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F ederal Reserve Bank of Dallas
DALLAS, TEXAS 7 5 2 2 2

Circular No. 78-95
July 20,1978

OPERATING RATIOS OF COMMERCIAL BANKS
ELEVENTH FEDERAL RESERVE DISTRICT

To all Member Banks
in the Eleventh Federal Reserve D istrict:

There is presented on the inside pages of this letter the annual state­
ment of operating ratios of commercial banks in the Eleventh Federal Re­
serve District for 1977 with comparative ratios for 1976.
Enclosed in the statement sent to the chief executive officer of your
bank is a separate tabulation giving the 1977 and 1976 operating ratios
for your bank.
Additional copies of this report are available upon request.
S in c e r e ly y o u r s ,

Ernest T. Baughman
P r e s id e n t

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 YEARS 1977 AND 1976 — ELEVENTH FEDERAL RESERVE DISTRICT
$5,000-110,000

Under |5,000
1976
1977
Number of banks in group

1977

207

249

282

1976
305

7 .0 6
7 .1 8

5.85
6.24

1 0 .0 8
1 0 .3 0

3 2 .5 0

33.78

7 .3 8
2 .1 2
2.31
.01
.4 0
1 .9 2
6.7 6
.5 4
.5 6

1 2 .0 4
5.03
3 .1 2
.61
5 9 .1 0
8 .4 2
1 1 .6 8
1 0 0 .0 0

BANKS WITH AVERAGE DEPOSITS (In thousands of dollars)
$10,000-125,000
$25,000-150,000
$50,000-$100,000
1977
1976
1977
1976
1977
1976

$100,000-$500,000

Over $500,000

1977

1976

1977

1976

559

530

266

254

128

96

78

68

12

10

9.46
10.21

1 3 .1 0
1 3 .5 5

12.06
12.70

1 4 .0 6
14.51

13.24
13.66

1 4 .7 0
1 5 .0 8

12.37
13.89

1 4 .4 5
1 4 .8 4

12.07
12.09

1 4 .1 4
14.11

13.99
14.05

I
2

2 7 .5 6

26.56

2 6 .0 8

26.94

2 6 .1 3

27.08

3 1 .8 9

27.33

3 0 .0 3

32.36

4 4 .6 0

41.77

3

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

7 .7 4
1.78
2 .7 7
.0 2
.3 5
1.81
6.7 3
.8 6
.89

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

7 .7 5
1.58
3 .0 0
.0 3
.2 9
1 .5 8
6 .4 8
1 .0 4
1 .0 8

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

7 .6 7
1.45
3 .1 0
.0 4
.2 8
1 .4 7
6 .3 4
1.09
1 .1 2

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

7 .5 0
1.34
3 .1 0
.0 8
.2 8
1 .4 0
6 .2 0
1.04
1 .0 7

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

7 .1 6
1 .19
2 .9 8
.2 7
.2 2
1 .2 6
5 .9 2
.9 8

1.00

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

6 .5 2
.9 5
2 .6 0
.7 4
.0 9
1 .0 7
5 .4 5
.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

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 .4 3
5 .6 5
8 .4 4
.41
6 2 .8 0
4 .5 6
9.71
1 0 0 .0 0
.65
2 0 .2 8
39.01
.2 9
.13
3 .7 5
3 .6 7
1 6.2 9
8 3 .4 2
1 6 .5 8
1 3 .7 0
.4 3
1 4.18

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 .6 7
5 .0 4
9 .4 5
.4 0
6 3 .9 7
3 .7 9
9 .6 8
1 0 0 .0 0
.61
1 8 .8 9
4 0 .6 8
.3 7
.21
3 .7 4
3 .4 6
1 5 .63
8 2 .9 8
1 7 .0 2
1 4 .3 2
.3 8
1 4 .7 2

