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F ederal

reserve

Ba n k

of

Dallas

DALLAS, TEXAS 75222

Circular N o. 76-66
M ay 7, 1976

O PERATING RATIOS OF M EM BER B A N K S
E L E V E N T H F E D E R A L R E SE R V E DISTRICT

To AH Member B anks
in th e E leventh Federal R eserve D is tr ic t:

T he annual statem en t o f operating ratios o f m em ber banks in th e
E leventh Federal R eserve D istrict is shown in th e inside p ages o f th is
release reflecting th e 1975 data compared to th a t o f 1974. A separate
tabulation g iv in g th e relevant ratios fo r your bank has been enclosed
in th e sta tem en t sen t to th e ch ief execu tive officer o f your bank.
Additional copies o f th is report are available upon request.
Sincerely yours,
E rn est T. Baughm an
President

E nclosure

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 1975 AND 1974 — ELEVENTH FEDERAL RESERVE DISTRICT
Under $5,000
1975
1974
81
84

Number of banks in group

$5,000-110,000
1974
1975
127
125

BANKS WITH AVERAGE DEPOSITS (In thousands of dollars)
$10,000-$25,000
$25,000-150,000
$50,0004100,000
1974
1974
1974
1975
1975
1975
102
39
40
243
234
111

$100,000-$500,000
1974
1975
47
41

1975
9

Over $500,000
1974
9

PROFITABILITY
f c r e t i l a f * of Equity Capital Including All Reserves:
6.2S
6.50

11.27
11.64

13.11
13.35

12.28
12.83

14.50
14.60

12.01
12.62

13.53
13.67

11.51
12.40

12.21
12.30

11.12
11.14

11.12
11.04

12.80
12.75

13.08
12.94

1
2

22.98

21.30

19.54

25.60

24.60

25.41

27.77

27.48

23.65

32.19

33.89

41.75

28.99

3

7.51
2.32
1.98
.40
2.05
6.75
.56
.58

7.83
2.13
1.87
.33
1.74
6.16
1.17
1.17

7.12
1.72
2.42
.27
1.43
5.84
1.02
1.05

7.39
1.69
2.28
.25
1.43
5.66
1.19
1.21

7.25
1.49
2.86
.25
1.38
5.98
1.04
1.09

7.45
1.48
2.73
.23
1.41
5.86
1.19
1.20

7.18
1.34
2.99
.26
1.48
6.07
.97
1.02

7.44
1.31
3.00
.23
1.46
6.02
1.10
1.11

7.14
1.30
3.11
.23
1.33
5.97
.77
.82

7.36
1.21
3.31
.22
1.55
6.31
.87
.87

6.68
1.10
2.95
.20
1.62
5.87
.81
.81

7.34
1.09
3.28
.18
1.83
6.39
.81
.80

6.65
.93
1 50
.08
1.99
5.50
.92
.92

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

4
5
6
7
8
9
10
11

10.97
4.92
3.42
.82
68.81
11.06
100.00
5.82

11.47
6.33
3.38
1.05
69.12
8.65
100.00
4.60

9.91
7.42
8.23
.58
66.21
7.65
100.00
4.60

26.91
2.40
27.90
.31
5.06
3.41
21.54
87.53
1.45
12.47
8.73
.00
-.0 6
8.67

25.01
2.21
23.79
.46
3.77
3.29
18.30
77.68
1.61
22.37
15.83
-.08
.02
15.61

22.03
2.10
35.03
.15
3.92
2.41
15.63
81.27
.88
18.73
14.93
.22
.24
15.39

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
-.12
.08
17.43

7.91
6.85
10.76
.69
65.39
8.40
100.00
4.82
.76
17.95
2.57
39.63
.18
3.36
2.76
15.66
82.11
1.56
17.89
14.95
.19
.25
15.39

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
-.16
.14
16.41

6.12
4.86
11.36
.73
67.89
9.04
100.00
5.07
.70
16.15
2.42
41.81
.32
3.58
3.36
15.91
83.55
1.32
16.45
14.06
.19
.20
14.45

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
-.05
.03
15.24

5.57
5.59
9.81
1.51
67.71
9.81
100.00
3.66
1.62
15.63
2.58
43.55
1.56
3.35
3.69
16.09
86.45
1.27
13.55
11.37
.08
.15
11.60

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
-.06
.15
12.11

7.09
2.96
11.02
.45
69.83
8.65
100.00
2.04
2.15
13.99
2.44
44.17
4.98
2.98
3.87
13.97
86.40
1.07
13.60
12.19
.00
.03
12.22

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
-.13
.08
11.16

6.87
.57
9.48
.44
71.48
11.16
100.00
.87
3.84
11.74
2.27
37.76
12.34
1.17
4.12
13.13
82.53
.63
17.47
14.06
-.0 4
.00
14.02

