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FEDERAL. RESERVE BANK
OF DALLAS

Dallas, Texas, March 12, 1941

OPERATING RATIOS OF MEMBER BANKS

To the Member Bank Addressed:
There is shown on the following pages a statement of operating ratios
of member banks in the Eleventh Federal Reserve District for the year
1940. This statement is similar to those mailed your bank previously cover­
ing operations for the years 1937, 1938 and 1939.
The items of assets and liabilities upon which the ratios are based
represent averages of the amounts shown on the condition reports of March
26, June 29 and December 31, 1940. The data on earnings and expenses
were derived by combining the amounts shown on the reports of earnings
and dividends for the six-month periods ended June 30 and December
31, 1940.
The banks are grouped according to the size of their deposits. The ratios
of each group are the averages of the ratios of individual banks in that
group; consequently, the data on the larger banks in a group do not have
an undue influence on the group ratios.
The ratios of your bank have been inserted in the column at the right
of the statement in order that they may be readily compared with those
of its group. It will be noted that the group in which the figures of your
bank are included is indicated by a check mark.
It is hoped that this information will be of interest and value to your
bank.

Yours very truly,
R. R. GILBERT,
President

This publication was digitized and made available by the Federal Reserve Bank of Dallas' Historical Library (FedHistory@dal.frb.org)

C A L E N D A R Y E A R 1940
A V E R A G E 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 IN T H E E L E V E N T H F E D E R A L R E S E R V E D IS T R IC T
G R O U P E D A C C O R D IN G T O SIZE O F D E P O SIT S

Groups with average deposits of
Number of banks in each group-------------

Up to
$250,000

$250,001
to
$500,000

$500,001
to
$1,000,000

$1,000,001
to
$2,000,000

89

$2,000,001 $5,000,001
Average
Over
to
to
$5,000,000 $10,000,000 $10,000,000 All Groups

47

22

34

543

119

140

%

%

%

%

%

%

%

%

80.5
9.0
4.1
6.4

71.0
15.8
5.5
7.7

66.3
18.3
6.4
9.0

63.4
21.0
7.4
8.2

58.7
23.7
7.2
10.4
2.1

55.7
23.3
7.6
13.4
1.8

55.6
23.9
5.7
14.8
2.7

67.5
17.6
6.1
8.8
2.3

36.8
2.5
4.5
5.9
20.8
70.5
29.5
10.5
19.0

38.0
2.6
4.0
5.5
20.2
70.3
29.7
.8
28.9

35.2
4.4
4.0
5.0
19.9
68.5
31.5
.3
31.2

34.1
5.3
4.5
4.8
19.4
68.1
31.9
2.2
29.7

33.1
6.3
4.9
5.0
19.9
69.2
30.8
3.3
27.5

33.3
9.2
6.0
4.5
21.7
74.7
25.3
+ -9
26.2

32.2
7.9
4.9
6.1
21.5
72.6
27.4
+ 1.2
28.6

35.4
4.4
4.4
5.3
20.2
69.7
30.3
2.6
27.7

7.6
2.8
4.8
3.5
13.4

9.0
.6
8.4
5.1
16.0

10.6
.4
10.2
5.1
17.3

11.0
1.1
9.9
5.1
18.9

10.5

1.2
9.3
4.3
24.5

8.5
.5
8.0
3.4
31.7

8.2
+ -9
8.2
3.6
31.3

9.6
1.0
8.6
4.6
18.7

.7

92

R A T IO S TO T O T A L E A R N IN G S FROM C U R R E N T
O P E R A T IO N S :

Sources o f Earnings

1.
2.
3.
4.
5.

Interest and discount on loans.................. -......
Interest and dividends on securities..............
Service charges on deposit accounts................
All other earnings ... ........
............. ........
Trust department earnings (included in item 4.

Your
Figures

%

Covers only those banks reporting trust income)

Disposition o f Earnings

6.
7.
8.
9.
10.
11.
12.
13.
14.

Salaries and wages-------------- ------- -- —Interest on time and savings deposits....Real estate taxes--- -----------------------------Other ta x e s --------------------------------All other expenses_____________________
Total current expenses---------------- ---Net earnings from current operations..
Net charge-offs (or net recoveries [ + ] )
Net addition to profits----------------------

R A T IO S T O T O T A L C A P IT A L A C C O U N T S :

15.

16.
17.
18.
19.
21.

Net earnings from current operations.-.
Net charge-offs (or net recoveries [ + ] )
Net addition to profits--- ----------------Cash dividends declared ..... ................ —
Real estate assets
..........................
a*

w a r n i n g s fro m cu rren t op era tio n s

22. Lohns _________ ___________ __
23. Securities ___________ _________
24. Real estate assets................. .................
25. Cash assets........ ........ .... ........................
26. All other assets______________________

l.f

1.5

1.4

1.2

48.5
13.7
3.0
34.7
.1

40.2
20.2
2.5
37.0
.1

36.1
22.7
2.2
38.9
.1

31.4
24.4
2.2
41.9
.1

1.0
27.8
24.9
2.7
44.5
.1

26.8
22.5
2.9
47.6
.2

.6
25.8
24.5
2.5
47.0
.2

36.6
21.2
2.5
39.6
.1

37.5

27.6

22.7

20.8

20.1

18.9

15.1

25.1

32.9
9.6
83.5

21.2
8.3
73.6

16.1
11.4
68.5

13.5
12.3
63.5

12.2
18.2
59.2

10.3
21.3
54.5

8.5
16.8
54.8

18.6
11.9
69.1

9.4
.8
1.6
8.6

8.6
.9
.8
8.7

8.1
.9
.7
8.3

7.7
.7
.7
7.7

7.2
.5
.6
7.1

6.2
.6
.6
6.2

4.8
.4
.5
4.7

8.0
.8
.9
7.9

3.4
.1
.5
.2
3.8

3.6
.1
.3
.2
3.8

3.3
.1
.5
.3
3.6

3.1
.1
.7
.6
3.3

3.1
.6
.6
.6
3.7

2.6
.3
.8
.9
2.8

2.1
.2
.7
.4
2.6

3.2
.1
.5
.3
3.5

1.8

R A TIO S TO L O A N S , S E C U R IT IE S A N D R E A L
ESTATE A S SE T S :

27. Total capital accounts.......................

R A T IO S TO T O T A L D E P O SIT S :

28. Total capital accounts______
29. Total time deposits........... .
30. Total loans and investments

R A T IO S TO T O T A L L O A N S :

Earnings and Loss Experience on Loans

31. Interest and discount on loans.............
32. Recoveries on loans.... ...... ......................
33. Losses on loans.......................................
34.
Net return on loans...__ ___________

R A T IO S T O T O T A L S E C U R IT IE S :

Earnings and Loss Experience on Securities

35.
36.
37.
38.
39.

Interest and dividends on securities.........
Recoveries on securities................ ............
Profits on securities sold...........................
Losses on securities........ ............ ........ ....
Net return on securities_____________

Explanations: The item “ net addition to profits” represents net earnings from current operations plus recoveries on loans and securities, profits on
securities sold, etc., less charge-offs on loans, securities and other assets. Net charge-offs were derived by deducting from total charge-offs the total
of recoveries on assets previously charged off and profits on securities sold. Real estate assets include bank premises owned, furniture and fixtures,
other real estate owned, and investments and other assets indirectly representing bank premises or other real estate. Cash assets include cash on
hand, balances with other banks (including the Federal Reserve Bank) and cash items in process of collection. The item “ total capital accounts”
includes capital stock, capital notes and debentures, surplus, undivided profits and reserves.

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