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STATISTICS ON  THE STRUCTURE OF  COMMERCIAL BANKING INTHE  SIXTH  FEDERAL RESERVE DISTRICT 1950 and 1960  Research Department  Federal Reserve Bank of Atlanta  https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis  January 1962 Atlanta, Georgia  CONTENTS  Table No.  I  II  III  IV  V  VI  VII  Title  Page  Number of Banks and Branches in Sixth District States, 1950 and 1960  1  Population and Income Density of Bank Offices (Banks Plus Branches) Sixth District States, 1950 and 1960  5  Changes in Banks and Branches, 1950 and 1960, in Counties of Population Increase and Decrease, Sixth District States  6  Change in Total Deposits of all Insured Banks Classified within Counties of Varying Population Change* 1950 and 1960  8  Size Distribution of all Commercial Banks in Sixth District States, 1950 and 1960  12  Size Distribution of Member Banks in District States, 1950 and 1960  13  Size Distribution of Non-member Banks in District States, 1950 and 1960  14  VIII Amount and Percentage Distribution of Assets of District Member Banks, 1950 and 1960  15  Amount and Percentage Distribution of Member Bank Assets among Sixth District States, 1950 and 1960  16  Amount and Percentage Distribution of Liabilities among District Member Banks, 1950 and 1960  17  Amount and Percentage Distribution of Member Bank Liabilities among Sixth District States, 1950 and 1960  18  Average Operating Ratios of Member Banks in the Sixth Federal Reserve District in 1950 and 1960  19  IX  X  XI  XII   https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis  TABLE I  NUMBER OF BANKS AND BRANCHES IN SIXTH DISTRICT STATES 1950 and 1960  s  1250 Percent of total Number  1960 Percent i/ of total Number  Alabama  Class of Bank Member of Federal Reserve System Non-member  93 132  41 59  93 145  39 61  Total Par Non-par  129 96  57 43  155 83  65 35  National State  70 155  31 69  69 169  29 71  Unit Banks Banks Operating Branches  219 6  97 3  214 24  90 10  225 26 251  90 10 100  238 90 328  73 27 100  74 125  37 63  129 180  42 58  Total Par — Non-p ar  130 61  68 32  259 42  86 14  National State  62 137  31 69  119 190  39 61  193 Unit Banks 6 Banks Operating Branches 3/  97 3  296 13  96 4  97 3 100  309 14 323  96 4 100  Bank Offices Banks Branches Total  Florida Banks Member of Federal Reserve System Non-member  Bank Offices Banks Branches Total   https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis  199 6 205  2 TABLE I (Continued)  1950 Number  1960  Percent Az of total  Number  Percent — of total  Georgia  Banks Member of Federal Reserve System Non-member  66 331  17 83  67 354  16 84  Total Par Non-par  113 284  28 72  140 281  33 67  National State  51 346  13 87  53 368  13 87  Unit Banks Banks Operating Branches  378 19  95 5  394 27  94 6  397 42 439  90 10 100  421 106 527  80 20 100  47 118  28 72  53 137  28 72  Total Par Non -par  61 104  37 63  82 108  43 57  National State  36 129  22 78  42 148  22 78  Unit Banks Banks Operating Branches  126 39  76 24  126 64  66 34  165 77 242  68 32 100  190 176 366  52 48 100  Bank Offices Banks Branches Total Louisiana  Banks Member of Federal Reserve System Non-member  Bank Offices Banks Branches Total   https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis  3  TABLE I (Continued)  Number  1250 Percent—' of total  1960 Number  Percent •=•' of total  Mississippi Banks Member of Federal Reserve System Non-member  31 170  15 85  35 158  18 82  Total Par Non-p ar (non-member)  40 161  20 80  54 139  28 72  National State  24 177  12 88  27 166  14 86  Unit Banks Banks Operating Branches  164 37  82 18  124 69  64 36  201 68 269  75 25 100  193 136 329  59 41 100  82 215  28 72  83 214  28 72  Total Par U Non-par (non-member)  204 91  69 31  217 78  74 26  National State  72 225  24 76  75 222  25 75  Unit Banks Banks Operating Branches  264 33  89 11  222 75  75 25  297 98 395  75 25 100  297 216 513  58 42 100  Bank Offices Banks Branches Total  Tennessee Banks Member of