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CROSS SECTIONS

of the Fourth Federal R eserve District

FOUR ECO N O M IC A R EA S
Including 22 counties

I. NORTHWESTERN OHIO




A . TO LED O metropolitan area (p. 2)
8.

LIM A metropolitan area (p. 5)

t . FREMONT-BRYAN town-and-country area (p. 6)

CROSS SECTIONS of the Fourth Federal Reserve District
(1) NORTHWESTERN OHIO: Four Economic Areas including 22 Counties

EDITOR’S NOTE: This article on Northwestern
Ohio is the first of a series of five articles analyzing
the economic activity of the various areas of the
Fourth Federal Reserve District, both in terms of cur­
rent standings and relative rates of growth.
The second article, to appear in an early issue, will
deal with the Cleveland and Lake Erie section, com­
posed of 6 metropolitan areas and 3 town-and-country
areas. The third article will apply to Pittsburgh,
Youngstown and the Upper Ohio Valley, comprising
5 metropolitan areas and 4 town-and-country areas.
The fourth article will deal with Central and South­
western Ohio; the fifth and final article will apply to
Eastern Kentucky.
Each economic area discussed in the text is com­
posed of one or more counties. The “ metropolitan”
areas are those which conform to the official Census
designation of Standard Metropolitan Areas; in each
case there is a central city of at least 50,000 popula­
tion. Although many of the metropolitan areas such as
Toledo and Lima, which are treated in the present
article, are limited to one county each, certain metro­
politan areas such as Cleveland or Pittsburgh have
two or more counties.
The "town-and-country” areas are composed of a
number of adjoining counties (sometimes 10 or more)
which have been grouped according to relative homo­
geneity as to industrialization, type of agriculture,
levels of income, etc. Although cities in these areas
are not as large as 50,000, the town-and-country areas
usually include a number of important population
centers in the range from 5,000 to 50,000. For a list of
the 19 metropolitan areas and the 15 town-and-country areas of the Fourth District, with the counties
included in each, see Table 5 at the end of this article.
For each area, a selection of information (which
is the most recent available on a consistent basis)
is summarized for the population, manufacturing,
finance, agriculture and trade of the area, and ranks
are assigned to the standings of the areas among the
total array of the Fourth District. Comparable bench­
mark information is provided for the state of Ohio,
the Fourth District in total, and the United States in
total.
For further information on methods of classifica
tion, reference may be made to the Appendix of this
article. Specific sources of information provided in
the master table, i.e. Table 4, are listed at the bottom
of that table.

2




Area A.

TOLEDO Metropolitan Area
(Lucas County)

(gi American Map Co., Inc., N. Y.

The metropolitan area of Toledo, comprising
the central city as well as the remainder of
Lucas County, Ohio, has an estimated popula­
tion of 451,000 as of early 1956.(1) That makes
it the 8th largest among the 19 metropolitan
areas of the Fourth Federal Reserve District.
(See Table 1.) In terms of population per
square mile, however, the area ranks as 3rd
among the 19 metropolitan areas.
The central city accounts for a population
of about 329,000, making Toledo the fourth
( i ) The estimate applies to April 1, 1956, and is based in part
upon local estimates made by the Ohio Department of Liquor
Control. Estimates for the various areas treated here were
made on a uniform basis; they may be found to vary in particu­
lar instances from other well authenticated current estimates
for particular areas.

largest city o f Ohio. Also included in the
metropolitan area is the city of Maumee, with
9,000, and several villages of which the largest
are Ottawa Hills and Sylvania, each with
somewhat over 3,000 population.
The area’s growth in population between
1950 and 1956 amounted to 14 percent, for a
rank of 9th among the Fourth District’s 19
metropolitan areas.

Toledo as a Port
Toledo’s port facilities have always been of
strategic importance. For some years the
facilities have admitted ocean-going vessels,
and, more recently, plans have been under
way for taking advantage of the greater op­
portunities to be offered by the development
o f the St. Lawrence Seaway.
In total tonnage of Great Lakes shipping,

Table 1

POPULATION OF ALL 19 METROPOLITAN AREAS *
(listed in order of total population)

Area

Pittsburgh...................................................
Cleveland...................................................
Cincinnati..................................................
Youngstown...............................................
Columbus...................................................
Dayton........................................................
Akron...........................................................
T O L E D O ..................................................
Wheeling-S teubenville............................
Canton........................................................
Erie..............................................................
Lorain-Elyria............................................
Hamilton - Middletown..........................
Springfield..................................................
New Castle.................................................
Lexington...................................................
Mansfield....................................................
L IM A ..........................................................

Population as
of Jan. 1 ,1 9 5 6
(000 omitted) RANK
2,367
1,673
1,035
591
590
544
466
451
363
321
264
240
174
172
128
115
113
107
100

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19

Population
Per sq. mi.

