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

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F ederal

r es e r v e

Bank

OF DALLAS

Dallas, Texas, March 6, 1959

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 statement
of operating ratios of member banks in the Eleventh Federal Reserve Dis­
trict for 1958, with comparative figures for 1957. Each of the 1958 ratios
represents an average of the ratios of individual banks computed from data
taken from reports of condition as of December 31, 1957, June 23,1958, and
September 24,1958, and from reports of earnings and expenses for the year
1958. 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.

Yours very truly.
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 P E R A T IN G

R A T IO S

OF

MEMBER

Your bank
1958 1957
Number of banks in group

SU M R R T S
M A Y A IO
Percentage of Total Capital Accounts
1
2
3
4

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

SO R E A D D SITIO O EA N G
U C S N ISPO
N F R IN S
Percentage of Total Earnings
Interest on U. S. Government securities
____________
Interest and dividends on other securities...........................
Earnings on loans.................................................................
Other current earnings........................................................
Total earnings...........................................................
Service charges on deposit accounts ( Included in item 11)^
Trust department earnings (Included in item 11 ^ .............
Salaries and wages.................................................................
Interest on time deposits.......................................................
Other current expenses.........................................................
Total expenses............................................................
Net current earnings before income taxes...........................
Actual net losses (recoveries -j~).........................................
Net increase (decrease -j-) in valuation reserves...............
Taxes on net income.............................................................
Net profits..............................................................................

R T S O EA N G O SE U IT S A D LO N
A E F R IN S N C R IE N
AS
Percentage of U S. Government Securities
.

$500 and under
1958 1957
13
11

7.7
8.3
6.6
3.0
3.86
.99
.89

Net eiirrent earnings before, income taxes...........................
Profit* before income taxes..... ...........................................
.... .... .......... .................................................
Net profits
Ga*b dividends declared............... .... ... ..............................

Percentage of Total Assets

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

BA NKS FOR TH E YEARS

100.0

100.0

13.7
2.9
76.3
7.1
100.0

8.0
7.0
4.8
2.8
4.11
1.14
.65

44.7
2.8
29.6
77.1
22.9
+ 5.6

17.4
2.6
71.7
8.3
100.0
4.6
—
45.7
2.3
25.7
73.7
26.3
3.8

5.5
23.0

6.9
15.6

3.6
—

1958 an d

1957 — ELEVENTH

F E D E R A L R E S E R V E D IS T R IC T

$500- $1,000
1958 1957
38
42

BANKS WITH AVERAGE DEPOSITS (In thousands of dollars)
$2,000 $5,000 $5,000 - $10,000 1$10,000 - $25,000 $25,000 - $50,000 $50,000-$100,000
$1,000 $2,000
1958 1957 1958 1957 1958 1957 1958 1957 1958 1957 1958 1957
106
no
209 210
139
132
61
64
25
22
20
20

