Full text of District Notices (Federal Reserve Bank of Dallas) : Operating Ratios of Member Banks

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FEDERAL RESERVE BANK
OF DALLAS

Dallas, Texas, April 5, 1940

O PERATIN G R A TIO S O F MEMBER B A N K S

To the Member Bank Addressed:

There is shown on the inside of this folder a statement o f operating
ratios of member banks in the Eleventh Federal Reserve District for the
year 1939. This statement is similar to those mailed your bank previously
covering operations for the years 1937 and 1938.
The items of assets and liabilities upon which the ratios are based
represent averages of the amounts shown on the condition reports o f March
29, June 30, October 2 and December 30, 1939. The data on earnings and
expenses were derived by combining the amounts shown on the reports of
earnings and dividends for the six months’ periods ended June 30 and
December 31, 1939.
The banks are grouped according to the size of their deposits. The ratios
in each group are the averages of the ratios of individual banks in that
grou p; consequently, the data on the larger banks in a group do not have
an undue influence on the group ratios.
The ratios of your bank have been inserted in the column at the right
of the inside page in order that they may be readily compared with those
o f its group. It will be noted that the group in which the figures of your
bank are included is indicated by a check mark.
It is hoped that this information will be o f interest and value to your
bank.

Yours very truly,
R. R. GILBERT,
President

This publication was digitized and made available by the Federal Reserve Bank of Dallas' Historical Library (FedHistory@dal.frb.org)

CALENDAR

YEAR

1939

A V E R A G E O P E R A T IN G R A T IO S O F M E M B E R B A N K S IN T H E E L E V E N T H F E D E R A L R E S E R V E D IS T R IC T
G R O U P E D A C C O R D I N G TO SIZE O F D E P O S IT S

Groups with average deposits of

Up to
$250,000

$250,001
to
$ 500,000

$500,001
to
$1,0 0 0,0 0 0

$1,0 0 0,0 0 1
to
$2,0 0 0,0 0 0

$ 2,000,001
to
$5,0 0 0,0 0 0

$ 5,000,001
to
$10 ,0 00 ,0 00

O v er
$10 ,0 00 ,0 00

A verage
A ll Groups

95

131

84

46

19

33

535

%

%

%

%

%

%

%

78.9
10.3
3.8
7.0

69.3
17.1
5.3
8.3

64.3
20.2
6.2
9.3

61.8
22.9
7.2
8 .1

56.4
25.4
6.0
12.2

53.3
26.7
7.8
12.2

54.0
25.4
5.5
15.1

66.0
19.1
5.7
9.2

36.5
2.8
30.1
69.4
30.6
5.9
24.7
15.6

36.6
2.8
29.9
69.3
30.7
+
-1
30.8
16.8

33.8
4.9
28.9
67.6
32.4
.9
31.5
15.4

32.8
6.1
27.0
65.9
34.1
4.3
29.8
13.9

31.4
8.1
27.2
66.7
33.3
3.7
29.6
12.8

34.2
8.9
31.5
74.6
25.4
+ 3.3
28.7
10.8

31.9
8.9
30.6
71.4
28.6
+ 3.3
31.9
13.0

34.5
4.9
29.1
68.5
31.5
1.9
29.6
15.0

4.5
4.2

4.4
5.1

4.4
4.8

4.1
3.8

4.8
3.7

5.9
3.5

4.9
3.7

4.5
4.4

9.3
33.2
80.0

8.9
21.4
72.6

12.0
16.6
68.0

14.0.
13.6
66.4

20.7
12.8
62.3

21.5
10.3
56.9

17.2
9.1
57.2

12.5
19.2
69.4

.4
8.9

.5
10.5

1.8

T.5

6.0

10.2

10.0

.7
9.0

3.6
15.0

R A T I O S TO T O T A L E A R N I N G S F R O M C U R R E N T
O PERATIO N S:

127

%

Number of banks in each g ro u p -------------

4.6
18.0

4.9
19.9

4.5
20.1

4.2
25.7

39.1

28.0

23.9

19.9

10.1
1.1
1.6
9.6

9.0

7.6
.8

9.0

8.4
.8
.9
8.3

4.0
.3
.7
.3
4.7

4.0
.1
.9
.2
4.8

45.3
14.4
3.3
36.9
.1
5.7
1.8

39.2
20.2
2.9
37.6
.1
4.9
1.5

Your
F igu re s

%

Sources of Earnings

1.
2.
3.
4.

