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 27,1964

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 1963, with comparative ratios for 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 OF MEMBER BANKS FOR THE YEARS 1963 and 19621— ELEVENTH FEDERAL RESERVE DISTRICT
Your bank
1962
1963
Number of banks in group

$500 and under
1962
1 9 63
6
7

$500- $1,000
1 9 63
1962
28
28

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
1 9 63
1962
1963
1962
1 9 63
1962
1 9 63
1962
1963
1962
1 9 63
1962
197
202
78
87
155
85
30
146
79
17
29
19

Over $100,000
1962
22
19

1 9 63

S U M M A R Y R A T IO S
P e rc e n ta g e o f T o ta l C a p it a l A c c o u n ts:

1.
2.
3.
4.

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

8.1
5 .0
3 .6
.5

6.6
4.6
2.8
3.0

8 .8
6 .5
4 .7
2 .7

9.7
7.7
5.9
2.3

1 0 .4
9 .5
7 .3
2 .8

12.1
10.9
8.4
3.2

1 3 .5
1 1 .0
8 .3
3 .3

14.2
11.7
8.8
3.5

1 4 .6
1 2 .2
9 .0
3 .4

15.2
12.2
8.8
3.4

1 6 .9
1 2 .7
9 .0
3 .6

17.2
12.9
8.8
3.3

1 2 .8
1 0 .6
7.1
3 .4

15.9
13.3
8.3
3.7

1 6 .7
1 2 .6
8 .3
3 .3

16.4
11.4
6.7
3.2

1 5 .6
1 3 .6
7 .8
4 .3

16.0
14.9
8.6
4.4

1
2
3
4

P e rce n ta g e o f T o ta l A sse ts:

5. Total operating revenue......................................................
6. Net current earnings..........................................................
7. Net income after taxes........................................................

5 .4 9
1 .0 4
.2 9

4.92
1.01
.40

4 .9 2
1 .1 9
.7 0

4.38
1.23
.76

4 .8 5
1 .2 5
.8 7

4.52
1.31
.90

4 .7 5
1.31
.8 0

4.51
1.34
.83

4 .6 2
1 .2 2
.7 5

4.40
1.23
.70

4 .9 4
1 .2 5
.6 7

4.70
1.26
.64

4 .2 6
1 .0 0
.5 5

4.30
1.19
.65

4 .2 2
1 .1 7
.5 7

3.86
1.12
.46

3 .9 3
1 .2 2
.61

3.76
1.29
.69

5
6
7

S O U R C E S A N D D IS P O S IT IO N O F E A R N IN G S
P e r c e n t a g e o f T o t a l O p e r a t in g R e v e n u e :

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........................................... 1 0 0 .0
12. Service charges on deposit accounts (Included in item 10) 2
13. Trust department revenue (Included in item 1 0 )2.............. .........
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 ntlipr evppinsps
19.
Total operating expenses.........................................
20. Net current earnings..........................................................
21. Net recoveries (losses — ) 3.................................................
22. Net decrease (increase — ) in valuation reserves................
23. Taxes on net income..........................................................
24. Net income after taxes........................................................
R A T E S O F E A R N IN G S O N S E C U R IT IE S A N D
P e r c e n ta g e o f S e c u r it ie s :

