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F e d e r a l R e s e r v e Ba n k o f D a l l a s

DALLAS, TEXAS 75222

Circular No. 77-78
July 14,1977

OPERATING RATIOS OF COMMERCIAL BANKS
ELEVENTH FEDERAL RESERVE DISTRICT

To All Member Banks
in the Eleventh Federal Reserve District:
The annual statem ent of operating ratios of commercial banks in the
Eleventh Federal Reserve District for 1976 is shown in the inside pages of
this release. The statem ent has been modified to reflect the changes in the
Reports of Condition and Income introduced in March 1976. In addition,
these ratios were computed from the reports consolidating foreign and
domestic operations, for those banks having foreign operations. As a result
of these substantive changes, we were unable to calculate fu lly comparable
statistics for 1975. So, we are not including comparative ratios for the
previous year, as has been our custom in the past. 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 COMMERCIAL BANKS FOR THE YEAR 1976 — ELEVENTH FEDERAL RESERVE DISTRICT
BANKS W ITH AVERAGE D E PO SIT S (In thousands of dollars)
U nder $5,000

$5,000-110,000

$10,000-125,000

$25,000-150,000

$50,000-$100,000

$100,000-3500,000

O ver $500,000

1976

1976

1976

1976

1976

1976

1976

68

10

249

N um ber of banks in group

305

530

254

96

5.85
6.24

9.46
10.21

12.06
12.70

13.24
13.66

12.37
13.89

12.07
12.09

13.99
14.05

1
2

33.78

26.56

26.94

27.08

27.33

32.36

41.77

3

7.36
2.06
2.24
.02
.41
1.94
6.67
.54
.63

7.66
1.77
2.76
.02
.35
1.77
6.67
.86
.93

7.57
1.55
2.95
.03
.29
1.59
6.41
.97
1.03

7.54
1.44
3.05
.05
.29
1.57
6.40
.99
1.04

7.33
1.34
3.12
.08
.29
1.44
6.27
.89
.95

6.95
1.16
3.00
25
.22
1.33
5.96
.83
.83

6.42
.89
2.65
.65
.08
1.04
5.31
.84
.84

4
5
6
7
8
9
10
11
12

12.69
5.39
3.77
.52
57.79
7.10
12.74
100.00
30.24
33.37
.33
.04
6.64
4.33
18.32
93.27
6.73
4.86
.71
5.65

10.26
6.72
6.93
.39
60.60
4.84
10.26
100.00
1.45
23.21
36.71
.22
.08
4.56
4.62
17.03
86.43
13.57
10.90
.82
11.77

8.69
6.18
9.63
.43
61.06
4.32
9.69
100.00
.47
20.45
39.44
.23
.14
3.92
3.83
16.59
84.60
15.40
13.03
.63
13.54

7.30
4.97
10.70
.43
62.86
3.49
10.25
100.00
.67
19.03
40.78
.48
.25
3.89
4.51
15.98
84.92
15.08
12.78
.60
13.45

7.97
4.90
10.32
.66
63.39
3.05
9.71
100.00
1.43
18.24
42.71
.81
.38
3.95
4.14
15.26
85.49
14.51
12.19
.53
12.94

9.23
4.21
9.99
.25
62.05
4.94
9.33
100.00
2.21
16.74
43.36
3.45
.30
3.22
3.95
14.75
85.77
14.23
11.94
- .0 1
11.97

9.81
.72
7.96
.28
61.01
5.31
14.91
100.00
3.44
13.74
41.39
9.72
.54
1.30
3.53
12.48
82.70
17.30
13.07
.07
13.14

