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Federal reserve Ba n k of Dallas DALLAS, TEXAS 7 5 2 2 2 Circular No. 74-104 April 30, 1974 OPERATING RATIOS OF MEMBER BANKS ELEVENTH FEDERAL RESERVE DISTRICT To All Member Banks in the Eleventh Federal Reserve District: The annual statement of operating ratios of member banks in the Eleventh Federal Reserve District is shown in the inside pages of this release reflecting the 1973 data compared to that of 1972. Of particular note is the increase in net income as a percent of Equity Capital. A separate tabulation giving the relevant ratios for your bank have been enclosed in the statement sent to the chief executive officer of your bank. Additional copies of this report are available upon request. Yours very truly, P. E. Coldwell 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 MEMBER BANKS FOR THE YEARS 1973 AND 1972 — ELEVENTH FEDERAL RESERVE DISTRICT ! Num ber of banks in group U nder $5,000 1972 1973 93 110 $5,000-110,000 1972 1973 122 139 BANKS W ITH AVERAGE DEPO SITS (In thousands of dollars) $50,000$100,000 $10,000-125,000 $25,000-$50,000 1972 1972 1972 1973 1973 1973 39 234 222 42 90 66 $100,000-$500,000 1972 1973 35 36 Over $500,000 1972 8 1973 9 PROFITABILITY P ercen tag e of Equity C a p ita l Including All Reserves: 12.52 12.51 9.05 9.30 14.62 14.53 10.76 11.12 14.46 14.63 11.96 12.86 13.76 13.93 12.13 12.62 12.58 12.57 11.36 11.78 10.95 10.83 10.01 10.24 11.94 11.73 11.60 11.69 1 2 ___________ 22.27 28.21 19.19 22.99 21.05 24.36 25.54 25.37 27.86 29.50 32.06 32.27 36.47 45.01 3 Total operating incom e_________ ____ Salaries, wages, and fringe benefits__________________________ _____ ______ Interest on d e p o sits__________________ __ ____ ... Net occupancy expense of bank prem ises___________________________________ All other operating ex p en ses_______________________________________________ Total operating e x p en se _________________________________________ Income after taxes and before securities gains or losses1_____ ________ ____ Net income ___________________________________________ ____________ _____ 6.91 1.93 1.59 .25 1.58 5.35 1.21 1.21 6.09 1.81 1.56 .24 1.27 4.88 .93 .95 6.74 1.52 2.03 .22 1.27 5.04 1.27 1.26 6.20 1.54 1.97 .21 1.28 5.00 .94 .97 6.79 1.40 2.38 .23 1.29 5.30 1.14 1.15 6.35 1.39 2.25 .24 1.25 5.13 .94 1.01 6.76 1.28 2.52 .23 1.29 5.32 1.09 1.11 6.30 1.31 2.27 .22 1.29 5.09 .95 .99 6.46 1.14 2.56 .22 1.37 5.29 .91 .92 5.91 1.13 2.21 .23 1.24 4.81 .85 .88 6.32 1.08 2.52 .15 1.71 5.46 .79 .78 5.52 1.10 1.99 .16 1.32 4.57 .73 .74 6.31 .86 2.14 .03 2.18 5.21 .84 .82 5.07 .85 1.56 .01 1.48 3.90 .86 .87 4 5 6 7 8 9 10 11 12.70 6.61 3.63 1.19 68.36 7.51 100.00 4.28 15.01 7.54 5.14 1.30 63.09 7.92 100.00 4.51 — 28.24 1.99 25.56 .07 3.69 2.90 17.41 79.86 12.00 7.12 8.48 .73 63.04 8.63 100.00 5.75 1.16 22.78 2.19 31.86 .11 3.41 3.12 16.60 80.07 19.93 15.82 .41 .04 16.27 9.00 6.30 9.49 .29 66.57 8.35 100.00 5.27 .78 18.07 2.49 35.32 .31 3.42 2.80 15.34 77.75 1.37 22.25 17.12 .07 .14 17.33 10.07 6.05 10.05 .44 64.08 9.31 100.00 5.96 .93 19.37 2.45 35.77 .20 3.82 2.72 16.28 80.61 1.15 19.39 15.58 .64 .06 16.28 6.08 5.11 9.67 .37 70.37 8.40 100.00 4.86 .84 16.47 2.41 37.54 .87 3.40 2.61 15.36 78.66 1.31 21.34 16.36 .05 .18 16.59 6.55 4.81 10.31 .40 67.99 9.94 100.00 5.79 1.21 18.33 2.45 36.16 .55 3.61 3.17 16.46 80.73 1.54 19.27 15.23 .35 .27 15.86 8.32 5.16 10.43 .56 66.93 8 60 100.00 3.68 1.91 15.29 2.43 39.90 2.94 3.43 2.75 15.12 81.86 1.32 18.14 14.41 -.1 2 .15 14.44 10.24 4.91 10.61 .94 63.53 9.77 100.00 4.04 2.09 16.67 2.52 37.49 1.19 4.09 2.96 16.47 81.39 1.46 18.61 14.63 .54 - .0 3 15.14 7.36 2.35 8.92 .94 71.86 8.57 100.00 2.01 2.44 14.55 2.52 39.85 8.57 2.46 2.07 14.20 84.22 .86 15.78 12.68 - .1 7 .07 12.58 8.02 2.31 8.94 .53 68.98 11.22 100.00 2.48 3.02 17.09 2.82 36.11 3.84 3.05 3.20 16.58 82.69 1.03 17.31 13.43 .40 - .0 4 13.79 4.67 .84 8.47 .36 75.14 10.52 100.00 .87 4.13 11.43 2.18 34.09 , 20.16 .65 1.70 12.34 82.55 .60 17.45 13.37 - .2 0 5.27 .49 10.43 .46 70.51 12.84 100.00 .87 5.29 14.25 2.50 30.68 11.81 .40 2.41 14.83 76.88 20.14 15.69 .22 .04 15.95 11.44 7.32 7.47 .69 65.59 7.49 100.00 4.76 1.86 20.69 2.03 30.00 .19 3.29 2.46 15.34 74.00 1.09 26.00 19.44 - .0 7 - .0 7 19.30 13.17 23.12 17.24 .19 - .0 4 17.39 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 6.17 4.40 3.68 4.43 5.52 4.03 3.63 4.05 6.39 4.74 3.95 5.60 5.85 4.71 3.91 4.34 6.31 5.13 4.33 5.18 5.69 4.79 4.19 4.48 6.15 5.61 4.21 5.45 5.49 5.08 4.12 5.43 6.34 5.89 4.40 5.42 5.89 5.87 4.15 4.79 6.18 5.86 4.17 6.32 5.39 5.46 3.83 5.54 5.34 4.90 4.03 5.55 5.00 4.73 3.82 5.26 35 36 37 38 11.15 - .0 6 9.21 - .0 9 10.44 - .2 0 9.09 -.2 3 10.17 - .3 2 9.14 - .2 3 9.60 - .3 2 8.95 - .2 6 9.25 - .3 3 8.33 - .2 3 9.05 - .2 0 7.89 - .2 8 9.79 - .0 8 7.64 - .2 7 39 40 13.70 7.10 5.59 .75 52.75 17.85 1.54 15.56 7.32 6.76 .68 48.39 19.40 1.38 11.85 7.86 11.11 .50 50.87 15.91 1.43 12.04 7.43 11.82 .59 49.46 16.63 1.56 9.38 7.11 14.20 .46 51.99 14.97 1.74 10.79 6.71 14.43 .49 50.17 14.87 1.81 6.32 5.29 15.17 .52 54.93 14.50 2.06 7.13 4.91 15.64 .44 52.98 15.44 2.27 8.23 5.44 14.85 .47 51.61 15.77 2.23 10.43 4.63 14.82 .83 49.37 16.19 2.42 7.56 2.34 13.50 .70 55.42 16.97 1.92 8.38 2.03 13.08 .41 54.10 18.14 2.12 5.29 .86 13.30 .42 56.73 17.96 2.50 5.46 .46 13.97 .52 54.47 19.71 2.51 41 42 43 44 45 46 47 9.92 24.69 14.68 27.60 23.11 10.57 29.50 15.83 27.11 16.97 13.75 21.27 19.36 26.74 18.88 12.77 23.13 21.93 28.34 13.81 15.23 14.44 22.60 31.27 16.46 15.42 13.90 24.66 32.29 13.70 17.14 11.03 29.82 29.84 12.17 16.59 8.32 32.55 32.17 10.34 15.66 3.80 38.63 28.22 13.69 13.43 4.19 40.74 28.18 13.42 16.25 6.00 36.67 20.29 20.79 14.91 5.17 37.88 20.98 21.03 11.61 1.73 38.29 12.96 35.41 11.27 1.68 40.33 14.79 31.92 48 49 50 51 52 11.08 36.23 4.96 19.43 8.86 10.68 36.25 4.81 17.08 8.59 9.00 43.81 5.16 20.55 8.64 8.94 44.95 4.89 16.51 8.31 8.16 50.23 5.26 19.47 8.67 8.17 50.59 4.92 16.77 8.52 8.16 51.61 5.51 17.95 8.62 8.15 50.28 5.07 15.48 8.34 7.74 51.35 5.65 18.45 8.43 7.86 50.38 4.93 17.59 7.92 7.49 49.63 5.98 15.24 8.35 7.62 47.08 4.91 19.48 7.30 7.52 45.61 6.26 17.28 8.62 8.05 41.47 4.85 21.45 6.89 53 54 55 56 57 1. Income after taxes and before securities gains or losses1.— _____ _________ — 2. Net income ______ ____________ ________________________ ______ ___ .. . ... P ercen tag e of N et Income: 3. Cash dividends p aid _____________ ____ ... ............. . SOURCES AND DISPOSITION OF INCOME P ercen tag e of T otal A ssets: 4. 5. 6. 7. 8. 9. 10. 11. P ercen tag e of T otal O p eratin g Income: 12. 13. 14. 15. 16. 17. 18. 19. 20. 21. 22. 23. 24. 25. 26. 27. 28. 29. 30. 31. 32. 33. 34. Interest on U.S. Treasury se c u rities_____________ __________________________ Interest on securities of U.S. Government agencies and corporations______ ____ Interest on obligations of states and political subdivisions_______ ___ ______ Interest and dividends on all other securities_______________________ ____ Interest and fees on loans2_________ ______________________________________ All other operating incom e________________________________ _____ ________ Total operating income __________________________________ ______ Service charges on deposit accounts (Included in item 17 )8______ __________ T rust departm ent income (Included in item 1 7 )3__________ ___ _____________ Salaries and w a g e s__________________________ __ ______________ ___ _________ _ Officer and employee benefits_____ .. __________________ ____ ________ __ ___ __ Interest on d ep o sits__________________________________________________ ___ _ _ Interest on borrowed money___________________________________ ___________ Net occupancy expense of bank prem ises___________________________________ Provision for loan