775
2,440
1,418
344
1,098
618
1,129
1,314
237
560
188
295
351
365
318
170
404
215
245

RANK
6
1
2
12
5
7
4
3
16
8
18
14
11
10
13
19
9
17
15

Growth
1950-56

+ i 5 v;
+15%
+12%
+ 17%
+19%
+ 14%
+ 14%
+ 3%
+ 13%
+ 8%
+ 9%
+ 17%
+ 17%
+ 15%
+ 10%
+ 13%
+ 17%
+ 14%

RANK
18
7
8
14
2
1
11
9
19
12
17
16
3
5
&
15
13
4
10

*Not to be confused with populations of corporate cities. Each of these metropolitan areas is composed of one
or more entire counties. E.g., Pittsburgh area includes 4 counties; Cleveland area includes 2 counties; Toledo
area includes all of Lucas county; Lima area includes all of Allen county. (Only two of the listed areas, Toledo
and Lima, are under detailed consideration in this article.)




3

Toledo ranks first in the state; more soft coal
is shipped than from any other port of the
world, and shipments of iron ore, lumber and
grain also rank high. The city is an important
rail and truck center, with terminals linking
with the port facilities.

Manufacturing
Manufacture of auto parts, motor-vehicle
assembly, glass-making, and oil refining are
Toledo’s outstanding industries, but numer­
ous other lines, especially of the hard-goods
variety, are significant. Large plants, employ­
ing 500 or more workers each, are in the fol­
lowing product lines: motor vehicles, auto
parts, glass, oil refinery products, precision
tools, machinery, scales, hardware, pumps and
compressors, steel and nonferrous castings,
pig iron, rubber products and plastics.
The Toledo area’s monthly payrolls for all
insured employment, during the first quarter
of 1956, amounted to $50 million, for a rank
of 8th among the Fourth District’s 19 metro­
politan areas.<2)
According to the Census o f Manufactures
for 1954, the value added by manufactures in
the area amounted to $536 million for that
year— also a rank o f 8th. (This refers to value
o f manufactured products excluding value of
raw materials used.) The Toledo area’s rank
is higher, i.e. 3rd place among 19, in respect
to value added per manufacturing employee.
(See Table 4, item 6.) Between 1947 and 1954,
the value added by manufactures o f the area
rose by 36 percent, for a rank o f 13th among
the District’s 19 metropolitan areas.

Finance
Toledo is an important banking center. The
area ranks somewhat higher in respect to the
demand deposits o f commercial banks than it
does in the volume o f savings accounts. Thus,
the $347 million o f demand deposits at com­
(*) Insured employment refers to employment covered by state
unemployment compensation systems. Agricultural employment
and a few other important types of employment are excluded.

4




mercial banks of the area, as of December 31,
1955, were the equivalent of $770 per capita,
for 4th rank among the 19 metropolitan areas
of the Fourth District. Growth in demand
deposits between year-end 1950 and year-end
1955 amounted to 33 percent, ranking 6th
among the 19 metropolitan areas.
Savings accounts (indicated by time de­
posits at commercial banks and mutual sav­
ings banks plus withdrawable shares o f savings-and-loan associations) amounted to $666
per capita, as o f December 31, 1955; that
represented a rank o f 8th among the 19 metro­
politan areas.(3) W ith respect to growth in
such savings accounts between year-end 1950
and year-end 1955, the Toledo area ranked
13th among the 19 metropolitan areas.

Retail Trade
Retail trade in the Toledo metropolitan
area, when measured on a per capita basis, is
outstandingly large. Thus the area ranks 4th
among the 19 metropolitan areas of the
Fourth Federal Reserve District in regard to
retail sales per capita for the Census year,
1954. The city of Toledo has a wide trading
area, and the limits of the “ metropolitan
area” (which governs the population figure
used in per capita computations) are rela­
tively narrow.
Growth in retail sales between 1948 and
1954, however, was relatively low in the To­
ledo area, which in this respect ranked 17th
out of the 19 metropolitan areas of the Fourth
District. The percentage growth should be in­
terpreted as a gain from an already high level
of sales. In this connection, it should also be
remembered that the Census year 1954 hap­
pened to be a year of mild industrial reces­
sion ; Toledo felt its full share of the effects of
this temporary factor, as is indicated by some
of the manufacturing statistics cited above.
(3) This should not be confused with a measure of total per­
sonal savings, since it fails to include many important forms
of personal savings such as securities, insurance policies and
pension equities. The item is used here as a partial indicator
of savings trends; it was selected because of the availability
of consistent data on a county-wide basis.

Area B.

LIMA Metropolitan Area
(Allen County)

- © Ameflwn Map Co., in't:',' N.Y

The growth of industry and population in
the city o f Lima and the surrounding Allen
county has brought about a change in official
Census classification within the past decade,
so that Lima is now one of the Standard
Metropolitan Areas o f the nation.U)
Allen county has an estimated population of
about 100,000, as of early 1956. The city o f
Lima has about 56,000. Delphos has nearly
7,000 population (most o f which is in Allen
county) and the villages in the remainder of
the county are smaller.
During quite recent years, the area’s growth
in population has not been outstanding. Thus,
between 1950 and 1956 the area’s number in­
creased by 14 percent, for a rank o f 10th
among the Fourth District’s 19 metropolitan
areas. In terms o f population per square mile
in 1956, the area ranked 15th among the 19
metropolitan areas o f the District.

