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Statistics on the Structure
of Commercial Banking in the
Sixth Federal Reserve District
1950, I960, and 1965


https://fraser.stlouisfed.org
Federal Reserve Bank of St. Louis

Federal Reserve Bank of Atlanta
Revised: February 1968

CONTENTS

Table
No.
I

II

III

IV

V

VI

VII

VIII

IX

X

XI

XII

Title
Number of Banks and Branches in Sixth District States,
1950, 1960, and 1965
//

Page

1

Population and Income Density of Bank Offices (Banks
and Branches) Sixth District States, 1950, 1960, and
1965

5

Changes in Banks and Branches, 1950 and 1960, in Counties
of Population Increase and Decrease, Sixth District States

6

Total Deposits of All Insured Banks Classified Within
Counties of Varying Population Change Between 1950 and
1960—1950, 1960 and 1965

8

Size Distribution of All Commercial Banks in Sixth
District States, 1950, 1960, and 1965.

12

Size Distribution of Member Banks in Sixth District
States, 1950, 1960, and 1965

14

Size Distribution of Nonmember Banks in Sixth District
States, 1950, 1960, and 1965

16

Amount and Percent Distribution of Assets of Sixth District
Member Banks, 1950, 1960, and 1965

18

Amount and Percent Distribution of Member Bank Assets Among
Sixth District States, 1950, 1960, and 1965

20

Amount and Percent Distribution of Liabilities Among Sixth
District Member Banks, 1950, 1960, and 1965

22

Amount and Percent Distribution of Member Bank Liabilities
Among Sixth District States, 1950, 1960, and 1965

24

Average Operating Ratios of Member Banks in the Sixth
District, 1950, 1960, and 1965

26


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Federal Reserve Bank of St. Louis

TABLE I
NUMBER OF BANKS AND BRANCHES IN SIXTH DISTRICT STATES
1950, 1960, AND 1965

1950
1/
Percent
Number of Total

1960
1/
Percent—
Number
of Total

1965

Number

1/
Percentof Total

Alabama
Class of Bank
Member of Federal
Reserve System
Nonmember

93
132

41
59

93
145

39
61

110
153

42
58

Par
Nonpar

129
96

57
43

155
83

65
35

193
70

73
27

National
State

70
155

31
69

69
169

29
71

86
177

33
67

Unit Banks
Banks Operating
Branches

219

97

214

90

216

82

6

3

24

10

47

18

225
26
251

90
10
100

238
90
328

73
27
100

263
163
426

62
38
100

74
125

37
63

129
180

42
58

203
240

46
54

Nonpar

130
61

68
32

259
42

86
14

403
33

92
8

National
State

62
137

31
69

119
190

39
61

195
248

44
56

Unit Banks
Banks Operating
Branches—

193

97

296

96

426

96

6

3

13

4

17

4

199
6
205

97
3
100

309
14
323

96
4
100

443
18
461

96
4
100

Bank Offices
Banks
Branches
Total
Florida
Class of Bank
Member of Federal
Reserve System
Nonmember

Par—/

Bank Offices
Banks
Branches
Total


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Federal Reserve Bank of St. Louis

1

TABLE I (Continued)
1950_______ , _________ 1960________ . ,
Percent—1
Percent—'
Number
of Total Number
of Total

1965

Number

Percent—
of Total

Georgia

Class of Bank
Member of Federal
Reserve System
Nonmember

66
331

17
83

67
354

16
84

71
358

17
83

Par
Nonpar

113
284

28
72

140
281

33
67

175
254

41
59

National
State

51
346

13
87

53
368

13
87

57
372

13
87

Unit Banks
Banks Operating
Branches

378

95

394

94

360

84

19

5

27

6

69

16

397
42
439

90
10
100

421
106
527

80
20
100

429
196
625

69
31
100

47
118

28
72

53
137

28
72

57
157

27
73

Par
Nonpar

61
104

37
63

82
108

43
57

113
101

53
47

National
State

36
129

22
78

42
148

22
78

47
167

22
78

Unit Banks
Banks Operating
Branches

126

76

126

66

130

61

39

24

64

34

84

39

165
77
242

68
32
100

190
176
366

52
48
100

214
248
462

46
54
100

Bank Offices
Banks
Branches
Total

Louisiana

Class of Bank
Member of Federal
Reserve System
Nonmember

Bank Offices
Banks
Branches
Total


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Federal Reserve Bank of St. Louis

2

TABLE I (Continued)

1950
Number

I960

Percent—7
of Total Number

1965
Percent—7
of Total

Number

Percent—7
of Total

Mississippi

Class of Bank
Member of Federal
Reserve System
Nonmember

31
170

15
85

35
158

18
82

43
153

22
78

Par
Nonpar

40
161

20
80

54
139

28
72

78
118

40
60

National
State

24
177

12
88

27
166

14
86

37
159

19
81

Unit Banks
Banks Operating
Branches

164

82

124

64

98

50

37

18

69

36

98

50

201
68
269

75
25
100

193
136
329

59
41
100

196
221
417

47
53
100

82
215

28
72

83
214

28
72

85
213

29
71

2/
ParNonpar

204
91

69
31

217
78

74
26

231
66

78
22

National
State

72
225

24
76

75
222

25
75

76
222

26
74

Unit Banks
Banks Operating
Branches

264

89

222

75

192

64

33

11

75

25

106

36

297
98
395

75
25
100

297
216
513

58
42
100

298
329
627

48
52
100

Bank Offices
Banks
Branches
Total

Tennessee
Class of Bank
Member of Federal
Reserve System
Nonmember

Bank Offices
Banks
Branches
Total


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Federal Reserve Bank of St. Louis

3

TABLE I (Continued)

Percent—^
Number

of Total

1960_______ , ,
----------- !/
PercentNumber
of Total

________ 1965

Number

T
Percentof Total

Six States

Class of Bank
Member of Federal
Reserve System
Nonmember

393
1091

26
74

460
1188

28
72

569
1274

31
69

677
797

46
54

907
731

55
45

1193
642

65
35

National
State

315
1169

21
79

385
1263

23
77

498
1345

27
73

Unit Banks
Banks Operating
Branches

1344

91

1376

83

1422

77

140

9

272

17

421

23

1484
317
1801

82
18
100

1648
738
2386

69
31
100

1843
1175
3018T

61
39
100

Par 2/

Nonpar

Bank Offices
Banks
Branches
Total

1/ Class of bank is given as percent of total number of banks; banks and branches are
given as percent of total number of offices.
2_/ Excludes banks and trust companies on which no checks are drawn.
3/ Branches are those at military bases; otherwise, banks in Florida are legally pro­
hibited from operating branches.
Source:

Federal Deposit Insurance Corporation, Annual Reports.