losses____________________________________________________ _____ All other operating expenses_____________________________________ _________ Total operating expense________________ ___ _____ _____ ______ _____ Interest on capital notes and debentures (Included in item 2 7 )3______ _. Income before taxes and securities gains or lo sses___________________________ Income after income taxes and before securities gains or losses_______________ Net securities gains ( + ) or losses (—), after tax effect..._______ _____________ All other additions and subtractions, net, including m inority interest, if any__ Net income ________ ___ ____________ ______________________________________ — 25.69 2.19 23.00 .10 3.49 2.59 17.98 75.04 1.13 24.96 18.31 -.0 4 .03 18.30 — — — — RATES OF RETURN ON SECURITIES AND LOANS Return on Securities:4 35. 36. 37. 38. Interest Interest Interest Interest on U.S. Treasury secu rities________________________________________ on securities of U.S. Government agencies and corporations_________ on obligations of states and political subdivisions___________________ and dividends on all other securities________________________________ Return on Loans:2 39. Interest and fees on loans____________________ ____________________________ 40. Net losses (—) or recoveries ( + ) on lo a n s _____ ___________________________ DISTRIBUTION OF TOTAL ASSETS P ercen tag e of Total A ssets: 41. 42. 43. 44. 45. 46. 47. U.S. Treasury securities4______________ ____________________________ _________ Securities of other U.S. Government agencies and corporations_______________ _____ Obligations of states and political subdivisions________________________ __ .. . All other securities_________________________________________ _______ ___ ____ Gross loans2 ____ ______________ ____ _________________________ _____________ Cash assets _________ __ ____________ _____________ __ _________ ___________ Real estate ___ ____ ______ ______ ________ ________________________ ______ DISTRIBUTION OF LOANS P ercen tag e of G ross Loans:2 48. 49. 50. 51. 52. Real estate loans ____---- ----------------------------- --------- ---- ------ ---- -----------------------Loans to fa rm e rs_______________________ ___ _______________________________ Commercial and industrial loans________________________ __________________ Consumer loans to in d iv id u als___________________ ___ _____________________ All other loans2_______________________________________ ___ _________________ OTHER RATIOS 53. 54. 55. 56. 57. Total capital accounts and reserves to total assets6___ - _________ ________ —Time and savings deposits to total deposits________________ ___ _____ ~ — — Interest on time and savings deposits to total time deposits----------------------------Income taxes to net income plus income taxes______________________________ Interest and fees on loans to other loans____________________ ________________ For notes see back page. NOTES FOR BANKS Each of the 1973 ratios represents an average of the ratios of individual banks computed from data taken from Call Reports of Condition as of December 31, 1972; June 30, 1973; and December 31, 1973; and from Consolidated Reports of Income for the year 1973. Figures used as a basis for the 1972 ratios are averages of amounts taken from Call Reports of Condition as of December 31, 1971; June 30, 1972; and December 31, 1972; and from Consolidated Reports of Income for the year 1972. 1 Excludes minority interest in operating income, if any. 2 Loans include Federal funds sold and securities purchased under agreements to resell. 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. 5Includes capital notes and debentures and all valuation reserves. NOTE: Details may not add to totals because of rounding. Prepared by Research Department Federal Reserve Bank of Dallas
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