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F e d e r a l R e s e r v e B a n k OF DALLAS April 1, 1943 OPERATING RATIOS OF MEMBER BANKS To Member Banks in the Eleventh Federal Reserve District: We are pleased to present to you the operating ratios of member banks in our district for the year 1942. It will be noted that the report covers operations during the last three years. The only other important change from a year ago is that securities have been divided between Government securities and non-governmental securities (Items 30 and 31). Asset and liability items are averages of amounts taken from bank condition reports, whereas earnings and expense items are the amounts reported by banks for the full year. Although there was a substantial reduction in the volume of loans dur ing 1942, interest on loans and discounts continued to account for the major proportion of earnings. The ratios for your bank have been entered separately to enable you to study your operations for the past three years and to make comparisons with the operations of other banks of similar size. We trust that this information will be both interesting and valuable to you. Sincerely yours, R. R. GILBERT 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 1942,1941 and 1940 ELEVENTH FEDERAL RESERVE DISTRICT BANKS WITH AVERAGE DEPOSITS (in thousands of dollars) $250-$499 Under $250 1940 1941 1942 Your Bank Number of Banks $500-$999 $1,000-11,999 $2,000-14,999 $5,000-19,999 Over $10,000 All Groups 1942 1941 1940 1942 1941 1940 1942 1941 1940 1942 1941 1940 1942 1941 1940 1942 1941 1940 1942 1941 1940 1942 1941 1940 54 84 92 90 121 119 152 147 140 132 98 89 64 51 47 30 23 22 44 38 34 566 562 543 8.0 6.0 10.8 11.3 10.7 5.1 10.6 10.2 9.5 9.7 10.6 9.8 8.5 7.7 8.6 82 3.6 10 4 93 4.6 96 86 4.3 8.3 7.9 3.6 82 9.0 3.7 10.5 9.3 4.3 9.6 5.1 11.4 10.3 5.2 11.0 3.6 9.0 8.4 5.1 8.9 4.7 2.9 7.6 4.8 3.5 7.2 5,7 4.7 5.5 3.8 1.7 1.3 5.6 3.9 1.7 4.4 2.9 1.5 1.4 4.3 2.9 1.4 1.4 3.0 3.7 2.5 3.7 2.5 2.0 3.4 2.4 1.0 42 2.9 1.3 4 5 .8 43 29 14 .6 80.6 9.5 9.9 80.5 9.0 10.5 67.9 16.7 15.4 66.3 18.3 15.4 59.4 59.3 S U M M A R Y R A T IO S P e rc e n ta g e o f T o ta l C a p it a l A ccou nts 6.6 3.7 9.8 5.3 7.2 4.1 8.3 9.9 5.1 7.7 4.3 6.3 8.1 3.3 3.3 2.3 2.4 .7 2.1 .8 .9 .9 .4 .7 62.2 58.7 23.7 17.6 50.2 54.8 22.9 22.3 8.0 5.8 3.9 3.4 3.4 2.9 2.8 2.1 6.8 3.9 4.6 1 2 3 P e rc e n ta g e o f T o ta l A ssets 3.4 1.3 7. Net profits-------------------- ---- ----------------------- ---------- - --------- --------- --------- 1.2 1.1 .8 1.5 4.7 3.2 1.5 1.4 7 2 .2 72.9 14.0 13.1 71.0 15.8 13.2 3.9 2.9 1.0 4.9 3.3 1.6 3.5 66.1 2.5 1.0 .8 2.1 .9 .8 1.2 1.1 1.2 1.1 2.8 1.0 1.7 .7 .7 .5 2.2 16 .6 .4 .5 4 9 .6 55 5 1.9 1.4 2.2 16 6 .6 3.3 2.4 .9 6 .8 1.2 1.1 7 64 0 68 4 67 5 17 6 14 9 3 9 S O U R C E S A N D D IS P O S IT IO N O P E A R N IN G S P e rc e n ta g e o f T o ta l Earnings 9 80.2 9.4 Interest and dividends on securities 10.4 11. 