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F ederal reserve Bank DALLAS. TEXAS of Dallas 75222 Circular No. 79-213 December 27, 1979 OPERATING RATIOS OF COMMERCIAL BANKS ELEVENTH FEDERAL RESERVE DISTRICT To all Member Banks in the Eleventh Federal Reserve District: There i presented on the inside pages of this letter the annual statement s of operating ratios of commercial banks in the Eleventh Federal Reserve District for 1978. Enclosed in the statement sent to the chief executive officer of your bank i s a separate tabulation giving the 1978 operating ratios for your bank. Additional copies of this report are available upon request. Sincerely yours, Ernest T. Baughman President Enclosure This publication was digitized and made available by the Federal Reserve Bank of Dallas' Historical Library (FedHistory@dal.frb.org) OPERATING RATIOS OF COMMERCIAL BANKS FOR THE YEAR 1978— ELEVENTH FEDERAL RESERVE DISTRICT BANKS WITH AVERAGE DEPOSITS (In thousands of dollars) $10,000$25,000$50,000$100,000$25,000 $50,000 $100,000 $500,000 Under $5,000 Number of banks in group $5,000$10,000 159 283 545 303 149 85 13 8.17 7.16 12.40 12.32 14.82 14.47 14.96 15.70 16.89 16.80 15.94 15.94 15.54 15.36 1 2 30.36 28.47 24.69 28.45 27.11 28.49 38.57 3 7.96 2.15 2.56 .02 .58 1.84 7.18 .76 .75 8.45 1.89 2.96 .03 .56 1.62 7.12 1.08 1.08 8.43 1.67 3.19 .04 .49 1.48 6.90 1.22 1.22 8.32 1.53 3.33 .08 .45 1.38 6.80 1.20 1.20 8.24 1.41 3.44 .11 .44 1.25 6.65 1.22 1.21 8.07 1.24 3.48 .42 .38 1.14 6.68 1.07 1.07 7.94 1.02 2.75 .99 .30 .97 6.75 .90 .89 4 5 6 7 8 9 10 11 12 14.78 3.22 .46 56.69 10.61 14.24 100.00 16.24 5.33 .40 61.11 6.98 9.94 100.00 25.72 33.15 .20 .03 7.11 4.10 18.61 88.92 11.08 10.21 -.12 10.19 22.49 35.18 .32 .09 6.77 4.13 14.55 83.53 16.47 13.53 -.15 13.36 11.53 7.89 .45 62.87 5.63 11.63 100.00 .04 19.82 38.22 .40 .12 5.81 3.87 13.24 81.48 18.52 14.76 -.15 14.71 10.90 7.70 .33 64.85 4.32 11.90 100.00 .12 18.43 40.33 .74 .20 5.45 3.47 13.13 81.75 18.25 14.57 -.10 14.58 9.64 9.24 .47 66.10 3.99 10.56 100.00 .51 17.20 41.92 1.06 .28 5.35 3.11 11.82 80.74 19.26 14.84 -.10 14.77 10.84 9.99 .28 66.04 4.60 8.25 100.00 1.62 15.53 43.43 4.94 .40 4.74 2.58 11.12 82.74 17.26 13.40 -.13 13.37 6.63 7.10 .18 66.04 4.69 15.36 100.00 2.94 12.88 34.71 11.91 .69 3.55 2.72 18.57 85.03 14.97 11.42 -.12 11.30 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 6.90 6.41 7.68 7.24 5.78 9.32 7.32 5.45 11.97 7.26 5.06 7.03 7.17 5.03 7.02 7.18 5.08 6.28 7.15 4.96 6.58 33 34 35 10.03 -.77 10.32 -.66 10.23 -.47 10.21 -.46 10.24 -.31 10.25 -.28 10.26 -.15 36 37 15.26 11.36 6.51 4.61 .51 57.28 2.91 1.56 13.05 10.98 6.77 8.21 .47 57.14 2.30 1.08 11.55 8.92 5.80 12.66 .45 57.35 1.99 1.28 11.18 8.30 5.01 14.58 .37 56.80 2.17 1.59 11.29 7.23 4.79 14.95 .62 57.07 2.18 1.87 12.35 10.10 3.27 13.72 .32 56.56 2.23 1.45 18.69 7.84 .99 11.49 .26 55.72 1.91 3.10 38 39 40 41 42 43 44 45 14.37 14.85 17.89 30.06 17.05 5.78 16.04 15.39 19.96 32.97 11.78 3.86 20.53 10.78 23.45 32.31 9.03 3.90 22.77 8.76 25.80 32.24 6.60 3.83 26.23 3.80 31.36 30.15 6.24 2.22 20.93 3.63 35.37 26.35 7.75 5.97 16.90 .81 43.34 14.30 8.71 15.94 46 47 48 49 50 51 12.65 54.38 9.83 55.68 8.66 58.30 8.15 59.83 7.72 60.27 7.21 61.47 6.59 56.61 5.47 4.05 12.46 9.70 5.90 6.54 12.75 10.28 6.06 6.88 14.41 10.16 6.18 7.05 18.77 10.13 6.32 7.32 17.27 10.14 6.53 7.35 20.09 10.14 6.93 7.70 20.92 9.39 Over $500,000 PROFITABILITY Percentage of Equity Capital: 1. Income after taxes and before securities gains or losses'.................................................................... 2. Net income............................................................................................................................................... Percentage of Net Income: 3. Cash dividends paid................................................................................................................................ SOURCES AND DISPOSITION OF INCOME Percentage of Total Assets:2 4. Total operating income............................................................................................................................ 5. Salaries, wages and fringe benefits........................................................................................................ 6. Interest on deposits ................................................................................................................................ 7. Interest on borrowed money and subordinated notes and debentures................................................ 8. Net occupancy expense of bank premises............................................................................................. 9. All other operating expenses.................................................................................................................. 10. Total operating expenses........................................................................................................................ 11. Income after taxes and before securities gains or losses'.................................................................... 12. Net income............................................................................................................................................... Percentage of Total Operating Income: 13. Interest on U.S. Treasury securities and obligations of other U.S. Government agencies and corporations...................................................................................................................... 14. Interest on obligations of states and political subdivisions.................................................................. 15. Interest and dividends on all other securities....................................................................................... 16. Interest and fees on loans........................................................................................................................ 17. Income on Federal funds sold and securities purchased to resell........................................................ 18. All other operating income...................................................................................................................... 