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

Dallas, Texas, March 28, 1966

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 1965, with comparative ratios for 1964. 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 PERA TIN G RATIO S OF MEMBER BANKS FOR THE YEARS 1965 and 19641— ELEVENTH FEDERAL RESERVE DISTRICT

Number of banks in group

$500 and under
1965
1964
3
4

$500- $1,000
1965
1964
28
33

$1,000 $2,000
1965
1964
81
85

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-$100,000 $100,000 - $250,00C Over $250,000
1965
1964
1965
1964
1965
1964
1965
1964
1965
1964
1964
1965
1965
1964
201
209
161
151
104
101
36
31
19
20
11
16
9
9

10.4
7.9
6.6
2.2

11.6
8.6
7.0
3.0

SUM M ARY RATIOS
Percentage of Total Capital Accounts:
1
2
3
4

Net current earnings.........................................................
Net income before related taxes........................................
Net income after taxes.......................................................
Cash dividends dftclarftd

8.9
-2.3
-2.8
1.2

7.4
5.6
4.2
3.5

8.7
6.0
4.8
2.3

8.5
6.6
5.1
2.2

5.09
1.05
.59

5.67
.89
.38

5.47
1.12
.60

9.9
7.4
5.7
2.5

13.0
11.1
7.8
3.1

15.2
11.6
9.0
3.7

15.1
11.6
8.6
3.8

16.7
11.9
9.2
3.5

17.0
12.5
9.3
3.5

15.1
10.7
8.4
3.9

13.1
9.8
6.8
3.5

17.3
13.6
8.7
3.9

17.1
12.3
7.9
3.4

15.6
11.7
8.2
4.2

15 4
11.5
7.2
4.3

14.6
12.1
8.1
4.5

16 0
13.4
8.3
4.5

1
2
3
4

Percentage of Total Assets:
5
6

Total operating revenue.....................................................
Net current earnings.........................................................

5.48
1.20
-.33

5.69
1.26
.76

5.53
1.19
.66

5.28
1.18
.70

4.99
1.31
.78

5.10
1.28
.76

4.84
1.28
.73

5.27
1.26
.68

5.09
1.28
.72

4.73
1.09
.62

4.44
1.02
.52

4.49
1.22
.62

4.41
1.21
.56

4.40
1.19
.60

4.40
1.21
.57

3.90
1.20
.67

3.89
1.28
.66

5
6
7

SOURCES AND DISPOSITIO N OF EARNINGS
Percentage of Total Operating Revenue:
8. Interest and dividends on:
a U.S. Government securities..........................................
b. Oth*r ftftcnritiftft
.......... . .... .. ......... .......

8
20.3
.5
71.8
7.4
100.0

12. Service charges on deposit accounts (Included in item 10) 2.
13 Trust department revenue (Included in item 10)2........

45.9
1.6
15 Pension, hospitalization, social security taxes, etc............
16 Interest on time and savings deposits _............................
6.4
17 Net occupancy expensi* o f bank prem ises
7.2
18. All other expenses............................................................. 16.9
19.
Total operating expenses........................................ 78.0
20 Net current earnings......................................................... 22.0
21. Net recoveries (losses— ) 3................................................ -25.3
22 Net decrease (increase — ) in valuation reserves.............
23 Taxes on net income.........................................................
1.4
24 Net income after taxes
.
-4.7

43.3
1.6
8.9
6.8
20.2
80.8
19.2
-4 .3
3.9

11.0

16.7
2.2
72.2
8.9
100.0
6.0

17.6
5.2
67.9
9.3
100.0

7.1

18.1
.5
76.6
4.8
10 All other revenue...............................................................
XI
Total operating revenue.......................................... 100.0

