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F

e d e r a l

R

e s e r v e

B

a n k

OF DALLAS

April 1, 1943

OPERATING RATIOS OF MEMBER BANKS

To Member Banks in the
Eleventh Federal Reserve District:
We are pleased to present to you the operating ratios of member banks
in our district for the year 1942. It will be noted that the report covers
operations during the last three years. The only other important change
from a year ago is that securities have been divided between Government
securities and non-governmental securities (Items 30 and 31). Asset and
liability items are averages of amounts taken from bank condition reports,
whereas earnings and expense items are the amounts reported by banks
for the full year.
Although there was a substantial reduction in the volume of loans dur­
ing 1942, interest on loans and discounts continued to account for the
major proportion of earnings.
The ratios for your bank have been entered separately to enable you to
study your operations for the past three years and to make comparisons
with the operations of other banks of similar size.
We trust that this information will be both interesting and valuable to
you.
Sincerely yours,
R. R. GILBERT
President

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 1942,1941 and 1940
ELEVENTH FEDERAL RESERVE DISTRICT
BANKS WITH AVERAGE DEPOSITS (in thousands of dollars)
$250-$499

Under $250

$500-$999

$1,000-11,999

$2,000-14,999

$5,000-19,999

Over $10,000

All Groups

1940

1942

1941

1940

1942

1941

1940

1942

1941

1940

1942

1941

1940

1942

1941

1940

1942

1941

1940

1942

1941

1940

84

92

90

121

119

152

147

140

132

98

89

64

51

47

30

23

22

44

38

34

566

562

543

8.0
6.0

7.2

10.8

9.0
8.4
5.1

8.9

11.3
10.7
5.1

10.6
10.2

9.5

9.7

10.6

9.8

8.5

7.7

8.6

82
3.6

10 4
93
4.6

96
86

4.3

8.3
7.9
3.6

82

9.0
3.7

10.5
9.3
4.3

9.6

5.1

11.4
10.3
5.2

11.0

3.6

7.6
4.8
3.5

4.7

2.9
4.7

Your Bank

1941

5,7

1941

1942

Number of Banks

1942
54

1940

5.5
3.8
1.7
1.3

5.6
3.9
1.7

4.4
2.9
1.5
1.4

4.3
2.9
1.4
1.4

3.0

3.7
2.5

3.7
2.5

2.0

3.4
2.4

1.0

42
2.9
1.3

4
5

.8

43
29
14

.6

80.6
9.5
9.9

80.5
9.0
10.5

67.9
16.7
15.4

66.3
18.3
15.4

59.4

59.3

S U M M A R Y R A T IO S
P e rc e n ta g e o f T o ta l C a p it a l A ccou nts
6.6

3.7

9.8
5.3

7.2
4.1

8.3

9.9
5.1

8.1

3.3

3.3
2.3

2.4
.7

2.1
.8

.9

.4

.7

62.2

4.3

6.3

.9

7.7

58.7
23.7
17.6

50.2

54.8
22.9
22.3

8.0

5.8

3.9

3.4

3.4

2.9

2.8
2.1

6.8
3.9

4.6

1
2
3

P e rc e n ta g e o f T o ta l A ssets
3.4
1.3

7. Net profits-------------------- ---- ----------------------- ---------- -

---------

---------

---------

1.2

1.1

.8

1.5

4.7
3.2
1.5
1.4

7 2 .2

72.9
14.0
13.1

71.0
15.8
13.2

3.9
2.9

1.0

4.9
3.3

1.6

3.5

66.1

2.5

1.0
.8

2.1
.9
.8

1.2
1.1

1.2
1.1

2.8

1.0

1.7

.7
.7

.5

2.2
16
.6

.4

.5

4 9 .6

55 5

1.9
1.4

2.2
16
6
.6

3.3
2.4
.9

6

.8

1.2

1.1

7

64 0

68 4

67 5
17 6
14 9

3
9

S O U R C E S A N D D IS P O S IT IO N O P E A R N IN G S
P e rc e n ta g e o f T o ta l Earnings

9

80.2
9.4

Interest and dividends on securities

10.4

11.
12.
13.

