View PDF

The full text on this page is automatically extracted from the file linked above and may contain errors and inconsistencies.

F ederal r eser ve Bank
O F DALLAS

Dallas, Texas, March 31, 1961

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 state­
ment of operating ratios of member banks in the Eleventh Federal Reserve
District for 1960, with comparative figures for 1959. Each of the 1960
ratios represents an average of the ratios of individual banks computed
from data taken from reports of condition as of December 31,1959, June 15,
1960, and October 3, 1960, and from reports of earnings and expenses for
the year 1960. 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 of Dallas' Historical Library (FedHistory@dal.frb.org)

O P E R A T IN G R A T IO S O F M E M B E R B A N K S FO R T H E YEA R S I9 6 0 a n d 1959 — E LE V E N TH FEDERA L RESERVE D IS T R IC T

Your bank
1960
1959
Number of banks in group
SUMMARY RATIOS
Percentage of Total Capital Accounts
1 Net current earnings before income taxes ...........-.......
2. Profits before income taxes.........................................
.3 Net profits...........
.
4. Cash dividends declared..............................................
Percentage of Total Assets
.............
..................
5. Total earnings.......
6. Net current earnings before income taxes......................
7. Net profits.................................... ............................
SOURCES AND DISPOSITION OF EARNINGS
Percentage of Total 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.................................................. 100.0
13. Service charges on deposit accounts (Included in item 11)'^
14. Trust department earnings (Included in item 11)^...........
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 -j-) _......................... .....
21. Net increase (decrease -p) in valuation reserves.............
22. Taxes on net income...................................................
23. Net profits.................................................................
RATES OF EARNINGS ON SECURITIES AND LOANS
Percentage of U. S. Government Securities
24. Interest on U. S. Government securities..........................
Percentage of Other Securities
25. Interest and dividends on other securities......................
Percentage of Total Securities
26. Actual net losses (recoveries and profits + )
on total securities^............................................
Percentage of Total Loans
27. Earnings on loans............ . ............ ................ ...........
28. Actual net losses (recoveries -p) Q loans^.....................
ii
DISTRIBUTION OF TOTAL ASSETS
Percentage of Total Assets
29. U. S. Government securities................................ . .....
30. Other securities................................ —
........................
31. Loans ......................................................................
32. Cash assets................................ ..............................
33. Real estate assets.......................................................
34. 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....................................

$500 and under
1960 1959
6
8
8.4
6.3
3.8
3.2
5.11
1.28
.55

11.9
10.8
8.6
3.2
4.78
1.59
1.17

13.9
.4
78.7
7.0
100.0
100.0
3.2
_
43.6
2.4
29.1
75.1
24.9
6.8

13.1
.7
80.6
5.6
100.0
3.1
__
42.4
.6
26.0
69.0
31.0
3.1

7.6
10.5

6.3
21.6

$500- $1,000
1960
1959
33
32
10.5
8.3
5.9
2.3
4.61
1.35
.78
21^
4.0
67.5
7.0
100.0
4.1
—
39.7
4.1
27.0
70.8
29.2
4.5
.9
6.7
17.1

10.7
9.4
7.1
2.8
4.27
1.27
.84
20.0
2.7
68.5
8.8
100.0
4.7
—

39.6
4.4
27.5
71.5
28.5
3.0
.4
6.3
18.8

BANKS WITH AVERAGE DEPOSITS (In thousands of dollars)
$1,000- $2,000 $2,000 - $5,000 $5,000 -$10,000 $10,000 -$25,000 $25,000 -$50,000 $50,000-$100,000 Over $100,000
1960
1959 1960
1959 1960
1960
1959
1959 1960
1959 1960
1959 1960
1959
207
141
103
100
209
69
142
68
26
26
18
19
17
17
13.7
11.9
9.1
3.4
4.46
1.45
.97
22.1
8.4
60.2
9.3
100.0
6.0
.8
35.6
7.2
24.1
66.9
33.1
3.7
.2
6.9
22.2

13.1
11.3
8.8
3.5
4.09
1.32
.88
20.4
7.2
63.5
8.9
100.0
5.9
.8
35.7
7.2
24.5
67.4
32.6
3.3
.9
6.5
21.9

15.2
12.1
8.9
3.5
4.31
1.41
.83

15.1
12.7
9.6
3.7
3.91
1.30
.82

17.8
14.0
10.2
3.5
4.41
1.42
.82

23.7
9.3
57.6
9.4
100.0
6.3
.2
33.3
8.7
24.6
66.6
33.4
4.8
1^
7.1
20.0

22.9
8.9
58.6
9.6
100.0
6.1
—
33.8
7.9
24.7
66.4
33.6
3.5
1.6
7.1
21.4

22.8
9.0
56.9
11.3
100.0
7.5
1.2
31.2
11.5
24.7
67.4
32.6
3.7
2.5
7.2
19.3

17.4
12.7
9.0
3.5
4.05
1.31
.69
22.2
8.4
57.9
11.5
100.0
7.9
1.5
31.8
10.6
24.6
67.0
33.0
6.2
2.1
7.2
17.5

