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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) Qii loans^..................... 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.
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