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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 https://fraser.stlouisfed.org 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 https://fraser.stlouisfed.org 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 https://fraser.stlouisfed.org 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 https://fraser.stlouisfed.org 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. https://fraser.stlouisfed.org 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. https://fraser.stlouisfed.org 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— https://fraser.stlouisfed.org 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 + + https://fraser.stlouisfed.org 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 https://fraser.stlouisfed.org 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, https://fraser.stlouisfed.org 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 https://fraser.stlouisfed.org 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 https://fraser.stlouisfed.org 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
