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1970
operating ratios
of second district member banks




FEDERAL RESERVE BANK of NEW YORK

F E D E R AL R E S E R V E BANK
O F N E W YORK

May 14, 1971

To All Member Banks in the
Second Federal Reserve District:

Several weeks ago your chief executive officer received a copy of your
bank’s 1969 and 1970 individual operating ratios. We are now pleased to
send you this report on the 1970 operating ratios of member banks in the
Second Federal Reserve District, prepared by our Bank Reports and Analysis
Department.
We believe you will find this report useful in analyzing your operating
performance and comparing it with the average results for banks of similar
size and character. The report also includes comparable 1969 operating
ratios.
If you have any questions about this report, or desire additional copies,
you may contact our Bank Reports and Analysis Department.




A

lfred

H ayes,

President.

CONTENTS
Tables

P age

Income and Expenses of Second District Member Banks, 1969-1970

.................................

1970 Average Operating Ratios of Member Banks in the Second Federal Reserve District

2
3

1970 Average Operating Ratios of Second District Member Banks —
With Deposits under $5 Million.....................................................................................

4

With Deposits of $5 Million to $10 Million....................................................................

5

With Deposits of $10 Million to $50 M illion ................................................................

6

With Deposits of $50 Million to $150 Million...............................................................

8

With Deposits of $150 Million and Over........................................................................

9

Notes to tables......................................................................................................................

10




Explanatory Remarks

All ratios are expressed in percentages and are arithmetic
averages of the ratios of individual banks in each category,
rather than ratios based on aggregate dollar figures. Ratios
may not add to totals because of rounding. Condition report
figures used are averages of amounts reported for December
1969, June 1970, and December 1970.
The column headed “ Highest Quartile” indicates average
ratios for those banks in the top 25 per cent (rounded up)
when ranked by the ratio of net income to total assets (ratio
11). To maintain confidentiality, the quartile consists of at
least three banks.

Income and Expenses of Second District Member Banks

1969-1970
(In millions of dollars)
New York City
money market banks *

All Second District
member banks

Item

1970

342

Number of banks at year-end......................................

1969

361

1970

All other Second District
member banks

1969

9

1970

333

9

1969

352

Current operating revenue:

On loans......................................................................

5 ,0 0 6 .3

4 ,6 9 9 .9

3 ,3 7 1 .8

3 ,2 1 1 .4

1 ,6 3 4 .5

1 ,4 8 8 .5

On U. S. Government securities...............................
On other securities.....................................................

498.5

435.8

290.2

243.2

208.3

192.6

550.1

473.2

282.5

247.5

267.6

225.7

Service charges on deposit accounts.........................

149.1

141.9

5 3.7

4 8.9

9 5.4

9 3.0

Trust department earnings........................................

389.5

358.3

308.0

284.7

8 1.5

7 3.6

Other operating earnings...........................................

525.9

364.1

442.8

307.6

83.1

5 6.5

Total current operating revenue...................

7 ,1 1 9 -4

6 ,4 7 3 .2

4 ,7 4 9 .0

4 ,3 4 3 .3

2 ,3 7 0 .4

2 ,1 2 9 .9

Salaries and wages—officers and employees............

1 ,3 0 8 .8

1 ,1 5 3 .4

832.6

733.6

476.2

419.8

Pensions and other employee benefits......................

246.1

207.4

160.2

132.9

8 5 .9

7 4.5

743.4

Current operating expenses:

Interest on time and savings deposits......................

1 ,7 0 7 .2

1 ,4 0 7 .6

956.5

750.7

664.2

Interest on borrowed money.....................................

717.4

577.2

604.8

476.0

112.6

101.2

Occupancy expenses of bank premises, net.............
Furniture and equipment—depreciation, rents, etc.

280 .9

2 36 .0

175.2

143.4

105.7

9 2 .6

140.9

116.8

8 1 .4

6 5 .7

59.5

51.1

Provision for loan losses............................................

114.7

7 4.8

7 5.6

4 4.7

3 9.1

3 0.1

Other operating expenses..........................................

1 ,1 2 5 .3

1 ,2 7 6 .7

8 70.9

1 ,0 5 4 .4

254.4

222 .3

Total current operating expenses..................

5 ,6 4 1 .3

5 ,0 4 9 .9

3 ,7 5 7 .2

3 ,3 9 4 .1

1,88 4 .1

1 ,6 5 5 .8

Net current operating earnings.................................

1 ,4 7 8 .1

1 ,4 2 3 .3

991.8

949.2

486.3

474.1

Applicable income taxes............................................

469.9

502.7

350.8

367.0

119.1

135.7

Income before securities gains or losses...................
Net securities gains or losses.....................................

1 ,0 0 8 .2
-

6 3 .0

641.0

920.6
-

8 9.2

-

53.6

582.2
-

7 6.5

338.4

367.2
-

9 .4

-

12.7

Net income before extraordinary items...................
Extraordinary charges or credits..............................

945.2

831.4

587.4

505.7

357.8

325.7

3 .8

.8

2 .9

.1

.9

.7

Net income......................................................

949.0

832.2

590.3

505.8

358.7

326.4

S o u r c e : Income and expenses are derived from the year-end Report of Income submitted by member banks in the Second Federal Reserve District.

* Deposits over $1 billion.




2

1 9 7 0 Average Operating Ratios of Member Banks in the Second Federal Reserve District
All
Second
District
Member
Banks*

All other banks with deposits of—
Money
Market
Banks**

$10-$50
Million

$50-$150
Million

$150
Million
and Over

1970

1969

1970

1969

1970

1969

1970

1969

1970

1969

9

42

44

43

46

150

161

48

55

50

46

9.11
7.95

7.79
7.85

7.75
7.18

9.58
9.99

9.84
9.79

10.18
9.89

10.81
10.22

11.80
11.82

11.23
11.09

12.24
11.90

11.99
11.68

63.99

67.54

26.70

28.24

26.39

39.70

36.21

28.82

38.32

37.19

43.87

38.91

5.78
1.32
1.11
.23
1.91
4.59
.77
.71

5.17
1.12
.85
.17
1.87
4.02
.69
.60

6.09
1.61
1.96
.20
1.04
4.82
.86
.87

5.68
1.49
1.78
.17
1.11
4.56
.75
.68

6.19
1.57
2.15
.23
1.00
4.97
.88
.91

5.76
1.39
1.93
.19
.92
4.44
.91
.90

6.24
1.45
2.36
.23
1.04
5.09
.86
.83

5.82
1.30
2.11
.20
.90
4.53
.90
.85

6.49
1.47
2.44
.26
1.05
5.22
1.01
1.01

5.99
1.37
2.15
.25
.94
4.72
.94
.93

6.44
1.57
1.99
.29
1.24
5.10
1.00
.98

6.04
1.43
1.81
.26
1.14
4.66
.96
.94

12.17

5.40

18.02

19.17

15.76

15.89

11.09

12.10

8.30

8.43

7.17

7.76

2.43

.53

2.49

2.44

3.34

3.42

3.81

3.00

1.93

1.67

.76

.77

9.67
4.96
5.92
8.42 11.91 11.35
6.98
5.85
5.40
.49
.63
.43
.74
.84
.61
.49
.35
1.41
71.98 66.05 66.30 66.28 67.23 67.53 68.38 66.95 67.88
6.37
7.38
6.78
6.91
7.58 10.24 10.21
15.87
6.61
100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

11.21
.42
70.17
10.24
100.00

10.24
.49
70.70
10.01
100.00

1969

342

361

10.33
10.19

10.48
10.06

9.59
9.00

35.96

33.66

6.27
1.50
2.21
.24
1.09
5.05
.90
.89

5.83
1.36
1.99
.21
.98
4.55
.89
.85

11.42
2.81

Number of banks...........