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

6.55
6.91
5.29
6.89

6.85
7.28
5.34
7.17

6.78
7.38
5.12
6.61

6.86
7.53
5.01
6.51

6.60
7.12
5.06
6.49

6.64
6.91
4.84
6.23

6.34
7.11
4.83
6.57

34
35
36
37

9.09
- .4 9

9.68
- .5 7

9.64
- .4 9

9.62
- .6 0

9.46
- .5 5

9.12
- .5 1

9.27
- .5 3

38
39

15.95
13.21
5.75
5.25
.77
54.86
2.97
1.24

14.11
10.87
7.16
9.77
.51
54.29
2.24
1.05

12.77
9.47
6.30
14.04
.57
53.60
2.05
1.20

12.49
8.15
5.05
16.12
.46
53.67
2.30
1.76

12.91
8.53
5.05
15.29
.70
53.17
2.64
1.71

13.83
9.48
3.98
14.24
.43
53.99
2.31
1.74

20.60
9.69
.64
10.71
.25
53.08
2.27
2.76

40
41
42
43
44
45
46
47

13.16
17.13
20.04
28.61
17.01
4.05

15.51
16.57
21.59
31.02
11.93
3.38

17.97
13.32
24.19
30.83
10.46
3.23

19.87
8.20
28.50
30.79
8.44
4.20

21.92
3.59
35.04
27.95
7.47
4.03

1629
4.00
37.02
23.11
12.17
7.41

12.80
1.09
42.00
12.76
13.34
18.01

48
49
50
51
52
53

13.22
49.18

9.45
54.26

8.42
56.70

8.01
58.12

7.64
59.04

7.10
58.45

6.61
51.42

54
55

5.05
6.27
11.28
9.08

5.58
6.48
13.25
9.72

5.73
6.39
13.98
9.63

5.81
6.35
14.30
9.60

5.86
6.69
14.12
9.40

5.85
6.34
14.44
9.05

5.77
6.02
22.17
8.38

56
57
58
. ®

PROFITABILITY
P e rce n ta g e of Equity C a p ital:
1. Incom e after taxes and before securities gains o r losses1______________ _____ ___ _____
2. N et Incom e ------------- ------------------- ---- ----.------ ------ ------------- ------ ------------ ........................

P e rc e n ta g e of N et Income:
3. Cash dividends p aid ------------ ------------------ ---------------------------------------------- -------------------

SOURCES AND DISPOSITION OF INCOME
P e rc e n ta g e of Total A ssets:
5. Salaries, wages and fringe benefits ..... .................................

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

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

7. In terest on borrow ed m oney and subordinated notes and debentures ------- -----------------ft. N et neenpancy expense of bank prem ises
9. A ll o ther operating expenses . . . .. . .............................. .................................................................
12. N et income

--- ----------------------- -----—......... ........ ........ —- ........... -—..... -— ...............................-

P e rc en ta g e of Total O p era tin g Income:
13.
14.
15.
16.

In terest
In terest
In terest
In terest

on U.S. T reasury securities _____________________________________.___________
on securities of U.S. Governm ent agencies and corporations .........—------------------on obligations of states an d political subdivisions --- ------------------------------------and dividends on a ll o th er securities ................................................................ ............ .

18. Incom e on F ed eral funds sold and securities purchased to r e s e ll---------- ---- ---------------19. A ll o ther operating in c o m e _________________ ___________ _______ - — -------------------21. T ru st D epartm ent incom e (included in item 1 9 )2 _______________ ___ .. ------------------22. Salaries and employee benefits -------- ---------------------------------------- -----------------------------23. In terest on deposits --------------- ---------- -------------------------------------------- ---- --------------------25. In terest on subordinated notes and debentures ------------------------ .— ---------- ------ - —
26. N et occupancy expense of bank p re m ise s--- --------------------------------- —.......................... ......
28. A ll o ther operating expenses ...................................................................... -............. —............. ...........

33. N et

incom e

_______________________________________________________________________

RATE OF RETURN ON SECURITIES AND LOANS
Return on S ecurities:8
35. In terest on securities of U.S. Governm ent agencies and corporations2 ....................................
36. In terest on obligations of states and political subdivisions* —------------------------------------- 37. In terest and dividends on all o ther securities2 ................ — .........................................................

Return on Loans (excluding unearned Income and Federal funds so ld ):
39. N et losses (—) or recoveries ( + ) on loans -------------------------- ----- ------ — ....................—.

DISTRIBUTION OF TOTAL ASSETS
P e rc e n ta g e of Tefal A ssets:

42. S ecurities of o ther U.S. Governm ent agencies and corporations _____

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

47. A ll other assets ----------------------------- -------—~------------ -------- -----------------------------------

-

DISTRIBUTION OF LOANS AT DOMESTIC OFFICES
P e rc en ta g e of G ross Loans:
48. R eal estate loans _ _ ----------------- ----- ------------------------- ----- - ------------- --------------------------

53. A ll o th er loans ......................................................................................................................... ..................

OTHER RATIOS
55. T im e an d savings deposits to to ta l deposits (dom estic offices)
56. In terest on tim e an d savings deposits to to tal tim e and savings deposits

59. In tere st an d fees on loans to to tal lo a n s _____________________________________________

|1

NOTES FOR BANKS
Each of the 1976 ratios represents an average of the ratios of individual banks
computed from d ata taken from Call Reports of Condition as of M arch 31, 1976; June
30, 1976; September 30, 1976; and December 31, 1976; and from Consolidated Reports
of Income fo r the year 1976. For those banks having foreign operations, the reports
consolidating foreign and domestic subsidiaries were used in the calculation of these
ratios. In all other cases, the reports consolidating domestic subsidiaries only were used
in the computations.
1 Excludes m inority interest in operating income, if any.
2 Banks reporting zero am ounts were excluded in computing th is average. Figures are
not shown where there were few er than three banks in a group.
* Excludes trad in g account securities.
* Includes capital notes and debentures.
N O TE; D etails may not add to totals because of rounding.

Prepared by
Research D epartm ent
Federal Reserve Bank
of Dallas

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