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 .1 5
4 .3 0
9.81
.6 7
64.81
3 .5 8
9 .6 8
1 0 0 .0 0
1 .3 0
1 7 .8 8
4 1 .5 0
.8 5
.3 2
3 .7 4
3 .3 7
1 5 .1 3
8 2 .7 9
17.21
1 3 .9 3
.3 0
1 4 .2 7

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 .9 0
3 .2 0
9 .4 6
.3 8
6 3 .7 2
4 .5 4
8 .8 0
1 0 0 .0 0
2 .0 5
1 6 .5 6
4 1.91
3 .5 5
.3 4
3 .0 7
3 .0 3
1 4 .16
8 2 .6 2
1 7.3 8
1 3.7 6
.01
1 4 .0 7

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 .2 5
.7 7
8 .0 4
.2 5
6 0 .8 2
5 .1 0
1 5 .7 7
1 0 0 .0 0
3 .6 7
1 4.53
4 0 .0 5
1 0 .8 7
.6 8
1.42
2 .7 2
1 3 .3 6
8 3 .6 3
1 6 .3 7
12.81
.01
1 2 .7 9

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

PROFITABILITY
P i r c M t a g t o f E q u ity C a p i t a l :

1. Income after taxes and before securities gains or losses1
..
2. Net Income ______________________________________
f t r e n t t f * o f N e t In c o m e :

3. Cash dividends paid _
S O U R C E S A N D D IS P O S IT IO N O F IN CO M E
P e r c e n t a g e o f T o ta l A s s e t s :

4.
5.
6.
7.
8.
9.
10.
11.
12.

Total operating income
Salaries, wages and fringe benefits
Interest on deposits
Interest on borrowed money and subordinated notes and debentures
Net occupancy expense of bank premises _______________________
All other operating expenses _________________________________
Total operating expenses
Income after taxes and before securities gains or losses1..
Net income ________ ___ ______________ ___________

P e r c e n t a g e o f T o ta l O p e r a t i n g I n c o m e :

13. Interest on U.S. Treasury securities
on securities of U.S. Government agencies and corporations
on obligations of states and political subdivisions_________
and dividends on all other securities_____________________
17. Interest and fees on loans _____ _____ __ _______ ___ __________
18. Income on Federal funds sold and securities purchased to resell ___
19. All other operating income ____________________________________
20. Tota^ operating income ....-__________ __________________________
21. Trust Department income (included in item 19)!...______________
22. Salaries and employee benefits ....... ................ ................. ............ ..........
2. Interest on deposits __ ____ ______ ___ ________________________
3
24. Interest on borrowed money ___ ________ ___ _____________________
2. Interest on subordinated notes and debentures ________________ __
9
2. Net occupancy expense of bank premises __________________ ____ _
6
27. Provision for loan losses ...________ ________________ ___________
28. All other operating expenses __________________________________
29. Total operating expenses
30. Income before income taxes and securities gains or losses1_____
31. Income after income taxes and before securities gains or losses1 .
32. Net securities gains ( + ) or losses (—), after tax effect______
33. Net income _ ___ ___ ____ _____ ______________ ____ _____
_

1. Interest
4
1. Interest
5
1. Interest
6

3 0 .8 6
31.31
.11
.03
6 .2 3
4 .4 8
1 9 .3 6
9 2 .3 8
7 .6 2
8 .3 8
.2 6
8 .4 0

30.24
33.37
.33
.04
6.64
4.33
18.32
93.27
6.73
4.86
.71
5.65

9 .4 9
6 .4 7
6 .3 2
.3 8
6 1 .9 7
5 .4 5
9 .9 2
1 0 0 .0 0
1.23
2 3 .1 5
3 5 .9 2
.25
.0 8
4 .5 3
5 .0 4
1 8 .2 0
8 7 .1 7
1 2 .8 3
1 1 .2 6
.4 7
1 1 .3 6