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Federal Reserve Bank of St. Louis

4

TABLE II

POPULATION AND INCOME DENSITY OF BANK OFFICES (BANKS PLUS BRANCHES)
SIXTH DISTRICT STATES - 1950, 1960, AND 1965

Number of Bank Offices per
100,000 Population

Number of Bank Offices per
$100 Million of Personal Income

1950

1960

1950

1960

1965

Alabama

8.2

10.0

9.4

6.8

6.4

Florida

7.4

6,5

5.6

3.3

3.3

Georgia

12.7

13.4

12.5

8.3

6.6

9.0

11.2

8.2

6.7

6.3

Mississippi

12.3

15.1

16.9

12.9

11.2

Tennessee

12.0

14.4

12.0

9.3

8.1

Six States

10.3

11.3

10.2

6.9

6.2

Louisiana

Source:

See Table I.


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Federal Reserve Bank of St. Louis

5

TABLE III

CHANGES IN BANKS AND BRANCHES” , 1950 AND 1960
IN COUNTIES OF POPULATION INCREASE AND DECREASE
SIXTH DISTRICT STATES

Alabama___________________
Counties of
Counties of
Population
Population
Increase
Decrease
Total
Number of Counties
New Banks
New Branches
Banks Converted
into Branches
Banks Liquidated—
Branches
Discontinued
Net Change in
.
Bank Offices—


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Federal Reserve Bank of St. Louis

____________ Georgia
Counties of
Counties of
Population
Population
Increase
Decrease

24
17
48

43
6
1

67
23
49

54
109
--

13
---

67
109
--

62
32
57

9
2

9
2

-1

---

—

--

1

2

--

2

2

--

7

+ 68

+106

“-

+ 61

+

Louisiana
Counties of
Counties of
Population
Population
Decrease
Increase
Number of Counties
New Banks
New Branches
Banks Converted
into Branches 2/
Banks Liquidated—
Branches
Discontinued
Net Change in
,
Bank Offices—

____________ Florida___________________
Counties of
Counties of
Population
Population
Increase
Decrease
Total

Total

Mississippi
Counties of
Counties of
Population
Population
Increase
Decrease

Total

97
13

159
45
57

6
5

—
10

6
15

2

4

--

4

+106

+ 80

3

+ 83

Total

—

+

Tennessee
Counties of
Counties of
Population
Population
Increase
Decrease

Tota]

45
22
88

19
4
2

64
26
90

21
-23

61
5
29

82
5
52

37
7
93

58
1
7

95
8
100

3
--

---

3
--

1
1

6
4

7
5

6
1

2
1

8
2

4

--

4

2

--

2

6

--

6

6

+112

+ 20

+ 30

+ 50

+ 93

7

+100

+106

+

+


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Federal Reserve Bank of St. Louis

TABLE III (Continued)

Number of Counties
New Banks
New Branches
Banks Converted
into Branches
Banks Liquidated—
Branches Discontinued
Net Change in
Bank Offices

Counties of
Population Increase

Six States
Counties of
Population Decrease

Total

243
187
309

291
29
39

534
216
348

25
10
20

8
15
--

33
25
20

+466

+ 53

+519

^Branches do not include facilities at military or other U. S. Government establishments.

—.Excludes banks converted into branches.
3/
—
Figures differ from changes derived from Table I, chiefly because facilities at military
establishments are excluded.
SOURCE:

Board of Governors, Federal Reserve System.

TABLE IV

TOTAL DEPOSITS OF ALL INSURED BANKS
CLASSIFIED WITHIN COUNTIES OF VARYING POPULATION CHANGE BETWEEN 1950 AND I960
1950, 1960, AND 1965

ALABAMA

Percent Change
in County Pop.
1950 - 1960

_____________ Total Deposits"
$ Thousands
Dec. 1965
Dec. 1950
Dec. 1960

~------------ -Demand Deposits__________
$ Thousands
Dec. 1950 Dec. IL960
Dec. 1965

___________ Time Deposits
$ Thousands
Dec. 1950 Dec. L960
Dec. 1965

+ 50 or More

27 384

50 692

110 638

17 953

32 128

83 525

5 125

12 514

27 113

+ 20 to + 49

331 376

494 261 “

773 263

181 614

254 939

458 101

77 144

158 480

315 162

+ 10 to + 19

505 249

775 646

353 768

313 125

456 384

236 913

94 022

181 959

116 855

0 to + 9

165 433

280 089

468 543

101 443

133 549

262 604

36 300

95 261

205 939

90 647

152 789

242 279

62 837

80 777

142 694

16 606

50 048

99 585

151 223

233 090

385 512

106 251

115 421

228 771

24 233

80 248

156 741

1 271 312

1 986 567

2 334 003

783 223

1 073 198

1 412 608

253 430

578 510

921 395

- 1 to - 10
- 11 or More

Total

FLORIDA

+ 50 or More

1 824 937

4 297 620

7 164 842

1 120 438

2 423 888

4 295 810

311 459

1 075 715

2 869 032

+20 to + 49

120 361

244 787

370 963

63 237

124 107

239 987

26 223

65 989

130 976

+ 10 to + 19

21 249

38 654

43 237

11 718

17 624

23 979

6 722

15 356

19 258

0 to + 9

18 836

31 313

53 925

12 112

15 221

31 795

3 664

10 213

22 130

- 1 to - 10

10 782

18 927

20 651

6 542

9 093

13 434

2 020

5 353

7 217

- 11 or More

12 159

20 679

32 539

6 466

8 824

17 293

3 271

7 403

15 246

2 008 324

4 651 980

7 686 157

1 220 513

2 598 757

4 622 298

353 359

1 180 029

3 063 859

Total
00


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Federal Reserve Bank of St. Louis

TABLE IV (Continued)

GEORGIA

J/

Percent Change
in County Pop.
1950 - 1960.