19.0
13.9
9.2
3.3
4.52
1.41
.69
17.7
7.2
60.8
14.3
100.0
9.8
.7
30.6
13.1
25.2
68.9
31.1
6.0
1.9
7.8
15.3

18.4
12.0
7.5
3.3
4.16
1.27
.52
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

17.8
16.3
10.3
3.7
4.36
1.36
.81
19.6
5.7
59.1
15.6
100.0
6.4
2.8
27.9
13.8
27.2
68.9
31.1
.2
1.7
10.4
18.9

17.9
13.6
8.3
3.4
4.07
1.28
.58
19.6
6.0
58.4
16.0
100.0
6.3
3.6
28.7
13.0
26.9
68.6
31.4
6.2
2.0
8.9
14.3

19.0
13.1
8.2
3.4

18.1
10.9
5.6
3.8

3.96
1.34
.60
17.1
4.0
66.9
12.0
100.0
5.4
1.7
27.2
11.8
27.3
66.3
33.7
5.5
3.9
9.0
15.3

3.73
1.25
.39
19.1
4.4
64.5
12.0
100.0
5.4
1.9
27.2
12.3
26.9
66.4
33.6
8.9
3.8
10.4
10.5

19.1
18.0
9.9
4.2
3.92
1.55
.80
15.9
4.6
65.6
13.9
100.0
3.0
3.3
21.8
13.7
25.0
60.5
39.5
1.9
.4
16.6
20.6

18 9
15 3
87
4.3
3 73
1 45
.67
17 8
48
63 5
13 9
100.0
3.0
32
22 1
13 8
25 0
60 9
39 1
65
.4
14 4
17.8

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23

3.27

3.10

3.51

3.08

3.62

3.09

3.69

3.19

3.65

3.06

3.32

2.97

3.16

2.80

3.18

2.97

2.85

2.72

24

3.65

3.44

4.10

3.61

3.73

2.96

3.08

2.82

2.91

2.61

2.97

2.66

2.83

2.75

2.40

2.28

3.40

2.75

25

+.06

.04

+.01

.07

.01

.19

+.04

.32

+.10

.42

+.26

.47

+.09

.77

+.02

.69

26

8.37
.64

7.51
.26

7.68
.43

7.35
.24

7.35
.41

7.07
.09

7.17
.39

6.99
.18

6.91
.54

6.75
.16

6.53
.18

6.28
.11

5.93
.34

5.68
.18

5.65
.19

5 41
.07

27
28

-

8.62
.71

8.00
.15

18.8
.8
46.4
33.1
.8
.1

18.6
1.4
40.5
38.6
.9

26.7
4.7
38.0
29.7
.9

27.4
3.5
38.8
29.2
1.0
.1

26.1
10.3
35.6
26.8
1.1
.1

25.8
10.1
35.7
27.3
.9
.2

26.7
12.9
34.2
24.7
1.4
.1

27.7
12.5
33.3
25.2
1.2
.1

26.3
13.0
35.7
23.3
1.6
.1

27.6
12.5
34.4
24.0
1.4
.1

23.5
10.7
40.4
23.3
1.9
.2

25.2
10.7
37.4
24.7
1.8
.2

25.8
8.7
39.9
23.0
2.3
.3

27.2
9.0
38.4
23.2
1.9
.3

21.4
7.3
44.7
24.3
2.0
.3

23.9
7.6
42.5
23.8
1.9
.3

21.1
6.2
45.3
24.6
1.9
.9

23 2
63
43 4
24 5
19
.7

29
30
31
32
.33
34

15.8

13.4

13.0

12.4

11.1

10.3

9.5

8.9

8.2

7.7

7.7

7.1

7.9

7.4

7.3

7.0

8.2

7.8

35

34.0
19.1
7.1

32.1
15.6
2.0

31.4
15.1
8.2

30.0
14.3
8.6

24.8
12.6
13.2

23.1
11.6
13.0

20.7
10.6
15.6

19.8
9.8
13.7

17.3
9.0
20.5

16.8
8.4
18.7

15.0
8.5
25.7

14.8
7.7
23.6

15.9
8.7
25.3

15.6
8.1
23.7

13.6
8.0
22.4

13.7
7.8
21.1

15.2
9.2
23.8

15 0
87
23.1

36
37
38

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 of 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: 1. Balance sheet figures used as the basis for ratios are averages of amounts reported as of December 31, 1959, June 15, 1960, and October 3, 1960. 2. Details may not add to totals because of rounding.

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