$5-$10
Million

1969

1970
PROFITABILITY

Under
$5
Million

1970

Percentage of Equity C apital Including All R eserves

1. Income after taxes and before securities gains (losses)0 . .
Percentage of Net Income

SOURCES AND DISPOSITION OF INCOME
Percentage of Total Assets

10. Income after taxes and before securities gains (losses)"..
Percentage of Total O perating Income

13. Interest on securities of U. S. G ovt, agencies &
14. Interest on obligations of States and political

9.26
.65
67.54
8.29
100.00
4.50
2.34
20.96
3.03
35.27
1.19
3.85
1.93

17. All other operating incom e'....................................................
19. Service charges on deposit accounts'1 (part of item 1 7)........

29. Interest on capital notes and debentures4 (part of item 27). .
31. Income after taxes and before securities gains (losses)0. .
32. Net securities gains ( + ) or losses ( —) after tax e ffe c t ...

8.29
.52
68.29
8.26
100.00
4.88
2.26
20.44
2.95
34.13
1.06
3.72
1.87
13.81
78.01
1.25

.13
19.64
14.63
15.64
.19 .80
.01
t
14.41
14.84

17.41
.95

4.01
1.48
17.15
79.67
.38
20.32
13.14
.87
+
.03
12.29

4.63
5.24
4.77
5.12
4.16
4.91
4.49
4.76
4.38
1.09
4.55
2.76
2.79
1.24
2.88
.96
1.14
2.91
1.83
8.45
20.52
20.33 19.68 19.41 19.70
20.14
18.26 24.34 23.82 22.54 21.45
3.21
3.23
3.71
2.93
2.77
2.69
2.96
2.83
3.56
3.17
2.36
30.99
30.21
16.66 32.07 31.36 34.74 33.59 37.91 36.48 37.71 36.06
.88
3.60
.26
.74
.37
.08
.25
3.55
13.32
.21
.11
4.11
4.56
3.67
3.59
4.23
4.41
3.15
3.80
3.47
3.49
3.35
1.34
1.20
2.23
1.52
1.69
1.50
4.39
1.47
1.38
1.18
2.55
14.03
13.69
21.99 14.13 14.19 14.42 14.22 13.93 13.28 13.75 13.48
78.95
77.08
78.10 79.06 79.99 80.06 77.04 81.28 77.77 80.45 78.69
1.20
.41
.09
.16
1.38
1.23
1.00
21.04
22.91
21.89 20.93 20.00 19.93 22.95 18.71 22.22 19.54 21.30
15.91
16.17
13.33 14.29 13.56 14.46 15.85 14.10 15.98 15.69 16.06
.43
.33
.43
.35 - .55 - 1.05 + .13 1.65 + .27 - 1 .1 7 + .63 .07 +
.09
t - .24 - .20 - .13 + -24 + .09 - .03 - .13 + .05 +
15.54
15.82
11.68 14.31 12.17 14.96 15.74 13.63 14.89 15.69 15.78

RATES OF RETURN ON SECURITIES AND LOANS
Return on Securities/

35. Interest on U. S. Treasury securities.................................
36. Interest on securities of U. S. G ovt, agencies &

5.44

5 56

5.13

5.18

5.07

5.46

5.15

5.51

5.14

5.39

4.94

5.39

4.69

5.06

5.01

11.10

5.07

3.57
7.42

4.27
6.55

3.73
7.14

4.29
6.10

3.78
6.22

8.82

2.03

3.63

2.83

6.63

5.51

5.26

3.32
5.32

3.84
6.26

3.43
4.73

4.38
5.99

5.27

37. Interest on obligations of States and political
4.18
6.43

38. Interest and dividends on all other securities....................

6.92

6.61

8.32

Return on Loans#

39. Interest and fees on loans.......................................................
40. Net losses ( —) or recoveries ( + ) on loans.........................

-

.29 -

7.50
.12

-

.41

-

8.09
7.52
8.09
7.77
7.39
8.27
7.70
7.48
8 15
8 09
.29 .19 .13 .23 .12 .23 .05 .15 .48 .12 -

7.56
.14

DISTRIBUTION OF ASSETS
P ercen tage of Total Assets

41. U. S. Treasury securities'......................................................
42. Securities of other U. S. G ovt, agencies & corporations'.

11.20
1.72

17.08
3.20
9.71
.77
55.54
11.87
1.53

12.41
3.41
13.94
.59
56.77
10.75
1.52

13.44
2.96
13.40
.49
56.91
10.85
1.45

9.85
1.92
17.64
.60
55.81
11.48
1.49

10.27
1.39
17.57
.35
55.98
11.89
1.38

8.41
.95
16.37
.38
58.41
12.38
1.52

8.92
.72
16.05
.42
57.98
12.91
1.48

10.60
14.48
28.55
10.35

35.14
5.66
15.58
28.95
14.64

36 48
6.12
14.80
28.67
13.91

40.21
2.27
17.99
28.66
10.84

40.57
2.39
17.16
29.03
10.84

36.61
.86
21.92
31.14
9.46

38 01
.78
22.23
30.49
8.47

31.75
.49
29.03
26.20
12.53

31.42
.37
30.50
25.86
11.82

12.15
54.67

12.04
55.06

10.34
56.13

9.60
55.89

8.79
60.50

8.67
60.47

59.32

8.75
58.09

8.79
50.18

9.60
49.29

3.97
27.52
7.58

3.64
22.68
7.14

4.36
19.99
7.52

3.91
25.96
6.89

4.41
5.70
7.36

3.94
20.27
6.87

4.74
14.35

7.22

4.29
13.87
7.13

16.20
7.86

4.37
20.18
7.34

732,265

3,370
475

3,262
443

903

790

2,335

2,256

9,215

9,479

42,638

41,062

.87

.53

2.70
8.81

2.57
8.41
98

17.73
3.05
10.72
.92

1.49

13.58
2.36
13.13
.55
56.10
12.08
1.41

.99

.92

1.23

1.16

3.23
20.38
28.07
12.12

3 30
20.00
28.20
11.38

.04
58.25
7.71
27.94

.03
57.39
7.49
28.75

10.86
13.62
28.13
13.30

9.31
56.47

8.37
24.57

21.73

4.05
20.45
7.02

6.26
27.14
7.74

262,694 244,089 6,601,236
28,348 26,093
745,730

2.64

43. Obligations of States and political subdivisions'...............

44. All other securities'.............................................
45. Gross loans6.............................................................
47. Real estate assets................................................................
DISTRIBUTION OF LOANS
P ercentage of Gross Loansb

OTHER RATIOS

55. Interest on time and savings deposits to total time
4.48
57. Interest and fees on loans excluding Federal funds..........

7.53

5.64

IN THOUSANDS OF DOLLARS

58. Average total deposits......................................
59. Average equity capital including all reserves..........
Notes are on page 10.




