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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 /.C U amounts were exciuueu i l l c o m p u t i n g
1
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.

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