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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 22,1963

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 Reserve
District for 1962, with comparative ratios for 1961. Each of the 1962 ratios
represents an average of the ratios of individual banks computed from
data taken from reports of condition as of December 30, 1961, June 30,1962,
and September 28, 1962, and from reports of income and dividends for the
year 1962. 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)

OPERATING RATIOS O F MEMBER BANKS FOR THE YEARS 1962 and 1961 — ELEVENTH FEDERAL RESERVE DISTRICT
Your bank
1962
1961
Number of banks in group

$500 and under
1962
1961
5
7

$500 - $1,000
1962
1961
29
31

BANKS WITH AVERAGE DEPOSITS (in thousands of dollars)
$1,000 - $2,000
$2,000 - $5,000 $5,000 - $10,000 $10,000 $25,000 $25,000 - $50,000 $50,000-$100,000
1962
1962
1961
1961
1962
1962
1961
1961
1962
1962
1961
1961
84
206
99
207
141
84
142
74
29
29
19
17

Over $100,000
1961
1962
18
19

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

6.4
4.7
2.9
3.1

8.8
6.7
5.0
3.0

9.4
7.3
5.6
2.3

9.8
7.2
5.1
2.7

4.58
.92
.37

Net current earnings...........................................................
Net income before related taxes..........................................
Net income after taxes.........................................................
Cash dividends declared.....................................................

5.24
1.44
.79

4.40
1.21
.72

4.37
1.24
.61

12.0
10.7
8.2
3.2

12.0
10.2
7.4
3.4

13.8
11.5
8.6
3.3

13.5
11.3
8.1
3.4

14.9
12.1
8.8
3.4

14.9
12.3
8.3
3.3

16.6
12.7
8.6
3.2

15.2
11.9
7.6
3.3

15.8
13.2
8.2
3.6

15.6
14.2
8.5
3.6

16.1
11.2
6.6
3.2

15.8
12.9
7.5
3.5

15.9
14.8
8.5
4.3

17.2
16.8
9.7
4,4

1
2
3
4

Percentage of Total Assets:
5. Total operating revenue.......................................................
6. Net current earnings...........................................................
7. Net income after taxes.........................................................

4.38
1.29
.87

4.34
1.31
.82

4.45
1.32
.82

4.27
1.28
.76

4.39
1.23
.72

4.27
1.24
.69

4.67
1.23
.65

4.39
1.14
.59

4.28
1.19
.65

4.11
1.21
.66

3.86
1.11
.46

3.63
1.10
.53

3.74
1.28
.69

3.64
1.39
.78

5
6
7

SOURCES AND DISPOSITION OF EARNINGS
Percentage of Total Operating Revenue:
8. Interest and dividends on:
a. U. S. Government securities............................................
b. Other securities .............................................................
9. Revenue on loans.................................................................
10. All other revenue.................................................................
11.
Total operating revenue............................................
12. Service charges on deposit accounts ( Included in item 10)
13. Trust department revenue (Included in item 10)1............
14. Salaries and wages...............................................................
15. Pension, hospitalization, social security taxes, etc.............
16. Interest on time and savings deposits..................................
17. Net occupancy expense of bank premises..........................
18. All other expenses...............................................................
19.
Total operating expenses..........................................
20. Net current earnings..... ......................................................
21. Net recoveries (losses • ) 2
— .................................................
22. Net decrease (increase — ) in valuation reserves..............
23. Taxes on net income...........................................................
24. Net income after taxes.......................................................

100.0

18.5
.4
76.3
4.8
100.0 100.0
■- • -48.0
1.5
4.1
8.8
18.2
80.6
19.4
- 2.5
■ ■
-6.7
10.2

15.7
.7
75.2
8.4
100.0
4.2
—

43.9
2.1
2.8
6.3
19.1
74.2
25.8
-5.4
—

4.7
15.7

19.2
3.2
70.2
7.4
100.0
5.2
•
—
40.0
1.7
5.7
5.9
20.3
73.6
26.4
- 4.1
-.8
4.8
16.7

18.4
3.4
70.5
7.7
100.0
4.8
—
39.7
1.4
5.2
5.7
19.9
71.9
28.1
-4.8
-2.0
6.4
14.9

21.3
7.0
63.7
8.0
100.0
5.3
—
36.1
1.6
9.5
5.6
17.3
70.1
29.9
- 1.9
- 1.2
6.3
20.5

21.0
7.6
62.4
9.0
100.0
6.2
—
36.9
1.5
8.3
5.7
17.2
69.6
30.4
-3.5
-.4
7.2
19.3

21.0
8.7
61.2
9.1
100.0
6.6
.1
32.6
1.7
12.3
5.4
17.6
69.6
30.4
- 3.0
- 1.7
6.5
19.2

21.5
8.8
60.3
9.4
100.0
6.8
1.1
34.0
1.7
10.0
5.8
17.8
69.3
30.7
-2.9
-1.7
7.6
18.5

20.8
9.1
59.8
10.3
100.0
7.8
.6
30.1
2.0
16.5
5.8
17.0
71.4
28.6
- 3.4
- 1.5
6.6
17.1

20.1
9.2
60.1
10.6
100.0
7.8
1.2
31.8
2.0
13.4
6.0
17.3
70.5
29.5
-3.0
-1.8
8.1
16.6

16.9
8.0
62.3
12.8
100.0
9.3
1.2
28.5
2.3
18.9
5.5
18.1
73.3
26.7
- 1.8
- 4.1
6.7
14.1