1 4 .8
.6
7 6 .8
7 .8

100.0

1 0 0 .0

7.7
—
39.1
1.3
6 .4
1 0 .7
2 1 .3
7 8 .8
2 1 .2
- 8 .1

17.2
.8
75.4
6.6
100.0

1 0 0 .0

19.3
3.2
70.4
7.1
100.0

4.6

6.0

5.2

—
49.3
2.6
5.0
7.5
18.1
82.5
17.5
-3.0

—

—
39.2
1.5
5.7
6.1
20.0
72.5
27.5
-4.3
-.8
5.0
17.4

1 9 .8
2 .5
69.1
8 .6

3 8 .8
2 .0
8 .2
6 .3
2 0 .8
76.1
2 3 .9
- 4 .8
- .1

4 .8
8 .3

5.9
8.6

4 .8
1 4 .2

2 0 .3
7 .0
6 4 .5
8 .2
1 0 0.0

5.7
—
3 5 .0
1 .8
1 2 .8
5 .9
1 8 .5
7 4 .0
2 6 .0
- 1 .1
- .7
5 .8
1 8 .4

21.2
7.2
63.5
8.1
100.0
5.5
—

36.0
1.6
9.8
5.7
17.6
70.7
29.3
-1.6
-1.1
6.2
20.4

1 0 0 .0

21.1
8.6
61.1
9.2
100.0

6.2
.2
3 1 .8

2 0 .7
8 .3
62.1
8 .9

1 .9
1 4 .6
5 .5
1 7 .7
7 1 .5
2 8 .5
- 2 .9
- 1 .8
6.1
1 7 .7

1 0 0 .0

17.0
7.6
62.4
13.0
100.0

7.7
.8

8.6
.5

30.0
2.1
16.7
5.8
16.8
71.4
28.6
-3.5
-1.7
6.8
16.6

27.1

1 0 0.0

20.5
9.4
60.0
10.1
100.0

6.6
.2

7.0
.1

32.5
1.7
12.5
5.3
17.6
69.6
30.4
-3.1
-1.7
6.5
19.1

2 9 .0

2 0 .2
8 .8
6 1 .3
9 .7

2 .0
1 9 .7
5 .7
1 6 .8
7 3 .2
2 6 .8
- 2 .3
- 1 .8
6 .0
1 6 .7

1 5 .9
8 .5
6 3 .6
1 2 .0

2 .4
2 1 .9
5 .6
1 7 .6
7 4 .6
2 5 .4
- 2 .9
- 3 .2
5 .6
1 3 .7

1 0 0 .0

19.1
6.8
63.0
11.1
100.0

9.4
1.2

6.1
2.1

28.7
2.2
18.2
5.7
18.3
73.1
26.9
-2.6
-4.0
6.5
13.8

2 6 .3

1 7 .2
7 .9
6 4 .6
1 0 .3

2 .9
2 5 .3
5.1
17.1
7 6 .7
2 3 .3
- 2 .0
- 2 .2
6 .2
1 2 .9

1 0 0 .0

19.6
4.9
66.1
9.4
100.0

1 0 0 .0

18.7
5.2
66.9
9.2
100.0

6.2
3.1

4.5
2.7

5.5
1.7

3.3
3.7

3.1
3.8

26.4
3.1
21.7
4.8
16.4
72.4
27.6
-.6
-3.0
8.6
15.4

2 4 .8

26.1
3.6
19.3
5.3
16.9
71.2
28.8
-1.1
-4.1
8.4
12.2

2 1 .5

22.1
3.0
21.2
3.4
15.8
65.5
34.5
.5
-2.7
13.5
18.8

17.1
5.1
6 8 .3
9 .5

3 .6
2 1 .7
4 .8
17.1
7 2 .0
2 8 .0
- 2 .4
- 4 .1
7 .6
1 3 .9

1 8 .5
5 .9
6 6 .2
9 .4

2 .9
2 4 .0
3 .7
1 6 .6
6 8 .7
3 1 .3
- 1 .0
- 2 .4
1 2 .3
1 5 .6

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

LO A N S

25. Interest and dividends on U. S. Government securities.......
26. Interest and dividends on other securities..........................
27. Net recoveries and profits (losses — ) on securities3.........

3 .4 6
6 .8 2

2.98
4.38
.16

3 .3 6
5 .0 2
.0 2

3.09
4.08
.03

3 .8 2
3 .6 6
.0 7

3.55
3.64
.07

3 .7 6
3 .2 9

3.72
3.06
.06

3 .9 0
2 .9 8
.0 5

3.45
2.94
.05

3.51
3 .0 2
.1 0

3.42
3.02
.15

3.31
2 .9 7
.0 7

3.29
2.98
.20

3.41
2 .8 6
.01

3.28
2.45
.22

3 .2 6
3 .0 2
.1 0

3.22
3.01
.36

25
26
27

5.49
-.14

28
29

P e rce n tag e o f T o ta l Loans (N e t):

28. Revenue on loans................................................................
29. Net recoveries (losses — ) on loans3..................................

6 .6 7
- 1 .0 4

6.24
-.83

8 .2 5
- .3 7

8.31
-.41

7 .7 5
- .1 9

7.67
-.24

7 .5 8
- .2 4

7.50
-.31

7 .2 2
- .2 6

7.18
-.35

7 .3 5
- .3 2

7.26
-.25

6 .3 4
- .1 9

6.62
-.19

6 .1 3
- .1 9

6.02
-.41

5 .6 9
- .1 8

D I S T R I B U T IO N O F T O T A L A S S E T S
P e rce n ta g e o f T o ta l A sse ts:

30.
31.
32.
33.

