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F ederal Reserve Bank of Dallas

DALLAS, TEXAS 75222

Circular No. 72-102
June 6, 1972

O P E R A T I N G RATIOS O F M E M B E R B A N K S
E L E V E N T H F E D E R A L R E S E R V E DISTRICT

To All M e m b e r 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 1971, with comparative ratios for 1970.
Enclosed in the statement sent to the chief executive officer of your
bank is a separate tabulation giving the 1971 and 1970 operating ratios
for your bank.
If you should like to have additional copies of this report, we will be
glad to send them to you.

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 1971 AND 1970 — ELEVENTH FEDERAL RESERVE DISTRICT
BANKS W ITH AVERAGE D EPO SITS (In thousands of dollars)
$10,000-$25,000

$25,000-850,000

1971

1970

1971

1970

1971

1970

1971

1970

1971

1970

1971

1970

1971

1970

139

157

160

178

198

176

62

46

24

31

37

29

6

6

8.52
9.10

9.73
9.82

9.00
9.75

10.44
10.57

11.17
12.30

12.25
12.46

10.71
11.54

12.70
12.69

10.57
11.31

10.81
11.13

9.44
10.26

10.07
9.89

11.54
11.83

11.12
11.21

1
2

27.55

33.82

25.49

24.82

27.35

29.15

32.03

33.19

30.14

31.05

34.26

36.40

48.42

46.25

3

6.14
1.87
1.47

6.23
1.89
1.32
.23
1.35
4.81

6.33
1.60

6.34
1.41
2.16
.24
1.31
5.14
.90
.98

6.50
1.46

6.34
1.37

5.61

4
5

.02

7
g

1.00
1.00

.8 6

.91

1.23
4.79
.92
.94

1 99
.16
1.36
4.65
.71
.77

5.45
82
1 51

.24
1.42
5.27
.80

5.95
1 19
1 87
.17
148
4 73
79
.78

5.07
.79
1.51

.23
1.37
5.08

1.21
2.11
.22

1 12

2 .2 2

5.88
1.15
2.17

6.07

2.00

6.52
1.43
2.03
.28
1.40
5.16

11.55
2.72
8.71
.36
67.44
9.18

9.44
2.26
8.08
.61
68.42
11.17

U nder $5,000

Num ber of banks in group

$5,000-$10,000

$50,000-$100,000

$100,000-$500,000

Over $500,000

PROFITABILITY
Percentage of Equity C a p ita l Including A ll Reserves:

1. Income after taxes and before securities gains or losses 1_______________________________
2. Net income
.................... ..... - __
.__ ________________________ _____ __ ___ ___
Percentage of N e t Income:

3. Cash dividends paid __ ____ ______________________ ________________________ __
SOURCES AND DISPO SITIO N OF IN C O M E
Percentage of T otal Assets:

4. Total operating income ___ ___________

_____ ___ _______________________ _____

S alaries, wages, and frin g e benefits
In te re s t nn deposits
N e t o rr.n p an ry exp ense of b an k p rem ises
All o th e r o p e ra tin g expenses
T o tal o p e ra tin g expense
Tnr.ome a fte r tax es and before se curities g ains o r losses1
11. N e t in ro m e
.
....
.....

___

S.
fi.
7.
R.
0,
10.

1.02

1.43
5.26
.79

1.04

.8 6

6.58
1.64
1.84
.25
1.50
5.24
.95
.97

16.71
7.18
4.95
.58
62.87
7.68

17.74
5.81
4.69
.34
63.95
7.45

11.78
6.19
8.76
.56
63.45
9.23

11.14
4.99
7.73
.14
66.57
9.40

11.36
5.20
10.18

1 0 0 .0 0

100.00

1 0 0 .0 0

3.93
28.92
1.93
23.74
.06
3.68
4.07
17.64
80.07
.03
19.92
14.90
.37
.17
15.45

4.05
.05
28.74
1.91
21.05
.05
3.68
4.31
16.89
76.66
—
23.33
17.45
- .4 1
.03
17.07

6.26
.05
23.06
2.26
31.79
.09
3.58
4.26
16.80
81.88
.01

.01

18.11
13.96
.78
.18
14.94

20.96
15.60
- .2 6
- .0 2

.01

- .0 1

15.31

15.84

5.58
4.74
3.74
3.89

5.84
3.58
3.76
3.70

5.77
5.05
4.04
3.79

5.77
4.94
4.03
3.51

9.28

8.91
- .0 6

9.15
- .3 1

.71
47.14
20.07
1.40

17.98
4.88
7.17
.39
47.48
20.30
1.34

12.52
5.88
12.24
.63
49.14
17.28
1.78

11.56
28.92
18.19
26.80
14.50

11.80
28.87
18.88
27.19
13.24

10.90
35.47
4.14
26.51

10.80
33.10
4.00
21.47
8.50

.2 2

.

.