Manufacturing
Most of Lima’s manufacturing is on the
hard-goods side. Plants employing more than
100 workers, each, include the following, in
approximate order of number o f employees:
electric motors, construction machinery, air(*) The change in classification occurred in 1952; previously,
Allen county had been included within an 11-county nonmetropolitan area, the other 10 counties of which appear here
under the name of the “ Marion-Findlay” town-and-country




craft engine parts, school-bus bodies, metal­
working machinery, electrical instruments,
precision tools, neon signs, enamel products,
truck trailers, and bearings. A large new auto­
engine plant is being built.
Soft-goods manufacturing in the Lima area
includes plants employing more than 100 as
follows: oil refining, cigars, woolen fabrics
and rubber products.
The Lima area has 130 manufacturing em­
ployees for each thousand of its population,
in this respect ranking 15th among the Fourth
District’s 19 metropolitan areas. The area
holds the same rank in regard to the growth
in value added by manufactures between 1947
and 1954— a growth which amounted to 33
percent.

Tops in Savings
The Lima area ranks first among the 19
metropolitan areas of the District in savings
accounts per capita, as of December 31, 1955.
The figure is $1,510 per capita. (It refers to
time deposits at commercial banks and mutual
savings banks plus withdrawable shares of
savings-and-loan associations.) The Lima area
has for a long time been outstanding in this
respect. The growth in such savings accounts
between 1950 and 1955, however, was not as
large as in some other areas; with a 51 percent
growth figure, the Lima area ranked 9th in
rate of growth among the 19 metropolitan
areas.
In respect to demand deposits per capita
(at commercial banks) the area ranks 15th
out of 19. In growth in demand deposits be­
tween 1950 and 1955, the Lima area ranked
12th.

Retail Trade
The Lima area ranks 9th among the 19
metropolitan areas of the District in respect
to retail sales per capita, as of 1954.
The area’s growth in retail sales between
1948 and 1954 amounted to 23 percent, which
was below the Ohio average, and which placed
the area in 14th rank among the 19 metro­
politan areas.
5

Area 1.

FREMONT-BRYAN Area
(10 counties)

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The Fremont-Bryan area, comprising 10
counties in the Northwest corner o f Ohio, is
the eastern gateway o f the nation’s great
“ corn belt.” It is a rich agricultural area,
with a growing but not dense population, and
a developing industrial pattern.
O f the fifteen town-and-country areas of
the Fourth Federal Reserve District, the Fre­
mont-Bryan area ranks 9th in population per
square mile, but 5th in growth in population
during the interval between 1950 and 1956.
(See Table 2.)
Most of the cities or villages o f the area are
of moderate size. The largest is Fremont,
about 18,400, followed by Bowling Green (a
university town) with nearly 14,000, Defiance
6




with 13,300 and Van Wert with 11,200. (Pop­
ulation estimates are as of early 1956.)
Smaller centers, ranging from about 7%
thousand down to about 4 thousand, in or­
der of size, are: Bryan, Port Clinton, Napo­
leon, Perrysburg, Clyde, Rossford, Mont­
pelier, and Wauseon.

Tops in Agricultural Income
The Fremont-Bryan area ranks first among
the 15 town-and-country areas o f the Fourth
Federal Reserve District in respect to all
three of the basic measures o f agricultural
income which have been selected for purposes
o f this cross-section survey. (See Table 3 or
Table 4.) Thus, the average farm income

of $58.69 per acre, according to the most re­
cent Census o f Agriculture, was highest for
any town-and-country area. Measured on a
per-farm basis, agricultural income for the
area amounted to $7,227, also a top figure.
And finally, in terms of change in farm in­
come between the two Census years o f 1949
and 1954, the Fremont-Bryan area showed
the largest increase o f any o f the 15 townand-country areas o f the Fourth District,
with a growth in farm income amounting to
32 percent.
The land in most o f the area is well suited
to the growing o f grain crops such as corn,
wheat, oats, and soybeans. Even though corn
and wheat together comprise only one-fourth
o f all cash income, more farm land is planted
in these crops than in any other. Much o f the
grain is used as feed for dairy cows, hogs,
poultry, and beef cattle; in large measure the
grain shows up in cash income indirectly,
from the marketing of livestock and livestock
products. Agriculture in the area is marked

by the prevalence of crop rotation and the
use of other up-to-date techniques of farming,
including a heavy investment in machinery.
A basic cash crop in this area is soybeans,
which accounts for over 15 percent o f the in­
come from agricultural products; in fact,
all six o f the leading soybean counties of
Ohio are located in this area. Dairying rep­
resents 14 percent of the cash income and is
the most important source of agricultural
income in Ottawa and Sandusky counties.
Com and hogs combined bring in about 26
percent, and wheat 12 percent, o f the total
farm income of the area. Fulton, Putnam,
and Williams counties derive nearly 35 per­
cent of their agricultural income from the
sales o f hogs and poultry. (Although these
percentages apply to the year 1954, the basic
pattern does not change much from year to
year.)
Sandusky and Ottawa counties along Lake
Erie harvest large crops of peaches, apples,
grapes and other fruits.