3

Member Banks with Deposits under $ 5 Million
Time deposits to total deposits
50-60 per cent

Under 50 per cent
Group
Average

Group
Average

Highest
Quartile

Over 60 per cent
Highest
Quartile

Group
Average

Highest
Quartile

1970

1970

1970

1969

1970

1970

1969

1970

8

3

19

21

5

14

15

4

6.62
5.93

9.63
8.67

8.71
8.70

8.38
8.58

7.52
7.14

11.52
11.86

7.75
8.09

7.09
6.45

11.67
13.20

31.14

33.89

49.64

26.80

27.21

21.38

23.71

26.68

14.35

5.69
1.79
1.19
.32
1.04
4.35
.80
.75

5.23
1.58
1.06
.21
.95
3.82
.98
.90

5.27
1.84
.44
.35
.64
3.28
1.33
1.32

6.07
1.56
1.99
.17
1.00
4.73
.96
.97

5.60
1.47
1.80
.17
.97
4.42
.85
.80

6.69
1.73
2.05
.19
.84
4.82
1.37
1.41

6.36
1.57
2.40
.16
1.08
5.24
.77
.81

6.04
1.47
2.15
.13
1.40
5.17
.47
.39

6.76
1.27
2.49
.15
1.18
5.11
1.28
1.41

22.99

24.29

32.50

17.07

17.12

18.90

16.12

19.32

13.81

.75

.10

2.24

2.87

1.48

3.64

2.73

1.34

3.96
2.82
60.36
8.62

Number of banks.......

1969

9

1.25

PROFITABILITY

3.41
.39
63.44
7.68

3.85
2.68
51.99
8.87

5.57
.78
67.57
6.77

5.75
.85
66.83
6.56

5.78
.96
67.32
5.49

6.09
1.37
67.64
5.11

4.68
.77
67.08
5.39

YOUR
BANK

6.16
.10
74.04
4.51

P ercentage of Equity Capital Including All R eserves

1. Income after taxes and before securities gains (losses)3. .
P ercentage of Net Income

3. Cash dividends declared..........................................................
SOURCES AND DISPOSITION OF INCOME
P ercen tage of Total Assets

4.
5.
6.
7.
8.
9.
10.

Total operating incom e............................................................
Salaries, wages, and fringe benefits.......................................
Interest on deposits..................................................................
Net occupancy expense of bank premises............................
All other operating expenses...................................................
Total operating expenses.........................................................
Income after taxes and before securities gains (losses)0. .

P ercentage of Total Operating Income

12. Interest on U. S. Treasury securities...................................
13. Interest on securities of U. S. Govt, agencies &
14. Interest on obligations of States and political
subdivisions............................................................................
15. Interest and dividends on all other securities....................
16. Interest and fees on loans6......................................................
17. All other operating incom e'....................................................
18.

Total operating incom e........................................................

100.00

100.00

100.00

100.00

100.00

100.00

100.00

100.00

100.00

19.
20.
21.
22.
23.
24.
25.
26.
27.
28.
29.
30.
31.
32.
33.

Service charge's on deposit accountsd (part of item 1 7)........
Trust department income? (part of item 1 7 )..........................
Salaries and wages....................................................................
Officer and employee benefits.................................................
Interest on deposits..................................................................
Interest on borrowed m oney..................................................
Net occupancy expense of bank premises...........................
Provision for loan losses (n e t)................................................
All other operating expenses...................................................
Total operating expenses.....................................................
Interest on capital notes and debentures'1 (part of item 2 7 ) . .
Income before taxes and securities gains (losses).............
Income after taxes and before securities gains (losses)". .
Net securities gains ( + ) or losses ( —) after tax e ffe ct...
All other additions and subtractions (n e t )'........................

5.57
—
29.33
2.54
20.65
.23
5.77
1.86
15.73
76.13
—
23.87
14.39
+ .37
- 1.25
13.49

6.46
—
28.44
2.69
19.70
.53
4.40
1.65
14.97
72.41
—
27.58
19.04
- 1.19
.16
17.68

6.42
—
32.36
3.23
8.40
.22
6.72
1.16
11.34
63.43
—
36.59
24.07
.01
+ .01
24.03

4.66
—
22.93
2.64
33.19
.16
2.78
3.41
12.69
77.82
—
22.18
16.02
.27
.08
16.21

5.05
—
23.71
2.48
32.70
.28
3.24
2.47
14.07
78.98
—
21.01
15.05
.65
.22
14.17

4.35
—
22.38
3.36
30.74
.32
2.96
2.74
9.42
71.94
—
28.06
20.68
+ .65
—
21.33

3.74
—
23.06
1.86
37.90
.28
2.58
1.83
15.06
82.64
—
17.34
11.88
+ .22
+ .17
12.26

3.98
—
21.50
2.98
35.71
.41
2.35
8.55
13.93
85.46
—
14.53
8.55
- 1.90
.21
6.42

3.65
—
17.65
1.05
37.19
.73
2.13
3.56
12.77
75.11
—
24.86
19.41
+ 1.10
+ .45
20.94

5.31

4.92

4.90

4.79

4.90

5.55

5.64

5.39

5.80

1.90

1.16

1.55

1.99

1.92

1.23

2.06

2.66

1.05

2.77
23.16

2.80
5.88

2.37
5.57

3.39
4.13

3.48
5.05

3.79
4.28

3.83
4.48

3.36
5.41

4.75
2.76

RATES OF RETURN ON SECURITIES AND LOANS
Return on Securities^

35. Interest on U. S. Treasury securities....................................
36. Interest on securities of U. S. Govt, agencies &
37. Interest on obligations of States and political
subdivisions............................................................................
38. Interest and dividends on all other securities....................
Return on Loans#

39. Interest and fees on loans........................................................
40. Net losses ( —) or recoveries ( + ) on loans.........................

-

8.53
.48

-

8.00
.14

-

8.69
.34

-

8.01
.57

-

7.10
.21

-

8.85
.33

-

7.93
.36

-

7.73
.06

-

7.74
.79

DISTRIBUTION OF ASSETS
P ercentage of Total Assets

41.
42.
43.
44.
45.
46.
47.

U. S. Treasury securities'........................................................
Securities of other U. S. Govt, agencies & corporations'.
Obligations of States and political subdivisions'...............
All other securities'...................................................................
Gross loans6................................................................................
Cash assets..................................................................................
Real estate assets......................................................................

25.03
1.20
6.57
1.19
45.91
18.57
1.24

26.26
1.10
5.64
.62
46.88
18.32
.93

37.82
.13
5.99
2.13
36.59
16.57
.47

20.30
2.20
9.47
1.20
53.20
12.46
.98

19.02
2.96
9.78
.98
53.90
12.11
1.07

20.84
1.81
10.00
1.20
54.30
11.03
.71

17.46
4.33
9.34
1.45
56.93
8.67
1.57

21.60
2.82
7.98
1.18
54.99
9.76
1.41

15.11
1.88
8.75
.36
64.08
8.96
.59

27.94
8.43
19.01
18.71
25.89

29.26
6.62
24.00
20.58
19.53

21.83
13.21
21.37
16.89
26.70

35.84
12.95
12.47
32.43
6.29

38.65
11.63
12.09
32.41
5.20

28.94
12.37
11.52
37.21
9.95

35.65
9.58
11.71
28.33
14.71

35.87
11.29
12.74
27.41
12.67

33.48
9.65
8.84
34.18
13.83

13.47
35.28

11.86
33.82

16.93
16.13

11.14
55.73

11.13
55.46

12.07
54.10

12.66
65.69

13.42
65.81

11.08
67.39

3.18
36.57
7.58

2.98
26.86
6.84

1.37
27.58
7.47

4.10
25.47
7.58

3.72
19.04
6.94

4.35
24.45
8.19

4.31
24.47
7.60

3.86
25.56
7.58

4.35
19.32
7.87

3,510
562

3,396
474

2,628
624

3,197
409

3,275
413

2,511
338

3,516
509

3,171
469

2,744
367

DISTRIBUTION OF LOANS
P ercentage of Gross Loans b

48.
49.
50.
51.
52.

