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F ederal

reserve

Bank

DALLAS. TEXAS

of

Dallas

75222

Circular No. 79-213
December 27, 1979

OPERATING RATIOS OF COMMERCIAL BANKS
ELEVENTH FEDERAL RESERVE DISTRICT

To all Member Banks
in the Eleventh Federal Reserve District:
There i presented on the inside pages of this letter the annual statement
s
of operating ratios of commercial banks in the Eleventh Federal Reserve
District for 1978.
Enclosed in the statement sent to the chief executive officer of your bank i
s
a separate tabulation giving the 1978 operating ratios for 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 1978— ELEVENTH FEDERAL RESERVE DISTRICT
BANKS WITH AVERAGE DEPOSITS (In thousands of dollars)
$10,000$25,000$50,000$100,000$25,000
$50,000
$100,000
$500,000

Under
$5,000
Number of banks in group

$5,000$10,000

159

283

545

303

149

85

13

8.17
7.16

12.40
12.32

14.82
14.47

14.96
15.70

16.89
16.80

15.94
15.94

15.54
15.36

1
2

30.36

28.47

24.69

28.45

27.11

28.49

38.57

3

7.96
2.15
2.56
.02
.58
1.84
7.18
.76
.75

8.45
1.89
2.96
.03
.56
1.62
7.12
1.08
1.08

8.43
1.67
3.19
.04
.49
1.48
6.90
1.22
1.22

8.32
1.53
3.33
.08
.45
1.38
6.80
1.20
1.20

8.24
1.41
3.44
.11
.44
1.25
6.65
1.22
1.21

8.07
1.24
3.48
.42
.38
1.14
6.68
1.07
1.07

7.94
1.02
2.75
.99
.30
.97
6.75
.90
.89

4
5
6
7
8
9
10
11
12

14.78
3.22
.46
56.69
10.61
14.24
100.00

16.24
5.33
.40
61.11
6.98
9.94
100.00

25.72
33.15
.20
.03
7.11
4.10
18.61
88.92
11.08
10.21
-.12
10.19

22.49
35.18
.32
.09
6.77
4.13
14.55
83.53
16.47
13.53
-.15
13.36

11.53
7.89
.45
62.87
5.63
11.63
100.00
.04
19.82
38.22
.40
.12
5.81
3.87
13.24
81.48
18.52
14.76
-.15
14.71

10.90
7.70
.33
64.85
4.32
11.90
100.00
.12
18.43
40.33
.74
.20
5.45
3.47
13.13
81.75
18.25
14.57
-.10
14.58

9.64
9.24
.47
66.10
3.99
10.56
100.00
.51
17.20
41.92
1.06
.28
5.35
3.11
11.82
80.74
19.26
14.84
-.10
14.77

10.84
9.99
.28
66.04
4.60
8.25
100.00
1.62
15.53
43.43
4.94
.40
4.74
2.58
11.12
82.74
17.26
13.40
-.13
13.37

6.63
7.10
.18
66.04
4.69
15.36
100.00
2.94
12.88
34.71
11.91
.69
3.55
2.72
18.57
85.03
14.97
11.42
-.12
11.30

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

6.90
6.41
7.68

7.24
5.78
9.32

7.32
5.45
11.97

7.26
5.06
7.03

7.17
5.03
7.02

7.18
5.08
6.28

7.15
4.96
6.58

33
34
35

10.03
-.77

10.32
-.66

10.23
-.47

10.21
-.46

10.24
-.31

10.25
-.28

10.26
-.15

36
37

15.26
11.36
6.51
4.61
.51
57.28
2.91
1.56

13.05
10.98
6.77
8.21
.47
57.14
2.30
1.08

11.55
8.92
5.80
12.66
.45
57.35
1.99
1.28

11.18
8.30
5.01
14.58
.37
56.80
2.17
1.59

11.29
7.23
4.79
14.95
.62
57.07
2.18
1.87

12.35
10.10
3.27
13.72
.32
56.56
2.23
1.45

18.69
7.84
.99
11.49
.26
55.72
1.91
3.10

38
39
40
41
42
43
44
45

14.37
14.85
17.89
30.06
17.05
5.78

16.04
15.39
19.96
32.97
11.78
3.86

20.53
10.78
23.45
32.31
9.03
3.90

22.77
8.76
25.80
32.24
6.60
3.83

26.23
3.80
31.36
30.15
6.24
2.22

20.93
3.63
35.37
26.35
7.75
5.97

16.90
.81
43.34
14.30
8.71
15.94

46
47
48
49
50
51

12.65
54.38

9.83
55.68

8.66
58.30

8.15
59.83

7.72
60.27

7.21
61.47

6.59
56.61

5.47
4.05
12.46
9.70

5.90
6.54
12.75
10.28

6.06
6.88
14.41
10.16

6.18
7.05
18.77
10.13

6.32
7.32
17.27
10.14

6.53
7.35
20.09
10.14

6.93
7.70
20.92
9.39

Over
$500,000

PROFITABILITY
Percentage of Equity Capital:

1. Income after taxes and before securities gains or losses'....................................................................
2. Net income...............................................................................................................................................

