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FEDERAL RESERVE BANK OF DALLAS Dallas, Texas, April 29, 1938. OPERATING RATIOS OF MEMBER BANKS To the Member Bank Addressed: There is shown on the opposite side of this sheet a statement of the operating ratios of member banks in the Eleventh Federal Reserve District for the year 1937. The items of assets and liabilities upon which the ratios are based rep resent averages of the amounts shown on the condition reports of March 31, June 30 and December 31, 1937. 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, 1937. 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. 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 group; consequently, the larger banks in a group do not have an undue in fluence on the group ratios. It will be noted that space has been provided on the form so that you may enter the ratios of your bank and compare them with the ratios of the group to which it belongs. We trust that this information will be of value to you. Yours very truly, b. a . m c k in n e y , President This publication was digitized and made available by the Federal Reserve Bank of Dallas' Historical Library (FedHistory@dal.frb.org) 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 F O R 1 9 3 7 GROUPED ACCORDING TO DEPOSITS N u m b e r o f bank s in d e p o s it g r o u p ....... ........... ....... U p to $250,000 $250,001 to $500,000 $500,001 to $1,000,000 $1,000,001 to $2,000,000 $2,000,001 to $5,000,000 114 141 122 64 43 75 .1 % 6 4 .7 % 59 .4 % 5 7 .8 % 5 3 .6% 50 .9% 4 9 .5 % 6 2 .7 % 12 .2% 19 .2% 2 2 .3 % 2 5 .0 % 2 7 .2 % 2 8 .5 % 3 2 .2 % 2 0 .8 % 3 6 .2 % 2 .7 % 69 .5% 3 0 .5 % 2 1 .5 % 3 4 .9 % 3 .6 % 6 8 .6% 3 1 .4 % 29 .9% 33 .0 % 5 .7 % 67 .3 % 3 2 .7 % 2 9 .3 % 3 1 .5 % 7 .4 % 6 5 .6 % 3 4 .4 % 3 0 .3 % 2 9 .3 % 8 .1 % 6 5 .4 % 34 .6% 3 3 .1 % 30 .8% 10 .4% 7 0 .9 % 2 9 .1 % 19 .2% 2 9 .0 % 9 .2 % 67 .4% 3 2 .6 % 3 3 .7 % 3 3 .4 % 5 .3 % 67 .9 % 32 .1 % 28 .0% 5 .1 % .3 % 8 .5 % 0.0 2 .5 % .6 % 3.6 % .4 % $5,000,001 to $10,000,000 O ver $10,000,000 A v era ge A ll G rou p s 24 22 530 S o u rce s an d D isp o s itio n o f E a rn in g s R a tio s to t o t a l ea rn in g s fr o m cu rren t o p e r a t io n s : P rin cip a l e a rn in g s : In te r e s t an d d iscou n t on lo a n s .......... .... In te re st an d d ivid en d s on b on d s, stock s, etc. ................................ ......... .................... —. P rin cip a l e x p e n s e s: S a la ries an d w a g e s ..................................... . In te re s t o n d e p o s its _______ ___ ___ ______ T o ta l cu rre n t e x p e n s e s ........ .......................... N e t ea rn in g s fr o m cu rre n t o p e r a tio n s ...... N e t a d d ition to p r o f i t s .......... .......................... E a rn in g s and L o s s E x p e rie n ce o n L oa n s and In v e s tm e n ts R a tio s to to ta l loa n s an d d is co u n ts: In te r e s t and d iscou n t on lo a n s ...................... 9 .7 % N e t lo s s ( — ) o r re co v e rie s ( + ) on loa ns — .6 % R a tio s to b on d s, sto ck s and o th e r secu rities ow ned: 3 .7 % In te r e s t and d iv id en d s__ __________________ P ro fits o n s e cu rities so ld ....... ..... ................. .4 % N e t loss ( — ) o r re co v e rie s ( + ) on s e c u r it ie s ....................... ....... ............................ + .4 % + 9 .2 % .3 % + 3 .8 % .3 % — .2 % 8 .5 % .1 % + 3 .8 % .5 % — .4 % 8 .0 % .2 % + 3 .5 % .5 % — .3% 7 .7 % .1 % — .3 % + 3 .0 % .4 % 3 .3 % .6 % — 5 .8 % .4 % — .4 % — .5 % — .1 % M e a su res o f O p e ra tin g E fficien cy R a tio s t o to t a l a va ila b le fu n d s (ca p ita l, su rp lu s, u n d ivid ed p rofits, re se rv e s , d e p o s its , and b o r r o w e d m o n e y ) : T o ta l e a rn in g s fr o m cu rren t op era tion s... N e t e a rn in g s fr o m cu rren t o p e r a t io n s ... N e t a d d ition to p r o fits _______ ____ ________ 5 .7 % 1.7 % 1 .3 % 4 .9 % 1 .6 % 1 .5 % 4 .5 % 1 .5 % 1 .3 % 4 .1 % 1.4 % 1 .2 % 3 .6 % 1 .3 % 1 .2 % 2 .9 % .9 % .6 % 2 .6 % .9 % .9 % 4 .6 % 1.5% 1.3 % 7.7% 5.2% 10.1% 9.3% 11.6% 10.1% 13.0% 10.9% 12.9% 12.1% 9.7% 5.4% 10.1% 10.3% 10.5% 8.9% Earnings on Capital Investment Ratios to total capital funds (capital, sur plus, undivided profits and reserves): Net earnings from current operations.... Net addition to profits......... ................ Your Figures