1.39
4.97
.85
.91

2 .0 0
.2 2

1.00
1.01

.8 6

.2 2

1.19
4.75

-.0 1

1 41
3 71

6

95

1 59
3 96
99

.98

1.00

10
11

8.05
1.73
6.92
.30
72.81
10.17

5.46
.15
9.76
.53
71.35
12.73

5.34

12

.02

13
14
15
16
17
18
19

9

Percentage of T ota l O p e ratin g Income:

12.
13.
14
15.
16.
17.
18.
19.
20.
21.
22.

Interest on U.S. Treasury securities ______________________ ___ __________ — ________
Interest on securities of U.S. Governm ent agencies and corporations ________ ______ ___
Interest on obligations of states and political su b d ivisions___________ __ _____ __ ____ ..
Interest and dividends on all other s e c u ritie s..........— __ ___ ______ ___ ______________ ___
Interest and fees on loans 2 _ . . ... __ ... _ ........
_
__
_
....
_
_
—
All other operating incom e__________ _____ ___ ______________________ __ _______
__
Total operating incom e__________________________ __________________ ____
Service charges on deposit accounts (Included in item 17)3_____________________________
T rust departm ent income (Included in item 17 )3 ________ _______ _______________ .._.........
Salaries and wages — ................... . ............ ............. ..................................... ...............
Officer and employee benefits __ __ _____ ________ _________ ______________ _____ _____ ...

23. In te re s t on d eposits

24.
25.
26.
27.
28.
29.
30.
31.
32.
33.
34.

.

...

__

_
_

.

Interest on borrowed m o n e y ------------- ----- ------------ ---- ----------- ----- ------------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 s s e s ______________ _____ ________________
Income after income taxes and before securities gains or losses _____ ________ ____
Net securities gains ( + ) or losses (—) , after tax e ffe c t_________________ ________ ____
All other additions and subtractions, net, including m inority interest, if a n y _____________
N et income ______ ________ . ----------- . . ........ ....... — --------------- ------- -----------

—

63.73
9.28

10.17
4.40
9.31
.26
66.49
9.35

6.98
4.34
9.70
.46
67.89
10.59

10.63

12.18
4.12
10.28
.61
63.70
9.07

100.00

1 0 0 .0 0

100.00

1 0 0 .0 0

100.00

1 0 0 .0 0

100.00

1 0 0 .0 0

100.00

1 0 0 .0 0

6.49
.07
22.78

6.05
.23
19.95
2.43
34.33
.16
3.88
3.53
16.55
80.86
.05
19.13
14.78
1.04

6.06
.33
20.24
2.31
31.13
.29
3.68
3.79
16.57
78.05
.07
21.94
15.96
- .0 9

6.08
.79
19.10
2.56
35.37
.38
4.07
3.78
16.80
82.08

4.04
1.79
17.24
2.56
36.97
3.91
3.19
15.61
80.62

3.99
1.62
17.39
2.60
34.84
2.08
3.84
2.73
15.28
78.78
.03

2.63
2.92
17.39
2.67
35.62
3.53
3.04
3.78
16.84
82.90

21.21

17.09

15.37
.38
.06
15.82

1 2 .8 8
1 .2 0
-.1 2

15.85

19.37
14.85
.85
.04
15.76

13.96

2.52
3.12
17.65
2.57
31.75
5.48
2.97
3.19
15.85
79.49
.24
20.50
13.58
- .1 3
- .0 6
13.38

.94
4.90
13.47
2.23
29.86
12.08
-.3 4
1.97
14.01
73.30

17.91
14.26
.79
-.0 6
14.99

6.35
.92
19.05
2.94
31.50
1.03
4.46
3.31
16.96
79.27
.18
20.72
15.43
.16
- .1 3
15.46