Real estate loans........................................................................
Loans to farmers.......................................................................
Commercial and industrial loans...........................................
Consumer loans to individuals...............................................
All other loans6..........................................................................

OTHER RATIOS

53. Total capital accounts and reserves to total assets6...........
54. Time and savings deposits to total deposits.......................
55. Interest on time and savings deposits to total time
deposits....................................................................................
56. Income taxes to net income plus income taxes.................
57. Interest and fees on loans excluding Federal funds..........
IN THOUSANDS OF DOLLARS

58. Average total deposits.............................................................
59. Average equity capital including all reserves.....................
Notes are on page 10.




4

100.00

Member Banks with Deposits of $ 5 Million to $ 1 0 Million
Time deposits to total deposits
50-60 per cent

Under 50 per cent
Group
Average

Group
Average

Highest
Quartile

Over 60 per cent
Highest
Quartile

Group
Average

Highest
Quartile

1970
PROFITABILITY

1969

1970

1970

1969

1970

1970

1969

1970

7

9

3

17

17

4

19

20

YOUR
BANK

5

Number of banks.......

P ercentage of Equity C apital Including All R eserves

1. Income after taxes and before securities gains (losses)” . .
2. Net incom e.................................................................................

12.16
14.45

11.01
10.75

11.54
17.79

8.12
7.71

9.11
9.10

12.10
12.12

9.95
10.38

9.94
9.95

13.42
13.23

20.65

39.65

20.58

28.84

60.45

30.86

26.31

22.08

23.49

6.09
1.69
1.26
.24
1.10
4.30
1.14
1.32

5.67
1.60
1.27
.22
1.03
4.14
1.00
.98

5.85
1.51
1.14
.23
.89
3.78
1.25
1.75

5.94
1.69
2.02
.25
1.04
5.01
.70
.65

5.59
1.41
1.85
.17
.86
4.30
.84
.84

5.98
1.26
2.01
.16
.60
4.05
1.26
1.26

6.45
1.42
2.60
.22
.93
5.18
.95
.99

5.95
1.28
2.30
.19
.91
4.70
.92
.91

6.52
1.34
2.38
.16
.96
4.86
1.28
1.26

20.56

19.71

32.41

18.74

16.26

22.21

11.32

13.84

7.79

1.83

2.32

—

1.39

.70

1.51

5.64

6.23

3.80

5.90
.91
66.54
6.54
100.00

12.07
.47
69.17
6.69
100.00

Percentage of Net Income

3. Cash dividends declared..........................................................
SOURCES AND DISPOSITION OF INCOME
P ercentage of Total Assets

4.
5.
6.
7.
8.
9.
10.
11.

Total operating incom e...........................................................
Salaries, wages, and fringe benefits......................................
Interest on deposits..................................................................
Net occupancy expense of bank premises...........................
All other operating expenses...................................................
1otal operating expenses.........................................................
Income after taxes and before securities gains (losses)0. .
Net incom e.................................................................................

P ercentage of Total Operating Income

12. Interest on U. S. Treasury securities...................................
13. Interest on securities of U. S. Govt, agencies &
corporations............................................................................
14. Interest on obligations of States and political
subdivisions............................................................................
IS. Interest and dividends on all other securities....................
16. Interest and fees on loans6......................................................
17. All other operating incom e'....................................................
18.
Total operating incom e.......................................................
19.
20.
21.
22.
23.
24.
25.
26.
27.
28.
29.
30.
31.
32.
33.
34.

Service charges on deposit accountsd (part of item 1 7)........
Trust department incomed (part of item 1 7 )..........................
Salaries and wages....................................................................
Officer and employee benefits.................................................
Interest on deposits..................................................................
Interest on borrowed m oney..................................................
Net occupancy expense of bank premises...........................
Provision for loan losses (n e t)...............................................
All other operating expenses..................................................
Total operating expenses....................................................
Interest on capital notes and debenturesd (part of item 27) . .
Income before taxes and securities gains (losses).............
Income after taxes and before securities gains (losses)0. .
Net securities gains ( + ) or losses ( —) after tax e ffe c t...
All other additions and subtractions (n e t )'........................
Net incom e.......................................................................

5.47
.96
62.89
8.25
100.00

4.94
.42
65.08
7.50
100.00

5.16
1.49
52.31
8.59
100.00

6.19
.50
66.45
6.70
100.00

6.45
.35
69.18
7.03
100.00

8.86
.13
61.38
5.87
100.00

8.24
1.09
67.37
6.31
100.00

5.51
.65
24.64
3.44
20.61
.12
4.00
1.22
16.33
70.39
—
29.60
18.87
+ 3.73
—
22.60

5.20
—
24.71
3.80
22.63
.05
4.04
1.63
16.14
73.03
—
26.96
17.64
.37
—
17.26

5.60
.65
23.48
2.82
19.97
—
3.89
.19
15.28
65.26
—
34.73
21.06
+ 10.01
—
31.07

4.22
2.87
25.15
3.23
34.09
.15
4.20
1.88
15.16
83.90
—
16.09
12.06
.32
.51
11.21

4.74
.51
22.45
2.93
33.21
.06
3.26
1.58
13.44
76.96
—
23.03
15.03
+ -01
+ .01
15.06

4.31
.59
18.38
2.77
33.64
—
2.81
.19
9.95
67.78
—
32.21
21.16
+ .02
—
21.18

4.36
1.08
19.42
2.55
40.52
.06
3.36
1.20
13.05
80.19
—
19.81
15.00
+ .35
+ .15
15.51

4.59
—
19.13
2.31
38.84
.10
3.38
1.10
14.03
78.92
—
21.07
15.74
.65
+ .54
15.63

4.86
—
18.15
2.45
36.55
.06
2.58
2.16
12.51
74.47
—
25.52
19.86
.34
—
19.51

5.31

5.00

5.42

5.56

5.09

5.89

5.43

5.28

5.00

3.20

3.96

—

3.36

2.11

2.27

4.03

2.93

4.90

3.88
12.62

3.24
6.00

4.34
18.11

3.52
4.46

3.72
4.27

3.69
4.73

4.11
5.54

3.27
4.54

4.20
4.65

8.45
.14

8.40
—

21.91
2.14
8.71
.70
49.81
14.67
1.82

21.14
2.16
7.92
.56
50.82
15.41
1.68

33.02
.45
7.51
.60
42.31
13.88
2.06

20.24
1.05
9.54
.67
54.28
11.93
1.86

17.78
.58
10.39
.50
56.52
12.41
1.56

23.17
.97
13.75
.20
47.97
12.93
.91

13.94
5.18
12.52
1.22
55.98
9.26
1.56

14.66
5.90
9.94
1.08
56.84
9.82
1.44

9.99
3.13
18.29
.59
57.53
9.12
1.19

15.77
1.13
25.14
36.52
21.42

22.69
1.83
22.89
35.41
17.16

5.23
1.70
23.50
29.85
39.71

33.61
7.49
16.27
27.15
15.46

35.48
7.75
14.25
27.59
14.91

27.88
11.39
11.49
33.93
15.29

43.65
5.69
11.45
27.77
11.41

43.53
6.67
11.62
26.55
11.60

38.43
5.94
13.81
31.72
10.08

9.46
32.36

9.21
35.23

10.73
30.13

11.35
54.54

9.45
54.91

10.51
55.02

9.77
66.32

9.91
66.01

9.60
63.27

4.44
30.52
7.66

4.07
29.66
7.06

4.35
32.27
7.32

4.26
19.02
7.27

3.79
32.82
6.73

4.18
32.22
7.47

4.42
16.98
7.69

3.94
18.47
6.96

4.23
18.07
7.89

7,109
750

6,917
709

7,084
868

8,110
1,077

8,136
859

8,226
995

7,197
803

6,864
767

7,052
774

RATES OF RETURN ON SECURITIES AND LOANS
Return on S ecu rities/

35. Interest on U. S. Treasury securities.........................
36. Interest on securities of U. S. G ovt, agencies &
corporations............................................................................
37. Interest on obligations of States and political
subdivisions............................................................................
38. Interest and dividends on all other securities....................
Return on Loans B

39. Interest and fees on loans.......................................................
40. Net losses ( —) or recoveries ( + ) on loans.........................