11.7
10.0
8.0
2.9

11.9
10.0
7.6
3.4

4.22
1.39
.97
16.4
4.0
71.3
8.3
100.0
4.5
—

38.5
4.1
25.2
67.8
32.2
1.6
2.4
5.7
22.5

11.2
8.0
6.1
2.8
4.12
1.35
.73

17.9
4.8
69.2
8.1
100.0
5.0
—
38.2
4.1
25.3
67.6
32.4
6.2
2.1
5.9
18.2

3.87
1.22
.79
20.2
6.9
64.6
8.3
100.0
5.5
1.1

36.9
6.3
25.1
68.3
31.7
2.5
1.6
6.5
21.1

12.6
9.8
7.3
3.2

13.4
11.6
8.7
3.5
3.79
1.17
.76

3.73
1.28
.76

22.8
5.3
63.7
8.2
100.0
53
.9
37.3
4.0
24.4
65.7
34.3
5.6
1.2
7.0
20.5

21.3
8.2
60.4
10.1
100.0
6.7
.5

36.1
7.4
25.4
68.9
31.1
1.5
2.0
7.1
20.5

14.3
11.2
8.4
3.6

15.5
12.7
8.7
3.6
3.78
1.18
.67

3.68
1.22
.71

23.7
7.3
59.1
9.9
100.0
6.4
1.4
36.0
5.3
24.9
66.2
33.8
5.2
1.8
6.8
20.0

21.9
8.2
59.0
10.9
100.0
73
.9

33.4
9.7
24.8
67.9
32.1
2J

2.6
8.4
18.4

17.0
12.8
8.7
3.6
3.67
1.23
.63

24.3
6.5
58.4
10.8
100.0
6S
13
33.6
7.5
24.6
65.7
34.3
5.5
2.6
8.5
17.7

15.9
13.1
8.6
3.4
3.87
1.09
.59
17.3
6.7
61.2
14.8
100.0
93
1.4

33.1
12.6
26.2
71.9
28.1
2.0
2.8
8.2
15.1

18.5
12.7
7.8
3.2

15.0
14.1
8.9
3.1
3.76
1.10
.65

3.87
1.22
.50

18.4
6.3
60.4
14.9
100.0
93
1.4
32.6
10.4
25.4
68.4
31.6
7.0
3.4
8.1
13.1

18.0
6.3
58.6
17.1
100.0
7J0
1.5

30.9
12.8
26.9
70.6
29.4
+1.5
3.3
10.0
17.6

16.2
12.8
7.8
3.3
3.61
1.12
.54

20.1
5.0
60.0
14.9
100.0
6.5
1.8
31.1
12.2
25.3
68.6
31.4
3.3
2.9
10.0
15.2

15.2
13.0
7.1
3.7
3.50
1.07
.49
18.1
4.5
65.0
12.4
100.0
5.8
1.7

29.9
11.6
27.6
69.1
30.9
.5
3.9
12.4
14.1

17.4
14.1
8.4
4.0
3.44
1.19
.58

19.0
4.8
63.6
12.6
100.0
5.5
1.5
29.4
9.0
26.6
65.0
35.0
2.2
4.5
11.3
17.0

Over $100,000
1958 1957
14
16

17.2
17.3
9.5
4.1
3.37
1.30
.73
18.3
5.0
61.9
14.8
100.0
2,7
3.4

tin

14.0
24.9
61.6
38.4
+ 3.0
in

17.0
21.7

18.1
16.5
9.4
4.2
3.31
1 35
.70

18.6
4.5
62.6
14.3
100.0
23
3.4
22.9
12.0
24.6
59.5
40.5
2.9
6
15 7
21.3

1
2
3
4
5
6
7

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

24. Interest on U. S. Government securities.............................

2.17

3.09

2.93

2.70

3.00

2.87

2.87

2.82

2.76

2.71

2.61

2.64

2.46

2.58

2.45

2.51

2.47

2.55

24

25. Interest and dividends on other securities...........................

3.62

3.98

3.65

3.48

2.99

2.74

2.66

2.56

2.74

2.50

2.60

2.60

2.48

2.31

2.42

2.90

2.59

2.33

25

+ .08

.07

+ .02

.05

.05

.09

.04

.10

+ .32

.18

.45

.14

+ .64

+ .46

.20

26

7.81
.23

7.65
.58

7.23
.17

7.29
.44

7.02
.06

7.12
.34

6.78
.22

6.74
.36

6.51
.21

6.60
.34

6.08
.12

5.88
.14

5.55
.35

5.10
.11

499
.09

27
28

Percentage of Other Securities
Percentage of Total Securities

26. Actual net losses (recoveries and profits + )
on total securities^.....................................................

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

D R U IO O T T L A
IST IB T N F O A SSETS
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.......................................................................

OHRR T S
T E A IO
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.............................................

+ .09

_

8.93
+ .31

8.01
.35

21.7
3.2
34.1
40.2
.7
.1

28.5
8.7
33.5
28.4
.8

.1

25.6
9.3
35.6
28.5
.9
.1

12.1

12.1

28.2
13.8
8.6

28.5
13.9
8.8

.6
.1

24.4
5.3
39.1
30.4
.7
.1

26.5
5.9
38.1
28.6
.8

13.5

14.5

37.5
15.7
5.3

36.2
17.1
4.9

22.9
3.3
38.7

34.4

+

30.8
9.6
32.7
25.6
1.2

.1

28.3
11.3
33.8
25.3
1.2
.1

9.0

8.7

20.3
9.9
12.7

21.3
9.7
9.8

30.0
10.8
31.3
26.6
1.2

.1

27.3
11.5
33.3
26.5
1.3
.1

10.4

10.3

24.0
11.7
11.1

25.7
11.6

8.4

+

+

5.55
.16

.1

25.1
10.0
36.8
26.1
1.8
.2

25.8
9.3
35.9
27.1
1.8
.1

26.7
9.4
36.5
25.1
2.1
.2

27.3
8.0
36.5
26.3
1.8
.1

25.2
6.5
41.1
25.2
1.8
.2

25.7
6.0
39.5
26.9
1.7
.2

24.0
6.3
40.9
26.2
1.8
.8

23 1
55
41 4
27 4
16
1.0

29
30
31
32
33
34

7.8

7.5

7.1

6.9

7.5

7.1

7.1

7.0

7.6

7.5

35

17.7
8.5
16.8

18.4
8.2
13.8

15.0
7.7
22.8

15 0
74
20.4

15.8
8.1
22.6

15.7
7.7
20.8

14.6
7.8
20.5

15.1
76
17.2

15 3
83
22.3

15 1
89
18.6

38

1Banks reporting zero amounts were excluded in computing this average, and figures are not shown where there were fewer than three banks in a group.
2 Computed on the basis of actual net losses or recoveries (after adjustments for transfers to and from reserves for bad debts), rather than on the basis of figures furnished on the face of the Report of Earnings and Dividends.
NOTE: Balance sheet figures used as the basis for ratios are averages of amounts reported as of December 31, 1957, June 23, 1958, and September 24, 1958.

01