37
70.37
8.40
100.00
4.86
.84
16.47
2.41
37.54
.87
3.40
2.61
15.36
78.66
1.31
21.34
16.36
.05
.18
16.59

5.38
6.24
9.59
.54
70.64
7.61
100.00
3.35
1.56
14.07
2.49
45.01
3.18
3.10
3.44
14.20
85.51
1.39
14.48
12.02
-.0 6
.15
12.11

8.32
5.16
10.43
.56
66.93
8.60
100.00
3.68
1.91
15.29
2.43
39.90
2.94
3.43
2.75
15.12
81.86
1.32
18.14
14.41
- .1 2
.15
14.44

5.43
2.02
9.50
.63
74.84
7.58
100.00
1.82
2.07
12.72
2.22
44.71
9.36
2.57
2.35
12.91
86.88
.95
13.11
11.23
-.1 3
.08
11.16

7.36
2.35
8.92
.94
71.86
8.57
100.00
2.01
2.44
14.55
2.52
39.85
8.57
2.46
2.07
14.20
84.22
.86
15.78
12.68
- .1 7
.07
12.58

3.88
.57
7.85
.23
78.90
8.57
100.00
.76
3.13
9.86
1.88
38.09
20.70
.77
2.17
10.83
84.33
.58
15.66
12.14
-.1 1

4.67
.84
8.47
.36
75.14
10.52
100.00
.87
413
11.43
2.18
34.09
20.16
.65
1.70
12.34
82.55
.60
17.45
13.37
- .2 0

—

—

12.03

13.17

12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34

PROFITABILITY
Percentage of Equity C apital Including All Reserves:
1. Income after taxes and before securities gains or losses12. Net in c o m e ________ __ ________________________________

Percentage of Net Income
3.

Cash dividends paid...

SOURCES AND DISPOSITION OF INCOME
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 premisesAll other operating expenses.................... ......
Total operating expense.—
--------Income after taxes and before securities gains or losses1..
Net income __ _______ _________________________________

Percentage of Total O perating Income:
12.
13.
14.
15.
16.
17.
18.
19.
20.
21.
22.
23.
24.
25.
26.
27.
28.
29.
30.
31.
32.
33.
34.

Interest on U.S. Treasury securities..
Interest on securities of U.S. Government agencies and corporations..
Interest on obligations of states and political subdivisions_______ ___
Interest and dividends on all other securities______________________
Interest and fees on loans*_________________________________________
A ll other operating incom eTotal operating income
Service charges on deposit accounts (Included in item 17)*.________________
Trust department income (Included in item 1 7 )’__________________________
Salaries and wages___________________________ __________________________
Officer and employee benefits____________ ________________________________
Interest on d ep osits.
Interest on borrowed money_____________
Net occupancy expense of bank premises..
Provision for loan losses_________________
A ll other operating expenses..
Total operating expense..
Interest on capital notes and debentures (Included in item 27)*_
Income before taxes and securities gains or lo sse s.
Income after income taxes and before securities gains or losses..
Net securities gains ( + ) or losses (—) , after tax effectA ll other additions and subtractions, net, including minority interest, if any„
Net in c o m e --------------------- --- ---------------------------------------------------------------------

25.01
2.21
23.79
.46
3.77
3.29
18.30
77.68
1.61
22.37
15.83
- .0 8
.02
15.61

25.69
2.19
23.00
.10
3.49
2.59
17.98
75.04
1.13
24.96
18.31
- .0 4
.03
18.30

9.68
7.60
7.33
.72
67.61
7.06
100.00
4.06
1.28
20.65
2.10
30.78
.10
3.42
2.85
15.53
75.86
1.56
24.58
17.47
- .1 2
.08
17.43