-

8.34
.23

-

-

8.10
.20

+

7.52
.01

-

8.26
.02

-

8.39
.25

-

7.51
.07

-

8.64
.28

DISTRIBUTION OF ASSETS
P ercentage of Total Assets

41.
42.
43.
44.
45.
46.
47.

U. S. Treasury securities^........................................................
Securities of other U. S. G ovt, agencies & corporations^.
Obligations of States and political subdivisions^...............
All other securities^...................................................................
Gross loans6............................................................................
Cash assets..................................................................................
Real estate assets......................................................................

DISTRIBUTION OF LOANS
P ercentage of Gross Loans b

48.
49.
50.
51.
52.

Real estate loans........................................................................
Loans to farmers........................................................................
Commercial and industrial loans...........................................
Consumer loans to individuals...............................................
All other loans6..................................................................

OTHER RATIOS

53. Total capital accounts and reserves to total assets6...........
54. Time and savings deposits to total deposits......................
55. Interest on time and savings deposits to total time
deposits....................................................................................
56. Income taxes to net income plus income taxes.................
57. Interest and fees on loans excluding Federal funds.........
IN THOUSANDS OF DOLLARS

58. Average total deposits.....................................................
59. Average equity capital including all reserves.....................
Notes are on page 10.




5

100.00

Member Banks with Deposits of

$ 1 0 Million to $ 5 0 Million

Time deposits to total deposits

Group
Average

Time deposits to total deposits

50-55 per cent

Under 50 per cent
Highest
Quartile

Group
Average

Highest
Quartile

Group
Average

65-70 per cent

60-65 per cent

55-60 per cent

Group
Average

Highest
Quartile

Over 70 per cent
Highest
Quartile

Group
Average

Highest
Quartile

Group
Average

Highest
Quartile

1970
PROFITABILITY

P ercen tage of Equity C apital Including All R eserves

9.77
9.59

16.16
15.82

10.34
9.53

9.90
10.05

1970

1969

1970

1970

1969

1970

1970

1969

1970

7

Number of banks.. .

32

33

8

22

23

6

28

32

7

10.26
10.15

11.16
11.81

10.59
9.84

13.51
13.54

11.17
10.97

10.69
10.40

14.65
14.76

10.72
10.21

10.59
9.91

14.41
14.47

8.74
8.57

10.77
9.70

10.92
11.25

1.
2.

23.26

1. Income after taxes and before securities gains (losses)® .
2. Net in com e...............................................................................

33.56

29.60

20.80

42.98

35.75

28.78

32.15

27.30

31.43

3.

.87
4.44
.98
.95

6.48
1.30
2.25
.17
.83
4.56
1.29
1.30

6.18
1.36
2.45
.21
.88
4.91
.93
.91

5.85
1.25
2.18
.18
.87
4.50
.89
.86

6.06
1.16
2.26
.15
.75
4.34
1.28
1.28

6.27
1.35
2.60
.20
.96
5.14
.88
.84

5.84
1.21
2.35
.19
.93
4.70
.84
.80

6.29
1.17
2.60
.14
.69
4.62
1.22
1.22

6.39
1.43
2.89
.20
.96
5.49
.72
.72

5.88
1.17
2.58
.15
.81
4.73
.84
.77

6.24
1.14
2.80
.16
.75
4.87
1.07
1.10

4.
5.
6.
7.
8.
9.
10.
11.

11.76
11.27

Percentage of Net Income
3. Cash dividends d eclared ........................................................
SOURCES AND DISPOSITION OF INCOME
Percentage of Total Assets
4. Total operating in com e .........................................................
5. Salaries, wages, and fringe b en efits....................................
6. Interest on deposits.............................. . .............................
7. Net occupancy expense of bank premises.........................
8. All other operating expenses................................................
9. Total operating expenses................... ........... _................... .
10. Income after taxes and before securities gains (losses)0
11. N et income . ...........................................................................

6.27
1.73
1.70
.32
1.33
5.10
.83
.82

Service charges on deposit accounts'1 (part of item 17) . . . .
Trust department income? (part of item 1 7 ) .......................
Salaries and w ages................................................................
Officer and employee benefits............................................ .
Interest on d eposits.............................................................. .
Interest on borrowed m on ey................................................
Net occupancy expense of bank prem ises.........................
Provision for loan losses (n e t )...........................................
All other operating expenses.............................................. .
Total operating expenses................................................
Interest on capital notes and debenturesd (part of item 27)
Income before taxes and securities gains (losses).........
Income after taxes and before securities gains (losses)0
N et securities gains ( + ) or losses ( —) after tax e ffe c t.
All other additions and subtractions (n e t)* ....................
Net in co m e .............................................................................

RATES OF RETURN ON SECURITIES AND LOANS
Return on Securities /
35. Interest on U. S. Treasury securities......... .....................
36. Interest on securities of U. S. Govt, agencies &
corporations.............................................. .........................
37. Interest on obligations of States and political
subdivisions.................................................. .....................
38. Interest and dividends on all other securities................

5.80
1.57
1.43
.30
1.07
4.39
.93
.92

12.88

Percentage of Total Operating Income
12. Interest on U. S. Treasury securities...............................
13. Interest on securities of U. S. Govt, agencies &
corporations................................................ ; .......................
14. Interest on obligations of States and political
subdivisions................................................ .........................
15. Interest and dividends on all other securities . . .'..........
16. Interest and fees on loans6 ...................................................
17. All other operating in com e'..................................................
18.
Total operating in com e................................................... .
19.
20.
21.
22.
23.
24.
25.
26.
27.
28.
29.
30.
31.
32.
33.
34.

10.84

DISTRIBUTION OF LOANS
Percentage of Gross Loans ^
48. Real estate loans.....................................................................
49. Loans to farmers.....................................................................
50. Commercial and industrial loans........................................
51. Consumer loans to individuals.............................................
52. All other loans6........................................................................
OTHER RATIOS
53. Total capital accounts and reserves to total assets*........
54. Tim e and savings deposits to total deposits-----_
.............
55. Interest on time and savings deposits to total time
deposits..................................................................................
56. Incom e taxes to net income plus income taxes...............
57. Interest and fees on loans excluding Federal fun ds. . . .
IN THOUSANDS OF DOLLARS
58. Average total deposits..................... . ....................................
59. Average equity capital including all reserves...................

6.32
1.47
1.61
.23
.92
4.24
1.53
1.50

5.60
1.41
1.76
.23
.95
4.36
.91
.83

6.02

1.47
1.99
.22
1 . 11

4.80
.89

6.28
1.45
2.28
.23
1.09
5.06
.91
.83

1.88

.15
.76
4.05
1.19
1.26

9.87
.62
63.23
9.33

8.53
.97
67.66
9.82

15.80
.25
63.86
9.36

10.26
8.04

12.03

10.38

10.15

12.00

10.97

11.52

12.41

9.57

12.77

9.00

12.

1.46

1.44

2.91

2.65

4.53

5.15

5.27

7.04

5.64

2.82

6.13

13.