(Fremont-Bryan area continued on page 10)

Table 2

POPULATION DENSITY AND GROWTH OF
ALL 15 TOWN-AND-COUNTRY AREAS
(listed in order of density)

Population
Per sq. mi.

Ashtabula-Kent (O .)...................................
Butler-Kittanning (Pa.)..............................
East Liverpool-Cadiz (O .).........................
Uniontown-Waynesburg (Pa. & W . Va.)
Sandusky-Ashland (O .)...............................
Zanesville-Newark (O .)..............................
M AR IO N -FIN D L A Y (O .).......................
Piqua-Delaware (O .)...................................
FR EM ONT-BRYAN (O .)........................
Middlesboro-Hazard (K y .).......................
Oil City-Meadville (Pa.)............................
Chillicothe-Hillsboro (O .).........................
Portsmouth-Marietta (O .).........................
Richmond-Maysville (K y .).......................
Somerset-Morehead (K y .).........................




123
117
116
114
108
96
86
81
80
77
70
68
65
54
42

RANK
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15

Growth
1950-56

+17%
+ 5%
+ 12%
+ 1%
+15%
+11%
+13%
+14%
+12%
-1 4 %
+ 4%
+12%
+ 9%
+ 4%
— 8%

RANK
1
10
7
13

2
8
4
3
5
15
11
6
9
12
14

7

Tafc

BASIC ECONOMIC FACTS ABOUT FOUR EC
METROPOLITAN

Area A

TOLEDO
(1 county)

R
A
N
K

(1 county)

R
A
N
K

Area B

LIMA

POPULATION
1. Population, Jan. 1, 1956................................................................
2. Population per sq. mile, Jan. 1, 1956.........................................

451
1,314

8
3

100
245

19
15

50.0
138
536
8,653

8
13
8
3

9.1
130
97
6,868

17
15
18
17

770

4

423

15

666

8

1,510

1

M AN U FAC TU R IN G
3.
4.
5.
6.

Monthly payrolls, all insured employment (1956-lst Q .) . . . .mil. dol.
Manufacturing employment per 1,000 population (1956-lst Q .) ........
Value added by manufactures, 1954.......................................... .mil. dol.
dol.
Value added per manufacturing employee, 1954...................
FINANCE

7. Demand deposits, per capita, Dec. 31, 1955............................
8. Savings accounts (Commercial banks and savings and loan associations)
per capita, Dec. 31, 1955..........................................................
AG RICU LTU RE
9. Farm income, per acre, 1954........................................................ .........dol.
10. Farm income, per farm, 1954.......................................................
dol.

------

----

—
—

------

----

—
—

TRADE
11. Retail sales, per capita, 1954........................................................

1,174

4

1,120

9

SO M E G R O W T H TRENDS
12.
13.
14.
15.
16.
17.
18.

Growth
Growth
Growth
Growth
Growth
Growth
Growth

in
in
in
in
in
in
in

population, 1950-56....................................................
manufacturing employment, 1947-54....................
value added by manufactures, 1947-54.................
demand deposits, 1950-55.........................................
savings accounts, 1950-55..........................................
farm income, 1949-54.................................................
retail sales, 1948-54.....................................................

+ 14%
— 12%
+36%
+33%
+45%

9
16
13
6
13

+ 14%
4%
+33%
+27%
+51%

10
12
15
12
9

+23%

14

—

+15%

17

—

Rank number for a metropolitan area refers to the area’s rank among the 19 metropolitan ar<
Rank number for a town-and-country area refers to the area’s rank among the 15 town-and-count




Sources:
1. Estimates based on data from U. S. Bureau of the Census and from various state agencies,
1956.
2. Square miles from Census of Population, 1950.
3, 4. Division of Research and Statistics, Ohio Bureau of Unemployment Compensation, Colum­
bus; similar sources for data for other states, 1956.
5,6. Census of Manufactures, 1954.
7. Federal Reserve data; refers to demand deposits of individuals, partnerships and corpora­
tions.
8. Federal Home Loan Bank of Cincinnati, Federal Home Loan Bank of Pittsburgh; state
departments of banking; Federal Reserve data on time deposits. Item refers to time de­
posits at commercial banks and mutual savings banks plus value of withdrawable shares
of savings and loan associations (both state and Federal-chartered).

