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F

ederal

R

eserve

B

ank

of

D

allas

DALLAS. TE X A S 75222

Circular No. 73-69
April 12, 1973

O P E R A T IN G R A TIO S OF 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 D ISTRICT

To All M em ber B a n k s
in th e E lev en th Federal R eserve D istr ic t:

There is presented on the inside pages of this letter the annual s ta te ­
m ent of operating ratios of member banks in the Eleventh Federal Reserve
District for 1972, with comparative ratios for 1971.
Enclosed in the statem ent sent to the chief executive officer of your
bank is a separate tabulation giving the 1972 and 1971 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

E n closure

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 1972 AND 1971 — ELEVENTH FEDERAL RESERVE DISTRICT
BANKS WITH AVERAGE DEPOSITS (In thousands of dollars)
$5,000 $10,000

Under $5,000

$10,000 $25,000

$25,000 £50,000

$50,000-$ 100,000

$100,000 $500,000

Over $500,000

1971

1972

1971

1972

1972

1971

1972

1971

1972

1971

1972

1971

110

139

139

160

222

198

66

62

39

24

35

37

8

6

9.05
9.30

8.52
9.10

10.76
11.12

9.00
9.75

11.96
12.86

11.17
12.30

12.13
12.62

10.71
11.54

11.36
11.78

10.57
11.31

10.01
10.24

9.44
10.26

11.60
11.69

11.54
11.83

2

28.21

Number of banks in group

1971

1972

27.55

22.99

25.49

24.36

27.35

25.37

32.03

29.50

30.14

32.27

34.26

45.01

48.42

3

6.09
1.81
1.56
.24
1.27
4.88
.93
.95

6.14
1.87
1.47
.22
1.39
4.97
.85
.91

6.20
1.54
1.97
.21
1.28
5.00
.94
.97

6.33
1.60
2.00
.22
1.43
5.26
.79
.86

6.35
1.39
2.25
.24
1.25
5.13
.94
1.01

6.34
1.41
2.16
.24
1.31
5.14
.90
.98

6.30
1.31
2.27
.22
1.29
5.09
.95
.99

6.34
1.37
2.22
.24
1.42
5.27
.80
.86

5.91
1.13
2.21
.23
1.24
4.81
.85
.88

5.88
1.15
2.17
.22
1.19
4.75
.86
.91

5.52
1.10
1.99
.16
1.32
4.57
.73
.74

5.61
1.12
1.99
.16
1.36
4.65
.71
.77

5.07
.85
1.56
.01
1.48
3.90
.86
.87

5.07
.79
1.51
-.0 1
1.41
3.71
.95
.98

4
5
6
7
8
9
10
11

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

5.46
.15
9.76
.53
71.35
12.73
100.00
.94
4.90
13.47
2.23
29.86
12.08
- .3 4
1.97
14.01
73.30

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

2. Net income ------------------------- ----- ----------- ---------- ----- ----- - -----------------------------------------Percentage of N e t Income:

1

SOURCES AND DISPOSITIO N OF IN C O M E
Percentage of Total Assets:

5. Salaries, wages, and fringe benefits................. ....................... ....................-........------- --------------6. Interest on deposits ----------- ------ ----------------------------------- ---- -----------------------------------------

Percentage of Total O perating Income:

11.36
5.20
10.18
.21
63.73
9.28
100.00
6.12r
,95r
19.95
2.43
34.33
.16
3.88
3.53
16.55
80.86
1.06r
19.13
14.78
1.04
.01
15.84

