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F e d e r a l Re s e r v e

bank

OF DALLAS

Dallas, Texas, April 6, 1960

OPERATING RATIOS OF MEMBER BANKS
ELEVENTH FEDERAL RESERVE DISTRICT

To the Member Banks in 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 1959, with comparative figures for 1958. Each of the 1959 ratios
represents an average of the ratios of individual banks computed from data
taken from reports of condition as of December 31,1958, June 10,1959, and
October 6, 1959, and from reports of earnings and expenses for the year
1959. 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.
Yours very truly,
Watrous H. Irons
President

This publication was digitized and made available by the Federal Reserve Bank o f Dallas' Historical Library (FedHistory@dal.frb.org).
publication
Bank of
Historical Library (FedHistory@dal.frb.org)

OPERATING RATIOS OF MEMBER BANKS FOR THE YEARS 1959 and 1958 — ELEVENTH FEDERAL RESERVE DISTRICT
Y ou r bank
1958
1959

$500 and under
1959
1958

8

Number o f banks in group

11

$ 5 0 0 - $1,000

$1,000

1959
32

1958

1959
100

10.7
9.4
7.1
2.8

11.7
10.0

38

BANKS W ITH AV ER A G E DEPOSITS (In thousands of dollars)
$2,000 $5,000
$2,000
$5,000 $10,000 $10,000 - $25,000 $25,000 $50,000 $50,000-$100,000
1959
1958
1958
1959
1959
1958
1958
1959
1959
1958
1958
209
106
209
142
139
68
61
26
19
25
20

Over $100,000

1959
17

1958
16

S U M M A R Y R A T IO S
P ercen ta g e o f T o ta l C a p it a l A cco u n ts
11.9
10.8
8.6
3.2

1. Net current earnings before income taxes................................
2. Profits before income taxes.........................................................
3. Net profits ......................................................................................
4. Cash dividends declared...............................................................

7.7
8.3
6.6
3.0

8.0
2.9

13.1
11.3
8.8
3.5

11.9
10.0
7.6
3.4

15.1
12.7
9.6
3.7

13.4
11.6
8.7
3.5

17.4
12.7
9.0
3.5

15.5
12.7
8.7
3.6

18.4
12.0
7.5
3.3

15.9
13.1
8.6
3.4

17.9
13.6
8.3
3.4

15.0
14.1
8.9
3.1

18.1
10.9
5.6
3.8

15.2
13.0
7.1
3.7

18.9
15.3
8.7
4.3

17.2

1

17.3
9.5

2
3

4.1

4

3.37

5
6
7

P ercen ta g e of T o ta l A sse ts
4.78
1.59
1.17

5. Total earnings.................................................................................
6.

Net current earnings before in com e taxes

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

3.86
.99
.89

4.27
1.27
.84

4.22
1.39
.97

4.09
1.32
.88

3.87
1.22
.79

3.91
1.30
.82

3.79
1.17
.76

4.05
1.31
.69

3.78
1.18
.67

4.16
1.27
.52

3.87
1.09
.59

4.07
1.28
.58

3.76
1.10
.65

3.73
1.25
.39

3.50
1.07
.49

3.73
1.45
.67

1.30
.73

S O U R C E S AN D D IS P O S IT IO N O F E A R N IN G S
P ercen ta g e o f T o tal Earnings
8. Interest on U. S. Government securities..................................
9. Interest and dividends on other securities.............................
10. Earnings on loans.......................................................................
11. Other current earnings..................................................................
12.

Total earnings....................................................................

13.

Service charges on deposit accounts ( Included in item 11 j 1.

14. Trust department earnings (Included in item 11 ) l .........
15. Salaries and wages........................................................................
16. Interest on time deposits............................................................
17. Other current expenses...............................................................
18.
Total expenses............ -......................................- ..........
19. Net current earnings before income taxes..............................
20. Actual net losses (recoveries - ( - ) .............................................
21. Net increase (decrease -(-) in valuation reserves................
22. Taxes on net income............................................ .......................
23. Net profits........................................................................................