U. S. Government securities...............................................
Other securities..................................................................
Loans (net) ................................................................
Cash assets.........................................................................

2 1 .7

34.

Real estate assets .................................................................................

1.0

35. All other assets.............................................................. .....

.1

O TH ER

.5
4 7 .9
2 8 .8

23.5
.7
45.1
30.2
.5

.2

26.5
4.2
38.1
30.3
.7
.2

2 5 .8
3 .2
4 2 .6
2 6 .7
1.5

2 4 .7

.1

25.8
10.1
37.3
25.6
1.1
.1

.1

24.9
12.9
37.0
23.5
1.6
.1

2 4 .7
9 .7
4 1 .2
2 3 .0
1.3

1 2 .2
3 9 .4
2 2 .0
1 .6

.2

24.4
13.8
37.6
22.5
1.6
.1

2 3 .8
1 3 .8
3 9 .9
2 0 .6
1 .7

2 2 .2

.3

23.0
11.3
41.2
22.2
2.1
.2

7 .7

2 1 .8
1 3 .5
4 3 .3
1 9 .2
1 .9

2 0 .3

.3

24.6
9.9
41.3
21.7
2.3
.2

7.7

8 .2

8.0

14.5
8.5
29.9
3.10

1 4 .6

15.4
8.8
29.8
3.36

1 1 .4
4 3 .7
1 9 .9
2 .5

2 1 .4

.4

23.2
8.3
42.8
23.4
2.1
.2

7.1

7.0

7 .8
4 7 .0
2 2 .5
2 .0

.7

20 9
6.7
45 8
23 7
20
.9

30
31
32
33
34
35

7 .9

8.1

36

14.7
9.0
27.5
3.19

37
38
39
40

8 .0
4 5 .8
2 2 .0
2.1

R A T IO S

36. Total capital accounts to total assets.................................
37. Total capital accounts to total assets less
Government securities and cash assets....................

1 9 .6

15.1

1 4 .7

13.2

1 2 .5

11.4

1 0 .2

9.7

8 .4

8.2

4 3 .0

T im e deposits to total deposits.........................................................

1 1 .9

19.7
10.9
20.2
3.07

1 6 .2

3Q.

24.5
13.1
16.3
3.00

1 9 .9

2 7 .2

33.0
15.7
11.1
2.57

2 5 .2

Total capital accou n ts to total deposits........................................

33.5
18.0
11.6
2.87

3 2 .7

33.

16.5
9.1
25.2
3.13

40. Interest on time deposits2...................................................
For notes see back page.

4 .3 9

1 8 .4
1 3 .8
3 .5 8

1 4 .7
1 9 .6
3 .4 5

1 1 .5
2 2 .5
3 .5 0

9 .2
2 8 .2
3 .4 9

1 3 .4
8 .5
3 4 .9
3 .3 6

9.1
3 3 .5
3 .4 9

1 2 .5
7 .7
3 0 .2
3 .3 0

13.2
7.6
27.7
2.95

14.1
8 .9
3 2 .2
3 .2 5

NOTES FOR TABLE
1Each of the 1963 ratios represents an average of the ratios of individual hanks com­
puted from data taken from reports of condition as of December 28, 1962, March 18,
1963, and June 29, 1963, and from reports of income and dividends for the year 1963.
Figures used as the basis for the 1962 ratios are averages o f amounts taken from
reports of condition as of December 30, 1961, March 26, 1962, and June 30, 1962, and
from reports of income and dividends for the year 1962. In order to maintain com­
parability with the 1963 ratios, March 26 data have been substituted for September 28
figures in computing the 1962 ratios; hence, the 1962 ratios reflect slight differences
from those shown in the March 22, 1963, statement of member bank operating ratios.
2Banks reporting zero amounts were excluded in computing this average, and figures are
not shown where there were fewer than three banks in a group.
3Computed on the basis of actual net losses or recoveries (after adjustments for trans­
fers to and from reserves for bad debts), rather than on the basis of figures furnished
on the face of the Report of Income and Dividends.
NOTE: Details may not add to totals because of rounding.