Dec. 1950

Total Deposits
$ Thousands
Dec. 1960
Dec. 1965

Demand Deposits
$ Thousands '
Dec. 1950 'Dec. 1960 Dec. 1965

23 008

49 297

98.837

340 197* 1 01*5 43&

96 075

197 099

593 292

745 433

1 163 001

124 807

241 283

548 497

84 899

105 145

208 385

20 910

60 882

134 008

422 218

120 713

139 330

243 918

28 668

88 898

178 300

145 095

242 365

69 225

68 917

132 764

17 533

53 894

109 601

2 781 438

4 592 065

1 078 436

1 494 663

2 929,530

311 001

691 353

1 662 535
/

166 0T4z,Y

50.or More

90 240

166 143

20 to + 49

429 696

633 094

1 608 730

259 418

10 to + 19

867 908

1 379 819

1 711 498

488 888

to + 9

122 845

194 772

.342 393

1 ito - 10

170 940f

262 515

97 917
1 779 546

11 or More

Total

Dec. 1950

Time Deposits
$ Thousands
Dec. 1960
Dec. 1965

LOUISIANA
+ 50 or More

81 935

213 107

419 159

49 674

104 189

305 904

16 175

48 563

113 255

+ 20 to + 49

349 021

613 274

1 069 323

175 207

295 338

749 593

57 345

133 348

319 730

+ 10 to + 19

840 173

1 093 645

1 616 076

426 563

565 340

1 132 617

123 419

250 482

483 459

0 to + 9

105 931

157 092

244 307

79 678

96 851

167 815

9 852

32 427

76 492

18 941

29 808

46 382

99 827

11 664

25 643

4 960

12 521

20 739

——

——

- 1 to - 10

- 11 or More
Total

!_/

—

396 001

District portion only,


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Federal Reserve Bank of St. Louis

——
2 106 926

3 395 247

740 949

——
1 073 382

——
2 381 572

—--

—--

211 751

477 341

—--

1 013 675

TABLE IV (Continued)

MISSISSIPPI

Percent Change
in County Pop.
1950 - 1960
+ 50 or More

Dec. 1950

Total Deposits
$ Thousands
Dec. 1960 Dec. 1965
55 052

-----

Dec. 1950

Demand Deposits_______
$ Thousands
Dec. 1960 Dec. JL965

—

—

36 705

____________ Time Deposits
$ Thousands
Dec. 1950 Dec. 1960
Dec. 1965
—

—

18 347

+ 20 to + 49

35 538

59 527

587 102

18 354

32 436

428 537

9 837

14 957

158 565

+ 10 to + 19

49 365

81 361

113 754

29 949

41 440

77 727

12 064

22 053

36 027

0 to + 9

53 644

78 681

226 266

30 880

39 166

135 324

10 931

21 475

90 942

- 1 to - 10

68 793

115 185

122 664

43 084

54 094

70 223

15 904

42 181

52 441

- 11 or More

279 333

470 680

171 116

140 109

217 910

102 066

48 634

102 419

69 050

Total

486 673

805 434

1 275 954

262 376

385 046

850 582

97 370

203 085

425 372

—

—

—--

—

—

—

TENNESSEE 1/
+ 50 or More

-----

-----

+ 20 to + 49

497 091

802 909

1 351 952

238 156

363 603

794 097

108 420

224 231

557 855

+ 10 to + 19

405 308

569 445

916 021

209 083

261 507

551 426

96 887

174 842

364 595

0 to + 9

208 408

351 017

567 765

118 751

155 065

282 151

63 435

150 779

285 614

- 1 to - 10

98 844

172 152

253 856

56 883

74 384

127 400

28 733

78 055

126 456

- 11 or More

64 902

102 966

191 690

38 775

45 897

93 575

18 721

45 258

98 115

1 274 553

1 998 489

3 281 284

661 648

900 456

1 848 649

316 196

673 165

1 432 635

Total

1/

District portion only.

o


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Federal Reserve Bank of St. Louis

-----

TABLE IV (Continued)

SIXTH DISTRICT

___________ Demand Deposits________
$ Thousands
Dec. 1950 Dec. 1960 Dec. 1965

_____________ Time Deposits
$ Thousands
Dec. 1950
Dec. 1960
Dec. 1965

Percent Change
in County Pop.
1950 - 1960

_____________ Total Deposits_________
$ Thousands
Dec. 1965
Dec. 1960
Dec. 1950

+ 50 or More

2 024 496

4 727 562

8 014 552

1 243 358

2 655 846

4 887 968

355 767

1 186 089

3 126 584

+ 20 to + 49

1 763 083

2 847 852

5 761 333

935 986

1 410 620

3 685 753

375 044

794 104

2 075 580

+ 10 to + 19

2 689 252

3 938 570

4 754 354

1 479 326

2 087 728

3 185 663

457 921

885 975

1 568 691

0 to + 9

675 097

1 092 964

1 903 199

427 763

544 997

1 088 074

145 092

371 037

815 125

- 1 to - 10

458 947

751 376

1 108 050

299 886

369 342

623 312

96 891

277 056

484 738

- 11 or More

605 534

972 510

1 023 222

360 826

456 969

574 469

112 392

289 222

448 753

14 330 834 22 564 710

4 747 145

7 525 502 14 045 239

1 543 107

3 803 483

8 519 471

8 216 409

Total

SOURCE:

Call Report of Condition


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Federal Reserve Bank of St. Louis

TABLE V

SIZE DISTRIBUTION OF ALL COMMERCIAL
BANKS IN SIXTH DISTRICT STATES
1950, 1960, AND 1965

Deposit Size of
Bank $ Millions
1950
Less than 1
1-2
2-5
5-10
10 - 25
25 - 50
50 - 100
100 - 250
250 or More
Total

Alabama
%
No. Dist.