100.0

100.0

13.1
.7
80.6
5.6
100.0

13.7
2.9
76.3

7.1

3.1

100.0
3.6

__
42.4
.6
26.0
69.0
31.0
3.1
6.3
21.6

20.0
2.7
68.5
8.8
100.0

16.4
4.0
71.3
8.3

4.7

100.0
4.5

__

__

__

44.7

39.6
4.4
27.5
71.5
28.5
3.0
.4
6.3
18.8

38.5
4.1

2.8
29.6
77.1
22.9
+ 5.6
5.5
23.0

25.2
67.8
32.2
1.6
2.4
5.7
22.5

20.4
7.2
63.5
8.9
100.0

20.2
6.9

64.6
8.3

22.9
8.9
58.6
9.6
100.0

100.0

22.2
8.4
57.9
11.5
100.0

6.1

6.7

7.9

21.3
8.2
60.4
10.1

5.9

100.0
5.5

.8

1.1

__

.5

1.5

35.7
7.2
24.5
67.4
32.6
3.3
.9
6.5
21.9

36.9

33.8
7.9
24.7
66.4
33.6
3.5
1.6
7.1
21.4

36.1

31.8
10.6
24.6
67.0
33.0
6.2
2.1
7.2
17.5

6.3
25.1
68.3
31.7

2.5
1.6
6.5
21.1

7.4
25.4
68.9
31.1

1.5
2.0
7.1
20.5

21.9
8.2
59.0
10.9
100.0
7.2
9
33.4
9.7
24.8
67.9
32.1
2.7
2.6
8.4
18.4

18.6
6.9
59.9
14.6
100.0
9.4
1.2

31.2
12.9
25.4
69.5
30.5
6.2
4.0
7.7
12.6

17.3
6.7
61.2
14.8
100.0
9.3
1.4
33.1
12.6
26.2
71.9
28.1
2.0
2.8
8.2
15.1

19.6
6.0
58.4
16.0
100.0

18.0
6.3
58.6
17.1

19.1
4.4
64.5
12.0
100.0

6.3

100.0
7.0

3.6

1.5

1.9

28.7
13.0
26.9
68.6
31.4
6.2
2.0
8.9
14.3

30.9
12.8

27.2
12.3
26.9
66.4
33.6
8.9
3.8
10.4
10.5

26.9
70.6
29.4
+ 1.5
3.3

10.0
17.6

5.4

18.1
4.5
65.0
12.4
100.0
5.8
1.7
29.9
11.6
27.6
69.1
30.9
.5
3.9
12.4
14.1

17.8
4.8
63.5
13.9
100.0

61.9
14.8
100.0

3.0
3.2

2.7
3.4

13
14

22.1
13.8
25.0
60.9
39.1
6.5
.4
14.4
17.8

22.7
14.0

15

18.3
5.0

24.9
61.6
38.4
+ 3.0

8
9
10
11
12

16
17
18
19

2.7

20
21

17.0
21.7

22
23

R A T ES O F E A R N IN G S ON S E C U R IT IE S A N D LO A N S
P ercen ta g e o f U. S . G o vern m en t S e c u ritie s
24.

Interest on U. S. Government securities..................................

3.10

2.17

3.08

2.93

3.09

3.00

3.19

2.87

3.06

2.76

2.97

2.61

2.80

2.46

2.97

2.45

2.72

2.47

24

3.44

3.62

3.61

3.65

2.96

2.99

2.82

2.66

2.61

2.74

2.66

2.60

2.75

2.48

2.28

2.42

2.75

2.59

25

.09

.04

+ .08

.07

+ .02

.19

+ .05

.32

+ .04

.42

+ .32

.47

+ .45

.77

+ .64

.69

+ .46

26

8.93
+ .31

7.51
.26

7.81

7.35
.24

7.23

7.07
.09

7.02
.06

6.99
.18

6.78

6.75
.16

6.51
.21

6.28
.11

6.08
.12

5.68
.18

5.55
.35

5.41
.07

5.10

27

.11

28

P ercen ta g e o f O th e r S e c u ritie s
25.

Interest and dividends on other securities..............................

P ercen ta g e o f T o ta l S e cu ritie s
26. Actual net losses (recoveries and profits -f-)
on total securities2 ............ .
... _ __
_

+

P ercen ta g e o f T o ta l Loans
2-7- E arnings on loans
28. Actual net losses (recoveries + ) on loans2..............................

8.00
.15

.23

.17

.22

D ISTR IB U T IO N O F T O T A L A S S E T S
P ercen ta g e o f T o ta l A sse ts
29. U. S. Government securities.........................................................
30. Other securities................................. ..........................................
31. Loans ...............................................................................................
32. Cash assets......................................................................................
33.

R eal estate assets

18.6
1.4
40.5
38.6
.9

40.2
.7
.1

27.4
3.5
38.8
29.2
1.0
.1

13.4

13.5

32.1
15.6
2.0

37.5
15.7
5.3

34. A ll other assets...............................................................................

21.7
3.2
34.1

.1

25.8
10.1
35.7
27.3
.9
.2

12.4

12.1

30.0
14.3
8.6

28.2
13.8

24.4
5.3
39.1
30.4
.7

.1

33.8
25.3
1.2
.1

36.8
26.1
1.8
.2

27.2
9.0
38.4
23.2
1.9
.3

.1

10.3

10.4

8.9

9.0

7.7

7.8

7.1

7.1

23.1
11.6
13.0

24.0

19.8
9.8
13.7

20.3
9.9
12.7

16.8
8.4
18.7

17.7
8.5

14.8
7.7
23.6

15.0

35.6
28.5
.9

27.6
12.5
34.4
24.0
1.4
.1

25.2
10.7
37.4
24.7
1.8
.2

27.7
12.5
33.3
25.2
1.2
.1

25.6
9.3

27.3
11.5
33.3

26.5
1.3

28.3
11.3

25.1
10.0

.2

23.9
7.6
42.5
23.8
1.9
.3

7.4

7.5

7.0

7.1

15.6
8.1
23.7

15.8
8.1

13.7
7.8
21.1

14.6
7.8
20.5

26.7
9.4
36.5
25.1
2.1

1.8
.2

23.2
6.3
43.4
24.5
1.9
.7

25.2
6.5
41.1
25.2

24.0
6.3
40.9
26.2
1.8

29
30
31
32

.8

33
34

7.8

7.6

35

15.0
8.7
23.1

15.3
8.3

36
37

22.3

38

O T H E R R A T IO S
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. Tim e deposits to total deposits............................................ .......

8.6

11.7
11.1

16.8

7.7
22.8

22.6

1 Banks reporting zero amounts were excluded in computing this average, and figures are not shown where there were fewer than three banks in a group.
2 Computed on the basis o f actual net losses or recoveries (after adjustments for transfers to and from reserves for bad debts), rather than on the basis of figures furnished on the face of the Report of Earnings and Dividends.
NOTE: Balance sheet figures used as the basis for ratios are averages of amounts reported as of December 31, 1958, June 10,1959, and October 6, 1959.

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