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This publication was digitized and made available by the Federal Reserve Bank of Dallas' Historical Library (FedHistory@dal.frb.org) Selected Operating Wos of Member Banks ELEVENTH FEDEF HESERVE DISTRICT JANUAR ; g y : :— : ----------- :---- —---- ----------------------------------- $500 - 15999 N u m b e r o f b a n k s in TO TOTAL $1,000 - $1,999 g o - $4,999 1949 group 1950 1949 1950 1949 1950 20 1950 23 61 74 126 3 .5 7 8 .9 3 2 .5 TOTAL C A P IT A L 11.4 3.4 78.3 33.0 16.1 4 .4 7 0 .9 3 2 .0 17.1 4.3 69.9 30.5 20.1 TOTAL 1949 1950 1949 1950 1949 1950 1949 1950 212 102 85 51 45 24 21 10 11 12 10 625 618 20.2 j.2 23.5 7.1 2 0 .5 2 2 .7 29.7 4.4 2 8 .3 22.0 2 0 .5 4 .2 3.4 5 .8 5 1 .9 5 5 .3 3 0 .6 2 4 .8 57.3 26.6 6 1 .9 2 8 .9 51.2 29.0 32.3 3.3 47.1 28.1 2 4 .7 5 9 .9 27.2 5.8 50.5 31.2 2 4 .4 57.7 29.7 22.9 7.0 56.4 28.7 10.0 6.0 6 .3 10.2 5.8 5 .8 8.8 5.1 4 .3 1 9 .6 l O .s j - O 6.6 7.9 w 38.5 14.9 3 6 .8 33.1 11.2 3 2 .8 11.1 3 5 .6 33.7 3 6 .7 36.5 4 7 .5 6 .3 8 .8 • ASSETS ° 'U 6 .2 2 9 .9 6.1 55.1 3 0 .8 5.1 5 5 .8 2 .4 3 0 .6 1 a. 22 1 6 1 b. 2 60 0 29.8 3 s 9.8 6.6r D E P O S IT S E A R N IN G 1 1949 3 137 29.6 * ? “■ 1 5 .2 TO All banks 1950 3 1 .5 9 .0 4 2 .4 R A T IO S $50,000-$99,999 $100,000 and over 1949 63.2 V 8.6 6.8 5.1 TOTAL $10,000-$24,999 $25,000-$49,999 1950 6 3 .6 ACCOUNTS 8 .4 TO $9,999 1949 5 .9 4. Net current operating earnings before income R A T IO S $5,000 t 1 1 .3 TO 1949 jjO E A R N IN G S 1. Interest and dividends on: R A T IO S AND 1949 W IT H JUNE 30 DEPOSITS (in thousands o f dollars) Y O U R BAN K Under $500 R A T IO S .!fr'V95 8. U. S. Government securities............................. 11.6 7.8 31.5 f 8.7 31.3 7.1 44.ljL _ 51.1 11.8 9.6 12.8 7.5 10.1 29.9 6.0 3 1 .8 5 .0 32.5 5.3 3 2 .9 5 .6 31.6 5.6 3 1 .4 6.1 31.8 6.1 3 1 .4 6 .0 51.2 50.8 5 1 .5 54.3 5 0 .3 54.6 5 7 .2 57.7 7 .0 29.9 6 .3 8.6 6.9 3.4 1 0 .3 34.0 6.7 3 2 .7 6.2 4 6 .0 45.9 7 .5 4 11.0 7.3 5 7 .7 31.8 7.9 7 4 8 .2 47.5 8 6 .9 6 r—Revised. EXPLANATION The basic data used in the compilation of the ratios were taken from reports fur nished by member banks. The asset and liability items were taken from member bank condition reports of June 30, 1950, and June 30, 1949. Earnings and expense items are the amounts reported by member banks for the first 6 months of each year. Banks were grouped according to the amount of their total deposits at the end of June of each of the 2 years. Group ratios are expressed in percentages and are averages of the ratios of the individual banks. This procedure prevents the data for the larger banks in a group from exercising an undue influence on the ratios of the group and on the ratios for all banks. Inasmuch as there should be about as many banks above the average as there are below it, the group averages should not be considered as stand ards” of performance. It is not important that the ratios of your bank conform to the average, but it is important to know the reasons for the differences. Ratio No. 4— Net current operating earnings to total capital accounts The ratio is computed by dividing total capital accounts (capital, surplus, undivided profits and reserves, including retirement account for preferred capital) into net current operating earnings and shows the rate of earnings on total capital accounts. Because this report covers earnings for a half year only and because total capital accounts of most banks remain relatively fixed through the year, the ratio of net current operating earn ings to total capital accounts shown in this report is smaller than for the full year 1949. Ratio No. 5—Net profits after income taxes to total capital accounts The ratio is computed by dividing total capital accounts into net profits after income taxes. It is similar to ratio No. 4, except that adjustment has been made for losses and recoveries and for the payment of income taxes. Ratio No. la— Interest on Government securities to total earnings The ratio is computed by dividing total earnings into earnings from interest on Government securities and shows the percentage of total earnings derived from that source of income. Ratio No. lb __Interest and dividends on other securities to total earnings The ratio is computed by dividing total earnings into earnings from interest and dividends on other securities and shows the percentage of total earnings derived from other security holdings. Ratio No. 2—Interest and discount on loans to total earnings Ratio No. 6— Cash assets to total deposits The ratio is computed by dividing total deposits into cash assets (item 1 in the call report, which includes cash, balances with other banks including reserve balances and cash items in process of collection). The ratio shows the percentage of total deposits held in the form of cash assets. Ratio No. 7— Total capital accounts to total deposits The ratio is computed by dividing total earnings into earnings from interest and discount on loans and shows the percentage of total earnings derived from interest and discount on loans. The ratio is computed by dividing total deposits into total capital accounts and shows total capital accounts as a percentage of total deposits. Ratio No. 3—Salaries and wages to total earnings The ratio is computed by dividing total earnings into the amount spent on salaries and wages of officers and employees and shows the percentage of total earnings absorbed by the payment of all salaries and wages. Ordinarily, this is the largest item of expense at member banks. The ratio tends to decline as the size of the bank increases. Ratio No. 8— -United States Government securities to total earning assets The ratio is computed by dividing total earning assets into holdings of United States Government securities. In this study, total earning assets include all loans and all types of security holdings.