9.56
.33
69.03
7.38

7.79
.55
68.48
100.00

9.81
.22
67.98
8.49
100.00

10.00
.58
69.31
6.79
100.00

8.64
.20
71.19
7.14
100.00

13.46
.16
62.74
7.08
100.00

9.74
.31
66.50
7.31
100.00

8.24
.37
67.26
7.31
100.00

11.65
.22
60.92
7.73
100.00

8.78
.78
69.01
6.19
100.00

8.47
.58
69.56
5.77
100.00

12.22
1.09
66.49
5.05
100.00

14.
15.
16.
17.

100.00

9.02
.43
64.11
8.48

100.00

100.00

100.00

100.00

5.17
.53
20.26
2.73
36.52
.19
3.60
2.71
14.11
80.14
.06
19.85
14.94
- 1.31

5.88
.43

6.44
.34
18.06
1.96
34.81
.08
2.72
1.11
11.56
70.32
—
29.67
20.03
+ .04
—
20.07

4.33
1.23
19.03
3.00
39.79
.10
3.42
1.43
12.72
79.51
.02
20.48
15.18
.33
+ .06
14.90

4.83
1.28
18.59
2.87
37.39
.21
3.31
1.32
12.95
76.67
—
23.32
16.33
- 1.31
+ .05
15.07

4.41
1.90
16.89
2.36
37.37
.02
2.60
.96
11.43
71.65
—
28.34
21.13
+ .05
—
21.19

4.78
1.57
18.78
2.80
41.66
.24
3.32
1.71
13.35
81.90
.19
18.09
14.00
.46
.04
13.48

5.14
.81
18.36
2.40
40.55
.28
3.39
2.04
13.30
80.34
1.68
19.65
14.60
.69
.08
13.83

4.02
3.64
15.96
2.74
41.34
.10
2.24
.76
10.23
73.39
.29
26.60
19.44
+ .06
—
19.50

4.00
.59
19.20
3.09
45.48
.48
3.15
1.43
12.89
85.75
.10
14.23
11.53
.29
+ .12
11.36

3.65
.73
17.27
2.68
44.43
.14
2.65
1.61
11.79
80.60
1.19
19.39
14.49
- 1.25
.01
13.22

3.38
1.63
15.83
2.50
45.06
.09
2.67
.93
11.01
78.12
.42
21.87
17.14
.13
+ .63
17.64

19.
20.
21.
22.
23.
24.
25.
26.
27.
28.
29.
30.
31.
32.
33.
34.

100.00

5.38
2.32
24.31
3.16
27.38
.46
5.13
3.65
16.44
80.57
.07
19.42
13.96

6.06
2.38
23.50
3.46
25.15

4.24
4.25
19.59
3.48
25.69
.23
3.58
1.31
12.62
66.52

5.33

5.75
1.23
22.40
2.71
31.59
.15
4.20

5.31
2.21

15.16
75.51

.20

66.22

1.22

21.60
2.73
33.11

67.64
5.87
3.18
1.98
19.04
2.33
32.19
.04
2.58
2.31
10.50
69.03

5.51

5.67

5.33

5.46

5.44

4.88

5.25

5.53

5.38

5.67

5.50

5.17

5.06

35.

4.52

4.17

4.14

3.09

4.95

5.27

7.30

4.47

5.45

4.82

6.27

6.17

4.18

6.20

36.

4.11
5.63

3.33
5.11

5.00
5.36

4.48
5.16

3.37
6.04

4.05
7.24

4.17
6.33

3.73
5.26

4.25
4.69

4.13
5.70

3.47
5.03

4.11
4.87

5.00
6.57

3.89
7.54

4.33
12.44

37.
38.

7.24
.26

7.81
.37

7.48
.08

7.21
.29

7.83
.40

7.66
.20

39.
40.

12.97
3.56
14.46

15.43
4.35
14.37
.39
50.88
12.25
1.56

12.16
2.57
15.00
.18
56.78
11.24
1.19

13.23

41.59
1.64
19.63
25.92

38.04

11.20

43.78
2.59
22.49
21.30
9.81

.12

20.55
15.06
.70

22.39
16.61
-

1 .1 1

-

14.85

.31
15.19

30.96
20.35
.67
+ 1.92
21.61

16.11

5.51

5.25

5.63

5.37

4.85

6.29

3.79

5.42

4.21

4.22
6.40

3.47
6.40

4.66
5.91

+

-

-01

7.58
.19

-

13.85
3.20
13.90
.60
52.08
14.07
1.57

11.56
2.30
13.34
.67
55.73
14.16
1.54

10.26
1.15
20.72
.32
50.86
15.10
.98

29.45

28.19

+ 5
0

.22

54.30
12.18
1.53

-

-

.02

-

8.28
.14

-

7.76
.23

-

7.22
.08

-

7.56
.18

-

7.91
.20

-

7.57
.20

-

8.03
.14

-

7.51
.18

-

7.26
.10

-

14.91
1.57
12.61
.62
56.96
11.49
1.37

14.14
1.63
15.20
.41
57.12
10.00
1.06

11.73
2.64
14.31
.74
57.92
10.51
1.59

11.99
2.19
13.37
.29
60.05
10.07
1.56

13.81
3.76
18.52
.20
52.01
10.06
1.18

12.23
4.64
15.00
.34
55.90
9.69
1.47

12.43
5.14
13.87
.45
56.12
10.23
1.33

13.59
5.72
17.81
.28
50.93
9.72
.77

11.07
4.84
12.48
.90
60.40
8.33
1.46

13.96
2.99
13.24
.54
59.03
8.52
1.36

11.08
5.29
17.54
1.03
55.21
8.54
.94

41.
42.
43.
44.
45.
46.
47.

16.81
31.01
11.91

40.73
2.08
18.51
29.10
9.55

39.41
3.04
13.59
32.84
11.10

42.41
2.04
18.13
28.23
9.17

39.31
2.36
17.26
29.94
11.10

50.24
2.21
12.06
24.10
11.37

40.90
3.27
15.30
29.81
10.69

45.05
2.06
15.78
28.83
8.26

36.49
1.91
19.60
28.48
13.49

45.86
2.85
12.40
28.60
10.26

45.14
4.17
10.21
29.24
11.22

43.80
5.48
15.25
27.72
7.73

48.
49.
50.
51.
.52.

1.86

13.79
.55
57.83
10.78
1.49

1.21

24.84
30.68
13.00

25.19
30.77
14.61

24.04
2.15
23.19
29.52
21.08

42.23

2 .0 0

9.10
44.13

9.51
41.70

9.82
40.97

9.23
52.75

8.72
52.66

10.96
52.47

8.92
58.09

8.61
57.71

9.65
58.33

8.49
62.52

8.52
62.17

8.82
62.35

8.59
67.58

8.56
67.62

9.03
66.51

8.62
72.77

8.41
72.87

10.42
73.21

53.
54.

4.43
1.92
7.67

4.02
20.98
6.99

4.51
16.48
7.69

4.29
12.44
7.32

3.79
17.92
6.90

4.14
30.08
6.98

4.44
5.46
7.51

3.96
24.15
6.87

4.37
29.82
7.69

4.43
9.50
7.24

3.98
21.98
6.82

4.10
20.82
6.95

4.34
2.81
7.34

3.93
18.58
6.95

4.42
25.55
7.31

4.48
1.89
7.23

3.97
17.02
6.79

4.37
14.52
7.33

55.
56.
57.

26,422
2,674

26,701
2,854

24,757
2,839

25,068
2,524

25,484
2,427

17,050
2,157

21,737
2,118

23,201
2,199

25,009
2,658

26,560
2,554

24,279
2,333

22,241
2,226

23,543
2,188

20,690
1,862

24,261
2,372

22,281
2,021

23,350
2,043

23,111
2,460

58.
59.