Total earnings................................................ -.... -........-

100 .0

100.0

100.0

100.0 100.0 100.0
4.8

Service charges on deposit accounts (In clu d ed in item 1 0 ) * - .

4 .8

*------------

*
41.1

36.2

4.1

*

Trust department earnings (Included in item 1 0 )

2.3
11.0

23.1
77.5
22.5
.3

21. Net profits________________________________________

............................

..................

2 2.2

2.6

5.5
24,1
68.4
31.6
7.4
24.2

14.0
13.8

18.0
15.9

100.0 100.0 100.0

100.0

- 5.5
*

7.7
#

36.3

38.0

39.2

2.6

2.7

5.8
23.5

9.5

12.2

6 .6

*

36.8
2.5
10.4

3 9 .3

20.8

24.1

70.5
29.5
10.5
19.0

79.4

3.2
12.8

6.4

2.6

68.2

6.7

*

70.3
29.7

22.6

34.0
3.5
5.8
24.1
67.4
32.6

28.9 ^

+ .2
22.8

31.0

20.2

23.3
77.4

1.9
1 8.7

31.8
1.9
29.9

7.9

8.6

8.6

7.5

.9

.9

.9

.9

2 0 .6

100.0 100.0

.8

1.6

6.4

*
35.2
4,4
9.0
19.9
68.5
31.5
.3
31.2

23.3
17.3

64.5
19.8
15.7

63.4

21.0

15.6

100.0 100.0 100.0
7 .6

❖

8.0

24.8

❖
34.0
4.6
5.4
23.8
67.8
32.2
2.7
29.5

6.8

7.7

3 7.5
3.4
12.4
23.1
76.4
23.6
+ 1 .2

7.4

*
34.1
5.3
9.3
19.4

20.2

21.4

17.6

19.3

55.7
23.3

21.0
100.0 100.0

22.1

100.0 100.0

100.0

100.0

2 8 .7
2 1 .7
10 0 .0

22 8

21 7

55 6
23 9
205

100.0 100.0

19.5
16.5
1 00.0

16 5
15 1

100.0 100.0

9 .0

7.4

7.2

8 .6

7.7

7.6

6 .6

5.8

5.7

7.4

6.7

6.1

3.4

2.2

2.1

2.1

1 .6

1.8

3.1

3 .2

2 .7

2.9

2.6

2 .3

33.2
5.9
5.8
25.6
70.5
29.5

33.1
6.3
9.9
19.9
69.2
30.8
3.3
27.5

3 6.0

31.9
7.0
5.8
28.9
73.6
26.4
3.6

33.3
9.2
10.5
21.7
74.7
25.3
+.9
26.2

3 4.6

31.9

32.2
7.9

3 8.2

34 5
39
58
24 5
68.7
31 3

35 4
44
97

7.2
.5

5.6

3 7 .2
5.1
12.7
2 2.4

68.1

7 7.4

31.9

22.6
.8

1.8

29.7

21.8

27.7

6.8

7.2

2.2

27.7

5.8
11.9
25.2
78.9
21.1
2 .5
18.6

22.8

5.2

6.0

11.0

3.6

8.3
26.7
72.9
27.1

21.5
72.6
27.4

22.1
.2

28

19.1

25.9

28.6

21.9

28.5

27.7

4 .2

4.8
.4
.5

7.1

7.9

80
8

.3

4.7
.5
.3

1.7

1.9

.2

2.1
.2

14.7
26.1
8 0.6
19.4
.3

1.2 + 1 2

12.5
2 3 .6
77.9

202

69 7
30 3

26

10
11
12
13
14
15
16
17
18
19

20
21

RATES O F E A R N IN G S O N L O A N S A N D S E C U R ITIE S
P e rc e n ta g e o f T o ta l Loans
9.2
1.3
1.1

9.2
.9
1.4

9.4

3.7
.3

3.4

.8
1.6

1.0

.8

.8

.6

8.1
.8
.6

3.6

2.7

3.1

8.1

.4

.7

7.7
.7
.7

3.3
,i
.5
.3

2.7

2.9

3.1

37.6
>
21.3
y .v )

