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F ederal reserve bank of Dallas

DALLAS, TEXAS

75222

Circular No. 68-84
April 5, 1968

OPERATING RATIOS OF MEMBER BANKS
ELEVENTH FEDERAL RESERVE DISTRICT

To All Member Banks
in the Eleventh Federal Reserve District:
There is presented on the inside pages of this letter the annual
statem ent of operating ratios of member banks in the Eleventh Federal
Reserve District for 1967, with comparative ratios for 1966. Ratios for
your bank are included for your convenience in making comparisons.
If you should like to have additional copies of this report, we will be
glad to send them to you.
Yours very truly,
P. E. Coldwell
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 1967 and 19661— ELEVENTH FEDERAL RESERVE DISTRICT

Number of banks in group

Under $1,000
1967
1966
19
23

SUMMARY RATIOS
Percentage of Total C apital Accounts:
1. Net current earnings............................................................ 10.0
2. Net income before related taxes.........................................
8.4
3. Net income after taxes.......................................................
6.9
4. Cash dividends declared.....................................................
2.6
Percentage of Total Assets:
5. Total operating revenue.....................................................
5.31
6. Net current earnings...........................................................
1.33
7. Net income after taxes.......................................................
.95
SOURCES AND DISPOSITION OF EARNINGS
Percentage of Total O perating Revenue:
8. Interest and dividends on:
a. U.S. Government securities............................................
b. Other securities .............................................................
9. Revenue on loans...............................................................
10. All other revenue.................................................................
11.
Total operating revenue..........................................
12. Service charges on deposit accounts ( Included in item 1 0 ) 2
13. Trust department revenue (Included in item. 1 0 ) 2.............
14. Salaries and wages.............................................................
15. Pension, hospitalization, social security taxes, etc.............
16. Interest on time and savings deposits................................
17. Net occupancy expense of bank premises..........................
18. All other expenses.............................................................
19.
Total operating expenses..........................................
20. Net current earnings...........................................................
21. Net recoveries (losses— ) 3..................................................
22. Net decrease (increase — ) in valuation reserves..............
23. Taxes on net income............................................................
24. Net income after taxes.......................................................
RATES OF EARNINGS ON SECURITIES AND LOANS
Percentage of Securities:
25. Interest and dividends on U.S. Government securities......
26. Interest and dividends on other securities..........................
27. Net recoveries and profits (losses— ) on securities3......
Percentage of Total Loans (N et):
28. Revenue on loans.................................................................
29. Net recoveries (losses— ) on loans3..................................

5.20
1.27
.85

$2,00045,000
1967
1966
185
207

\NKS WITH AVERAGE DEPOSITS (In thousands of dollars)
$5,00010,000 $10,000-825,000 $25,000-150,000 $50,000-$100,000 $100,000-$200,000j $200,000-1500,000
1967 1966
1967
1966
1967
1966
1967
1966
1967
1967
1966
1966
183
167
128
118
38
39
24
23
17
4
18
4