1.12

22.95
22.91
10.77

2.21

Notes are on page 10.




18.

13.60

2.20

14.33
77.60

13.72

.22

20.01
2.66

100.00

34.75
.17
3.55
1.26
13.25
75.68
1.34
24.31
16.85
.69
+ .03
16.19

.11

3.72
3.07
15.08
79.44

33.48
24.62
.46
+ .04
24.20

24.48
17.35
- 1.25

.20

1.91

4.35

2.16

.68

5.87
1.33
2.02

13.62

3.55

4.04

-

5.87
1.25

11.70
1.25

Return on Loans #
39. Interest and. fees on lo a n s ...................................................
40. Net losses ( —) or recoveries ( + ) on loa n s.....................
DISTRIBUTION OF ASSETS
Percentage of Total Assets
41. U. S. Treasury securities^.............................................
42. Securities of other U. S. Govt, agencies & corporations43. Obligations of States and political subdivisions'...........
44. All other securities'...............................................................
45. Gross loans6............................................................................ 46. Cash assets...............................................................................
47. Real estate assets....................................................................

YOUR
BANK

6

7

Member Banks with Deposits of $ 5 0 Million to $ 1 5 0 Million
Time deposits to total deposits

Group
Average

Highest
Quartile

Group
Average

Highest
Quartile

Group
Average

Over 60 per cent

50-60 per cent

Under 50 per cent

Highest
Quartile

1970
PROFITABILITY

1969

1970

1970

1969

1970

1970

1969

1970

4

6

3

20

22

5

24

27

YOUR
BANK

6

Number of banks.......

P ercen tage of Equity Capital Including All R eserves

11.58
11 91

12.90

11.03
11.47

12.29
11.79

11.02
10.65

14.80
14.90

11.43
11.83

11.02
11.08

15.97
16.26

40.19

36.13

37.61

40.23

39.53

35.07

36.42

35.52

24.20

6.56
1.71

1. Income after taxes and before securities gains (losses)0. .

6.01
1.49
1.61
.23
.99

6.32
1.47
2.17
.27
.98
4.90
1.10
1.06

1.42
1.94
28
.92
4.58
.99
.95

6.25
1.25
2.18
.22
.84
4.52
1.35
1.36

6.63
1.42
2.79
.25
1.08
5.55
.92
.95

P ercen tage of N et Income

SOURCES AND DISPOSITION OF INCOME
P ercen tage of Total Assets

.27
1.18
10. Income after taxes and before securities gains (losses)". .

1.09

2.01
1.03
4.88
1.12
1.17

1.18
1.17

.94
4.91
.86
.86

7.48
1.56
2.70
.27
1.41
5.96
1.26
1.28
6.54

1 31
2.43

P ercen tage of Total O p eratin g Income

11.44

10.20

8.62

9.18

7.49

7.52

7.67

.54

.67

2.74

1.54

1.98

1.48

1.99

.85

13.59
24
58.90
16.38
100.00

12.76
.72
65.40
9.73
100.00

11.44
.45
65.96
11.40
100.00

16.70
.64
62.93
10.23
100.00

11.48
.64
68.98
9.87
100.00

10.95
.43
70.48
8.44
100.00

12.10
.13
65.65
14.70
100.00

4.80
8.23
20.39
4.19
30.45
.71
4.42
.99
14.48
75.64

5.72
3.66
20.52
3.39
32.82
.80
4.89
1.07
13.45
76.97

4.91
3.64
16.91
3.09
35.29
.65
3.59
1.27
11.59
72.42

24.35
18.34
.71
.10
18.95

5.28
3.07
19.78
3.43
34.55
.60
4.34
1.22
13.61
77.57
.14
22.42
17.56
.33
.29
16.92

3.95
1.58
18.63
2.91
42.42
1.18
3.88
1.32
13.59
83.96
.15
16.03
13.87
+ .45

3.62
1.80
18.22
2.67
36.54
1.04
3.74
1.49
16.11
79.83
.32
20.16
16.75
+ .39

14.31

4.45
1.50
18.80
2.94
40.79
.63
3.76
1.29
13.33
81.57
1.24
18.42
14.48
.13
+ .15
14.50

13. Interest on securities of U. S. G ovt, agencies &
14. Interest on obligations of States and political
10.21
.18
17. All other operating incom e'....................................................

15.04

19. Service charges on deposit accountsd (part of item 1 7 )........

38
63.21
13.75
100.00

5.42
8.23

6.14
20.77
3.94
26.73
1.00
3.98
1.28
14.29
72.02

25.31

29.
30.
31.
32.
33.

Interest on capital notes and debentures'* (part of item 2 7 ). .
Income before taxes and securities gains (losses).............
Income after taxes and before securities gains (losses)0. .
Net securities gains ( + ) or losses ( —) after tax e ffe c t...
All other additions and subtractions (n e t )'........................

73.74
.31
26.25
17.28
+ .53
.08
17.74

+
-

27.97
20.42
.05
.13
20.34

+
-

-

23.02
16.81
.68
.01
16.11

+
-

27.57
21.75
.16
.02
21.89

17.15

RATES OF RETURN ON SECURITIES AND LOANS
Return on S e c u ritie s/

5.41

5.04

5.12

5.34

5.11

5.07

5.42

4.77

5.52

3.70

3.56

4.93

5.56

5.09

5.06

4.87

5.26

5.23

3.87
3.65

3.74
11.16

4.87
4.48

4.20
7.28

3.73
7.31

4.16
7.81

4.40
6.43

3.74
6.10

4.85
4.25

36. Interest on securities of U. S. G ovt, agencies &
37. Interest on obligations of States and political

Return on Loans &

40. Net losses ( —) or recoveries ( + ) on loans.........................

-

7.93
.21

-

7.38
.16

-

7.85
.09

-

7.90
.18

-

7.57
.11

-

7.96
.20

-

8.28
.20

-

7.51
.14

-

9.34
.25

DISTRIBUTION OF ASSETS
P ercen tage of Total Assets

10.05
2.66
18.89
.65
54.18
11.22
1.4*

10.72
1.46
18.13
.39
54.71
11.87
1.40

9.24
1.71
24.53
.62
50.42
11.73
.95

9.14
1.52
17.25
.59
57.97
10.48
1.62

9.87
1.44
17.30
.33
58.12
10.49
1.45

8.61
1.23
18.34
.33
54.87
12.38
1.61

23.54

38.83
.46
20.50
31.90
8.28

39.99
.57
22.05
29.19
8.18

37.19
.13
23.06
34.92
4.67

38.23
1.31
19.54
32.38
8.52

40.04
1.11
19.12
32.80
6.91

25.57
3.06
23.19
35.68
12.49

9.84
35.99

10.19
40.08

9.27
55.63

9.13
54.88

9.25
54.90

8.40
66.58

8.20
65.62

8.52
65.28

5.47
32.70
7.71

5.27
24.20
7.16

5.73
24.98
7.46

4.49
16.81
7.49

4.10
18.35
7.09

4.56
19.84
7.58

4.82
9.25
7.83

4.23
7.92
7.16

4.91
12.20
9.03

76,953
8,629

96,059
10,334

81,597
9,733

101,150
10,627

107,058
11,216

139,908
14,802

85,763
8,136

87,637
7,874

84,698
8,249

13.10
.61
13.64
.35
51.01
18.81
1.05

10.48
.92

15.72
.16
43.31
19.84
20.95

21.63
.13
36.87
24.85
16.50

9.82
34.24

41. U. S. Treasury securities^............................................. .• •• •
42. Securities of other U. S. G ovt, agencies & corporations^.