19. Total operating income............................................................................................................................ 20. Trust Department income (included in item 19)3 ................................................................................... 21. Salaries and employee benefits.............................................................................................................. 22. Interest on deposits ................................................................................................................................ 23. Interest on borrowed money .................................................................................................................. 24. Interest on subordinated notes and debentures..................................................................................... 25. Net occupancy expense of bank premises............................................................................................. 26. Provision for loan losses.......................................................................................................................... 27. All other operating expenses.................................................................................................................. 28. Total operating expenses........................................................................................................................ 29. Income before income taxes and securities gains or losses'................................................................ 30. Income after income taxes and before securities gains or losses'........................................................ 31. Net securities gains ( + ) or losses ( - ), after tax effect........................................................................ 32. Net income............................................................................................................................................... — — RATE OF RETURN ON SECURITIES AND LOANS Return on Securities:3 '4 33. Interest on U.S. Treasury securities and obligations of other U.S. Government agencies and corporations...................................................................................................................... 34. Interest on obligations of states and political subdivisions.................................................................. 35. Interest and dividends on all other securities....................................................................................... Return on Loans (excluding unearned income and Federal funds sold):2 36. Interest and fees on loans........................................................................................................................ 37. Net losses ( - ) or recoveries ( + ) on loans............................................................................................. DISTRIBUTION OF TOTAL ASSETS Percentage of Total Assets:2 38. Cash assets............................................................................................................................................... 39. U.S. Treasury securities4 ........................................................................................................................ 40. Securities of other U.S. Government agencies and corporations4........................................................ 41. Obligations of states and political subdivisions4 ................................................................................... 42. All other securities4 ................................................................................................................................ 43. Net loans including Federal funds sold2................................................................................................. 45. All other assets......................................................................................................................................... DISTRIBUTION OF LOANS AT DOMESTIC OFFICES Percentage of Gross Loans:2 46. Real estate loans .................................................................................................................................... 48. Commercial and industrial loans............................................................................................................ 49. Consumer loans to individuals2 .............................................................................................................. 50. Federal funds sold with agreements to repurchase............................................................................... OTHER RATIOS 53. Time and savings deposits to total deposits (domestic offices)2............................................................ 54. Interest on time and savings deposits to total time and savings deposits 52 53 54 55 56 57 NOTES FOR BANKS Each of the 1978 ratios represents an average of the ratios of individual banks computed from data taken from Call Reports of Condition as of March 31, 1978; June 30, 1978; September 30,1978: and from Consolidated Reports of Income for the year 1978. For those banks having foreign opera tions, the reports consolidating foreign and domestic subsidiaries were used in the calculation of these ratios. In all other cases, the reports consolidating domestic subsidiaries only were used in the computations. 1 Excludes minority interest in operating income, if any. 2 Excludes deposits accumulated for payment of personal loans. 3 Banks reporting zero amounts were excluded in computing this average. Figures are not shown where there were fewer than three banks in a group. 4 Excludes trading account securities. s Includes subordinated notes and debentures, but excludes valuation reserves and deferred tax reserves. * Excludes Federal funds sold, but includes unearned income and valuation reserves. NOTE: Details may not add to totals because of rounding. Prepared by Statistical Department Federal Reserve Bank of Dallas
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