Full text of District Notices (Federal Reserve Bank of Dallas) : Operating Ratios of Member Banks, Eleventh Federal Reserve District

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F e d e r a l R e s e r v e Ba n k
OF DALLAS

Dallas, Texas, March 22, 1954

OPERATING RATIOS OF MEMBER BANKS
ELEVENTH FEDERAL RESERVE DISTRICT

To the Member 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 Re­
serve District for 1953, with comparative figures for 1952. Each of the
1953 ratios represents an average of the ratios of individual banks com­
puted from data taken from reports of condition as of December 31, 1952,
June 30, 1953, and September 30, 1953, and from reports of earnings and
expenses for the year 1953. Ratios for your bank are included for your
convenience in making comparisons.
If you should like to have additional copies of this report, we will be
glad to send them to you.
Sincerely yours,
WATROUS H. IRONS
President

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

O PERATING RATIOS OF MEMBER BANKS FOR THE YEMJ953
v_ A N D 1952 — ELEVENTH FEDERAL RESERVE DISTRICT
1953

bank
1952

Number of banks in group

Under $500
1953
1952
16
14

$500- $999
1953
1952
47
49

'x?J|999
1^1952

BANKS WITH AVERAGE DEPOSITS (In thousands of dollars)
$2,000 - $4,999
$5,000 - $9,999 $10,000 - $24,999 $25,000 - $49,999 $50,000 - $99,999
1953
1952
1953
1952
1953
1952
1953
1953
1952
1952
216
218
120
29
118
57
28
12
55
13

$100,000 and over
1953
1952r
13
13

SUMMARY RATIOS
Percentage of Total Capital Accounts
1.
2.
3.
4.

9.3
7.1
4.7
2.9

Net current earnings before income taxes..
Profits before income taxes.............................
Net p ro fits ..........................................................
Cash dividends declared.................................

10.8
8.0
5.9
2.4

12.1
9.5
6.7
2.5

13.9
9.5
6.9
2.8

15.9
1 13.1
9.6
3.9

16.4
12.6
8.6
3.6

17.4
14.2
9.9
3.8

18.7
13.9
8.0
3.4

19.6
15.3
9.1
3.7

18.8
15.7
8.8
3.1

20.4
16.9
9.8
3.2

18.3
15.0
8.0
3.5

18.9
15.8
8.7
3.5

18.5
17.3
9.3
2.8

21.0
17.8
10.2
2.8

17.6
16.0
7.6
4.1

18.4
15.4
7.4
4.3

1
2
3
4

Percentage of Total Assets
3.67
1.19
.63

5. Total earnings ................................................
6. Net current earnings before income taxes....
7. Net profits .

3.92
1.39
.73

3.63
1.30
.77

3.80
1.48
.77

3.31
1.30
c -77

3.16
1.19
.63

3.01
1.18
.67

3.15
1.18
.51

3.00
1.14
.53

3.16
1.06
.50

3.11
1.10
.55

2.78
1.05
.45

2.61
1.04
.48

2.86
1.00
.49

2.62
1.01
.50

2.59
1.07
.46

2.48
1.07
.43

5
6
7

SOURCES AND DISPOSITION OF EARNINGS
Percentage of Total Earnings
8.
9.
10.
11.
12.
13.
14.
15.
16.
17.
18.
19.
20.
21.
22.
23.

Interest on U. S. Government securities...................................
Interest and dividends on other securities.................................
Earnings on loans...........................................................................
Other current earnings..................................................................
Total e a rn in g s.......................................................................
Service charges on deposit accounts (Included in item l l ) 1.
Trust departm ent earnings (Included in item l l ) 1...............
Salaries and wages........................................................................
Interest on tim e deposits................................................................
Other current expenses..................................................................
Total expenses ....................................................................
Net current earnings before income taxes.................................
Actual net losses (reco v eries-)-).............................................
Net increase (decrease + ) in valuation reserves......................
Taxes on net income....................................................................
Net profits

100.0

100.0

12.4
1.8
75.6
10.2
100.0
4:6
—

41.1
.7
25.6
67.4
32.6
4.9
—

8.1
19.6

9.0
3.7
78.4
8.9
100.0
4.6
—
37.7
.6
25.3
63.6
36.4
10.3
—
7.2
18.9

15.1
3.3
73.6
8.0
100.0
4.3
—

38.3
2.2
24.1
64.6
35.4
7.2
.6
8.5
19.1

13.0
2.9
76.1
8.0
100.0
4.2
—
35.9
2.0
23.8
61.7
38.3
11.8
+ .3
7.3
19.5

RATES OF EARNINGS ON SECURITIES AND LOANS
Percentage of U. S. Government Securities
24. Interest on U. S. Government securities..........................

l 18.0
\ 5.3
fe-67.2
! 9.5
\( 100.0
' 5.4
—
i 35.4
1.4
i 23.7
60.5
i 39.5
\ 6.7
.1
8.8
£ . .3.9
i