Federal Reserve System Non-member  Bank Offices Banks Branches Total   https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis  4  TABLE I (Continued)  1950 Number  1960 Percent 1/ of total  Percent V  Number  of total  Six States Banka Member of Federal Reserve System Non-member  393 1091  26 74  460 1188  28 72  677 797  46 54  907 731  55 45  National State  315 1169  21 79  385 1263  23 77  Unit Banks Banks Operating Branches  1344 140  91 9  1376 272  83 17  1484 317 1801  82 18 100  1648 738 2386  69 31 100  Total Par i/ Non- par (non-member)  Bank Offices Bank 8 Branches Total  Source: Federal Deposit Insurance Corporation, Annual Reports \J 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 prohibited from operating branches   https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis  5  TABLE II  POPULATION ANO INCOME DENSITY OF BANK OFFICES (BANKS PLUS BRANCHES) SIXTH DISTRICT STATES - 1950 and 1960  Number of Bank Offices per 100,000 population  Number of Bank Offices per $100 million of personal income  1950  1960  1950  1960  Alabama  8.2  10.0  9.4  6.8  Florida  7.4  6.5  5.6  3.3  Georgia  12.7  13.4  12.5  8.3  9.0  11.2  8.2  6.7  Mississippi  12.3  15.1  16.9  12.9  Tennessee  12.0  14.4  12.0  9.3  Six States  10.3  11.3  10.2  6.9  Louisiana  Source:  See Table I   https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis  TABLE III  CHANGES IN BANKS AND BRANCHES-, 1950 - 1960 IN COUNTIES OF POPULATION INCREASE AND DECREASE, SIXTH DISTRICT STATES  ____________ Georgia Counties of Counties of Population Population Increase Decrease  Total  62 32 57  97 13 —  159 45 57  1  6 5  — 10  6 15  2  4  —  4  Alabama _____ Florida_____________________________ _____________ Counties of Counties of Counties of Counties of Population Population Population Population Decrease Total Increase Increase Decrease Total  No. of Counties New banks New branches Banks converted into branches Banks Liquidated^' Branches discontinued Net change in _ , bank offices^7  67 23 49  54 109 —  13  9 2  9 2  — 1  —  2  2  2  68  + 106  43 6 1  24 17 48  +  61  +  7  Louisiana Counties of Counties of Population Population Increase Decrease No. 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  +  Total  67 109  —  —  + 106  Mississippi Counties of Counties of Population Population Increase Decrease  Total  +  80  +  3  Tennessee Counties of Counties of Population Population Increase Decrease  +  83  Total  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  7  + 100  + 106  +  +  20  +  30  +  50  +  93  +  O'  TABLE III (Continued)  Six States No. of Counties No. of Counties Population Increase Population Decrease  No. of Counties New banks New branches Banks converted into branches Banks Liquidated — Branches discontinued Net change in bank offices  Total  243 187 309  291 29 39  534 216 348  25 10 20  8 15 —  33 25 20  53  + 519  + 466  +  Source: Board of Governors, Federal Reserve System 1/ Branches here do not include facilities at military or other U. S. Government establishments. 2/ Excludes banks converted into branches. 3/ Figures differ from changes derived from Table I, chiefly because facilities at military establishments are excluded.   https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis  TABLE IV  CHANGE IN TOTAL DEPOSITS OF ALL INSURED BANKS CLASSIFIED WITHIN COUNTIES OF VARYING POPULATION CHANGE 1950 and 1960 ALABAMA Percent Change in County Pop. 1950 - 1960  Total Deposits Thousands of dollars Percent Dec. 1950 Dec. 1960 Change  Demand Deposits Time Deposits Thousands of dollars Percent Thousands of dollars Percent Dec. 1950 Dec. 1960 Change Dec. 1950 Dec. 1960 Change  50 or more  27 384  50 692  + 85.1  17 953  32 128  + 79.0  5 125  12 514  + 144.2  20 to + 49  331 376  494 261  + 49.2  181 614  254 939  + 40.4  77 144  158 480  + 105.4  10 to + 19  505 249  775 646  + 53.5  313 125  456 384  + 45.8  94 022  181 959  +  to + 9  165 433  280 089  + 69.3  101 443  133 549  + 31.6  36 300  95 261  + 162.4  1 to - 10  90 647  152 789  + 68.6  