7.05
4.66
2.97
4.98

6.17
4.40
3.68
4.43

7.07
5.48
4.05
6.70

6.39
4.74
3.95
5.60

6.91
6.04
4.53
6.02

6.31
5.13
4.33
5.18

6.77
6.09
4.51
6.96

6.15
5.61
4.21
5.45

6.50
6.83
4.65
5.78

6.34
5.89
4.40
5.42

6.77
6.55
4.60
5.93

6.18
5.86
4.17
6.32

6.04
5.59
4.44
6.12

5.34
4.90
4.03
5.55

35
36
37
38

13.75
- .0 4

11.15
- .0 6

12.17
- .1 8

10.44
- .2 0

11.17
-.3 1

10.17
- .3 2

10.81
- .3 8

9.60
- .3 2

10.70
- .3 9

9.25
- .3 3

11.45
- .3 3

9.05
- .2 0

12.44
- .2 5

9.79
- .0 8

39
40

11.02
7.04
5.59
.61
55.50
16.27
1.90

13.70
7.10
5.59
.75
52.75
17.85
1.54

9.96
7.80
11.51
.48
52.51
15.50
1.67

11.85
7.86
.50
50.87
15.91
1.43

7.49
6.74
14.93
.54
52.95
14.04
1.81

9.38
7.11
14.20
.46
51.99
14.97
1.74

5.39
4.74
16.72
.41
55.17
13.79
2.03

6.32
5.29
15.17
.52
54.93
14.50
2.06

5.88
6.20
14.85
.48
53.35
15.51
2.23

8.23
5.44
14.85
.47
51.61
15.77
2.23

5.97
2.08
14.89
.61
55.96
16.99
1.78

7.56
2.34
13.50
.70
55.42
16.97
1.92

4.68
.68
13.40
.33
57.35
17.96
2.50

5.29
.86
13.30
.42
56.73
17.96
2,50

41
42
43
44
45
46
47

9.93
20.66
14.48
27.46
27.47

9.92
24.69
14.68
27.60
23.11

12.46
22.61
18.03
25.37
21.53

13.75
21.27
19.36
26.74
18.88

15.87
15.20
22.50
30.36
16.07

15.23
14.44
22.60
31.27
16.46

17.86
11.07
27.58
29.76
13.73

17.14
11.03
29.82
29.84
12.17

18.53
3.99
36.40
27.81
13.27

15.66
3.80
38.63
28.22
13.69

14.96
4.37
36.22
20.98
23.47

16.25
6.00
36.67
20.29
20.79

12.36
1.37
38.06
12.18
36.03

11.61
1.73
38.29
12.96
35.41

48
49
50
51
52

11.73
37.75
5.70
22.98
9.32

11.08
36.23
4.96
19.43
8.86

9.53
44.92
5.72
24.02
9.10

9.00
43.81
5.16
20.55
8.64

8.49
51.50
5.93
19.79
9.22

8.16
50.23
5.26
19.47
8.67

8.54
53.48
6.34
15.54
9.42

8.16
51.61
5.51
17.95
8.62

7.64
54.26
6.92
13.22
9.66

7.74
51.35
5.65
1&45
8.43

7.41
52.13
7.42
11.71
9.69

7.49
49.63
5.98
15.24
8.35

7.55
48.71
7.87
21.71
10.64

7.52
45.61
6.26
17.28
8.62

53
54
55
56
57

—

—

RATES OF RETURN ON SECURITIES AND LOANS
Return on Securities:'
35.
36.
37.
38.

Interest
Interest
Interest
Interest

on U.S. Treasury securitieson securities of U.S. Government agencies and corporations..
on obligations of states and political subdivisions_________
and dividends on all other securities_____________________

Return on Loans:2
39. Interest and fees on loans_______________________________________
40. Net losses (—) or recoveries ( + ) on loans..

DISTRIBUTION OF TOTAL ASSETS
Percentage of Total Assets:
41.
42.
43.
44.
45.
46.
47.

U.S. Treasury securities*..
Securities of other U.S. Government agencies and corporations..
Obligations of states and political subdivisions--------------------------A ll other securities___________________________________________
Gross lo a n s* ---------------------------------------------------------------------------Cash assets ------ ------------- ----- -------------------------------- ------------------Real e s t a t e -------------------------------------------- --------------------------------

11.11

DISTRIBUTION OF LOANS
Percentage of Gross Loans:2
48.
49.
50.
51.
52.

Real estate loans---------Loans to farmers______
Commercial and industrial lo a n s.
Consumer loans to individuals___
A ll other loans1---------------------------

OTHER RATIOS
53.
54.
55.
56.
57.

Total capital accounts and reserves to total assets*.
Time and savings deposits to total deposits..
Interest on time and savings deposits to total time depositsIncome taxes to net income plus income taxes-------------------Interest and fees on loans to other loans..---------------------------

For notes see back page.

NOTES FOR BANKS
Each o f the 1974 ratios represents an average of the ratios of individual banks
computed from data taken from Call Reports o f Condition as of December 31, 1973;
June 30, 1974; and December 31, 1974; and from Consolidated Reports of Income for
the year 1974. Figures used as a basis for the 1973 ratios are averages of amounts
taken from Call Reports of Condition as of December 31, 1972; June 30, 1973; and
December 31, 1973; and from Consolidated Reports of Income for the year 1973.
1 Excludes m inority interest in operating income, if any.
a Loans include Federal funds sold and securities purchased under agreem ents to resell.
3 Banks reporting zero amounts were excluded in computing this average. Figures are
not shown where there were few er than three banks in a group.
* Excludes trading account securities.
“ Includes capital notes and debentures and all valuation reserves.
NOTE: D etails m ay not add to totals because o f rounding.

Prepared by
Research Department
Federal Reserve Bank
o f Dallas

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