36.1

2 8.7

1.5

2.0

2.2

43.7

39.0

38.9

*
•

22.3
15.6

10.8

.9
.7

.6

.6

.7

.6

.6

.5

.6

2.2

2.7

3.1

6.3

.6

.6

.6

.5

2.0
.1

2.5
.4
.3

P e rc e n ta g e o f T o t a l S e c u ritie s
3.2

27. Profits on securities sold_____________________________
28. Charge-offs on securities____ — -------------------------------

........................................... _______
-------- -------—

.6

.1
.6

.2
.2

.1

.5

.2

2.5
.1

3.5

.1

.1

.1

.1

.2

.3
9

.2

37.1

43.3

40.2

33.1

18.2

20.2

.1

11.7

.1

.3

.1

.3
.4

.1
.1
.2

.1

.3
.3

.1

.2

.6

.3

.3
.4

.6
.6
.6

30.0

27.8

.7

.1
.1

6.2
.6
.6
2.6
.3

.8

.4

.1

.8
.7

.8
.8

.9

2.5
.1

31

32

.1

.1

.2

.4
.4

.7
.4

.1

.9

.2

.3
.3

.5
.3

26.6

26.8

2 3.5

26.6

25.8

3 1 .4

37.7

36.6

25.1

22.5

2 4.9 J

24.7

24.5

'J '7} 20.4

21.2

2.9
47.6

1.9

2.5
47.0

2.2

44.3

2.4
46.1

1.7

4 4.8

2.7
45.4

43.6

39.6

2.5
39.6

14.5

18.1

11.8

14.2

15.1
8.5
16.8

21.2
8.1

23.9
17.5
11.3

25.1
18.6
11.9

1.1

1.7

1.6

1.3

.1

.8

.4

.1

22
23
24
25
26
27
28

D IS T R IB U T IO N O F ASSETS
P e rc e n ta g e o f T o ta l A ssets

42.2

48.9

8.2 | 13.1
5.9 1
2.0
2.6

30. Governm securities..... .............. .................. ..................
ent

48.5
13.7

10.8
8.3 1
1.9

2.2

41.8

36.2
26.0

41.6

35.2

3 5.5

37.0
32.0
9.1

37.5
32.9
9.6

2 7 .6

6.3

33. Cash assets_______________ ________________________

3.0
34,7

2.1

2.0

1.2

2.5
37.0 ^

22.7

32.0

31.4

26.0

23.9

24.4

1 6 .0 )

2.2

44.2

1.9
42.1

41.9

17.8

20.0

20.8

13.0

9.5

7.0

11.1

13.5
12.3

1.8

1.6

1.4

14.2 £
11.3 C
1.4

C A P IT A L A N D D E P O S IT R A T IO S

34. Capital accounts to loans, securities and real estate assets—

.......... .............

—

26.1
37.

Interest on time deposits to tim e d eposits* . .......................

......

—

— -

.....

-

---------------------

20.0

21.2

7.6

9.2

8.3

6.2

10.0

22.7
16.1
11.4

2 .1

1.8

1.2

2.0

1.8

1.4

18.9

.6

13.4

1. Excludes income taxes paid in 1942; includes income taxes in prior years.
2. Includes charge-offs on banking house, furniture and fixtures for 1942 only.
3. Total charge-offs (including those on banking house, furniture and fixtures, etc., as well as on loans and securities) less profits on securities sold and reco\<-'ies 01 1941 and 1942 only, sec footnote 2 for variation.
* Banks reporting zero amounts were excluded in computing this average and figures are not shown where there were fewer than 3 banks in a group.
N ote; Balance sheet figures used as a basis for ratios are averages of amounts reported December 31, 1941, April 4, Juno 30 and December 31, 1942.

23.3

24.9

4 5 .7

2.3
44.3

2.7
44.5

16.2

19.3

11.6

20.1
12.2

11.2

16.2

1.5

1.4

10.6
1.6

\

22.0
19.4

£

11.5 j
2.2

8.4

10.2

18.2

14.8

20.5

18.9
10.3
21.3

1.3

1.1

1.1

1.3

6.9
12.2

.9

8.2

15.8
.9

9 .4 )

13.7

29
30
31
32
33
34
35
36
37

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