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F e d e r a l R e s e r v e Ba n k OF DA LLAS Dallas, Texas, March 6, 1953 OPERATING RATIOS OF MEMBER BANKS ELEVENTH FEDERAL RESERVE DISTRICT To Member Banks of the Eleventh Federal Reserve District: There is presented on the inside pages of this letter the annual statement of operating ratios of member banks in the Eleventh Federal Reserve Dis trict for 1952, with comparative figures for 1951. Each of the 1952 ratios represents an average of the ratios of individual banks computed from data taken from reports of condition as of December 31, 1951, June 30, 1952, and September 5, 1952, and from reports of earnings and expenses for the year 1952. 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. 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 1952 AND 1951 — ELEVENTH FEDERAL RESERVE DISTRICT BANKS WITH AVERAGE DEPOSITS (in thousands of dollars) $5,000 - $9,999 $10,000 $24,999 $25,000 - $49,999 $2,000 - $4,999 .1 9 5 2 1952 1951 1952 1951 1952 1951 1951 55 28 212 118 113 53 24 137 218 1 $1,00 - $1,999 1 19.2 1951 o o o o' Number of banks in group $500- $999 1952 1951 49 48 LO Under $500 1951 1952 16 19 Your Bank 1951 1952 1952 13 $99,999 $100,000 and Over 1952 1951 1951 13 13 11 SUMMARY RATIOS Percentage of Total Capital Accounts 1. 2. 3. 4. 10.8 8.0 5.9 2.4 Net current earnings before income taxes. Profits before income taxes........................ Net profits.................................................. Cash dividends declared............................ 11.6 9.8 7.9 3.2 13.9 9.5 6.9 2.8 14.4 11.2 9.1 2.8 15» 131 9& 3? 16.3 14.0 11.2 4.2* 17.4 14.2 9.9 3.8 17.7 15.0 11.4 4.1 19.6 15.3 9.1 3.7 20.4 16.7 11.4 3.6 20.4 16.9 9.8 3.2 19.4 15.2 9.4 3.1 18.9 15.8 8.7 3.5 19.2 15.5 9.3 3.4 21.0 17.8 10.2 2.8 Percentage of Total Assets 3.92 1.39 .73 5. Total earnings............................................ 6. Net current earnings before income taxes. 7. Net profits.................................................. 3.69 1.43 .91 3.80 1.48 .77 3.73 1.47 .91 331 130 77 3.23 1.27 .86 3.01 1.18 .67 2.92 1.15 .74 3.00 1.14 .53 2.96 1.17 .66 3.11 1.10 .55 2.82 1.03 .51 2.61 1,04 .48 2.56 1.04 .50 2.62 1.01 .50 SOURCES AND DISPOSITION OF EARNINGS Percentage of Total Earnings 8. 9. 10. 11. 12. 13. 14. 15. 16. 17. 18. 19. 20. 21. 22. Interest on U. S. Government securities................................ Interest and dividends on other securities.............................. Earnings on loans................................................................... Other current earnings......................................................... Total earnings................................................................ Service charges on deposit accounts (Included in item 11) * ' Trust department earnings (Included in item 1 1)** .......... Salaries and wages................................................................. Interest on time deposits....................................................... Other current expenses.............................. Total expenses..................................... Net current earnings before income taxes. Net recoveries and profits (or losses — )... Taxes on net income.................................. Net profits........ ........................................... 30.9 4.6 26.1 61.6 38.4 — 6.0 14.2 18.2 1.7 1.7 2.5 2.4 — .1 — .1 6.5 — .3 6.0 — .3 29.2 6.9 30.3 32.1 1.2 .3 32.0 7.2 28.2 31.4 .1 32.4 7.5 28.6 30.5 .9 .1 6.7 6.0 5.9 20.8 7.3 4.0 17.5 6.4 8.2 17.3 6.3 7.6 33.3 3.0 24.9 61.2 38.8 — 8.3 12.2 18.3 1.7 1.8 2.8 2.7 — — .1 7.4 -.6 7.5 — .4 25.1 4.5 34.1 35.7 .5 .1 28.7 6.1 30.8 33.7 .6 .1 10.6 10.3 28.1 12.0 5.1 28.7 11.6 4.6 1.9 1.7 23 2.2 2.3 3.0 2.8 24 — .1 — .1 — .2 — .3 — .1 25 5.2 — .2 4.9 — .2 4.9 — .2 4.7 — .2 4.3 — 4.0 — .2 26 27 30.2 5.4 31.6 31.7 .1 31.9 3.5 32.3 30.8 1.3 .2 34.2 3.7 30.4 30.6 .2 31.8 6.5 29,0 31.7 .9 .1 .1 27.7 4.5 34.9 31.1 1.3 .5 27.1 4.6 35.1 31.5 1.3 .4 28 29 30 31 32 33 5.8 5.7 5.6 5.7 4.9 4.8 6.0 5.8 34 15.7 6.2 12.4 16.5 6.0 12.0 16.1 6.0 11.2 15.8 6.1 11.3 14.3 5.2 13.2 15.1 5.1 13.3 14.5 6.5 11.0 14.0 6.2 11.3 35 36 37 1.8 2.5 2.3 — — .1 6.6 — .5 6.5 — .5 33.3 7.4 27.0 31.4 .8 .1 32.1 7.0 28.8 31.0 7.0 21.1 7.6 4.4 2.4 — .1 — .1 7.0 — .5 6.9 — .3 30.8 6.2 29.5 32.7 .7 .1 32.5 7.3 27.4 31.9 .8 .1 8.4 8.0 23.2 9.2 'J . 