Over $500,000
1967
1966
6
6

10.3
8.1
6.3
2.5

12.8
9.1
7.3
2.6

15.3
11.6
9.1
3.7

15.4
13.0
8.8
5.5

9.6
7.6
6.2
2.3

5.46
1.20
.73

5.39
1.09
.89

5.82
1.31
.76

12.9
8.9
7.4
2.6
5.64
1.31
.74

16.5
5.6
70.1
7.8
100.0

18.9
5.1
68.7
7.3
100.0

20.2
5.7
66.5
7.6
100.0

19.8
5.9
65.2
9.1
100.0

18.3
8.0
63.3
10.4
100.0

17.3
7.2
64.7
10.8
100.0

5.8

5.0

5.0

6.4

7.8

8.0

40.0
2.6
10.4
5.8
16.8
75.6
24.4
-1 .7
- .8
4.1
17.8

37.6
2.0
10.4
6.4
19.2
75.6
24.4
—
4.6
- .3
4.1
15.4

34.2
1.9
16.6
5.7
19.1
77.5
22.5
-3 .0
-1 .2
4.1
14.2

34.7
1.8
15.3
5.8
20.0
77.6
22.4
-5 .3
—

3.4
13.7

29.3
2.1
20.7
5.8
18.2
76.1
23.9
-5 .6
- .5
3.6
14.2

29.6
2.0
19.0
6.1
18.6
75.3
24.7
-5.3
-1 .2
3.0
15.2

5.46
1.29
.75

16.0
12.1
9.7
3.7
5.30
1.32
.80

16.3 17.5
11.1
9.2
63.3 64.1
9.3
9.2
100.0 100.0

17.2
12.9
10.1
3.6
5.71
1.33
.77

18.1
12.9
10.2
3.6
5.39
1.34
.77

16.8
13.0
10.1
3.9
5.38
1.17
.71

13.5
10.4
65.5
10.6
100.0

13.5
10.2
65.4
10.9
100.0

11.8
11.1
66.1
11.0
100.0

6.7
2

6.7
.2

7.8
.3

7.6
.4

5.5
1.8

25.9
2.3
26.4
5.3
15.9
75.8
24.2
-3 .8
-1 .7
4.3
14.4

26.6
2.3
24.2
5.2
16.1
74.4
25.6
—
4.6
-1 .2
4.2
15.6

23.3
2.4
30.1
4.9
16.3
77.0
23.0
-4 .5
-1 .3
3.9
13.3

23.8
2.2
27.4
5.2
16.4
75.0
25.0
-5 .4
-1 .4
3.6
14.6

21.4
2.7
33.0
5.0
15.9
78.0
22.0
-2 .6
-2.1
3.9
13.4

16.9
13.2
9.9
3.9
4.99
1.20
.70

15.7
11.7
8.2
3.5
5.15
1.18
.62

16.9
12.4
8.2
3.6
4.87
1.24
.61

17.8
14.4
10.1
4.2
4.87
1.33
.74

16.4
12.1
8.0
4.3
4.67
1.26
.61

16.5
13.6
9.0
3.8
4.62
1.11
.61

15.2
11.6
7.8
3.4
4.31
1.01
.52

14.1
12.2
8.4
5.2

4.31
1.40
.81

4.11
1.27
.76

9.3
8.9
73.2
8.6
100.0

13.2
8.8
68.5
9.5
100.0

13.7
7.5
68.7
10.1
100.0

12.6
8.8
69.6
9.0
100.0

14.2
8.6
67.9
9.3
100.0

16.4
9.1
64.9
9.6
100.0

16.8
8.2
65.7
9.3
100.0

8.7
9.7
72.4
9.2
100.0

1.8

4.2
2.2

4.6
2.5

3.6
2.9

4.0
2.9

2.4
5.3

2.4
5.3

1.2
4.4

1.1
4.3

22.8
2.7
28.7
5.8
15.8
75.8
24.2
-4 .0
-1 .4
4.6
14.2

20.3
3.0
32.0
4.4
17.1
76.8
23.2
-3 .8
-1 .6
5.5
12.3

21.1
3.0
29.5
4.4
16.7
74.7
25.3
-5 .8
- .7
6.3
12.5

19.7
2.7
31.4
3.9
14.8
72.5
27.5
-2 .6
-2 .6
7.0
15.3

20.4
2.9
29.8
4.5
15.4
73.0
27.0
-6 .4
- .8
6.6
13.2

18.1
2.3
36.9
2.2
16.4
75.9
24.1
-1 .9
-2 .6
6.4
13.2

18.7
2.4
36.4
3.6
15.6
76.7
23.3
-3 .5
-1 .9
5.9
12.0

13.8
2.4
32.9
.4
17.8
67.3
32.7
-2 .9
-2 .0
9.0
18.8

13.6
2.2
33.3
1.3
18.5
68.9
31.1
-3 .4
- .5
8.7
18.5

12.9
10.0
66.6
10.5
100.0
5.5

1
2
3
4
5
6
7

8
a
b
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24

4.54
4.29
—

4.31
4.38
.01

4.94
3.51
.01

4.56
3.72
-.0 4

4.98
3.64
-.0 4

4.63
3.40
-.0 6

4.95
3.50
-.0 5

4.70
3.22
-.1 6

4.94
3.38
-.0 6

4.48
3.16
-.1 4

4.48
3.67
-.0 4

4.32
3.33
-.1 3

4.86
3.64
.21

4.28
3.22
-.2 4

4.59
3.35
.14

4.43
3.29
-.4 9

4.64
3.65
.06

4.03
3.28
-.1 5

3.93
3.90
-.0 2

3.42 25
3.51 26
-.3 4 27

7.96
-.3 3

7.88
-.4 0

7.88
-.2 8

7.68
-.72

7.75
-.6 2

7.71
-.5 6

7.50
-.3 7

7.44
-.3 8

7.60
-.4 0

7.37
-.43

7.09
-.3 2

6.70
-.2 9

7.00
-.41

6.55
-.37

6.59
-.2 6

6.10
-.3 2

6.12
-.1 8

5.87
-.1 8

6.03
-.2 3

5.86 28
-.13 29

DISTRIBUTION OF TOTAL ASSETS
Percentage of Total Assets:
30. U.S. Government securities................................................ 18.7
6.0
31. Other securities...................................................................
32. Loans (net) ........................................................................ 47.5
33. Cash assets ......................................................................... 27.0
34. Real estate assets..................................................................
.7
35. All other assets...................................................................
.1
OTHER RATIOS
36. Total capital accounts to total assets.................................. 13.6
37. Total capital accounts to total assets less
Government securities and cash assets.................... 26.2
38. Total capital accounts to total deposits.............................. 15.9
39. Time deposits to total deposits............................................ 17.5
40. Interest on time deposits2....................................................
3.89
For notes see back page.

9.8
7.9
6.6
2.2

$1,000-$2,000
1967
1966
61
66

22.1
5.5
46.2
25.2
.9
.1

20.8
9.8
46.2
21.4
1.6
.2

21.2
8.7
45.1
23.1
1.8
.1

18.9
12.5
47.1
19.2
2.1
.2

18.8
12.0
47.4
19.4
2.2
.2

17.0
16.6
46.4
17.9
1.9
.2

18.8
14.8
45.9
18.4
1.9
.2

14.2
17.5
49.4
16.4
2.2
.3

15.6
17.0
48.2
16.8
2.1
.3

13.1
16.4
50.1
17.2
2.7
JS

14.8
14.8
49.8
17.7
2.5
.4

14.7
12.4
50.4
19.8
2.2
.5

15.5
11.4
51.4
19.1
2.2
.4

13.2
12.8
51.7
19.6
2.0
.7

14.6
12.2
52.1
18.4
2.1
.6

16.5
11.5
49.2
19.9
2.1
.8

18.0
10.8
48.4
19.8
2.3
.7

9.5
11.1
51.7
24.0
2.5
1.2

10.5
51.3
23.5
2.4
1.3

30
31
32
33
34
35

13.9

12.6

13.2

10.7

10.9

8.6

8.5

7.8

7.7

7.3

7.5

7.5

7.3

7.7

7.9

6.8

6.6

9.2

9.1

36

28.3
16.5
16.5
3.89

22.9
14.7
26.4
3.95

25.4
15.7
25.7
3.87

18.4
12.1
33.7
4.08

18.1
12.4
31.6
3.82

11.4
8.6
44.7
4.13

11.6
8.5
41.2
3.85

10.6
8.0
43.8
4.42

11.2
8.3
39.6
3.93

11.7
8.3
40.2
4.39

11.5
8.0
38.5
4.05

11.6
8.6
40.8
4.19

11.8
8.8
39.0
3.98

10.7
7.6
44.8
4.25

10.7
7.4
43.4
4.02

13.8
10.7
36.5
4.54

13.9
10.5
36.6
4.35

37
38
39
40

13.7 14.2
9.6
9.4
38.0 35.0
4.16 3.97

11.0

NOTES FOR TABLE
1 Each of the 1967 ratios represents an average of the ratios of individual banks com­
puted from data taken from reports of condition as of December 31, 1966, and June 30,
1967, and from reports of income and dividends for the year 1967. Figures used as a
basis for the 1966 ratios are averages o f amounts taken from reports of condition as
of December 31, 1965, and June 30, 1966, and from reports of income and dividends
for the year 1966.
2 Banks reporting zero amounts were excluded in computing th is average, and figures
are not shown where there were few er than three banks in a group.
3 Computed on the basis of actual net losses or recoveries (after adjustm ents for
tran sfers to and from reserves for bad d eb ts), rather than on the basis of figures
furnished on the face of the Report of Income and Dividends.
N O T E : D etails m ay not add to totals because of rounding.

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