6 .5 4
6 .9 0
5 .2 2
6 .9 6

6.55
6.91
5.29
6.89

6.81
7 .1 9
5.1 6
6 .8 3

6.85
7.28
5.34
7.17

6 .8 4
7 .3 8
5 .0 2
6 .6 2

6.78
7.38
5.12
6.61

6 .8 5
7 .2 8
4 .9 2
6 .0 7

6.86
7.53
5.01
6.51

6 .6 7
7 .1 9
4 .8 6
6 .1 8

6.60
7.12
5.06
6.49

6 .6 8
7.21
4 .9 0
6 .3 6

6.64
6.91
4.84
6.23

6 .4 5
7.11
4.71
6 .2 5

6.34
7.11
4.83
6.57

34
35
36
37

9 .5 8
- .4 2

9.09
-.4 9

9.71
-.5 5

9.68
-.5 7

9 .6 4
-.4 2

9.64
-.4 9

9 .6 5
-.3 8

9.62
-.6 0

9 .5 0
- .3 7

9.46
-.5 5

9 .1 6
- .3 5

9.12
-.5 1

8 .4 3
-.1 9

9.27
-.5 3

38
39

15.81
12.91
5.51
4 .6 4
.7 5
5 6 .5 8
2 .9 4
.8 6

15.95
13.21
5.75
5.25
.77
54.86
2.97
1.24

13.41
10 .5 3
6 .7 0
9 .1 0
.5 0
56.41
2 .3 2
1.03

14.11
10.87
7.16
9.77
.51
54.29
2.24
1.05

1 2.1 5
9 .4 0
5 .8 4
12.81
.54
5 6 .0 3
2 .0 2
1.21

12.77
9.47
6.30
14.04
.57
53.60
2.05
1.20

1 1 .7 2
8 .6 7
5 .2 4
1 4 .6 0
.4 8
5 5 .3 6
2 .2 7
1.6 6

12.49
8.15
5.05
16.12
.46
53.67
2.30
1.76

12.21
7 .9 7
4 .4 5
15.13
.7 4
5 5 .4 6
2.41
1.63

12.91
8.53
5.05
15.29
.70
53.17
2.64
1.71

1 2.7 4
1 0.4 3
3 .0 5
1 3 .9 0
.3 8
5 5 .5 6
2 .2 8
1 .6 6

13.83
9.48
3.98
14.24
.43
53.99
2.31
1.74

20.11
9 .1 5
.73
1 1 .2 2
.25
5 3 .9 0
2.01
2 .6 3

20.60
9.69
.64
10.71
.25
53.08
2.27
2.76

40
41
42
43
44
45
46
47

1 3 .2 8
17.01
1 8 .8 7
3 0 .4 3
1 6 .7 6
3 .6 5

13.16
17.13
20.04
28.61
17.01
4.05

1 5 .8 0
1 6 .8 6
2 0 .3 9
3 1 .8 8
1 1 .9 8
3 .0 9

15.51
16.57
21.59
31.02
11.93
3.38

1 9 .0 6
1 2 .5 2
2 4 .0 5
31.81
9 .5 3
3 .0 3

17.97
13.32
24.19
30.83
10.46
3.23

2 1 .1 4
8 .6 0
2 6 .5 2
3 1 .8 7
8 .0 8
3 .7 9

19.87
8.20
28.50
30.79
8.44
4.20

2 2 .9 0
4 .3 0
3 2 .2 0
29.11
7.2 4
4 .2 5

21.92
3.59
35.04
27.95
7.47
4.03

1 8 .8 0
3 .6 8
3 6 .6 8
2 5 .1 7
9 .6 5
6 .0 2

16.29
4.00
37.02
23.11
12.17
7.41

1 3 .2 7
1 .0 2
4 2 .5 4
1 3 .5 4
12 .6 5
1 6 .9 8

12.80
1.09
42.00
12.76
13.34
18.01

48
49
50
51
52
53

1 3 .2 0
5 1 .7 2

13.22
49.18

9.8 3
55.61

9.45
54.26

8 .4 4
5 7 .8 6

8.42
56.70

7 .9 9
59.41

8.01
58.12

7 .6 5
S 9 .6 6

7.64
59.04

7 .1 4
5 9 .6 8

7.10
58.45

6 .6 2
5 2 .6 0

6.61
51.42

55

5 .3 5
6 .0 6
1 1 .5 7
9 .5 7

5.05
6.27
11.28
9.08

5 .5 8
6 .5 8
1 2 .2 5
9.6 9

5.58
6.48
13.25
9.72

5 .7 2
6 .3 7
1 3 .5 7
9 .6 0

5.73
6.39
13.98
9.63

5 .7 6
6 .4 2
1 6 .7 4
9 .6 0

5.81
6.35
14.30
9.60

5 .7 5
6.21
1 7 .2 4
9.41

5.86
6.69
14.12
9.40

5 .6 9
6 .0 6
1 9 .2 5
9 .0 4

5.85
6.34
14.44
9.05

5.61
5.SB
1 9 .3 4
8 .2 7

5.77
6.02
22.17

—

—

RATE O F RETURN O N SEC U RITIES A N D L O A N S
R e tu r n o n S e c u r i t i e s : 3

34.
35.
36.
37.

Interest
Interest
Interest
Interest

on U.S. Treasury securities*— ____________ __ __ __ _____ __
.
on securities of U.S. Government agencies and corporations8
..
on obligations of states and political subdivisions2
