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F e d e r a l Re s e r v e Ba n k
OF DALLAS

Dallas, Texas, March 13, 1957

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 1956, with comparative figures for 1955. Each of the 1956 ratios
represents an average of the ratios of individual banks computed from data
taken from reports of condition as of December 31, 1955, June 30, 1956,
and September 29, 1956, and from reports of earnings and expenses for the
year 1956. Ratios for your bank are included for your convenience in mak­
ing 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 of Dallas' Historical Library (FedHistory@dal.frb.org)

OPERATING RATIOS OF MEMBER BANKS FOR THE YEARS 1956 AND 1955 — ELEVENTH FEDERAL RESERVE DISTRICT
Your bank
1956
1955
Number of banks in group

$500 and under
1956
1955
11
13

$500- $1,000
1956
1955
44
40

$1,000 $2,000
1956
1955
n2
fJH -

BANKS WITH AVERAGE DEPOSITS (In thousands of dollars)
$2,000 - $5,000 $5,000 $10,000 $10,000 - $25,000 $25,000 $50,000 $50,000-1100,000
1956
1956
1955
1956
1955
1956
1955
1956
1955
1955
209
131
205
132
63
62
22
19
23
17

Over $100,000
1956
1955
14
15

—

S U M M A R Y R A T IO S
P e r c e n t a g e o f T o ta l C a p it a l A c c o u n t s
1.
3.

10.3
8.0
6.6

N e t c u r r e n t e a r n in g s h e fn r e in c o m e t a x e s ........................................

9 . P r o f its b e f o r e in n o m e ta x e s
N e t p r o f it s

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

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

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

2.3

10.2
8.7
6.8
2.6

11.1
6.6
4 .8
2.4

10.6
8.4
6.2
2.7

12.9
10.2
7.6
3.2

12.9
10.9
8.2
3.5

14.9
11.3
8.4
3.6

14.6
11.9
8.4
3.7

18.3
12.7
8.5
3.4

17.7
13.4
8.8
3.5

17.9
13.4
8.6
3.1

18.5
13.5
8.1
3.0

18.6
14.4
8.3
3.3

19.0
15.6
8.6
3.4

17.9
11.3
6.1
3.7

19.8
15.5
7.8
3.6

18.2
14.8
8.4
4.1

18 0
16 2
96
4.2

1
2
3
4

P e r c e n t a g e o f T o t a l A s s e ts
4.12
1.43
.90

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

3.80
1.33
.88

3.90
1.29
.56

3.69
1.22
.72

3.54
1.23
.74

3.38
1.18
.75

3.48
1.22
.69

3.23
1.13
.65

3.52
1.25
.58

3.28
1.17
.59

3.56
1.14
.54

3.33
1.13
.49

3.34
1.24
.56

3.13
119
.54

3.17
1.12
.39

2.94
1.10
.43

2.97
1.24
.57

2 79
117
.62

5
6
/

S O U R C E S A N D D IS P O S IT IO N O F E A R N IN G S
P e r c e n t a g e o f T o ta l E a rn in g s
13.0
1.5
77.6
7.9

12.
Total earnings.............................................................
13. Service charges on deposit accounts (Included in item 11)1.
14. Trust department earnings (Included in item 11J 1
.................

100.0

100.0

100.0

4.7
—

40.3
.3
27.0
67.6
3 2 .4
8.6

9.1

Net in c r e a s e (decrease +

)

10.6
1.7
78.1
9.6
100.0
5.9
—
38.7
.1
26.7
65.5
34.5
5.4

in valuation reserves................

23. Net profits.................................................................................................................