23
50.94
18.31
1.01

11.79
.81
17.99
.40
1.13

DISTRIBUTION OF LOANS
P ercen tage of Gross Loans *

20.94
.21

OTHER RATIOS

55. Interest on time and savings deposits to total time

IN THOUSANDS OF DOLLARS

Notes are on page 10.




100.00

Member Banks with Deposits o f $ 1 5 0 Million and Over
Time deposits to total deposits
50-60 per cent

Under 50 per cent
Group
Average

Highest
Quartile

Group
Average

Highest
Quartile

1970

1969

1970

1970

1969

19

18

5

9

6

3

13.59
13.80

11.61
11.35

11.58

11.36
12.25

11.98

11.86
11.35

13.12
13.04

36.40

32.64

43.66

42.35

42.16

52.75

37.82

42.34

6.07

6.00
1.21
1.41
.22
.98
3.83
1.46
1.48

1.40

5.92
1.30
2.37

6.13
1.24
2.57
.21
.90

5.44
.93
.91

7.05

YOUR
BANK

1970

6

1969

22

22

12.89
12.52

12.36
12.09

40.41

6.35
1.58
1.60
.28
1.26
4.73
1.13
1.10

Number of banks.......

Over 60 per cent
Highest
Quartile

1970

1970
PROFITABILITY

Group
Average

Percentage of Equity Capital Including All R eserves

1. Income after taxes and before securities gains (losses)0. .
Percentage of Net Income

SOURCES AND DISPOSITION OF INCOME
P ercentage of Total Assets

10. Income after taxes and before securities gains (losses)0. .

1.51
.26
1.21
4.49
1.04
1.02

1.40
32
4.83
.90
.88

.30
1.33
5.32
1.05
1.13

.26
1.08
5.28
.86
.84

.85
.82

1.03

8 16

8.79

9.84

7.46

8.44

8.84

.27

1 06

.95

1.08

.29

.37

.22

15.34
.35
67.98

11.20
.56

10.74
.58
69.61
9.29

10.99
1.15
66.82
10.08

11.12
.44
72.34
8.32

10.41
.89
71.34
8.52

8.11

100.00
3.00
2.20
16.86
3.09
24.17

100.00
4.40
2.39

100.00
4.52
2.22
19.63
3.65
33.24
3.47
4.57
1.36
13.92
79.87
1.15
20.12
15.12
.20
.02
14.88

100.00
4.46
2.34
20.95
3.79
30.67
3.57
4.63
1.06
14.97
79.66
.78
20.34
15.95
+ .62
+ .69
17.26

100.00
4.06
2.22
19.18
2.87
40.19
2.86
4.12
1.28
12.95
83.48
.28
16.51
13.88
.74
+ .33
13.46

100.00
4.03
2.91
18.76
3.06
40.21
1.06
3.65
1.23
12.47
80.46

P ercentage of Total O p eratin g Income

6.20
13. Interest on securities of U. S. G ovt, agencies &
.70
14. Interest on obligations of States and political
11.24
.30
70.30
11.23
19. Service charges on deposit accounts'1 (part of item 1 7)........

100.00
4.00
3.61
20.77
3.86
25.37
4.42
4.40
1.71
13.74
74.30
.44
25.69
18.14
.27

9.79

17.74

28.
29.
30.
31.
32.

Total operating expenses....................................................
Interest on capital notes and debenturesd (part of item 27) ..
Income before taxes and securities gains (losses).............
Income after taxes and before securities gains (losses)0. .
Net securities gains ( + ) or losses ( —) after tax e ffe ct...

3 61
25.00
4.29
4.48
1.69
13.84
73.87
1.31
26.12
17.43
.57
+ .20
17.06

5.15

25. Net occupancy expense of bank premises...........................
26. Provision for loan losses (n e t)...............................................

10.00

11. uu
100.00
4.36
3.46

4.99

100.00
4.79

25.42

33.14
3.00
4.95
1.40
14.87
82.20
.43
17.79
14.29
.48
+ .18
13.98

5.30

5.67

5.60

6.05

5.41

5.28

5.28

5.74

4.14

7.66

4.59

8.69

5.34

3.77
6.12

4.05
7.35

4.41
5.47

3.56
7.87

4.05
5.43

3.72
1.76
10.18
64.19

+

35.80
25.02
.40

+

19.53
14.67
.59
.02
14.10

42.00
1.09
3.47
.96
12.67
80.42

-

19.57
16.87
.08
16.78

RATES OF RETURN ON SECURITIES AND LOANS
Return on Securities/

36. Interest on securities of U. S. G ovt, agencies &
18 40

4.84

37. Interest on obligations of States and political
4.31
6.00

38. Interest and dividends on all other securities....................

4.22
6.50

3.85
5.96

Return on Loans#

39. Interest and fees on loans.......................................................
40. Net losses ( —) or recoveries ( + ) on loans.........................

-

8.25
.29

-

-

.17

7 83
.31

-

8.08
.20

-

7.40
.13

-

8.07
.14

-

7.74
.14

-

7.14
.09

-

7.52
.08

DISTRIBUTION OF ASSETS
P ercentage of Total Assets

42. Securities of other U. S. G ovt, agencies & corporations7.

7.73
.77
15.57
.31
58.57
13.91
1.43

.60
17.62
.37
56.89

1.50

1.00

9.07
1.18
17.32
.43
57.32
11.57
1.56

9.79
.89
16.98
.48
57.54
11.38
1.50

10.50
.79
17.93
.67
55.19
11.98
1.50

8.68
.89
16.34
.45
60.32
10.38
1.66

37.67
.39

.69

37.47
.39
24.62
27.57
9.93

34.41
45

39 13

9.46
.35
17.14
.76
59.69
10.01
1.38

10.11
.21
19.33
.21
57.51
10 24
1.37

6.67

43.83
2.47
16.57
30.23
6.87

63.87

7.90
63.26

DISTRIBUTION OF LOANS
Percentage of Gross Loans**

23.61
.30
36.32
22.55
17.26

23.66

14.77

16.99

8.25

9.32
40.76

11.06
40.04

11.09
35.34

8.68
55.02

4.71
24.14
7.95

4.61
27.92
7.49

5.09
29.44
7.53

4.67
10.23
7.91

7.27

7.92

7.52

4.19
19.55
7.00

4.57
13.32
7.40

520,778
52,316

480,687
47,036

48,453

37,339

40,217

21,116

30,168

254,306
21,690

25,489

8.18

OTHER RATIOS

8.48

55. Interest on time and savings deposits to total time
4.65

IN THOUSANDS OF DOLLARS

59. Average equity capital including all reserves.....................
Notes are on page 10.




9




NOTES TO TABLES

a Excludes minority interest in operating income, if any.
b Loans include Federal funds sold and securities pur­
chased under agreements to resell.
c Includes net income on trading account securities.
d Averages exclude banks not reporting these items, or
reporting negligible amounts. Ratios are not shown when
fewer than three banks comprise the group.
e Net of tax effect. Includes minority interest in operat­
ing income, if any.
f Excludes trading account securities.
8
Denominator is average of total loans for the 15 cal­
endar days ending with each call date. Loans include Federal
funds sold and securities purchased under agreements to resell.
h Total capital accounts include capital notes and deben­
tures, and all valuation reserves.
“ Excludes seven member banks whose ratios would have
distorted the averages.
00
Banks headquartered in Manhattan with deposits over
$1 billion.
* Less than .01 per cent.

10

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