62 837  80 777  + 28.6  16 606  50 048  + 201.4  11 or more  151 223  233 090  + 54.1  106 251  115 421  +  8.6  24 233  80 248  + 231.2  1 271 312  1 986 567  + 56.3  783 223  1 073 198  + 37.0  253 430  578 510  + 128.3  + 116.3  311 459  1 075 715  + 245.4  Total  93.5  FLORIDA  + 50 or more  1 824 937  4 297 620  + 135.5  1 120 438  2 423 888  + 20 to + 49  120 361  244 787  + 103.4  63 237  124 107  +  96.3  26 223  65 989  + 151.6  + 10 to + 19  21 249  38 654  +  81.9  11 718  17 624  +  50.4  6 722  15 356  + 128.4  0 to + 9  18 836  31 313  +  66.2  12 112  15 221  +  25.7  3 664  10 213  + 178.7  - 1 to - 10  10 782  18 927  +  75.5  6 542  9 093  +  39.0  2 020  5 353  + 165.0  12 159  20 679  +  70.1  6 466  8 824  +  36.5  3 271  7 403  + 126.3  2 008 324  4 651 980  +131.6  1 220 513  2 598 757  + 112.9  353 359  1 180 029  + 233.9  11 or more  Total   https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis  oo  TABLE IV (Continued)  GEORGIA Percent Change in County Pop 1950 - 1960  Total Deposits Thousands of dollars Percent Dec. 1950 Dec. 1960 Change  Demand Deposits Thousands of dollars Percent Dec. 1950 Dec. 1960 Change  Tim#4 Deposits Thousands of dollars Percent Dec. 1950 Dec. 1960 Change  + 50 or more  90 240  166 143  +  84.1  55 293  95 641  +  73.0  23 008  49 297  + 114.3  ♦ 20 to + 49  429 696  633 094  +  47.3  259 418  340 197  +  31.1  96 075  197 099  + 105.2  + 10 to + 19  867 908  1 379 819  +  59.0  488 888  745 433  +  52.5  124 807  241 283  +  0 to + 9  122 -845  194 772  +  58.6  84 899  105 145  +  23.8  20 910  60 882  + 191.2  - 1 to - 10  170 940  262 515  +  53.6  120 713  139 330  +  15.4  28 668  88 898  + 210.1  - 11 or more  97 917  145 095  +  48.2  69 225  68 917  -  0.4  17 533  53 894  + 207.4  1 779 546  2 781 438  +  56.3  1 078 436  1 494 663  +  38.6  311 001  691 353  + 122.3  Total  LOUISIANA  104 189  + 109.7  16 175  48 563  + 200.2  75.7  175 207  295 338  +  68.6  57 345  133 348  + 132.5  +  30.2  426 563  565 340  +  32.5  123 419  250 482  + 103.0  157 092  +  48.3  79 678  96 851  +  21.6  9 852  32 427  + 229.1  29 808  +  57.4  9 827  11 664  +  18.7  4 960  12 521  + 152.4  —  —  —  —  —  —  44.9  211 751  477 341  + 125.4  81 935  213 107  + 160.1  + 20 to + 49  349 021  613 274  +  + 10 to + 19  840 173  1 093 645  0 to + 9  105 931 18 941  - 11 or more  Total  —  1 396 001  kf  49 674  + 50 or more  - 1 to - 10  93.3  —  2 106 926  +  50.9  740 949  —  1 073 382  +  1/ District portion only   https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis  vo  TABLE IV (Continued)  SIXTH DISTRICT Percent Change in County Pop. 1950 - 1960  Total Deposits___________ Thousands of dollars Percent Dec. 1950 Dec. 1960 Change  + 50 or more  2 024 496  4 727 562  + 133.5  + 20 to + 49  1 763 083  2 847 852  +  + 10 to + 19  2 689 252  3 938 570  0 to + 9  675 097  1 092 964  -1 to - 10  458 947  - 11 or more  605 534  Total   https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis  ________ Demand Deposits________ Thousands of dollars Percent Dec. 1950 Dec. 1960 Change  1 243 358  2 655 846  + 113.6  61.5  935 986  1 410 620  +  50.7  46.5  1 479 326  2 087 728  +  41.1  +  61.9  427 763  544 997  +  751 376  j.  63.7  299 886  369 342  972 510  +  60.6  360 826  8 216 409 14 330 834  +  74.4  4 747 145  ________ Time Deposits___________ Thousands of dollars Percent Dec. 1950 Dec. 1960 Change  1 186 089  + 233.4  794 104  + 111.7  457 921  885 975  +  27.4  145 092  371 037  + 155.7  +  23.2  96 891  277 056  + 185.9  456 969  +  26.6  112 392  289 222  + 157.3  7 525 502  +  58.5  1 543 107  3 803 483  + 146.5  355 767  375 044  93.5  TABLE V  SIZE DISTRIBUTION OF ALL COMMERCIAL BANKS IN SIXTH DISTRICT STATES  1950 and 1960  DeDosit size of Alabama 7. bank-mils.of dols. No. Dist. 1950 Less than 1 1-2 2-5 5-10 10-25 25-50 50 - 100 100 - 250 250 or more Total  Florida % Ko. Dist.  Georgia 7. No. Dist.  Louisiana— Mississippi — Tennessee —' 7. 7. No. Dist. No. Dist. No. Dist.  District 7. 