Interest and discount on loans--------------Interest and dividends on securities-------Service charges on deposit accounts.
All other earnings---------------------------------Disposition of Earnings

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

Salaries and wages------------------- -----------Interest on time and savings deposits.....
All other expenses_____
_
___
Total current expenses— ....... ........
Net earnings from current operations
Net charge-olfs (or net recoveries [ + ] )
Net addition to profits----- ----------------Cash dividends declared--------------Other Ratios to Current Earnings

13. Real estate taxes (included in item 7 ) .....
14. Other taxes (included in item 7)
......

R A T IO S TO TO T A L DEPO SITS:

15. Total time deposits _______
16. Total capital accounts_____
17. Total loans and investments
YoT
20.

.

JV ti*grc-oftsf' (o r ne. rec o veries- l -f.j J
T

'.^t addition to profits..... .......................
21. Cash dividends declared..............................
22. Real estate assets_________ _______

9.0

.9
9.1

3.2
34.6

3.5
31.7

4.3
20.4

19.8

18.2

15.3

25.9

7.4

7.0
.6
.9
6.7

6.0
.8
.7
6.1

4.8
.4
.6
4.6

8.3
.9
1.1
8.1

3.7
.1
.9
.4
4.3

3.4
.1
.8
.3
4.0

3.3
.2
1.2
.9
3.8

2.8
.3
1.5
.7
3.9

2.2
.6
1.4
1.1
3.1

3.6
.2
.9
.4
4.3

34.8
23.3
2.7
39.0
.2
4.4
1.5

32.6
25.7
2.3
39.3
.1
3.9
1.4

28.5
26.7
2.9
41.7
.2
3.5
1.2

26.8
24.7
3.1
45.1
.3
2.8
.7

26.5
25.7
2.7
44.8
.3
2.3
.7

36.0
21.9
2.8
39.1
.2
4.4
1.4

-f~

R A T IO S TO L O A N S , S E C U R IT IE S A N D R E A L
ESTATE ASSETS:

23. Total capital accounts_____ ___ ____ _

.

R ATIO S TO TO TA L L O A N S :

Earnings and Loss Experience on Loans

24. Interest and discount on loans_______
25. Recoveries on loans ______ _______
_
26. Losses on loans_____________________
27.
Net return on loans_________ _____

1.0
1.0

1.0

R A T I O S TO T O T A L S E C U R I T I E S :

Earnings and Loss Experience on Securities

28.
29.
30.
31.
32.

Interest and dividends on securities.....
Recoveries on securities_______________
Profits on securities sold______________
Losses on securities____ _____ ____
Net return on securities............

R A TIO S TO T O T A L A S S E T S :

33.
34.
35.
36.
37.
38.
39.

Loans____________ ___ ____________ ___
Securities________ ___ _______
Real estate assets________ _____ ______
Cash assets_______ ____ _______
All other assets_____ ___ ____
Total earnings from current operations
Net earnings from current operations...

Explanations: The item “ net addition to profits” represents net earnings from current operations plus recoveries on loans and securities, profits on
securities sold, etc., less charge-offs on loans, securities and other assets. Net charge-offs were derived by deducting from total charge-offs the total
of recoveries on assets previously charged off and profits on securities sold. Real estate assets include bank premises owned, furniture and fixtures,
other real estate owned, and investments and other assets indirectly representing bank premises or other real estate. Cash assets include cash on
hand, balances with other banks (including the Federal Reserve Bank) and cash items in process o f collection. The item “ total capital accounts”
includes capital stock, capital notes and debentures, surplus, undivided profits and reserves.