_________
and dividends on all other securities2
_____________ __ _____

R e tu r n on L o a n s ( e x c lu d in g u n e a r n e d in c o m e a rid F e d e r a l f u n d s s o l d ) :

38. Interest and fees on lo a n s___ _ ____ _____ __ ____ ______ ________
_
39. Net losses (—) or recoveries ( + ) on loans ___ ___ ____ ____ ____ __
D ISTRIBU TION O F T O TA L A SSET S
P e r c e n t a g e o f T o ta l A s s e ts :

40.
41.
42.
43.
44.
45.
46.
47.

Cash assets ______________
U.S. Treasury securities’.
Securities of other U.S. Government agencies and corporations
Obligations of states and political subdivisions__________ ____
All other securities ____ ____ ___ _________________________
Net loans including Federal funds sold ___________________
Real estate ____ __ ________ __ ____________________________
All other assets —
_________ _________________ __ _______ __ _

DISTRIBU TIO N O F L O A N S A T D O M E S T IC O F F IC E S
P e r c e n t a g e o f G r o s s L o a n s:

48.
49.
50.
51.
52.
53.

Real estate loans _________________________
Loans to farmers
Commercial and industrial loans
Consumer loans to individuals .
Federal funds sold with agreements to repurchase
All other lo a n s ______________________________

O T H E R RA TIO S

54. Total capital accounts to total assets*..
55. Time and savings deposits to total deposits (domestic offices)
56. Interest on time and savings deposits to total time and savings deposits
(domestic offices)
57. Interest on large CD’s to large CD’s (domestic offices) *_
58. Income taxes to net income plus income ta x e s________
59. Interest and fees on loans to total lo a n s_____________

8.38

54

56
57
58
59

N O T E S F O R BANKS

Each of the 1977 ratios represents an average of the ratios of individual banks
computed from data taken from Call Reports of Condition as of March 1, 1977; June
30, 1977; September 30, 1977; and December 31, 1977; and from Consolidated Reports
of Income for the year 1977. Each of the 1976 ratios represents an average of the
ratios of individual banks computed from data taken from Call Reports of Condition
as of March 31, 1976; June 30, 1976; September 30, 1976; and December 31, 1976; and
from Consolidated Reports of Income for 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 minority interest in operating income, if any.
2 Banks reporting zero amounts were excluded in computing this average. Figures
are not shown where there were fewer than three banks in a group.
3Excludes trading account securities.
4 Includes capital notes and debentures.
NOTE: Details may not add to totals because of rounding.

Prepared by
S a i t c lDepartment
ttsia
Federal Reserve Bank
ofD ll
a as

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