Florida
7/o
No. Dist.

Georgia
70
No. Dist.

Louisiana^/ Mississippi^ Tennessee^'
7o

No.

Dist.

No.

Dist.

District

7
/o

7o

No.

Dist.

7o

No.

Dist.

59
77
56
10
14
1
4
1
0
222

26
35
25
4
6
1
2
1
0
100

21
33
49
37
26
7
5
3
0
181

12
18
27
20
14
4
3
2
0
100

132
87
63
22
11
3
0
2
2
322

41
27
20
6
3
1
0
1
1
100

8
12
40
14
8
5
0
3
1
91

9
13
44
15
9
6
0
3
1
100

15
25
31
10
5
0
2
0
0
88

17
29
35
11
6
0
2
0
0
100

52
47
51
19
10
1
3
3
0
186

28
25
27
10
5
1
2
2
0
100

287
281
290
112
74
17
14
12
3
1090

26
26
27
10
7
1
1
1
1
100

26
48
102
33
16
6
2
3
1
237

11
20
43
14
7
2
1
1
1
100

8
28
73
65
85
25
8
5
1
298

3
9
24
22
28
8
3
2
1
100

58
96
132
47
17
7
1
2
2
^362_

16
26
36
13
4
2
1
1
1
100

5
7
29
22
11
0
2
0
0
76

7
9
38
29
14
0
3
0
0
100

4
12
37
12
4
1
0
0
0
70

6
17
53
17
6
1
0
0
0
100

28
31
37
19
9
2
0
0
0
126

22
25
30
15
7
1
0
0
0
100

129
222
410
198
142
41
13
10
4
1169

11
19
35
17
12
3
1
1
1
100

1960
Less than 1
1-2
2-5
5-10
10 - 25
25 - 50
50 - 100
100 - 250
250 or More
Total

1/

District portion only.


https://fraser.stlouisfed.org
Federal Reserve Bank of St. Louis

TABLE V (Continued)

SIZE DISTRIBUTION OF.ALL COMMERCIAL
BANKS IN SIXTH DISTRICT STATES
1950, 1960, AND 1965

Deposit Size of
Bank $ Millions
1965

Less than 1
1-2
2-5
5-10
10 - 25
25 - 50
50 - 100
100 - 250
250 or More
Total

Alabama
%
No. Dist.

10
28
102
77
27
10
3
5
1
263

4
11
39
29
10
4
1
2
*
100

1/

District portion only.

*

.5 or less.

SOURCE:


https://fraser.stlouisfed.org
Federal Reserve Bank of St. Louis

Florida
7.

No. Dist.
3
18
125
111
109
50
13
10
1
440

Call Report of Condition

1
4
29
25
25
11
3
2
*
100

Georgia
%
No. Dist.
27
56
152
93
42
7
5
1
4
387

7
15
39
24
11
2
1
*
1
100

Louisiana—/ Mississippi-^/Tennessee^/

District"

No.

No.

3
8
26
38
36
8
5
5
3
132

Dist.

No.

Dist.

2
6
20
29
27
6
4
4
2
100

3
6
28
28
20
4
1
1
1
92

3
7
31
30
22
4
1
1
1
100

No.

12
26
57
48
42
6
2
5
2
200

Dist.

6
13
29
24
21
3
1
2
1
100

58
142
490
395
276
85
29
27
12
1514

Dist

4
9
32
26
18
6
2
2
1
100

TABLE VI

SIZE DISTRIBUTION OF MEMBER BANKS
IN SIXTH DISTRICT STATES
1950, 1960, AND 1965

Louisiana^ Mississippi^/Tennessee^/

District

No.

%
Dist.

No.

Dist.

No.

Dist.

No.

Dist.

No.

1
3
18
34
24
9
7
4
0
100

4
16
22
10
7
3
0
2
2
66

6
24
33
15
11
5
0
3
3
100

0
2
10
6
6
4
0
3
1
32

0
6
31
19
19
13
0
9
3
100

0
2
5
7
3
0
2
0
0
19

0
11
26
36
16
0
11
0
0
100

6
12
26
12
5
1
3
3
0
68

9
18
38
18
7
2
4
4
0
100

19
56
110
69
52
16
14
12
3
351

5
16
31
20
15
5
4
3
1
100

2
2
13
19
38
15
6
4
1
100

1
6
20
15
12
5
1
2
2
6.4

2
9
31
23
19
8
2
3
3
100

0
0
3
11
10
3
6
2
1
36

0
0
8
31
28
8
17
5
3
100

0
0
5
5
9
1
0
2
0
22

0
0
23
23
41
4
0
9
0
100

0
9
20
25
9
1
2
4
1
71

0
13
28
35
13
1
3
6
1
100

7
24
99
102
103
33
19
18
6
411

2
6
24
25
25
8
5
4
1
100

Deposit Size of
Bank $ Millions
1950

Alabama
7/o
No. Dist.

Florida
%
No. Dist.

Less than 1
1-2
2-5
5-10
10 - 25
25 - 50
50 - 100
100 - 250
250 or More
Total

8
22
34
9
13
1
4
1
0
92

9
24
37
10
14
1
4
1
0
100

1
2
13
25
18
7
5
3
0
74

4
6
35
23
16
4
2
3
1
94

4
7
37
25
17
4
2
3
1
100

2
3
15
23
48
19
8
5
1
124

Georgia

7o

Dist.

1960

Less than 1
1-2
2-5
5-10
10 - 25
25 - 50
50 - 100
100 - 250
250 or More
Total

V

District portion only


https://fraser.stlouisfed.org
Federal Reserve Bank of St. Louis

TABLE VI (Continued)

SIZE DISTRIBUTION OF MEMBER BANKS
IN SIXTH DISTRICT STATES
1950, I960, AND 1965

Deposit Size o f
Bank $ Million s
1965

Less than 1
1-2
2-5
5-10
10 - 25
25 - 50
50 - 100
100 - 250
250 or More
Total

1/

Alabama
%
No. Dist.
3
6
27
35
22
9
2
5
1
110

3
5
25
32
20
8
2
4
1
100

Florida
%
No. Dist.
1
3
42
48
57
30
11
10
1
203

District portion only.

