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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
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