15.4
3.5
70.8
10.3
100.0

37.7
1.7
11.9
8.8
21.7
81.8
18.2
-5.1
—.4
3.0
9.7

37.5
1.6
9.4
7.1
23.2
78.8
21.2
—
4.8
-.3
41
12.0

17.4
7.7
65.3
9.6
100.0

6.3

18.8
5.3
66.5
9.4
100.0
6.8

35.2
1.5
13.5
6.6
20.4
77.2
22.8
-4.0
-1.3
3.1
14.4

34.9
1.6
13.1
6.9
20.2
76.7
23.3
-3 .2
—
2.2
4.3
13.6

30.8
1.8
18.4
6.0
19.3
76.3
23.7
-4.3
-1.2
3.6
14.6

7.0

19.6
8.5
63.2
8.7
100.0
6.2
.2
31.3
1.9
16.0
5.7
17.7
72.6
27.4
—4.4
-1 .4
5.1
16.5

17.4
9.3
63.6
9.7
100.0
7.0
2

27.8
2.1
22.2
5.5
16.9
7425
25.5
-4.0
-1.2
4.8
15.5

19.6
9.4
61.4
9.6
100.0
7.1
.1
28.1
2.0
20.8
5.4
16.7
73.0
27.0
-3 .5
-2 .1
5.7
15.7

13.1
9.0
66.9
11.0
100.0
7.6
.5

25.5
2.3
25.8
5.6
16.9
76.1
23.9
-4.9
-2.1
4.0
12.9

14.7
9.1
64.8
11.4
100.0
8.0
.5
26.4
24
23.5
5.4
17.0
74.7
25.3
-4 .9
-1 .5
4.7
14.2

14.3
9.1
66.0
10.6
100.0
5.7
1.8

23.8
2.7
29.3
5.5
15.7
77.0
23.0
-3.6
-2.7
3J>
13.2

16.6
8.3
65.3
9.8
100.0
5.6
2.0
25.0
2.8
27.4
5.5
16.3
77.0
23.0
-3 .5
-2 .2
5.4
11.9

16.0
6.3
66.8
10.9
100.0
4.7
2.8

22.8
3.1
25.6
4.5
16.9
72.9
27.1
-4.2
-1.6
7.6
13.7

16.4
5.8
68.2
9.6
100.0
4.4
2.6
23.3
3.4
23.3
4.9
17.5
72.4
27.6
—
4.7
-2 .6
7.3
13.0

13.3
7.1
70.6
9.0
100.0
4.2
2.8

21.8
3.1
27.4
5.0
15.5
72.8
27.2
-3.7
—3.4
6.3
13.8

14.4
6.4
69.6
9.6
100.0
4.5
2.9
23.7
3.0
24.2
5.2
16.1
72.2
27.8
-2 .9
-3 .4
8.3
13.2

15.1
7.1
68.9
8.9
100.0
1.4
4.8

15.9
2.4
31.0
2.6
17.0
68.9
31.1
-2.5
-2.2
9.0
17.4

16.6
6.4
68 7
83
100 0
2.5
4.7
16.8
2.5
29.0
2.4
16.2
66.9
33.1
—1.8
—3.4
108
17.1

b
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24

RATES OF EARNINGS ON SECURITIES AND LOANS
Percentage of Securities:
25. Interest and dividends on U.S. Government securities......
26 Interest and dividends on other securities.......................
27. Net recoveries and profits (losses — ) on securities3..........