SOURCE:


https://fraser.stlouisfed.org
Federal Reserve Bank of St. Louis

Call Report of Condition

1
1
21
24
28
15
5
5
*
100

No.

%
Dist.

Louisiana^/ Mississippi^/Tennessee^/
7
7
"
7~
/o
/o
/o
No. Dist.
No. Dist.
No. Dist.

0
2
15
23
16
5
5
1
4
71

0
3
21
32
23
7
7
1
6
100

0
1
5
5
14
4
4
4
3
40

Georgia

0
3
12
12
35
10
10
10
8
100

0
1
1
5
12
3
0
1
1
24

0
4
4
21
50
13
0
4
4
100

2
5
9
25
22
1
1
5
2
72

3
7
12
35
31
1
1
7
3
100

District

-----------7/o—
No.
6
18
99
141
143
52
23
26
12
520

Dist.

1
4
19
27
28
10
4
5
2
100

TABLE VII

SIZE DISTRIBUTION OF NONMEMBER
BANKS IN SIXTH DISTRICT STATES
1950, 1960, AND 1965

Deposits Size of
Bank $ Millions
1950

Less than 1
1-2
2-5
5-10
10 - 25
25 - 50
50 - 100
100 - 250
250 or More
Total

Alabama
%

No.

Dist.

Florida
%
No. Dist.

Georgia
7Zo
No. Dist.

Louisiana^' Mississippi^/ Tennessee.!/
7Zo
%
%
No. Dist.
No. Dist.
No. Dist.

District
%
No. Dist

51
55
22
1
1
0
0
0
0
130

39
42
17
1
1
0
0
0
0
100

20
31
36
12
8
0
0
0
0
107

19
29
34
11
7
0
0
0
0
100

128
71
41
12
4
0
0
0
0
256

50
28
16
5
1
0
0
0
0
100

8
10
30
8
2
1
0
0
0
59

14
17
51
14
3
1
0
0
0
100

15
23
26
3
2
0
0
0
0
69

22
33
38
4
3
0
0
0
0
100

46
35
25
7
5
0
0
0
0
118

39
30
21
6
4
0
0
0
0
100

268
225
180
43
22
1
0
0
0
739

36
30
24
6
3
1
0
0
0
100

22
42
67
10
0
2
0
0
0
143

15
29
47
7
0
2
0
0
0
100

6
25
57
42
38
6
0
0
0
174

3
15
33
24
22
3
0
0
0
100

57
90
112
32
5
2
0
0
0
298

19
30
37
11
2
1
0
0
0
100

5
7
29
22
11
0
2
0
0
76

7
9
38
29
14
0
3
0
0
100

4
12
37
12
4
1
0
0
0
70

6
17
53
17
6
1
0
0
0
100

28
31
37
19
9
2
0
0
0
126

22
25
29
15
7
2
0
0
0
100

122
207
339
137
67
13
2
0
0
887

14
23
38
15
8
1
1
0
0
100

1960

Less than 1
1-2
2-5
5-10
10 - 25
25 - 50
50 - 100
100 - 250
250 or More
Total

1/

District portion only.


https://fraser.stlouisfed.org
Federal Reserve Bank of St. Louis

TABLE VII (Continued)

SIZE DISTRIBUTION OF NONMEMBER
BANKS IN SIXTH DISTRICT STATES
1950, 1960, AND 1965

Deposits Size of
Bank $ Millions

/US
Less than 1
1-2
2-5
5-10
10 - 25
25 - 50
50 - 100
100 - 250
250 or More
Total

1/

Alabama
%
No. Dist.

7
22
75
42
5
1
1
0
0
153

5
14
49
27
3
1
1
0
0
100

Georgia

Florida

No. Dist.

2
15
83
63
52
20
2
0
0
237

No.

1
6
35
27
22
8
1
0
0
100

27
54
137
70
26
2
0
0
0
316

District portion only.

SOURCE:

Call Report of Condition

(—1

https://fraser.stlouisfed.org
Federal Reserve Bank of St. Louis

/
/

Louisiana^ Mississippi!/ Tennessee!./

Dist.

No.

Dist.

No.

Dist.

9
17
43
22
8
1
0
0
0
100

3
7
21
33
22
4
1
1
0
92

3
8
23
36
24
4
1
1
0
100

3
5
27
23
8
1
1
0
0
68

4
7
40
34
12
2
1
0
0
100

No.

10
21
48
23
20
5
1
0
0
128

Dist.
8
16
37
18
16
4
1
0
0
100

District"
No.

52
124
391
254
133
33
6
1
0
994

Dist

5
13
39
26
13
3
1
*
0
100

TABLE VIII

AMOUNT AND PERCENTAGE DISTRIBUTION OF
ASSETS OF SIXTH DISTRICT MEMBER BANKS
1950, 1960, AND 1965

1950

Loans &
Discounts
U. S. Govt.
Securities
Other
Securities
Reserves, Cash,
& Bank Balances
All Other
Assets___________
Total Assets

H*

00

1/
https://fraser.stlouisfed.org
Federal Reserve Bank of St. Louis

1950

Florida
7a Distribution
Millions $
1960
1960
1950
1965
1965

357.8

789.4

1311.9

31.5

43.1

47.7

364,7

1410.9

2669.4 22.2

37.0

44.7

366.6

439.6

527.9

32.3

24.0

19.2

712.4

1040.9

1155.3 43.3

27.3

19.3

101.8

181.9

354.4

9.0

9.9

12.9

103.5

272.9

6.3

7.2

11.4

295.6

389.5

502.6

26.0

21.3

18.3

442.7

998.6

1281.4 26.9

26.2

21.5

53.2
1.2
2750.0 100.0

1.7
100.0

22.0
1.9
100.0 1645.3

89.2
3812.5

187.1 1.3
5971.6100.0

2.3
100.0

3.1
100.0

13.2
32.0
1135.0 1832.4

1950
Loans &Discounts
U. S. Govt.
Securities
Other
Securities
Reserves, Cash,
& Bank Balances
All Other
Assets___________
Total Assets