>le 4

ONOMIC AREAS OF NORTHWESTERN OHIO
TO W N -A N D -C O U N TR Y
Area 1

FREMONTBRYAN
(10 counties)

R
A
N
K

Area 2

MARIONFINDLAY
(10 counties)

R
A
N
K

OHIO

4TH
DISTRICT

U. S.

339
80

9

389
86

4
7

9,040
220

21.2
110
264
8,525

3
4
4
2

24.9
112
286
7,520

2
3
2
5

926.7
152
10,154
8,781

365

7

429

4

592

605

657

627

2

552

5

759

660

641

58.69
7,227

1
1

49.91
6,772

3
3

42.20
4,765

36.23
3,625

21.27
5,126

1,049

2

1,052

1

1,099

1,010

1,053

+ 14%
+ 6%
+60%
+26%
+46%
+20%
+31%

+10%
+ 2%
+34%
+22%
+43%
+13%
+25%

+ 10%
+ 13%
+56%
+20%
+55%
+12%
+30%

+12%
+25%
+56%
+35%
+40%
+32%
+36%

7

5
4
9
2
10
1
5

+13%
+ 5%
+55%
+23%
+41%
+24%
+25%

4
10
10
7
9
3
10

14,306
194

165,879
56

1,333.2
134
14,181
7,971

12,933
101
116,001
7,189

as of the Fourth Federal Reserve District, 17 of which are to be covered in subsequent articles,
y areas of the Fourth Federal Reserve District, 13 of which are to be covered in subsequent articles.




9, 10. Census of Agriculture, 1954.
11. Census of Business, 1954.
12. Census of Population, 1950 and estimates as of item 1.
13, 14. Census of Manufactures, 1954.
15. Same as 7.
16. Same as 8.
17. Census of Agriculture, 1954 and 1947.
18. Census of Business, 1954 and 1948.

County Differences in Agriculture. There
are considerable differences in income per
acre among the counties represented in the
Fremont-Bryan area. Fulton county enjoys
nearly $85 of cash income per acre o f farm
land, which is the highest return for any ag­
ricultural county in Ohio. Next in order of
importance are Henry, Wood, Putnam, and
Sandusky counties. Paulding and Defiance
counties, with somewhat less favorable soil,
are relatively lowest in the area in agricul­
tural income per acre. However, the return
of $42 in those two counties is about the same
as the average return per acre for Ohio.

Manufacturing
The agricultural pre-eminence o f the area
should not obscure its growing industrial
strength and significance. The FremontBryan area scores 3rd among the 15 townand-country areas of the Fourth District in
respect to the monthly payrolls of all insured
employment during the first quarter of 1956.
It is 4th in respect to the number o f manu­
facturing workers employed in the area per
1,000 population. The area scores 2nd among
the 15 town-and-country areas o f the Fourth
District in respect to the value added by
manufactures, per manufacturing employee.
Growth in manufacturing employment be­
tween 1947 and 1954 amounted to 25 per­
cent, for 4th rank among the 15 town-andcountry areas o f the District.

vegetables and fruits have attracted some of
the largest canneries of the state. The food
processing industry provides employment for
almost 6,000 persons, or about 18 percent of
all industrial employment in the area. Among
the important food processing industries are
condensed-milk plants, grain mills, and some
beet-sugar refining.
In Sandusky county, which includes Fre
mont, a considerable variety o f manufactur­
ing plants produce such lines a s: washing ma­
chines, electric batteries, iron and steel forg­
ings, cutlery, textile products, and rubber
products. Fremont also has a beet-sugar re­
finery.
In W ood county, near Toledo,
very large auto-glass plant and a
as well as plants producing metal
auto parts, rubber products and
metals.

there is a
grain mill,
stampings,
nonferrous

Defiance county has a large gray-iron
foundry; other plants of significant size pro­
duce screw-machine products, fiber glass,
radios and television, and hand tools. Also,
there is a substantial meat-packing plant.
In Williams county, which includes Bryan,
the most important manufactured products
are aviation equipment, toys, auto parts, fur­
naces and air-conditioners, food products, and
small furniture.
Ottawa county specializes in gypsum and
lime products. Also, at Port Clinton, there
is manufacture of screw-machine products
and boat building.

Located within the area are a number of
smaller independent manufacturing concerns
as well as a number of units o f nationally
known manufacturers. The decentralizing
plans of some o f the nation’s largest manu­
facturing companies have been a source of
growth for the area. Another factor o f impor­
tance for the industrial development o f the
area is the proximity o f Lake Erie with its
abundant water supply. Many communities
have arranged, or are in process of arranging,
to tap this strategic resource.

Fiber cans and power-transmission equip­
ment are the leading products o f Van Wert
county. Also significant, however, are ap­
parel, aircraft engine parts, metal stampings
and tobacco products.

The processing o f food products accounts
for a substantial amount o f industrial activity
in the Fremont-Bryan area. Large crops of

In Paulding county, there are plants man­
ufacturing screw-machine products and auto
parts. A cement plant is under construction.

10




In Putnam county, the largest plant man­
ufactures radio tubes, but metal products,
woodworking, and canning are also impor­
tant.

Food processing is predominant in both
Fulton and Henry counties. However, there
are also sizable auto-parts plants in each.

Finance

rank of 2nd among the 15 town-and-country
areas o f the District. But in respect to growth
of such accounts between 1950 and 1955, the
area ranked 10th. (The measure used here, as
previously explained, refers to time deposits
at commercial banks and mutual savings
banks plus withdrawable shares of savingsand-loan associations.)