17.4
7.7
61.4
13.5
100.0
10.0
.9
31.2
2.1
15.4
6.3
18.8
73.8
26.2
-2.5
-2.4
7.6
13.7

19.0
6.7
63.2
11.1
100.0
6.1
3.1
26.3
3.1
21.6
4.8
16.4
72.2
27.8
-.9
- 2.8
8.6
15.5

19.2
6.2
62.3
12.3
100.0
7.0
3.3
28.7
3.0
16.0
6.0
16.7
70.4
29.6
-.3
-2.1
10.9
16.3

19.6
4.9
66.1
9.4
100.0
5.5
1.7
26.1
3.6
19.3
5.3
16.9
71.2
28.8
- 4.1
- 4.1
8.4
12.2

17.8
4.7
67.5
10.0
100.0
5.5
2.0
27.7
3.8
14.8
5.6
18.1
70.0
30.0
-3.6
-1.4
10.5
14.5

18.7
5.2
66.9
9.2
100.0
3.1
3.8
22.1
2.9
21.2
3.5
15.8
65.5
34.5
.5
- 2.6
13.6
18.8

18.6
4,9
67.3
9.2
100.0
3.3
3.8
22.7
2.9
17.0
3.3
15.5
61.4
38.6
2.6
-3.2
15.9
22.1

8
a
b
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24

RATES OF EARNINGS ON SECURITIES AND LOANS
Percentage of Securities:
25. Interest and dividends on U. S. Government securities....
26. Interest and dividends on other securities..........................
27. Net recoveries and profits (losses — ) on securities2
..........

3.40
5.29
.29

3.48
6.48
—

3.06
3.80
.02

3.15
4.12
.05

3.55
3.49
.04

3.42
3.49
.06

3.63
2.99
.06

3.59
3.02
.04

3.49
2.83
.03

3.35
2.83
.13

3.41
2.93
.15

3.17
2.82
.14

3.29
2.81
.20

3.07
2.77
.38

3.25
2.34
.21

2.96
2.30
.14

3.24
2.89
.35

2.85
2.88
.82

25
26
27

7.68
-.7 6

8.37
-.59

8.30
-.4 7

7.79
-.54

7.52
-.23

7.52
-.33

7.45
-.3 0

7.26
-.32

7.11
-.3 5

6.98
-.34

7.11
-.21

6.79
-.31

6.60
-.1 9

6.29
-.21

5.91
-.4 0

5.76
-.38

5.46
-.1 3

5.51
-.23

28
29

Percentage of Total Loans (N e t):
28. Revenue on loans.................................................................
29. Net recoveries (losses ■ ■ on loans2
—)
..................................

DISTRIBUTION OF TOTAL ASSETS
Percentage of Total Assets:
30.
31.
32.
33.
34.
35.

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

21.8
.4
45.5
31.7
.5
.1

19.9
.8
46.5
32.1
.7
—

26.2
4.1
37.9
31.0
.7
.1

24.4
4.4
40.1
30.3
.7
.1

25.0
10.0
37.7
26.2
1.0
.1

24.9
10.8
36.7
26.2
1.3
.1

24.6
12.8
37.1
23.8
1.6
.1

24.8
12.6
35.9
25.0
1.6
.1

24.5
13.7
37.7
22.3
1.7
.1

24.0
13.4
37.6
23.3
1.6
.1

22.6
12.0
41.6
21.5
2.1
.2

23.4
11.4
40.4
22.6
2.0
.2

24.4
10.2
41.3
21.6
2.3
.2

24.9
9.4
40.9
22.0
2.5
.3

23.1
8.4
43.3
22.9
2.1
.2

21.8
8.4
43.0
24.4
2.0
.4

20.7
6.9
45.8
23.7
2.0
.9

22.8
6.4
44.4
23.7
2.0
.7

30
31
32
33
34
35

15.4

15.9

13.2

12.6

11.3

11.5

9.9

9.7

8.4

8.6

7.8

7.7

8.1

8.1

7.1

7.2

8.1

8.2

36

34.4
18.3
9.2
2.52

34.4
19.2
8.4
2.61

32.5
15.5
11.8
2.52

29.7
14.6
9.7
2.64

24.2
12.9
16.2
2.78

24.8
13.2
15.2
2.62

20.0
11.1
20.6
2.89

20.3
10.9
17.9
2.61

16.8
9.2
25.1
3.06

17.5
9.5
23.0
2.69

14.4
8.6
31.6
3.02

14.7
8.5
29.0
2.55

15.4
8.9
30.2
3.28

15.8
8.9
27.7
2.60

13.1
7.7
28.4
2.86

13.5
7.8
26.2
2.29

14.8
9.1
28.0
3.12

OTHER RATIOS
36. Total capital accounts to total assets.................................
37. Total capital accounts to total assets less
Government securities and cash assets.................
38. Total capital accounts to total deposits.............................
39. Time deposits to total deposits...........................................
40. Interest on time deposits1...................................................

For notes see back page.

15.5
37
38
9.1
39
26.3
2.58 1 40

NOTES FOR TABLE
1 Banks 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 o f actual net losses or recoveries

(after adjustments fo r
transfers to and from reserves fo r bad debts), rather than on the basis o f figures
furnished on the face o f the Report o f Income and Dividends.

N O T E : 1. Balance sheet figures used as the basis fo r ratios are averages o f amounts
reported as o f December 30, 1961, June 30, 1962, and September 28, 1962.2
2. Details may not add to totals because o f rounding.

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