Alabama
7a Distribution
Millions $
1950
1960
1965
1960
1965

542.3

Georgia
7a Distribution
Millions $
1960
1950
1965
1960
1965

1950

678.4

Louisiana —/
7a Distribution
Millions $
1950
1960
1965
1960
1965

1103.2 2027.5

40.0

48.8

56.1

304.3

722.4 1283.5

25.9

39.3

48.3

324.5

403.0

435.2

23.9

17.8

12.0

459.8

497.7

483.9

39.1

27.1

18.2

05.1

124.8

309.2

6.3

5.5

8.6

74.7

123.1

272.6

6.3

6.7

10.2

387.1

580.5

736.4

28.5

25.6

20.4

319.9

461.8

562.8

27.2

25.1

21.2

51.3 106.1
2262.8 3614.4

1.3
100.0

2.3
100.0

2.9
18.0
33.4
55.1
100.0 1176.7 1838.4 2657.9

1.5
100.0

1.8
100.0

2.1
100.0

18.0
1357.0

District portion only

TABLE VIII (Continued)

AMOUNT AND PERCENTAGE DISTRIBUTION OF
ASSETS OF SIXTH DISTRICT MEMBER BANKS
1950, 1960, AND 1965

Loans &
Discounts
U. S. Govt.
Securities
Other
Securities
Reserves, Cash,
& Bank Balances
All Other
Assets
Total Assets

1/

1950

Mississippi—^
% Distribution
Millions
1960
1960
1950
1965
1965

73.2

241.2

444.7

26.5

42.4

50.4

357.4

770.5 1338.8

33.6

43.6

50.4

78.1

116.6

143.6

28.2

20.5

16.3

345.4

424.6

479.3

32.5

24.1

18.1

39.2

63.7

107.0

14.2

11.2

12.1

63.1

127.9

253.3

5.9

7.2

9.5

82.2

132.4

160.1

29.7

23.3

18.1

283.5

415.8

532.4

26.7

23.6

20.1

3.9
276.6

15.2
569.1

27.3
882.7

1.4
100.0

2.6
100.0

3.1
14.1
26.2
49.4
100.0 1063.5 1765.0 2653.2

1.3
100.0

1.5
100.0

1.9
100.0

District portion only.

SOURCE:


https://fraser.stlouisfed.org
Federal Reserve Bank of St. Louis

Call Report of Condition

1950

Tennessee —/__________
% Distribution
Millions I
1960
1950
1960
1965
1965

TABLE IX

AMOUNT AND PERCENTAGE DISTRIBUTION
OF MEMBER BANK ASSETS AMONG SIXTH DISTRICT STATES
1950, 1960, AND 1965

____________ Loans & Discounts________
Millions $
% Distribution
1960
1950
1960
1950
1965
1965
Alabama
Florida
Georgia
Louisiana
Mississippi U
Tennessee

357.8 789.4 1311.9
364.7 1410.9 2669.4
542.3 1103.2 2027.5
304.3 722.4 1283.5
73.2 241.2 444.7
357.4 770.5 1338.8

17.9
18.2
27.1
15.2
3.7
17.9

15.7
28.0
21.9
14.3
4.8
15.3

Sixth District

1999.7 5037.6 9075.8

100.0

100.0

1950
101.8
103.5
85.1
74.7
39.2
63.1

181.9
272.9
124.8
123.1
63.7
127.9

354.4
678.4
309.2
272.6
107.0
253.3

21.8
22.1
18.2
16.0
8.4
13.5

20.3
30.5
14.0
13.8
7.1
14.3

Sixth District

467.4

894.3 1974.9

100.0

100.0

1/

District portion only.

kj

o


https://fraser.stlouisfed.org
Federal Reserve Bank of St. Louis

366.6 439.6 527.9
712.4 1040.9 1155.3
324.5 403.0 435.2
459.8 497.7 483.9
78.1 116.6 143.6
345.4 424.6 479.3

16.0
31.2
14.2
20.1
3.4
15.1

15.0
35.6
13.9
17.0
4.0
14.5

16.4
35.8
13.5
15.0
4.4
14.9

100.0 2286.8 2922.4 3225.2

100.0

100.0

100.0

14.5
29.4
22.3
14.1
4.9
14.8

Other Securities
Millions $
7O Distribution
1960
1965
1950
1960
1965

Alabama
Florida
Georgia
Louisiana —'
Mississippi A/
Tennessee —/

_____U. S. Government Obligations_______
_______ Millions $
7> Distribution
1950
1960
1950
1960
1965
1965

17.9
34*4
15.7
13.8
5.4
12.8

Reserves, Cash, & Bank Balances
7a Distribution
Millions $
1950
1960
1950
1960
1965
1965

295.6
442.7
387.1
319.9
82.2
283.5

389.5 502.6
998.6 1281.4
580.5 736.4
461.8 562.8
132.4 160.1
415.8 532.4

16.3
24.4
21.4
17.7
4.5
15.7

13.1
33.5
19.5
15.5
4.4
14.0

13.3
33.9
19.5
14.9
4.3
14.1

100.0 1811.0 2978.6 3775.7

100.0

100.0

100.0

TABLE IX (Continued)

AMOUNT AND PERCENTAGE DISTRIBUTION
OF MEMBER BANK ASSETS AMONG SIXTH DISTRICT STATES
1950, 1960, AND 1965

1950

All Other Assets
Millions $
% Distribution
1950
1960
1965
1960
1965

Mississippi V
Tennessee 1/

13.2
22.0
18.0
18.0
3.9
14.1

32.0
89.2
51.3
33.4
15.2
26.2

53.2
187.1
106.1
55.1
27.3
49.4

14.8
24.6
20.2
20.2
4.4
15.8

12.9
36.1
20.7
13.5
6.2
10.6

Sixth District

89.2

247.3

478.2

100.0

100.0

Alabama
Florida
Georgia
Louisiana —/

JL/

District portion only.