Increased financial strength in the Fremont-Bryan area is shown by the fact that
the area ranked 2nd out o f the 15 town-andcountry areas o f the Fourth District in re­
spect to growth in demand deposits between
1950 and 1955. The aggregate demand de­
posits as of December 31, 1955, however,
amounted to $365 per capita, for a rank o f
7th out of 15.

The Fremont-Bryan area scores 2nd
among the 15 town-and-country areas of the
Fourth District in respect to retail sales per
capita, as of the Census year 1954.

In respect to savings accounts, the area
is in a different situation; it has a high level
of such accounts but its recent growth has
not been outstanding. Thus, savings accounts
at the end of 1955 were $627 per capita, for a

Also, the area was among the leaders in
rate of growth o f retail sales between 1948
and 1954, insofar as its 36-percent increase
placed it in 5th rank among the 15 town-andcountry areas.

Retail Trade

Table 3

FARM INCOME IN ALL 15 TOWN-AND-COUNTRY AREAS *
(listed in order of income per acre)
Cash Income
Per Acre
1954
RANK

Cash Income
Per Farm
1954
RANK

Change in
Farm Income
1947-54 RANK

FR EM ON T-BR YAN ( O .) .....................

$58.69

1

$7,227

1

+32%

1

Piqua-Delaware (O .)................................

54.00

2

6,986

2

5
3
4

.

49.91

3

6,772

3

+19%
+24%

Sandusky-Ashland (O .)............................

46.77

4

5,144

4

+22%

Richmond-Maysville (K y .).....................

37.49

5

3,594

5

— 6%

15

33.33

6

2,918

9

+

10

M A R IO N -F IN D L A Y (O .)................

Ashtabula-Kent (O .).................................

5%

Butler-Kittanning (Pa.)............................

32.08

7

3,099

8

+31%

2

Chillicothe-Hillsboro (O .).......................

29.61

8

3,435

7

7

Zanesville-Newark (O .)............................

29.03

9

3,506

6

+11%
+15%

Oil City-Meadville (Pa.)..........................

24.56

10

2,661

10

+

5%

11

6

East Liverpool-Cadiz (O .).......................

23.62

11

2,548

11

+

3%

12

Uniontown-Waynesburg (Pa. & W .Va.)

17.57

12

1,992

12

+

3%

13

Portsmouth-Marietta (O .).......................

15.89

13

1,863

13

+ 9%

9

Somerset-Morehead (K y .).......................

14.25

14

1,163

14

+

9%

8

Middlesboro-Hazard (K y .).....................

3.66

15

210

15

-

2%

14

*Farm income as used here refers to value of farm products sold. It is before
deduction of expenses, but it does not include receipt of government payments.




n

Area 2.

MARION-FINDLAY Area
(10 counties)

© American Map Co., Inc.. N.Y
Plain City

The Marion-Findlay town-and-country area
lies just south o f the Fremont-Bryan area pre­
viously described. Like the latter, it lies mainly
within the level corn belt and is characterized
by highly prosperous agriculture. The MarionFindlay area, however, is slightly more indus­
trialized than its northern neighbor, and it has
a few more medium-sized cities.(5) The south­
ern fringe o f the area is more oriented toward
(° ) Availability of Lake Erie water for industrial purposes is
becoming an important factor in the area, even though the dis­
tance from the lake is greater than is the case with Area 1.

12




Cincinnati or Columbus than it is toward
Toledo.
The largest city is Marion, with an esti­
mated population of 37,400, as of early 1956.
Findlay is second, with about 30,000, fol­
lowed by Tiffin, 22,000, and Fostoria, 16,000.
Other cities, ranging from about 12,000 down
to 4,500, include: Bucyrus, Galion, Bellefontaine, Kenton, Celina, St. Marys, Wapakoneta, Crestline, Upper Sandusky, and
Marysville.

Manufacturing
One indicator o f the industrial strength of
the Marion-Findlay area is the fact that it
ranks 2nd among the 15 town-and-country
areas of the Fourth Federal Reserve District
with respect to total value added by manufac­
tures, according to the latest Census of Manu­
facturers (1954). The area also ranks 2nd
among the District’s 15 town-and-country
areas in regard to aggregate payrolls in
insured employment, as of the first quarter
of 1956. The area is 3rd in the number of
manufacturing employees for each 1,000 pop­
ulation.
Seneca county, although it does not include
either of the two largest cities o f the area,
leads the area in manufacturing strength,
chiefly because of the plants located in Tiffin
and Fostoria. Plants employing more than
100 workers each in Seneca county include
the following lines, in approximate order of
size o f establishments: spark plugs, electrical
machinery and supplies, non-electrical ma­
chinery, plumbing fixtures, clay refractories,
grinding wheels, conveyors, gray iron cast­
ings, wire products, aircraft engine parts,
and electrical appliances.
In Marion county, the manufacture of ma­
chinery is outstanding. But there is also a
steel mill, a steel foundry, a feed mill, and
large plants producing household appliances,
truck and bus bodies, and rubber products.
Crawford county, with industrial concen­
trations at Bucyrus and Galion, is also very
strong in manufacturing. Leading products
include: machinery, electrical machinery,
communication equipment, rubber products
and plastics, roller bearings, electric lamps,
truck bodies, and apparel.
Largest manufacturing plants in Hancock
county, including Findlay, produce textile
products, rubber tires, and machinery. Also
employing more than 100 each are plants
producing: cigars, petroleum products, ma­
chine-shop products, and brick and tile
products.
In Mercer county, there is one very large




