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FEDERAL RESERVE BANK O F DALLAS Dallas, Texas, March 26, 1958 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 1957, with comparative figures for 1956. Each of the 1957 ratios represents an average of the ratios of individual banks computed from data taken from reports of condition as of December 81, 1956, June 6, 1957, and October 11, 1957, and from reports of earnings and expenses for the year 1957. 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) OPERATING RATIOS OF MEMBER BANKS FOR THE YEARS 1957 and 1956 — ELEVENTH FEDERAL RESERVE DISTRICT B A N K S W IT H A V E R A G E D E P O S IT S (In thousands o f dollars) Y ou r bank 1957 1956 N u m ber o f banks in group $2,000 $ 2 ,000 1956 44 1957 110 1957 210 11.2 11.1 12.6 12.9 8.0 6.6 10.2 6.1 2.8 4.8 2.3 9.8 7.3 3.2 $500 and under $ 5 0 0 - $1 ,000 1957 1956 1957 1956 13 11 42 8.0 10.3 7.0 4 .8 2.8 8.0 6.6 $1 ,000 114 $5,000 $5 ,0 0 0 - $1 0,00 0 $ 1 0 ,0 0 0 - $25,000 $ 25,000 $50,000 $ 5 0 ,0 0 0 4 1 0 0 ,0 0 0 O ver $100 ,0 0 0 1956 1957 1956 1957 1956 1957 1956 1957 1956 1957 209 132 131 64 63 22 22 20 19 14 14 18.5 12.7 17.9 1 14.8 2 8.6 8.3 6.1 18.1 16.5 9.4 18.2 7.8 17.4 14.1 8.4 17.9 8.5 8 .4 3 3.4 3.2 3.1 16.2 12.8 7.8 3.3 18.6 13.4 3.3 4.0 3.7 4.2 4.1 4 3.34 3.44 1.19 .58 3.17 3.31 1.35 .70 2.97 5 1.24 6 .57 7 1956 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 t a l C a p it a l A c c o u n t s 2. Profits b e fo re in com e taxes.............................................................. 3. Net profits................................................................................................ 4. Cash dividen ds declared......................................... .......... ................ 2.4 14.9 17.0 18.3 11.3 3.2 3.6 3.6 12.8 8.7 3.6 12.7 7.6 14.3 11.2 8.4 3.68 1.22 .71 3.48 3.67 3.52 3.87 3.56 1.22 1.23 .63 1.25 1.22 .50 1.14 8.4 14.4 11.3 P e rce n tag e of T o ta l A sse ts 5. Total earn in gs........................................................................................ 4.11 4.12 4.12 3.90 Net current earnings b e fo re in com e taxes................................. 1.43 Net profits............................................................................................... 1.35 .73 1.29 7. 1.14 .65 3.73 1.28 3.54 6. .56 .76 .74 .90 1.23 .69 .58 .54 3.61 1.12 .54 1.24 .56 1.12 .39 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 t a l E a rn in g s 17.9 4.8 16.8 22.8 21.2 5.1 5.3 5.3 69.2 8.1 69.8 63.7 8.2 100.0 65.5 7.9 17.4 2.6 13.0 ................ .......... 10. Earnings on loans ....................................................................................................................................................... 71 .7 77.6 11 . O ther current earn ings...... .............. ......... ............................................. 8.3 100.0 8. Interest on U. S. G overnm ent securities.................................... 9. Interest and dividen ds on other securities T otal earnings.......................................................................... 100.0 1.5 8.3 100.0 100.0 100.0 13. S ervice charges on deposit accounts ( I n c lu d e d in item 11 ) 1.. 4 .6 4 .7 5 .0 5 .0 14. lf>. Trust departm ent earnings ( I n c lu d e d in item 1 1 J 1................ Salaries and w ages........... ....... ......... ........................................... — — — 12. 16. Interest on tim e deposits 17. Other cu rren t expenses..................................................................... 18. T otal expenses.......................................................................... 19. Net current earninffs b e fo re in com e taxes................................ 20. 21. A ctual net losses (recov eries - j - ) .................................................. Net increase (decrease - ) - l i n valuation reserves . _____ 22. Taxes on net. in com e ............... 23. ........ ....... ....................... ................. Net profits................................................................................................ 