Percentage of Net Income:

3. Cash dividends paid................................................................................................................................

SOURCES AND DISPOSITION OF INCOME
Percentage of Total Assets:2

4. Total operating income............................................................................................................................
5. Salaries, wages and fringe benefits........................................................................................................
6. Interest on deposits ................................................................................................................................
7. Interest on borrowed money and subordinated notes and debentures................................................
8. Net occupancy expense of bank premises.............................................................................................
9. All other operating expenses..................................................................................................................
10. Total operating expenses........................................................................................................................
11. Income after taxes and before securities gains or losses'....................................................................
12. Net income...............................................................................................................................................

Percentage of Total Operating Income:

13. Interest on U.S. Treasury securities and obligations of other U.S. Government
agencies and corporations......................................................................................................................
14. Interest on obligations of states and political subdivisions..................................................................
15. Interest and dividends on all other securities.......................................................................................
16. Interest and fees on loans........................................................................................................................
17. Income on Federal funds sold and securities purchased to resell........................................................
18. All other operating income......................................................................................................................
19. Total operating income............................................................................................................................
20. Trust Department income (included in item 19)3 ...................................................................................
21. Salaries and employee benefits..............................................................................................................
22. Interest on deposits ................................................................................................................................
23. Interest on borrowed money ..................................................................................................................
24. Interest on subordinated notes and debentures.....................................................................................
25. Net occupancy expense of bank premises.............................................................................................
26. Provision for loan losses..........................................................................................................................
27. All other operating expenses..................................................................................................................
28. Total operating expenses........................................................................................................................
29. Income before income taxes and securities gains or losses'................................................................
30. Income after income taxes and before securities gains or losses'........................................................
31. Net securities gains ( + ) or losses ( - ), after tax effect........................................................................
32. Net income...............................................................................................................................................

—

—

RATE OF RETURN ON SECURITIES AND LOANS
Return on Securities:3
'4

33. Interest on U.S. Treasury securities and obligations of other U.S. Government
agencies and corporations......................................................................................................................
34. Interest on obligations of states and political subdivisions..................................................................
35. Interest and dividends on all other securities.......................................................................................

Return on Loans (excluding unearned income and Federal funds sold):2

36. Interest and fees on loans........................................................................................................................
37. Net losses ( - ) or recoveries ( + ) on loans.............................................................................................

DISTRIBUTION OF TOTAL ASSETS
Percentage of Total Assets:2

38. Cash assets...............................................................................................................................................
39. U.S. Treasury securities4 ........................................................................................................................
40. Securities of other U.S. Government agencies and corporations4........................................................
41. Obligations of states and political subdivisions4 ...................................................................................
42. All other securities4 ................................................................................................................................
43. Net loans including Federal funds sold2.................................................................................................
45. All other assets.........................................................................................................................................

DISTRIBUTION OF LOANS AT DOMESTIC OFFICES
Percentage of Gross Loans:2

46. Real estate loans ....................................................................................................................................
48. Commercial and industrial loans............................................................................................................
49. Consumer loans to individuals2 ..............................................................................................................
50. Federal funds sold with agreements to repurchase...............................................................................

OTHER RATIOS

53. Time and savings deposits to total deposits (domestic offices)2............................................................
54. Interest on time and savings deposits to total time and savings deposits

52
53
54
55

56
57

NOTES FOR BANKS

Each of the 1978 ratios represents an average of the ratios of individual banks computed from
data taken from Call Reports of Condition as of March 31, 1978; June 30, 1978; September 30,1978:
and from Consolidated Reports of Income for the year 1978. For those banks having foreign opera­
tions, 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 Excludes deposits accumulated for payment of personal loans.
3 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.
s Includes subordinated notes and debentures, but excludes valuation reserves and deferred tax
reserves.
* Excludes Federal funds sold, but includes unearned income and valuation reserves.
NOTE: Details may not add to totals because of rounding.
Prepared by
Statistical Department

Federal Reserve Bank
of Dallas

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