26.69
18.85
.42
.06
19.34

5.85
4.87
4.18
4.30

5.48
4.84
4.10
4.40

5.63
5.13
4.04
5.42

5.44
4.72
4.11
5.48

5.77
5.59
4.12
5.67

5.63
4.33
3.95
5.34

5.55
4.94
3.85
5.85

5.38
4.57
4.08
5.39

9.48
- .3 4

9.05
-.3 6

9.36
- .5 3

9.08
-.7 4

9.05
- .5 7

8 .2 2

-.6 0

8.55
- .3 9

7.81
-.4 7

12.22

1 2 .0 2

7.51
4.03
15.21
.44
52.17
16.63
2.63

12.02

5.26
14.78
.40
49.17
15.82

11.49
4.07
14.38
.35
50.49
16.61
1.92

8.01

4.91
11.70
.32
51.22
17.22
1.93

3.54
14.70
.34
52.26
17.24
2.65

2 .1 2

2.23
13.24
.65
50.75
17.68
2.27

9.61
1.77
12.05
.40
53.36
18.92
2.13

13.15
20.96
22.17
30.18
13.52

13.46
19.41
24.08
30.79
12.24

15.50
13.31
27.86
31.02
12.28

15.66
13.31
29.69
30.65
10.66

15.58
6.48
35.63
31.85
10.43

15.88
5.01
36.44
33.38
9.26

13.09
4.42
40.81
28.95
12.71

13.50
4.40
42.66
27.38
12.03

9.06
45.94
4.83

9.15
44.03
4.63
27.32
8.62

8.32
48.42
4.94
17.46
8.52

8.53
46.51
4.79
24.63
8.58

8.03
48.90
5.10
19.83
8.49

8.26
46.20
4.98
20.83
8.63

8.33
49.02
4.98
25.00
7.84

8.67
46.29
5.18
24.75

2.20

28.18
.25
3.89
4.89
16.81
79.03

.21

.2 2

7.04
3.49
9.67
.29
68.86

1 .1 2

.1 0

9.56
.46
74.39
10.21
100.00

1.08
4.39
13.09
2.13
27 72
14.37
.59

20
21
22

18.51

23
24
25
26
27
28
29
30
31
32
33
34

5.23
3.28
3.98
5.45

4.87
_
4.22
4.98

35
36
37
38

8.73
- .6 2

8.55
-.3 8

8.33
- .3 0

39
40

8.86

5.49
.14
12.43
.49
54.59
20.87
2.60

6.02

1.58
10.35
.30
54.34
20.48
2.14

_
12.15
.43
53.50
22.17
2.63

41
42
43
44
45
46
47

12.04
3.98
41.03
21.06
21.87

11.43
3.74
41.19
22.30
21.30

9.80
.27
42.66
12.14
35.11

8.79
.33
49.45
13.43
27.98

48
49
50
51
52

7.82
45.47
5.09
26.06
7.40

8.30
41.88
5.24
28.86
7.92

8.79
37.53
5.24
27.24
7.01

9.41
34.55
5.59
29.55
7.61

53
54
55
56
57

.2 2

_

1.66

13.13
72.71
_
27.28
18.33
.17

RATES OF RETURN O N SECURITIES A N D LOANS
Return on Securities :1

35.
36.
37.
38.

Interest
Interest
Interest
Interest

on U.S. Treasury se c u ritie s_______ . . . ........... —........
......... -— .... --------on securities of U.S. Government agencies and corporations 5_____ ___ ________
.
on obligations of states and political subdivisions. ________________ ______
and dividends on all other securities_________
__ _______ — .
. ..

Return on Loans :2

39. Interest and fees on loans
.......................
..........
. ...........................................................
40. N et losses (—) or recoveries ( + ) on l o a n s _____ ____________________

-.0 1

DISTRIBUTION O F TOTAL ASSETS
Percentage of T otal Assets:

41.
42.
43.
44.
45.
46.
47.

U.S. Treasury securities 4--------------------------------- ------------ .... ---------------------------------------Securities of other U.S. Government agencies and corporations 5____
___ ________
Obligations of states and political su b d ivisions____ _____________ ________ ______
__
All other securities ____________________
_
_ . .
... .............
. _ .......
Gross loans 2
........— ........... .... .
.......... ...... .
.................................. . ..
Cash assets ____ __ __ __ _______ ______ ______
____ __ ____ — -----------------Real e s ta te ----------- --- —
-......... ........... ........................ . ~
. .............................. ..................

16.92
6.31
6 .8 8

1 .8 8

12.28
3.52
14.75
.72
49.03
16.48

DISTRIBUTION OF LOANS
Percentage of Gross Loans :2

48.
49.
50.
51.
52.

Real estate loans ------------------- -------- ------------- ---------------- ------ ------------------.
Loans to farm ers _... ------ . — .......... -............................... ............ ......... ..............................
Commercial and industrial loans .............. ..................... ........ ....... ....... ...... ........................
Consumer loans to individuals
...................................
.
.............. .. ..............
All other loans 2---------- ---- ------ — -------------- ----------- -— _ ......-....... ------- -----.

OTHER RATIOS

53.
54.
55.
56.
57.

T otal capital accounts and reserves to total assets 6.......... ................. —
-............ .......... ....... ~
Time and savings deposits to total d e p o s its................ .........._ . . - ----------------------- _ —
Interest on time and savings deposits to total time d e p o s its ______________ _____________
Income taxes to net income plus income t a x e s _______________________________ _____ ___
Interest and fees on loans to other lo a n s _____________________________________ _______ _J

For notes see back page.

8 .6 8

2 0 .1 0

8.48

8.10

NOTES FOR TABLE
E ach of the 1971 ratio s represents an average of the ratio s of individual banks
computed from d a ta taken from Call Reports of Condition as of December 31, 1970;
Ju n e 30, 1971; and December 31, 1971; and from Consolidated R eports of Income fo r
the y ea r 1971. F ig u res used as a basis for the 1970 ratio s are averages of am ounts
taken from Call R eports of Condition as of December 31, 1969; Ju n e 30, 1970; and
December 31, 1970; and from Consolidated R eports of Income fo r the y ear 1970.
1 Excludes m inority in terest in o perating income, if any.
2 Loans include F ederal fu n d s sold and securities purchased under agreem ents to resell.
3 Banks reporting zero am ounts w ere excluded in com puting th is average.
4 Excludes tra d in g account securities.
5 F igu res are not shown w here there w ere few er th a n three banks in a group.
8 Includes capital notes and debentures and all valu ation reserves.
N O T E : D etails m ay not add to totals because of rounding.

P re p ared by
R esearch D epartm ent
F ederal Reserve B ank
of D allas

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