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
-.11
12.03

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

7.23
7.04
5.24
7.19

7.05
4.66
2.97
4.98

6.91
7.85
5.26
8.04

7.07
5.48
4.05
6.70

6.74
7.30
4.99
6.48

6.91
6.04
4.53
6.02

6.99
7.07
4.75
6.96

6.77
6.09
4.51
6.96

6.71
7.31
4.72
7.34

6.50
6.83
4.65
5.78

6.71
6.87
4.77
6.76

6.77
6.55
4.60
5.93

6.60
6.80
4.70
4.83

6.04
5.59
4.44
6.12

35
36
37
38

11.60
-.1 2

13.75
-.04

11.13
-.1 7

12.17
-.18

10.68
-.2 7

11.17
-.31

10.33
-.3 8

10.81
-.38

9.99
-.4 0

10.70
-.39

9.91
-.41

11.45
-.33

10.16
-.3 8

12.44
-.25

39
40

11.65
5.21
4.61
.82
56.07
16.12
2.71

11.02
7.04
5.59
.61
55.50
16.27
1.90

9.60
7.45
11.11
.42
52.38
16.09
1.90

9.96
7.80
11.51
.48
52.51
15.50
1.67

8.12
6.99
15.40
.55
51.68
14.17
1.92

7.49
6.74
14.93
.54
52.95
14.04
1.81

6.19
4.91
17.09
.49
53.51
14.26
2.11

5.39
4.74
16.72
.41
55.17
13.79
2.03

5.80
5.32
14.63
.87
52.42
15.64
2.65

5.88
6.20
14.85
.48
53.35
15.51
2.23

6.93
2.77
15.16
.44
54.07
16.95
1.95

5.97
2.08
14.89
.61
55.96
16.99
1.78

6.74
.62
13.38
.28
55.96
17.25
2.45

4.68
.68
13.40
.33
57.35
17.96
2.50

41
42
43
44
45
46
47

9.51
20.53
21.74
27.66
20.56

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

10.93
10.96

19.53

1. Income after taxes and before securities gains or losses1

9.93
20.66
14.48
27.46
27.47

12.34
25.60
19.48
25.07
17.51

12.46
22.61
18.03
25.37
21.53

16.40
16.55
22.49
30.13
14.43

15.87
15.20
22.50
30.36
16.07

18.06
10.49
28.33
29.07
14.05

17.86
11.07
27.58
29.76
13.73

19.14
4.68
34.25
29.81
12.12

18.53
3.99
36.40
27.81
13.27

14.40
4.60
38.22
20.68
22.10

14.96
4.37
36.22
20.98
23.47

11.45
1.21
39.99
12.35
35.00

12.36
1.37
38.06
12.18
36.03

48
49
50
51
52

14.10
43.24
6.09
15.59
9.81

1173
37.75
5.70
22.98
9.32

9.86
48.57
5.90
15.38
9.52

9.53
44.92
5.72
24.02
9.10

8.71
53.81
5.94
13.95
9.52

8.49
51.50
5.93
19.79
9.22

8.71
55.23
6.09
11.85
9.35

8.54
53.48
6.34
15.54
9.42

7.73
56.27
6.25
13.15
9.41

7.64
54.26
6.92
13.22
9.66

7.52
53.47
6.44
11.08
8.78

7.41
52.13
7.42
11.71
9.69

7.67
49.34
6.64
19.39
8.99

7.55
48.71
7.87
21.71
10.64

53
54
55
56
57

P ercentage of Net Income:

SOURCES AND DISPOSITION OF INCOME
P ercentage of Total Assets:

P ercentage of Total O perating Income:

17. All other operating income....................................................

24. Interest on borrowed money ...........- ........
25. Net occupancy expense of bank premises .

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

.....

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

33. All other additions and subtractions, net, including minority interest, if any

_.....—

RATES OF RETURN ON SECURITIES AND LOANS
Return on Securities:'

Return on Loans:**

DISTRIBUTION OF TOTAL ASSETS
P ercentage of Total Assets:
4 2 . .Securities n f o th e r U .S . G o ve rn m e n t agencies and corp o ra tio n s

DISTRIBUTION OF LOANS
P ercentage of Gross Loans:’

52.

AH

o th e r

lo an s1

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

OTHER RATIOS
51

T im e an d savings deposits to to ta l d e p o s it*

55. Interest on time and savings deposits to total time deposits.
56. In c o m e ta xe s to n e t in co m e p lu s in eo m e taxes
57. In te re s t a nd fees on lo an s to o th e r lnnn«

For notes see back page.

.

........

—

NOTES FOR BANKS
Each of the 1975 ratios represents an average of the ratios of individual banks
computed from data taken from Call Reports of Condition as of December 31, 1974;
June 30, 1975; and December 31, 1975; and from Consolidated Reports of Income for
the year 1975. Figures used as a basis for the 1974 ratios are averages of amounts
taken from Call Reports of Condition as of December 31, 1973; June 30, 1974; and
December 31, 1974; and from Consolidated Reports of Income for the year 1974.
1 Excludes minority interest in operating income, if any.
* Loans include Federal funds sold and securities purchased under agreements to resell.
* Banks reporting zero amounts were excluded in computing this average. Figures are
not shown where there were fewer than three banks in a group.
4 Excludes trading account securities.
"Includes capital notes and debentures and all valuation reserves.
NOTE: Details may not add to totals because of rounding.

Prepared by
Research Department
Federal Reserve Bank
of Dallas

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