12. 13. Total earnings................................................ -.... -........- 100 .0 100.0 100.0 100.0 100.0 100.0 4.8 Service charges on deposit accounts (In clu d ed in item 1 0 ) * - . 4 .8 *------------ * * 41.1 36.2 Trust department earnings (Included in item 1 0 ) 2.3 11.0 23.1 77.5 22.5 .3 21. Net profits________________________________________ ............................ .................. 2 2.2 2.6 5.5 24,1 68.4 31.6 7.4 24.2 4.1 14.0 13.8 18.0 15.9 100.0 100.0 100.0 100.0 - 5.5 * 7.7 # 36.3 38.0 39.2 2.6 2.7 5.8 23.5 9.5 12.2 6 .6 * 36.8 2.5 10.4 3 9 .3 20.8 24.1 70.5 29.5 10.5 19.0 79.4 3.2 12.8 6.4 2.6 68.2 6.7 * 70.3 29.7 22.6 34.0 3.5 5.8 24.1 67.4 32.6 28.9 ^ + .2 22.8 31.0 20.2 23.3 77.4 1.9 1 8.7 31.8 1.9 29.9 7.9 8.6 8.6 7.5 .9 .9 .9 .9 2 0 .6 100.0 100.0 .8 1.6 6.4 * 35.2 4,4 9.0 19.9 68.5 31.5 .3 31.2 23.3 17.3 64.5 19.8 15.7 63.4 21.0 15.6 100.0 100.0 100.0 7 .6 ❖ 8.0 24.8 ❖ 34.0 4.6 5.4 23.8 67.8 32.2 2.7 29.5 6.8 7.7 3 7.5 3.4 12.4 23.1 76.4 23.6 + 1 .2 7.4 * 34.1 5.3 9.3 19.4 20.2 21.4 17.6 19.3 100.0 100.0 55.7 23.3 21.0 100.0 100.0 22.1 100.0 100.0 2 8 .7 2 1 .7 10 0 .0 22 8 21 7 55 6 23 9 205 100.0 100.0 19.5 16.5 1 00.0 16 5 15 1 100.0 100.0 9 .0 7.4 7.2 8 .6 7.7 7.6 6 .6 5.8 5.7 7.4 6.7 6.1 3.4 2.2 2.1 2.1 1 .6 1.8 3.1 3 .2 2 .7 2.9 2.6 2 .3 33.2 5.9 5.8 25.6 70.5 29.5 33.1 6.3 9.9 19.9 69.2 30.8 3.3 27.5 3 6.0 31.9 7.0 5.8 28.9 73.6 26.4 3.6 33.3 9.2 10.5 21.7 74.7 25.3 +.9 26.2 3 4.6 31.9 32.2 7.9 3 8.2 34 5 39 58 24 5 68.7 31 3 35 4 44 97 7.2 .5 5.6 3 7 .2 5.1 12.7 2 2.4 68.1 7 7.4 31.9 22.6 .8 1.8 29.7 21.8 27.7 6.8 7.2 2.2 27.7 5.8 11.9 25.2 78.9 21.1 2 .5 18.6 22.8 5.2 6.0 11.0 3.6 8.3 26.7 72.9 27.1 21.5 72.6 27.4 22.1 .2 28 19.1 25.9 28.6 21.9 28.5 27.7 4 .2 4.8 .4 .5 7.1 7.9 80 8 .3 4.7 .5 .3 1.7 1.9 .2 2.1 .2 14.7 26.1 8 0.6 19.4 .3 1.2 + 1 2 12.5 2 3 .6 77.9 202 69 7 30 3 26 10 11 12 13 14 15 16 17 18 19 20 21 RATES O F E A R N IN G S O N L O A N S A N D S E C U R ITIE S P e rc e n ta g e o f T o ta l Loans 9.2 1.3 1.1 9.2 .9 1.4 9.4 3.7 .3 3.4 .8 1.6 1.0 .8 .8 .6 8.1 .8 .6 3.6 2.7 3.1 8.1 .4 .7 7.7 .7 .7 3.3 ,i .5 .3 2.7 2.9 3.1 37.6 > 21.3 y .v ) 36.1 2 8.7 1.5 2.0 2.2 43.7 39.0 38.9 *• 22.3 15.6 10.8 .9 .7 .6 .6 .7 .6 .6 .5 .6 2.2 2.7 3.1 6.3 .6 .6 .6 .5 2.0 .1 2.5 .4 .3 P e rc e n ta