100.0 4 5 .7 2.3 25.7 7 3 .7 26 .3 3 .8 6.9 15.6 8.0 100.0 5 .0 — 5.3 .9 — 40.3 38.2 38.6 37.3 37.4 .3 4.1 25.3 3.1 25.6 4.0 24.4 24.5 27.0 6 7 .6 3 2 .4 8.6 5.3 18.5 3.0 64.9 32.7 65.7 34.3 8.1 5.6 6.6 4.2 1.2 7.0 20.5 .2 67.6 3 2 .4 6.2 67.3 2.1 5.9 18.2 5.7 14.7 35.1 6.9 21.4 23.7 7.3 22.7 24.3 6.5 22.6 6.6 18.4 6.3 18.1 6.6 59.1 9.9 100.0 60.9 58.4 59.5 60.4 61.1 9.8 10.8 11.3 15.2 100.0 100.0 100.0 6.2 1.0 100.0 6.9 1.2 14.9 100.0 6.5 1.8 6.1 1 .0 36.3 31.1 3.4 31.1 12.2 25.3 6.4 1.4 36.0 5.3 24.9 66.2 24.5 64.2 33.8 5.2 35.8 1.8 6.8 20.0 1.4 6.7 7.3 20 .4 7.3 5.6 100.0 8 .6 1.2 9.2 1.4 33.6 34.0 32.6 34.2 7.5 24.6 65.7 5.1 24.5 10.4 25.4 68.4 26.7 63.6 34.3 5.5 36.4 2.6 8.5 17.7 3.0 7.7 8.4 17.3 1 .5 6.9 67 .8 31.6 7.0 32.2 3^4 8.1 13.1 2.7 5.4 8.4 15.7 20.1 5.0 21.2 19.0 4.8 19.9 4.9 60.0 59.0 63.6 63.3 14.9 100.0 14.9 12.6 100.0 12.8 68.6 31.4 3.3 2.9 10.0 15.2 6.5 25.2 62.8 37.2 5.4 2.7 12.2 16.9 5 .5 1 .5 29.4 9.0 4.0 100.0 5 .5 1 .5 30.8 6.9 26.6 65.0 26.9 35.0 2.2 4.5 11.3 17.0 35.4 64.6 6.1 18.6 4.5 16.9 62.6 14.3 100.0 64.3 2.3 3 .4 4.7 8 9 14.1 10 11 100.0 12 2.1 13 3 .3 14 22.9 12.0 24.6 24.2 15 8.6 16 25 .4 17 59.5 40.5 58.2 18 41.8 19 3.4 20 4 .4 21 10.6 2.9 .6 15.7 14.7 22 12.3 21.3 19.3 23 6 .4 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 24. Interest on XT. S. G overnm ent secu rities.............................. ....... 3 .0 9 2.59 2.70 2.66 2.87 2.63 2.82 2.60 2.71 2.46 2.64 2.37 2.58 2.39 2.51 2.34 2.55 2 .2 0 24 3.98 4.45 3.48 3.54 2.74 2.98 2.56 2.58 2.50 2.44 2.60 2.37 2.31 2.23 2.90 2.68 2.33 2.39 25 .02 .07 .08 .05 .04 .09 .15 .10 .31 .18 .19 .14 .17 .31 .20 .40 26 8.20 7.65 7.24 7.29 6.84 7.12 6.62 6.74 6.49 6.60 6.11 5.20 27 .63 .34 .41 .36 .33 .34 .26 4.99 .09 4 .6 4 .57 5.88 .14 5.61 .44 .11 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. A ctual net losses (recoveries and profits -}-) on total securities2 .................... ........ __ P e r c e n t a g e o f T o t a l L o an s 28. A ctual net losses (recoveries + ) on loans2.............................. 8.01 .35 .80 .58 .27 5.55 .16 .19 D IS T R IB U T IO N O F T O T A L A S S E T S P e rce n tag e of T o ta l A sse ts 29. U. S. G overnm ent securities........................................................... 22.9 3.3 38.7 34 .4 .6 34. A ll other assets...................................................................................... 26.5 24.4 37.5 5.9 38.1 28.6 6.5 29.6 .5 .8 .6 17.2 2.8 42.0 .1 38.8 28.5 8.7 33.5 28.4 .8 26.9 7.4 34.9 26.2 .1 25.6 1.2 .1 .1 25.8 9.3 35.9 27.1 1.8 .1 26.9 .1 .1 .1 .1 .8 29.9 29.2 26.6 1.2 .1 29.9 30.8 9.6 32.7 30.0 10.8 31.3 9.8 32.9 1.1 9.4 33.3 1.1 .1 27.3 8.0 36.5 26.3 1.8 .1 26.3 8.4 36.0 27.5 1.7 .1 25.7 6.0 39.5 26.9 1.7 .2 28.7 7.4 35.8 26.4 1.6 23.1 5.5 21.8 29 5.2 30 40.9 31 2 9 .9 32 1.6 41.4 27.4 1.6 1.5 33 .2 1.0 .7 34 26.1 5.1 38.6 28 .4 O T H E R R A T IO S . 14.5 13.9 12.1 11.7 10.3 9.9 8.7 8.4 7.5 7.0 6.9 6.6 7.1 6.8 7.0 6 .4 7.5 6.8 35 G overnm ent securities and cash assets......................... 36.2 32.8 28.5 26.5 25.7 24.5 21.3 9.7 9.8 20.3 18.4 8.2 13.8 17.2 15.0 7.4 20.4 14.8 15.7 7.7 20.8 15.8 15.1 7.6 17.2 14.4 15.1 8.2 18.6 14.2 36 7.5 37 16.7 38 3fv Total capital accounts to total assets................. ........... ..... 36. Total capital accounts to total assets less 37. Total capital accounts to total deposits........................................ 38. T im e deposits to total deposits...................................................... 17.1 4 .9 16.3 1.3 13.9 8.8 13.3 7.2 11.6 8.4 11.1 7.1 9.3 7.9 7.6 12.4 7.1 17.8 7.4 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 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 o f figures furnished on the face of the Report of Earnings and Dividends. NOTE: Balance sheet figures used as the basis for ratios are average of amounts reported as of December 31, 1956, June 6, 1957, and October 11, 1957.
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