agricultural machinery plant and a large
furniture factory, as well as a garment fac­
tory and several canneries.
Leading products in Auglaize county in­
clude : machinery, woolen textiles, paper
products, steel tubes, electronic controls, and
gray iron castings.
Logan county, which includes Bellefontaine, has two plants manufacturing electri­
cal machinery, as well as plants for truck and
bus bodies, woodworking machinery and
screw-machine products.
Hardin county produces electrical machin­
ery, machine tools, and textile products.
Wyandot county makes rubber tires, porce­
lain products, and small motors. Union coun­
ty has a plant producing plumbing fixtures
and a condensed milk plant.

Agriculture
The Marion-Findlay area ranks 3rd among
the 15 town-and-country areas in agricultural
prosperity. According to the 1954 Census of
Agriculture, farmers in the area received
$131.5 million from the sale of farm products
during that year, or nearly $50 per acre of
farm land. Although such income was con­
siderably higher than the average for Ohio,
it was approximately $8.50 less than in the
neighboring Fremont-Bryan area.
Within the area, Mercer and Auglaize
counties enjoy largest cash returns per acre.
In 1954, the returns in these two counties
were $57.86 and $54.81 per acre, respectively.
Income per acre in the eight remaining
counties o f the area ranged close to the av­
erage, except for Logan county, where cash
income per acre amounted to $42.09, about
the same as the Ohio average.
The single most important source of farm
income in the area is the sale of hogs, account­
ing for 26 percent o f total cash income in
1954. Dairying represents about 18 percent
of total agricultural income. Other farm
products that bring in substantial percent­
ages of cash income are: com , 12 percent of
the total; soybeans and wheat, 10 percent
each; and poultry, 8 percent.
13

Marion county derived 37 percent of its
total cash income in 1954 from the sale of
hogs, while in Logan county dairying
brought in 27 percent of cash income.
A large volume o f crops for canning is
raised both in Hancock and in Putnam coun­
ties, as well as a considerable quantity of
sugar beets for processing in the factory at
Findlay.

The area had savings accounts amounting
to $552 per capita as of December 31, 1955.
for 5th position among the 15 town-andcountry areas. In growth o f such accounts
between 1950 and 1955, the area ranked 9th.
(F or composition of such accounts, see foot­
notes to Table 4.)

Retail Trade

Finance

Retail sales per capita in the Marion-Find­
lay area amounted to $1,052 for the Census
year 1954, for first place among the 15 townand-country areas of the Fourth Federal
Reserve District.

The Marion-Findlay area ranks 4th among
the 15 town-and-country areas o f the Fourth
District with respect to demand deposits at
commercial banks, as o f December 31, 1955.
In rate o f growth o f such deposits between
1950 and 1955, the area ranked 7th.

The growth of retail sales in the area be­
tween 1948 and 1954, however, was not out­
standingly large. W ith a growth rate of 25
percent between the two Census years, the
area ranked only 10th among the 15 townand-country areas of the District.

Chick hatcheries are important enterprises
in several counties o f the area.

APPENDIX
Classification of Areas. The ‘ ‘ metropolitan areas”
used in this study are the Standard Metropolitan
Areas as defined by TJ. S. Census in agreement with
other governmental agencies. The official current
list, however, does not include Mansfield, Ohio, and
New Castle, Pa. Those two have been considered as
metropolitan areas for this study, insofar as their
recently estimated population makes it appear appro­
priate to do so, and it may be anticipated that the
official list will soon include them. Also, it may
be noted that the Huntington-Ashland metropolitan
area (covering counties in three states) is included
in this study, although only part of the area lies
within the Fourth Federal Reserve District. The
part of that area lying outside of the Fourth Dis­
trict, however, has been excluded from Fourth Dis­
trict totals appearing as benchmark figures in the
next-to-final column of Table 4.
The “ town-and-country areas” used in the study
are, for the most part, identical with the “ nonmet­
ropolitan ’ ’ state economic areas used in Census
classification. (For the basis of classification, see
State Economic Areas, by Donald J. Bogue, Bureau

14




of the Census, U.S. Department of Commerce, 1951.)
Exceptions have been made where necessary due to
the fact that the boundaries of the Fourth Federal
Reserve District cut across several of the officially
designated state economic areas. One additional ex­
ception has been made in order to place Ashtabula,
Ohio, and E. Liverpool, Ohio, in separate areas,
which seems a more desirable treatment than that of
the standard classification.
In the standard classification of nonmetropolitan
state economic areas, numbers but not names are
assigned to the various areas. In this study, it has
been found necessary to use an independent numbering
system and also to assign names. In the case of
each town-and-country area designated here, the first
named city is the largest city of the area; the sec
ond named city is chosen either with reference to
geographical location within the area or because it
is the second largest city within the area. Examples:
Zanesville-Newark area, Fremont-Bryan area; in
these cases, Newark was chosen mainly because of
its size, while Bryan was chosen largely because of
its location near the extreme western end of its area.