g e o f T o t a l S e c u ritie s 3.2 27. Profits on securities sold_____________________________ 28. Charge-offs on securities____ — ------------------------------- ........................................... _______ -------- -------— .6 .1 .6 .2 .2 .1 .5 .2 2.5 .1 3.5 .1 .1 .1 .1 .2 .3 9 .2 37.1 43.3 40.2 33.1 18.2 20.2 11.7 .1 .3 .1 .1 .3 .4 .1 .1 .2 .1 .3 .3 .1 .2 .6 .3 .3 .4 .6 .6 .6 30.0 27.8 .7 .1 .1 6.2 .6 .6 2.6 .3 .8 .4 .1 .8 .7 .8 .8 .9 2.5 .1 31 32 .1 .1 .2 .4 .4 .7 .4 .1 .9 .2 .3 .3 .5 .3 26.6 26.8 2 3.5 26.6 25.8 3 1 .4 37.7 36.6 25.1 22.5 2 4.9 J 24.7 24.5 'J '7} 20.4 21.2 2.9 47.6 1.9 2.5 47.0 2.2 44.3 2.4 46.1 1.7 4 4.8 2.7 45.4 43.6 39.6 2.5 39.6 14.5 18.1 11.8 14.2 15.1 8.5 16.8 21.2 8.1 23.9 17.5 11.3 25.1 18.6 11.9 1.1 1.7 1.6 1.3 .1 .8 .4 .1 22 23 24 25 26 27 28 D IS T R IB U T IO N O F ASSETS P e rc e n ta g e o f T o ta l A ssets 42.2 48.9 8.2 | 13.1 5.9 1 2.0 2.6 30. Government securities..... .............. .................. .................. 33. Cash assets_______________ ________________________ 48.5 13.7 10.8 8.3 1 1.9 2.2 41.8 36.2 26.0 41.6 35.2 3.0 34,7 3 5.5 37.5 32.9 9.6 2 7 .6 6.3 37.0 32.0 9.1 2.1 2.0 1.2 2.5 37.0 ^ 22.7 32.0 31.4 26.0 23.9 24.4 1 6 .0 ) 2.2 44.2 1.9 42.1 41.9 17.8 20.0 20.8 13.0 9.5 7.0 11.1 13.5 12.3 1.8 1.6 1.4 14.2 £ 11.3 C 1.4 C A P IT A L A N D D E P O S IT R A T IO S 34. Capital accounts to loans, securities and real estate assets— .......... ............. — 26.1 37. Interest on time deposits to tim e d eposits* . ....................... ...... — — - ..... - --------------------- 20.0 21.2 7.6 9.2 8.3 6.2 10.0 22.7 16.1 11.4 2 .1 1.8 1.2 2.0 1.8 1.4 18.9 .6 13.4 1. Excludes income taxes paid in 1942; includes income taxes in prior years. 2. Includes charge-offs on banking house, furniture and fixtures for 1942 only. 3. Total charge-offs (including those on banking house, furniture and fixtures, etc., as well as on loans and securities) less profits on securities sold and reco\<-'ies 01 1941 and 1942 only, sec footnote 2 for variation. * Banks reporting zero amounts were excluded in computing this average and figures are not shown where there were fewer than 3 banks in a group. N ote; Balance sheet figures used as a basis for ratios are averages of amounts reported December 31, 1941, April 4, Juno 30 and December 31, 1942. 23.3 24.9 4 5 .7 2.3 44.3 2.7 44.5 16.2 19.3 11.6 20.1 12.2 11.2 16.2 1.5 1.4 10.6 1.6 \ 22.0 19.4 £ 11.5 j 2.2 8.4 10.2 18.2 14.8 20.5 18.9 10.3 21.3 1.3 1.1 1.1 1.3 6.9 12.2 .9 8.2 15.8 .9 9 .4 ) 13.7 29 30 31 32 33 34 35 36 37
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