3.90
5.74

4.47
6.06

4.09
4.95
.01

3.63
5 02

4.11
4.07
-.09

4.15
4.08
.01

4.17
3.41
.01

4.05
3.44
-.0 1

4.22
3.22
-.04

3.96
3.12
.02

4.20
3.13
-.05

3.84
3.00
.03

3.93
3.12
-.12

3.58
2.96
-.0 6

3.95
3.06
.02

3.67
2.90
.07

3.90
3.19

3.64
2.90
—.01

3.45
3.42
-.12

3.30
3.41
—.17

25
26
27

8.88
-2.00

7.76
-.3 4

8.27
-.60

8.17
-.6 8

7.95
-.45

7.93
-.3 9

7.63
-.45

7.55
-.4 1

7.34
-.40

7.26
-.3 6

7.29
-.41

7.21
-.4 8

6.55
-.27

6.37
-.2 4

6.18
-.29

6.13
-.2 4

5.93
-.27

5.96
-.2 2

5.43
-.11

5.55
-.1 3

28
29

21.8
.5
49.2
27.5
.7
.3

23.4
.4
47.5
27.9
.6
.2

20.6
3.4
46.9
26.4
2.4
.3

23.4
3.5
44.9
26 2
19
.1

20.1
7.4
47.5
23.0
1.9
.1

22.8
7.4
44.6
23.3
1.8
.1

20.4
11.5
45.4
20.3
2.2
.2

22.8
12.5
42.1
20.5
1.9
.2

19.9
14.1
44.7
19.1
2.0
.2

22.7
14.2
41.7
19.4
1.9
.1

16.2
15.1
48.6
17.7
2.1
.3

18.9
15.0
46.1
17.7
2.0
.3

17.4
13.7
47.9
18.3
2.4
.3

20.2
12.5
45.8
18.6
2.6
.3

17.7
9.4
49.0
21.1
2.3
.5

19.6
8.6
49.1
20.3
2.2
.2

15.0
10.0
52.4
19.6
2.4
.6

17.1
9.6
51.2
18.9
2.5
.7

16.2
8.3
49.5
22.7
2.2
1.1

18 5
7.5
48.2
22.5
2.2
1.1

30
31
32
33
34
35

15.8

15.5

16.1

16.8

14.5

14.3

11.1

10.8

8.6

8.6

7.8

7.9

7.6

8.2

7.1

7.1

7.9

8.2

8.2

8.0

36

34.2
18.9
13.5

34.2
18.5
16.1
3.63

30.6
21.1
20.7
3.89

35.8
21.7
16.5
3.88

26.7
17.9
24.6
3.62

27.8
17.2
22.6
3.57

19.2
12.7
28.6
3.76

19.7
12.3
25.4
3.56

15.1
9.5
32.1
3.81

16.0
9.4
30.5
3.61

12.0
8.6
39.0
3.78

12.7
8.7
36.7
3.54

12.0
8.3
39.8
3.80

13.7
9.1
36.7
3.64

11.9
7.8
33.7
3.72

12.0
7.9
32.8
3.44

12.2
8.8
35.7
3.77

12.8
9.2
34.8
3.41

13.6
9.4
36.0
3.83

13.8
9.1
34.7
3.68

37
38
39
40

Percentage of Total Loans (Net):
29

Net recoveries (losses — ) on loans3................................

DISTRIBUTION OF TOTAL ASSETS
Percentage of Total Assets:
30. U.S Government securities................................................
31. Other securities.................................................................
33. Cash assets........................................................................
34. Real estate assets...............................................................
35. All other assets...................................................................

OTHER RATIOS
36 Total capital accounts to total assets................................
37. Total capital accounts to total assets less
Government securities and cash assets...................
38. Total capital accounts to total deposits..............................
39. Time deposits to total deposits..........................................
40. Interest on time deposits2..................................................
For notes see back page.

NOTES FOR TABLE
lEach of the 1965 ratios represents an average of the ratios of individual banks com­
puted from data taken from reports of condition as of December 31, 1964, and June 30,
1965, and from reports of income and dividends for the year 1965. Figures used as a
basis for the 1964 ratios are averages of amounts taken from reports of condition as
of December 20, 1963, and June 30, 1964, and from reports of income and dividends for
the year 1964.
2Banks reporting zero amounts were excluded in computing this average, and figures are
not shown where there were fewer than three banks in a group.
3Computed on the basis of actual net losses or recoveries (after adjustments for trans­
fers to and from reserves for bad debts), rather than on the basis of figures furnished
on the face of the Report of Income and Dividends.
NOTE: Details may not add to totals because of rounding.

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