Table 5

LIST OF THE 34 ECONOMIC AREAS OF THE FOURTH DISTRICT

NORTHWESTERN OHIO
A. Toledo metropolitan area
Lucas County

J.

B. Lima metropolitan area
Allen County
1.

2.

PITTSBURGH, YOUNGSTOWN AND
THE UPPER OHIO VALLEY

Fremont-Bryan town-and-country area
Counties included: Defiance, Fulton,
Henry, Ottawa, Paulding, Putnam, San­
dusky, Van Wert, Williams, Wood.
Marion-Findlay town-and-country area
Counties included: Auglaize, Crawford,
Hancock, Hardin, Logan, Marion, Mer­
cer, Seneca, Union, Wyandot.
CLEVELAND AND EASTERN
LAKE ERIE

C. Cleveland metropolitan area
Cuyahoga and Lake Counties

Pittsburgh metropolitan area
Counties included: Allegheny, Beaver,
Washington, Westmoreland
(all in Pa.)

K. New Castle metropolitan area
Lawrence County (Pa.)
L. Youngstown metropolitan area
Counties included: Mahoning and Trum­
bull (Ohio) and Mercer (Pa.)
M. Wheeling-Steubenville metropolitan area
Counties included: Belmont and Jeffer­
son (Ohio) and Brooke, Hancock,
Marshall and Ohio (West Va.)
N. Huntington-Ashland metropolitan area
Counties included: Boyd (K y.), Cabell
and Wayne (W. Va.) and Lawrence,
Ohio.

D. Lorain-Elyria metropolitan area
Lorain County
E. Mansfield metropolitan area
Richland County
F.

6. Butler-Kittanning town-and-country area
Counties included: Armstrong, Butler,
Indiana (all in Pa.)

H. Erie metropolitan area
Erie County (Pa.)

7. Uniontown-Waynesburg town-and-country
area
Counties included: Fayette, Greene,
Somerset (Pa.) and Tyler and Wetzel
(West Va.)

Akron metropolitan area
Summit County
G. Canton metropolitan area
Stark County

3.

Sandusky-Ashland town-and-country area
Counties included: Ashland, Erie,
Holmes, Huron, Medina, Wayne.

4.

Ashtabula-Kent town-and-country area
Counties included: Ashtabula. Geauga,
Portage.

5.

Oil City-Meadville town-and-country area
Counties included: Clarion, Crawford,
Forest, Jefferson, Venango, Warren.
(all in Pa.)




8. East Liverpool-Cadiz town-and-country
area
Counties included: Carroll, Columbiana,
Harrison.
9. Portsmouth-Marietta town-and-country*
area
Counties included: Athens, Gallia, Hock­
ing, Jackson, Meigs, Monroe, Morgan.
Noble, Pike, Scioto. Vinton, Washington
(all in Ohio)

(Continued on next page)

CENTRAL AND SOUTHWESTERN OHIO
O. Cincinnati metropolitan area
Counties included: Hamilton (Ohio) and
Campbell and Kenton (Ky.)
P. Hamilton-Middletown metropolitan area
Butler County
Q. Dayton metropolitan area
Greene and Montgomery Counties
R. Springfield metropolitan area
Clark County
S. Columbus metropolitan area
Franklin County
10. Zanesville-Newark town-and-country area
Counties included: Coshocton, Fairfield,
Guernsey, Knox, Licking, Morrow, Mus­
kingum, Perry, Tuscarawas (all in Ohio)
11. Piqua-Delaware town-and-country area
Counties included: Champaign, Clinton,
Darke, Delaware, Fayette, Madison,
Miami, Pickaway, Preble, Shelby,
Warren.
12. Chillicothe-Hillsboro town-and-country
area
Counties included: Adams, Brown, Cler­
mont, Highland, Ross.




EASTERN KENTUCKY
T. Lexington metropolitan area
Fayette County
13. Richmond-Maysville town-and-country
area
Counties included: Bath, Boone, Bour­
bon, Bracken, Clark, Fleming, Garrard,
Grant, Harrison, Jessamine, Madison,
Mason, Montgomery, Nicholas, Pendle­
ton, Robertson, Scott, Woodford.
14. Somerset-Morehead town-and-country
area
Counties included: Carter, Clay, Elliott,
Estill, Greenup, Jackson, Laurel, Law­
rence, Lee, Lewis, Lincoln, Magoffin,
Menifee, Morgan, Owsley, Powell, Pul­
aski, Rockcastle, Rowan, Wolfe.
15. Middlesboro-Hazard town-and-country
area
Counties included: Bell, Breathitt, Floyd,
Harlan, Johnson, Knott, Knox, Leslie,
Letcher, McCreary, Martin, Perry, Pike,
Whitley.