SOURCE:


https://fraser.stlouisfed.org
Federal Reserve Bank of St. Louis

Call Report of Condition

Total Assets
_______ Millions $
% Distribution
1960
1965
1950
1960
1950
1965
15.2
31.6
18.7
15.2
4.7
14.6

14.9
32.2
19.5
14.3
4.8
14.3

100.0 6654.1 12080.:2 18529.8 100.0 100.0

100.0

11.1
39.1
22.2
11.5
5.7
10.4

1135.0
1645.3
1357.0
1176.7
276.6
1063.5

1832.4
3812.5
2262.8
1838.4
569.1
1765.0

2750.0
5971.6
3614.4
2657.9
882.7
2653.2

17.0
24.7
20.4
17.7
4.2
16.0

TABLE X

AMOUNT AND PERCENTAGE DISTRIBUTION OF
LIABILITIES AMONG SIXTH DISTRICT MEMBER BANKS
1950, 1960, AND 1965

1950

Total Deposits
Demand
Deposits
Time
Deposits
Capital
Accounts
Borrowings &
Other Liabilities
Total
Liabilities

N5
ro


1/ District
https://fraser.stlouisfed.org
Federal Reserve Bank of St. Louis

Alabama
% Distribution
1950
1960
1965

Florida
% Distribution
Millions $
1950
1960
1965
1950
1960
1965

1051.5 1654.7 2480.1

92.7

90.3

90.2 1540.0 3467.8 5381.3

93.6

91.0

90.1

837.3 1198.2 1545.9

73.8

65.4

56.2 1294.1 2568.4 3314.5

78.7

67.4

55.5

899.4 2066.8

14.9

23.6

34.6

214.2

456.5

934.2

18.9

24.9

34.0

245.9

74.0

148.2

220.0

6.5

8.1

8.0

97.2

289.6

453.8

5.9

7.6

7.6

9.5

29.5

50.0

0.8

1.6

1.8

8.1

55.1

136.4

0.5

1.4

2.3

1135.0 1832.4 2750.1

100.0

100.0

100.0 1645.3 3812.5 5971.5

100.0

100.0

100.0

1950
Total Deposits
Demand
Deposits
Time
Deposits
Capital
Accounts
Borrowings &
Other Liabilities
Total
Liabilities

Millions $
1960
1965

Millions $
1960
1965

Georgia
% Distribution
1950
1960
1965

1/'
Louisiana —
Millions $
% Distribution
1950
1960
1950
1965
1960
1965

1263.9 2017.9 3162.1

93.1

89.2

87.5 1108.3 1679.5 2421.1

94.2

91.4

91.1

1077.1 1588.5 2113.3

79.4

70.2

58.5

935.5 1296.4 1709.1

79.5

70.5

64.3

13.7

19.0

29.0

172.8

383.1

712.0

14.7

20.9

26.8

186.8

429,4 1048.8

82.4

191.1

310.3

6.1

8.4

8.6

58.1

139.8

202.1

4.9

7.6

7.6

10.7

53.8

142.0

0.8

2.4

3.9

10.3

19.1

34.7

0.9

1 0

1 3

1357.0 2262.8 3614.4

100.0

100.0

100.0 1176.7 1838.4 2657.9

100.0

100.0

100.0

portion only

TABLE X (Continued)

AMOUNT AND PERCENTAGE DISTRIBUTION OF
LIABILITIES AMONG SIXTH DISTRICT MEMBER BANKS
1950, 1960, AND 1965

1950

Total Deposits
Demand
Deposits
Time
Deposits
Capital
Accounts
Borrowings &
Other Liabilities
Total
Liabilities

1/

Mississippi —/
% Distribution
Millions $
1960
1965
1960
1965
1950

259.7

519.2

790.3

93.9

91.2

89.5

993.7 1611.5 2400.9

93.4

91.3

90.5

208.6

404.2

549 0

75.4

71.0

62.2

750.1 1105.1 1411.5

70.5

62.6

53.2

51.1

115.0

241.3

18.5

20.2

27.3

243.6

506.4

989.4

22.9

28.7

37.3

15.3

42.9

75.7

5.5

7.6

8.6

63.5

123.2

184.8

6.0

7.0

7.0

1.6

7.0

16.5

0.6

1.2

1.9

6.3

30.3

67.5

0.6

1.7

2.5

276.6

569.1

882.5

100.0

100.0

100.0 1063.5 1765.0 2653.2

100.0

100.0

100.0

District portion only.

SOURCE:

ro
to

https://fraser.stlouisfed.org
Federal Reserve Bank of St. Louis

Tennessee —
7O Distribution
Millions $
1960
1965
1950
1960
1950
1965

Call Report of Condition

TABLE XI

AMOUNT AND PERCENTAGE DISTRIBUTION
OF MEMBER BANK LIABILITIES AMONG SIXTH DISTRICT STATES
1950, 1960, AND 1965

1950

____________ Total Deposits___________________
Millions $_____
% Distribution______
1960
1960
1950
1965
1965

_____________________ Demand Deposits____________
_________ pillions $_____
% Distribution
1950
1960
1965
1950
1960
1965

Alabama
Florida
Georgia
Louisiana —
Mississippi V
Tennessee A/

1051.5
1540.0
1263.9
1108.3
259.7
993.7

1654.7
3467.8
2017.9
1679.5
519.2
1611.5

2480.1
5381.3
3162.1
2421.1
790.3
2400.9

16.9
24.8
20.3
17.8
4.2
16.0

15.1
31.8
18.4
15.3
4.7
14.7

14.9
32.3
19.0
14.6
4.8
14.4

837.3
1294.1
1077.1
935.5
208.6
750.1

1198.2
2568.4
1588.5
1296.4
404.2
1105.1

1545.9
3314.5
2113.3
1709.1
549.0
1411.5

16.4
25.4
21.1
18.3
4.1
14.7

14.7
31.4
19.5
15.9
5.0
13.5

14.5
31.1
19.8
16.1
5.2
13.3

Sixth District

6217.1

10950.6

16635.8

100.0

100.0

100.0

5102.7

8160.8

10643.3

100.0

100.0

100.0

1950

Time Deposits
% Distribution
Millions $
1960
1965
1950
1960
1965

1950

Borrowings & Other Liabilities
Millions $
% Distribution
1960
1965
1950
1960
1965