28.24
1.99
25.56
.07
3.69
2.90
17.41
79.86

28.92
1.93
23.74
.06
3.68
4.07
17.64
80.07

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

20.14
15.69
.22
.04
15.95

19.92
14.90
.37
.17
15.45

19.93
15.82
.41
.04
16.27

18.11
13.%
.78
.18
14.94

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

5.52
4.03
3.63
4.05

5.58
4.74
3.74
3.89

5.85
4.71
3.91
4.34

5.77
5.05
4.04
3.79

5.69
4.79
4.19
4.48

5.85
4.87
4.18
4.30

5.49
5.08
4.12
5.43

5.63
5.13
4.04
5.42

9.21
-.0 9

9.28
- .0 1

9.09
-.2 3

9.15
- .3 1

9.14
-.2 3

9.05
- .3 6

8.95
-.2 6

15.56
7.32
6.76
.68
48.39
19.40
1.38

16.92
6 31
6 88
.71
47.14
20.07
1.40

12.04
7.43
11.82
.59
49.46
16.63
1.56

12.52
5.88
12.24
.63
49.14
17.28
1.78

10.79
6.71
14.43
.49
50.17
14.87
1.81

12.02
5.26
14.78
.40
49.17
15.82
1.88

10.57
29.50
15.83
27.11
16.97

11.56
28.92
18.19
26.80
14.50

12.77
23.13
21.93
28.34
13.81

13.15
20.96
22.17
30.18
13.52

15.42
13.90
24.66
32.29
13.70

10.68
36.25
4.81
17.08
8.59

10.90
35.47
4 14
26.51
8.68

8.94
44.95
4.89
16.51
8.31

9.06
45.94
4.83
20.10
8.48

8.17
50.59
4.92
16.77
8.52

15.01
7.54
5.14
1.30
63.09
7.92
100.00
4.51

_

16.71
7.18
4.95
.58
62.87
7.68
100.00
4.38r

_

_

—

11.78
6.19
8.76
.56
63.45
9.23
100.00
6.35r
.98r
23.06
2.26
31.79
.09
3.58
4.26
16.80
81.88

_

23.12
17.24
.19
-.0 4
17.39

26.69
18.85
.42
.06
19.34

12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34

5.55
4.94
3.85
5.85

5.00
4.73
3.82
5.26

5.23
3.28
3.98
5.45

35
36
37
38

7.89
-.2 8

7.81
- .4 7

7.64
-.2 7

8.55
- .3 8

39
40

12.28
3.52
14.75
.72
49.03
16.4S
2.12

8.38
2.03
13.08
.41
54.10
18.14
2.12

9.61
1.77
12.05
.40
53.36
18.92
2.13

5.46
.46
13.97
.52
54.47
19.71
2.51

5.49
.14
12.43
.49
54.59
20.87
2.60

41
42
43
44
45
46
47

13.43
4.19
40.74
28.18
13.42

13.09
4.42
40.81
28.95
12.71

14.91
5.17
37.88
20.98
21.03

12.04
3.98
41.03
21.06
21.87

11.27
1.68
40.33
14.79
31.92

9.80
.27
42.66
12.14
35.11

48
49
50
51
52

7.86
50.38
4.93
17.59
7.92

8.33
49.02
4.98
25.00
7.84

7.62
47.08
4.91
19.48
7.30

7.82
45.47
5.09
26.06
7.40

8.05
41.47
4.85
21.45
6.89

8.79
37.53
5.24
27.24
7.01

53
54
55
56
57

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

12.18
4.12
10.28
.61
63.70
9.07
100.00
4.04
2.05r
17.24
2.56
36.97
1.12
3.91
3.19
15.61
80.62
19.37
14.85
.85
.04
15.76

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

5.89
5.87
4.15
4.79

5.77
5.59
4.12
5.67

5.39
5.46
3.83
5.54

9.08
- .7 4

8.33
-.2 3

8.22
- .6 0

7.13
4.91
15.64
.44
52.98
15.44
2.27

7.51
4.03
15.21
.44
52.17
16.63
2.63

10.43
4.63
14.82
.83
49.37
16.19
2.42

15.50
13.31
27.86
31.02
12.28

16.59
8.32
32.55
32.17
10.34

15.58
6.48
35.63
31.85
10.43

8.32
48.42
4.94
17.46
8.52

8.15
50.28
5.07
15.48
8.34

8.03
48.90
5.10
19.83
8.49

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

6.98
4.34
9.70
.46
67.89
10.59
100.00
6.08
1.09r
19.10
2.56
35.37
.38
4.07
3.78
16.80
82.08
1.18r
17.91
14.26
.79
- .0 6
14.99

—

9.44
2.26
8.08
.61
68.42
11.17
100.00
2.63
2.92
17.39
2.67
35.62
3.53
3.04
3.78
16.84
82.90
1.06r
17.09
12.88
1.20
- .1 2
13.96

—

—

RATES OF RETURN ON SECURITIES A ND LOANS
Return on Securities:4

36. Interest on securities of U.S. Government agencies and corporations------------------------------38. Interest and dividends on all other securities------------------------- ---------------------------------------Return on Loans:2

DISTRIBUTION OF TOTAL ASSETS
Percentage of Total Assets:

DISTRIBUTION OF LOANS
Percentage of Gross Loans:2

OTHER RATIOS

For notes see back page.

NOTES FOR TABLE
Each of the 1972 ratios represents an average of the ratios of individual banks
computed from data 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. Figures used as a basis for the 1971 ratios are averages of amounts
taken from Call Reports of Condition as of December 31, 1970; June 30, 1971; and
December 31, 1971; and from Consolidated Reports of Income for the year 1971.
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.
5 Includes capital notes and debentures and all valuation reserves,
r—Revised.
NOTE: Details may not add to totals because of rounding.

Prepared by
Research Department
Federal Reserve Bank
of Dallas

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