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

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F ederal

r e s e r v e

b a n k

OF DALLAS

Dallas, Texas, March 21, 1955

OPERATING RATIOS OF MEMBER BANKS
ELEVEN TH FED ERAL RESERVE DISTRICT

To the Member Banks in the
Eleventh Federal Reserve District:

There is presented on the inside pages of this letter the annual state­
ment of operating ratios of member banks in the Eleventh Federal Reserve
District for 1954, with comparative figures for 1953. Each of the 1954 ratios
represents an average of the ratios of individual banks computed from
data taken from reports of condition as of December 31, 1953, June 30,1954,
and October 7,1954, and from reports of earnings and expenses for the year
1954. 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,
WATROUS H. IRONS

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 YEAU54 AND 1953 — ELEVENTH FEDERAL RESERVE DISTRICT
I

_____ Number of banks in group
SUMMARY RATIOS
Percentage of Total Capital Accounts

1.
2.
3.
4.

Net current earnings before income taxes
Profits before income taxes
Net profits
Cash dividends declared

Percentage of Total Assets

5. Total earnings
6. Net current earnings before income taxes
7. Net profits

|

$50,000- $100,00)6| Over $100,000
1954
1953 1954 1953
16
12
14
13
16.4
16.4
9.0
3 .2
2 .7 8
.91
.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.
23.

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 ) x
Trust department earnings (Included in item 11) l
Salaries and wages
Interest on time deposits
Other current expenses
Total expenses
Net current earnings before income taxes
Actual net losses (recoveries -}-)
Net increase (decrease —|—) in valuation reserves
Taxes on net income
Net profits

RATES OF EARNINGS ON SECURITIES AND LOANS
Percentage of U. S. Government Securities

18.5
17.3
9.3
2.8

7.6

4 .0

4.1

21
3
4

2 .5 8
1.03

2.59
I .07
.46

5
6
7

10.1

.62

22.1

21.2
4.3
5 8 .4
59.8
15.8
14.7
100.0 100.0
2.6
1.9
3.3
3.0
2 6 .0
25.5
7.3
5.7
2 7.0
27.3
6 0.3
58.5
3 9 .7
41.5
+ 8 .4
6.4r
4 .9
+ 1 .7
19.1
19.6r
24.1
17.2

20
21
22
23

2 1 .0

3 .8

24. Interest on U. S. Government securities

17.6
15.9r

1 6.7

2.86
1.00
.49

19.4
2.4
6 2.0
64.8
12.1
13.4
100.0 100.0
5.4
5.1
1.6
1.6
3 3 .7
32.1
6 .6
5.3
2 6.7
27.7
6 7.0
65.1
3 3.0
34.9
+ 4.5
5.3
4 .2
+ 2 .8
15.0
15.0
18.3
17.4

1 8.0

4 .8

'

98
10
11
12
13

14
15

16
17
18
19

Percentage of Other Securities

2 .0 2

1.92

1 .89

2.00

24

Percentage of Total Securities

2 .5 2

2.44

2 .4 9

2.86

25

+ .5 8

.37

26

4 .3 5

4.32
.09

27
28

25. Interest and dividends on other securities
26. Actual net losses (recoveries and profits + )
on total securities12

Percentage of Total Loans

27. Earnings on loans
28. Actual net losses (recoveries + ) on loans2

DISTRIBUTION OF TOTAL ASSETS
Percentage of Total Assets

29.
30.
31.
32.
33.
34.

U. S. Government securities
Other securities
Loans
Cash assets
Real estate assets
All other assets

OTHER RATIOS

35. Total capital accounts to total assets
36. Total capital accounts to total assets less
Government securities and cash assets.
37. Total capital accounts to total deposits
38. Time deposits to total deposits

1 Banks reporting zero amounts were excluded in computing this average, and figures are not shown where there were fewer than
< BiUUy.
2Computed on the basis of actual net losses or recoveries (after adjustments for transfers to and from reserves for bad debts), ratine basis of*figures furnished
on the face of the Report of Earnings and Dividends.
r Revised.
?
NOTE: Balance sheet figures used as the basis for ratios are averages of amounts reported as of December 31, 1953, June 30 1951^7,1954.

+ .9 8
4 .9 2
.33

.06 I
5.11
.32

1.5
.2

29.0
3.3
36.3
29.8
1.5
.1

5 .6

5.4

2 9.6
4 .5
3 5.2
2 9.0

13.9
6 .0
16.2

13.3
5.8
15.3 |

.01

1.1
.7

26.7
4.7
35.9
30.9
1.3
.5

29
30
31
32
33
34

6.1

6.2

35

14.7
6.7
12.2

36
37
38

2 7 .7
5 .0
3 4 .8
3 0 .7

14.9
6 .6
13.7