Alabama
Florida
Georgia
Louisiana V
Mississippi 1/
Tennessee A/

214.2
245.9
186.8
172.8
51.1
243.6

456.5
899.4
429.4
383.1
115.0
506.4

934.2
2066.8
1048.8
712.0
241.3
989.4

19.2
22.1
16.8
15.5
4.6
21.8

16.4
32.2
15.4
13.7
4.1
18.2

15.6
34.5
17.5
11.9
4.0
16.5

9.5
8.1
10.7
10.3
1.6
6.3

29.5
55.1
53.8
19.1
7.0
30.3

50.0
136.4
142.0
34.7
16.5
67.5

20.4
17.4
23.0
22.2
3.4
13.6

15.1
28.3
27.6
9.8
3.6
15.6

11.2
30.5
31.7
7.8
3.7
15.1

Sixth District

1114.4

2789.8

5992.5

100.0

100.0

100.0

46.5

194.8

447.1

100.0

100.0

100.0

1/

District portion only.

ho


https://fraser.stlouisfed.org
Federal Reserve Bank of St. Louis

TABLE XI (Continued)

AMOUNT AND PERCENTAGE DISTRIBUTION
OF MEMBER BANK LIABILITIES AMONG SIXTH DISTRICT STATES
1950, 1960, AND 1965

1950

Capital Accounts_______________
Millions $_____
% Distribution______
1960
1950
1960
1965
1965

Alabama
Florida
Georgia
Louisiana U
Mississippi V
Tennessee ±J

74.0
97.2
82.4
58.1
15.3
63.5

148.2
289.6
191.1
139.8
42.9
123.2

220.0
453.8
310.3
202.1
75.7
184.8

18.9
24.9
21.1
14.9
3.9
16.3

15.9
31.0
20.4
15.0
4.5
13.2

15.2
31.4
21.4
14.0
5.2
12.8

1135.0
1645.3
1357.0
1176.7
276.6
1063.5

1832.4
3812.5
2262.8
1838.4
569.1
1765.0

2750.1
5971.5
3614.4
2657.9,
882.5
2653.2

17.0
24.7
20.4
17.7
4.2
16.0

15.2
31.6
18.7
15.2
4.7
14.6

14.8
32.2
19.5
14.4
4.8
14.3

Sixtn District

390.5

934.8

1446.7

100.0

100.0

100.0

6654.1

12080.2

18529.6

100.0

100.0

100.0

1/

District portion only.

SOURCE:

Call Report of Condition

N3
Oi


https://fraser.stlouisfed.org
Federal Reserve Bank of St. Louis

_____________________ Total Liabilities
_________ Millions $_____
% Distribution
1950
1960
1950
1960
1965
1965

TABLE XII
AVERAGE OPERATING RATIOS OF MEMBER BANKS IN THE
SIXTH DISTRICT - 1950, 1960, AND 1965

All District Member Banks
1950
1960
1965

SUMMARY RATIOS
Percentage of total capital accounts
Net current earnings before income taxes
Profits before income taxes
Net profits
Cash dividends declared
Percentage of total assets
Total earnings
Net current earnings before income taxes
Net profits

16.7
14.5
10.6
3.2
3.°55/
n.a. —
.75

SOURCE AND DISPOSITION OF EARNINGS
Percentage of total earnings
Interest on U. S. Govt, securities
21.9
6.0
Interest and dividends on other securities
Earnings on loans
57.5
Service charges on deposit accounts
6'9 5/
#Trust department earnings —/
n.a. —
Other current earnings
7.7
100.0
Total earnings
30.7
Salaries and wages
Interest on time deposits
n.a.
30.8
Other current expenses
61.5
Total expenses
38.5
Net current earnings before income taxes
Net losses (or recoveries and profits +) 3/ - 4.4
Net increase (or net decrease +) in
valuation reserves
n.a. 5/
9.0
Taxes on net income
25.1
Net profits

RATES OF RETURN ON SECURITIES & LOANS
Return on securities
Interest on U. S. Govt, securities
Interest and dividends on other securities
Net losses (or recoveries and profits +)
on total securities 3/
Return on loans

1.7
2.7
n.a. 5/

6.0
Earnings on loans
Net losses (or net recoveries +) on loans 3/ - .2


https://fraser.stlouisfed.org
Federal Reserve Bank of St. Louis

16.9
14.8
10.6
3.1

4.55
1.36
.86

14.7
11.5
8.5
2.8
5.28
1.22
.70

21.7
6.9
59.2
7.3
2.6
4.9
100.0
28.3
18.0
41.6
69.9
30.1
.9

18.3
7.3
62.6
7.6
2.9
4.2
100.0
25.8
25.8
50.7
76.5
23.5
3.0

2.5
7.5
19.2

2.0
4.9
13.6

3.39
3.09

4.02
3.59

+ .21

.00

6.91
.22

7.21
.29

26

TABLE XII (Continued)

DISTRIBUTION OF ASSETS
Percentage of total assets
U. S. Govt, securities
Other securities
Loans
Cash assets
Real-estate assets
All other assets
Total assets

OTHER RATIOS
Total capital accounts to
Total assets
• Total assets less Government securities
and cash assets
’Total deposits
Time deposits to total deposits 47
Interest on time deposits to time deposits

1/ Banks with none were excluded
current earnings."
2/ Banks with none were excluded
current expenses."
3/ Includes recoveries or losses
4/ Banks with none were excluded
5/ Not available.

SOURCE:

1950

1960

1965

35.9
7.6
30.1
25.4
.8
.2
100.0

28.0
10.3
39.2
20.5
1.7
.3
100.0

23.1
11.1
46.2
16.8
2.4
.4
100.0

7.3

8.4

9.1

16.8
9.3
33.0
2.63

15.6
10.4
40.6
3.6i

20.8
8.0
23.7
1.0

in computing this average.

Ratio included in "Other

in computing this average.

Ratio included in "Other

applied to either earnings or valuation reserves.
in computing this average.

Report of Income and Dividends; Call Report of Condition


https://fraser.stlouisfed.org
Federal Reserve Bank of St. Louis

27