8 23.4 8.8 3.7 3.0 4.0 — — .1 1.0 9.0 — .8 16.2 4.3 36.8 42.1 .5 .1 1.7 1.9 3.3 2.9 — .2 — 8.2 — 1.2 8.5 — .8 20.8 3.8 33.1 41.8 .4 .1 23.3 4.4 35.9 35.8 .5 .1 13.5 12.7 34.7 15.7 2.2 36.5 14.6 2.5 _ _ 37.7 .6 25.3 63.6 36.4 — 10.3 7.2 18.9 36.9 23.0 60.9 39.1 — 7.6 6.5 25.0 35.9 2.0 23.8 61.7 38.3 — 11.5 7.3 19.5 36.4 1.4 23.9 61.7 38.3 — 8.0 5.6 24.7 35.4 1.4 23.7 60.5 39.5 ^ 6 .8 2.1 1.7 2,0 4.1 3.5 — 8.7 1.0 1.7 1.7 2.6 1.9 _ 5.4 ~~~ 6.1 2.4 6.5 2.3 22.1 2.4 61.0 14.5 100.0 5 6 7 25.3 4.8 27.1 57.2 42.8 — 7.3 18.3 17.2 30.3 3.8 25.9 60.0 40.0 — 6.0 15.3 18.7 1.9 1.8 4.2 __ 21.4 5.6 61.1 11.9 100.0 2.31 1.02 .43 1 2 3 4 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 1.8 8.8 23.9 4.6 21.8 6.0 61.8 10.4 100.0 18.0 14.7 7.5 4.0 20.2 5.0 60.1 14.7 100.0 2.2 3.1 25.5 4.1 26.3 55.9 44.1 — 8.1 17.4 18.6 33.6 3.9 27.1 64.6 35.4 — 5.5 12.1 17.8 34.8 1.6 23.9 60.3 39.7 — 6.8 10.0 22.9 21.1 6.2 61.5 11.2 100.0 6.4 1.8 34.9 1.3 24.0 60.2 39.8 — 5.4 8.2 26.2 13.6 3.8 74.2 8.4 100.0 4.6 2.48 1.06 .43 21.4 4.5 59.4 14.7 100.0 22.0 4.9 58.9 14.2 100.0 4.6 2.1 30.1 3.3 26.2 59.6 40.4 — 6.3 13.3 20.8 20.9 5.8 57.8 15.5 100.0 7.5 2.5 33.4 3.6 26.2 63.2 36.8 — 8.0 10.8 18.0 18.1 5.1 66.4 10.4 100.0 6.2 — 35.1 1.3 23.9 60.3 39.7 -5.2 7.0 27.5 13.0 2.9 76.1 8.0 100.0 2.50 1.00 .42 18.3 15.2 7.4 4.3 24.6 2.8 55.9 16.7 100.0 4.9 2.1 31.8 3.5 24.9 60.2 39.8 — 10.1 13.1 16.6 21.0 5.9 60.0 13.1 100.0 7.0 2.7 33.5 2.3 24.2 60.0 40.0 — 6.6 10.1 23.3 180 5.3 67.2 9.5 100.0 10.7 3.0 78.6 7.7 100.0 3.8 9.0 3.7 78.4 8.9 100.0 20.8 15.5 8.8 3.0 18.8 5.2 61.5 14.5 100.0 7.5 2.6 23.8 6.0 56.2 14.0 100.0 4.9 1.8 4.6 1.8 1.8 3.1 RATES OF EARNINGS ON SECURITIES AND LOANS Percentage of U. S. Government Securities 23. Interest on U. S. Government securities................................ Percentage of Other Securities 24. Interest and dividends on other securities............................ Percentage of Total Securities 25. Net recoveries and profits (or losses — ) on total securities. Percentage of Total Loans 26. Earnings on loans................................................................. 27. Net recoveries (or losses — ) on loansf................................ — DISTRIBUTION OF TOTAL ASSETS Percentage of Total Assets 28. 29. 30. 31. 32. 33. U. S. Government securities......... Other securities.............................. Loans.............................................. Cash assets...................................... Real estate assets........................... All other assets.............................. 1.0 1.0 1.0 1.0 OTHER RATIOS 34. Total capital accounts to total assets............................. 35. Total capital accounts to total assets less Government securities and cash assets................................................. 36. Total capital accounts to total deposits........................... 37. Time deposits to total deposits....................................... iv cviocu . i c p u i w u g /.C1 U amounts were exciuueu i l l c o m p u t i n g u n a o v u a gt, are not shown where there were fewer than three banks in a group. auu tComputed on the basis of actual net losses or recoveries rather than on basis of figures reported on the face of the earnings and dividends report. Note: Bahnce sheet figures used as a basis for ratios are averages of amounts reported December 31, 1951, June 30, 1952, and September 5, 1952.
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