23.1
6.2
60.4
10.3
100.0
6.0
2.6

35.8
2.0
24.1
61.9
38.1
8.1
—

9.4
20.6

21.8
6.0
61.8
10.4
100.0
6.1
2.4
34.8
1.6
23.9
60.3
39.7
5.9
.9
10.0
22.9

23.3
5.9
59.6
11.2
100.0
6.4
2.1

34.1
3.9
23.7
61.7
38.3
9.6
+.1
11.8
17.0

21.4
5.6
61.1
11.9
100.0
6.5
2.3
33.3
3.0
24.9
61.2
38.8
7.4
.9
12.2
18.3

20.5
4.9
59.5
15.1
100.0
8.0
2.4

35.4
4.8
26.0
66.2
33.8
6.1
+ .7
12.3
16.1

18.8
5.2
61.5
14.5
100.0
7.5
2.6
33.6
3.9
27.1
64.6
35.4
4.0
1.5
12.1
17.8

24.0
5.5
56.9
13.6
100.0
4.7
1.5

31.2
4.4
25.7
61.3
38.7
8.0
+ .7
14.8
16.6

23.8
6.0
56.2
14.0
100.0
4.9
1.8
30.3
3.8
25.9
60.0
40.0
5.5
.5
15.3
18.7

19.4
2.4
64.8
13.4
100.0
5.1
1.6

32.1
5.3
27.7
65.1
34.9
5.3
+ 2 .8
15.0
17.4

22.1
2.4
61.0
14.5
100.0
4.6
1.8
30.9
4.6
26.1
61.6
38.4
4.6
1.4
14.2
18.2

21.2
4.3
59.8
14.7
100.0
1.9
3.0

25.5
5.7
27.3
58.5
41.5
6.1
+ 1 .7
19.9
17.2

21.4
4.5
59.4
14.7
100.0
1.8
3.1
25.3
4.9
26.7
56.9
43.1
4.1
3.2
18.6
17.2

8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23

1.82

2.06

1.96

1.97

1.91

2.08

1.86

2.05

1.82

2.06

1.86

2.02

1.84

1.92

1.71

2.00

1.87

24

5.42

4.11

3.76

3.02

3.29

2.84

2.78

2.65

2.59

2.41

2.51

2.48

2.52

2.44

2.18

2.86

2.96

25

—

—

+ .0 2

.07

—

.02

.06

.05

.06

.13

.12

.11

.06

.10

.37

.18

26

8.20
.47

8.72
1.02

7.64
.81

8.24
1.19

6.89
.77

6.98
.49

6.58
.83

6.61
.54

6.20
.37

5.28
.40

5.20
.20

5.11
.32

4.96
.16

4.32
.09

4.26
.02

27
28

Percentage of Other Securities
25. Interest and dividends on other securities......................

Percentage of Total Securities
26. Actual net losses (recoveries and profits -f-) on
total securities2 .............................................................

.<1U

Percentage of Total Loans
27. Earnings on loans................................................................. .
28. Actual net losses (recoveries-)-) on loans2...................

7.41
i

.62

6.55
.33

DISTRIBUTION OF TOTAL ASSETS
Percentage of Total Assets
29.
30.
31.
32.
33.
34.

U. S. Government securities.........
Other securities ............................
Loans ..............................................
Cash assets ......................................
Real estate assets............................
All other assets..............................

21.9
1.5
34.9
41.2
.4
.1

16.2
4.3
36.8
42.1
.5
.1

26.0
3.8
35.9
33.8
.4
.1

23.3
4.4
35.9
35.8
.5
.1

> 2d. /
6.1
i[ 30.8
37 33.7
.6

13.4

13.5

11.0

38.6
15.5
2.0

34.7
15.7
2.2

28.6
12.4
5.6

-1

32.8
7.6
28.5
30.1
.9
.1

32.5
7.3
27.4
31.9
.8
,i

32.8
7.6
29.6
28.9
1.0
.1

32.1
7.0
28.8
31.0
1.0
.1

29.9
6.6
30.9
31.0
1.5
.1

29.2
6.9
30.3
32.1.
1.2
Q
.O

30.7
6.3
30.4
31.3
1.1
.2

31.8
6.5
29.0
31.7
.9
.1

29.0
3.3
36.3
29.8
1.5
.1

31.9
3.5
32.3
30.8
1.3
.2

26.7
4.7
35.9
30.9
1.3
.5

27.7
4.5
34.9
31.1
1.3
.5

29
30
31
32
33
34

10.6

8.4

7.4

7.0

6.4

6.0

6.0

5.8

5.9

5.6

5.4

4.9

6.2

6.0

35

28.1
12.0
5.1

l 13.2
’ 9.2
3.8

21.7
8.1
5.1

21.1
7.6
4.4

18.4
6.9
9.5

17.5
6.4
8.2

15.9
6.5
14.3

15.7
6.2
12.4

16.4
6.3
12.2

16.1
6.0
11.2

13.3
5.8
15.3

14.3
5.2
13.2

14.7
6.7
12.2

14,5
6.5
11.0

36
37
38

OTHER RATIOS
35. Total capital accounts to total assets............
36. Total capital accounts to total assets less
Government securities and cash assets..
37. Total capital accounts to total deposits........
38. Time deposits to total deposits.....................

1Banks reporting zero amounts were excluded in computing this average, and figures are not shown where there were fewer thaij ^nks in a group.
2Computed on the basis of actual net losses or recoveries (after adjustments for transfers to and from reserves for bad debts), rat 'mthe basis of figures furnished on the face of the Report of Earnings and Dividends.
rRevised.
NOTE: Balance sheet figures used as the basis fur ratios are averages of amounts reported as of December 31, 11)52, June 30+ September 30, 1953.