16.8
5.1
69.8
8.3
100.0

5.0
—

38 .6
3.1
25.6
67.3
32.7
8.1
4.2

5.3
18.5

68
22.3

5.7
14.7

14.1
4.2
72.7
9.0
100.0
5.7
—
39.9
2.7
24.7
67.3
32.7
5.1
.7
6.8
20.1

21.2
5.3
65.5
8.0
100.0

5.0
—

37.4
3.0
24.5
64.9
35.1
6.6
.2
6.9
21.4

18.4
5.5
67.6
8.5
100.0
5.1
—
37.1
2.8
25.3
65.2
34.8
\0
.8
7.5
22.5

22.7
6.6
60.9
9.8
100.0

6.2
1.0
36.3
3.4
24.5
64.2
35.8
6.7
1.4
7.3
20.4

21.4
6.5
61.8
10.3
100.0
6.5
1.3
36.9
2.9
24.9
64.7
35.3
4.1
1.6
8.7
20.9

22.6
6.6
59.5
11.3
100.0

7.3
1.2
34.0
5.1
24.5
63.6
36.4
7.7
3.0
8.4
17.3

21.3
6.1
61.0
11.6
100.0
6.9
1.2
34.3
4.7
24.8
63.8
36.2
6.1
2.2
9.6
18.3

18.1
5.6
61.1
15.2
100.0
8 .6

1.5
34.2
6.9
26.7
67.8
32.2
5.4
2.7
8.4
15.7

17.9
5.0
61.5
15.6
100.0
8.6
1.3r
34.5
5.7
26.0
66.2
33.8
5.1
4.0
9.8
14.9

21.2
4.9
59.0
14.9
100.0

6.1
1.0
31.1
6.5
25.2
62.8
37.2
5.4
2 .7
12.2
16.9

22 7
52
56.0
16.1
100.0
6.0
1.2
30 7
56
25.4
61 7
38 3
3.6
34
14 2
17.1

19.9
4.0
63.3
12.8
100.0

5.5
1.5
30.8
6.9
26.9
64.6
35.4
6.1
6.4
10.6
12.3

22.1
3.9
62.7
11.3
100.0
5.4
1J
30.6
6.0
25.6
62.2
37.8
5.0
3.0
14.4
15.4

16.9
4.7
64.3
14.1
100.0

2.1
3.3
24.2
8.6
25.4
58.2
41.8
3.4
4 .4
14.7
19.3

18 9
50
61 9
14 2
100.0
2.3
3.4
24 5
7.7
26.2
58 4
41.6
.9
2.8
15 7
22.2

g
g
10
1]
12
13
14
15
16

17
18
19

20
21
22
23

R A T E S O F E A R N IN G S O N S E C U R IT IE S A N D L O A N S
P e r c e n t a g e o f U . S . G o v e rn m e n t S e c u r it ie s
2.5 9

1.88

2.66

2.03

2.63

2.19

2.60

2.16

2.46

2.10

2.37

2.10

2.39

2.21

2.34

2.21

2.20

2.02

24

4.45

4.16

3.54

3.48

2.98

3.07

2.58

2.60

2.44

2.36

2.37

2.23

2.23

2.26

2.68

2.53

2.39

2.41

25

.08

+ .26

.04

+.02

.15

.06

.31

.13

.19

17

.1 7

21

.31

.24

.40

.03

26

7.24

7.20
.42

6.84
.57

6.95
.41

6.62
.41

6.63
.31

6.49
.33

6.36
.30

6.11
.26

6.06
.18

5.61
.2 7

5 40
.13

5.20
.19

5 06
.15

4.64

4 46
.03

27
28

P e r c e n t a g e o f O t h e r S e c u r it ie s
P e r c e n t a g e o f T o t a l S e c u r it ie s

26. Actual net losses (recoveries and profits -J-

)
.02

P e r c e n t a g e o f T o t a l Lo an s

28. Actual net losses (recoveries +

)

on loans2..........................

8.20
.80

8.10
.65

.63

.11

D IS T R IB U T IO N O F T O T A L A S S E T S
P e rc e n ta g e o f T o ta l A s s e t s

30. Other securities.....................................................................
31. Loans
. ..................................

11.3

9.9

9.4

8.4

7.9

7.0

6.8

6.6

6.4

6.8

6.4

6.4

5.7

6.8

6.4

35

26.7
12.9
5.8

24.5

23.9
10.4
6.0

20.3
9.3

20.8
8.7
6.6

17.2

17.0
7.3
10.9

14.8
7.1

15.2
6.8
15.8

15.8
7.4

15.8
6.9
15.3

14.4

13.6
6.1
15.0

14.2

14.0
7.1
16.0

36
37
38

24.4

—

.1

24.6
5.2
38.4
31.1
.6
.1

13.9

13.4

11.7

32 .8

33.8
15.5
.5

26.5

2.8
42 .0
37.5
.5

34. All other assets.......................................................................

29.»
,8
,1

+3
..1
33.9
30.8
.8
.1

19.7
3.0
37.4
39.4
.4
.1

17.2

6.5
38.8
29.6
.6

26.9
*7.4
34.9

29.9

.1

30.5
9.0
31.1
28.3
1.0
.1

29.2
9.8
32.9
26.9
1.1

.1

30.4
8.5
32.5
27.4
1.1
.1

8.4
36.0
27.5
1.7
.1

27.3
7.5
34.4
29.1
1.6
.1

7.4
35.8
26.4
1.6
.1

30.7
7.3
33.1
27.3
1.3
.3

26.1
5.1
38.6
28.4
1.6
.2

28.5
4.8
36.6
28.5
1.4
.2

9.4
33.3
26.2
1.1

26.3

28.7

.7

25.1
5.4
38.7
28.8
1.2
.8

29
30
31
32
33
34

21.8
5.2
40.9
29.9
1.5

O T H E R R A T IO S

35. Total capital a c c o u n ts to to ta l a s s e ts
................................
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...............................................

16.3
1.3

13.3
7.2

lb 1

1*

7.9

7.6
12.4

17.8

16.7

7.0
15.9

1 Banks reporting zero amounts were excluded in computing this average, and figures are not shown where there were fe"'e‘
three banks in a group.
2 Computed on the basis of actual net losses or recoveries (after adjustments for transfers to and from reserves for bad dd>0> rather than on the 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 average of amounts reported as of December 31, 1955, June^> 1956, and September 29, 1956.

7.5
16.7

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