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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