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 i5i  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 “85  17 29 35 11 6 0 2 0 0 100  52 47 51 19 10 1 3 3 0 188  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 l n 1 100  26 48 102 33 16 6 2 3 1 237  11 20 *6 14 7 2 1 1 1 100  8 28 73 65 85 25 8 5 1 29S  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 0 128  22 25 30 15 7 1 0 0 0 100  129 222 410 198 142 41 13 10 4 II89  11 19 35 17 12 3 1 1 1 100  I960  Less than 1 1-2 2-5 5-10 10 - 25 25-50 50 - 100 100 - 250 250 or more Total  If  District portion only   https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis  TABLE VI  SIZE DISTRIBUTION OF MEMBER BANKS IN DISTRICT STATES 1950 and 1960  Alabama Deposit size of 7. ^nk-mi Is. of dollars No. Dist. Less than 1 1-2 2-5 5-10 10-25 25-50 50-100 100-250 250 or more Total  Florida No.  Dist.  8 22 3^ 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  1 3 18 3^ 24 9 7 4 0 100  4 6 35 23 16 4 2 3 1 9^  4 7 37 25 17 4 2 3 1 100  2 3 15 23  2 2 13 19 38 15 6 4 1 100  ’Ll  12  Ll  Georgia X No. Dist.  Louisiana-"' Mississippi- Tennessee""’ X X X No. Dist. No. Dist. No. Dist.  4 16 22 10 7 3 0 2 2  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  6 0 12 11 26 26 12 36 16 5 0 1 11 3 0 3 0 0 100 ‘ “55“  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 9 31 23 19 8 2 3 3 100  0 0 3 11 10 3 6 2 1  0 0 8 31 28 8 17 5 3 100  0 0 5 5 9 1 0 2 0 22  0 0 23 23 4l 4 0 9 0 100  0 13 28 35 13 1 3 6 1 100  7 24 99 102 103 33 19 18 6  2 6 24 25 25 8 5 4 1 100  “55“  Six- States X No. Dist,  I960.  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  48  19 8 5 1 125*  1 6 20 15 12 5 1 2 2  “54  ^5  0 9 20 25 9 1 2 4 1 71  rar  TABLE VII  SIZE DISTRIBUTION OF NON-MEMBER BANKS IN DISTRICT STATES  1950 and 1960  Alabama Deposit size of bank-mils.of do'Liars % No. Di st. 1950 Less than 1 1-2 2-5 5-10 10 - 25 25-50 50 - ioo 100 - 250 250 or more Total  Florida No.  Bist.  Georgia 7. No. Dist.  rT-- States Louisiana— 'Mississippi— Tennessee — ’-- Six 7c 7. 7. 7. No. Dist. No. Dist. No. Dist. 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 3^ 11 7 0 0 0 0 100  128 71 41 12 4 0 0 0 0 25^  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 H8  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 17^  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  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 0 128  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  I960 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  15  TABLE VIII AMOUNT AND PERCENTAGE DISTRIBUTION GF ASSETS OF DISTRICT MEMBER BANKS 1950 and 1960  AT abama______________ Millions of $ 7. Distribution 1960 1950 1950 1960  Loans & Discounts U. S. Govt. Securities Other Securities Reserves, Cash, & Bank Balances All Other Assets Total Assets  Loans & Discounts U. S. Govt. Securities Other Securities Reserves, Cash, & Bank Balances All Other Assets  Total Assets  Georgia 7. Distribution Millions of 8 1960 1950 1950 1960  357.8  789.4  31.5  43.1  364.7  1410.9  22.2  37.0  542.3  1103.2  40.0  48.8  366.6  439.6  32.3  24.0  712.4  1040.9  43.3  27.3  324.5  403.2  23.9  17.8  101.8  181.9  9.0  9.9  103.5  272.9  6.3  7.2  85.1  124.8  6.3  5.5  295.6  389.5  26.0  21.3  442.7  998.6  26.9  26.2  387.1  580.5  28.5  25.6  13.2 1135.0  32.0 1832.4  1.2 100.0  1.7 100.0  22.0 1645.3  89.2 3812.5  1.3 100.0  2.3  100.0  18.0 1357.0  51.3 2262.8  1.3 100.0  2.3 100.0  Louisiana Millions of $ 7. Distribution 1950 1960 1950 1960  Mississippi U 7. Distribution Millions of $ 1950 1960 1950 1960  304.3  722.4  25.9  39.3  73.2  241.2  26.5  42.4  357.4  770.5  33.6  43.6  459.8  497.7  39.1  27.1  78.1  116.6  28.2  20.5  345.4  424.6  32.5  24.1  74.7  123.1  6.3  6.7  39.2  63.7  14.2  11.2  63.1  127.9  5.9  7.2  319.9  461.8  27.2  25.1  82.2  132.4  29.7  23.3  283.5  415.8  26.7  23.6  18.0  33.4  1.5  1.8  3.9  15.2  1.4  2.6  14.1  26.2  1.3  1.5  1176.7  1838.4  100.0  100.0  276.6  569.1  100.0  100.0  1063.5  1/ District portions only   https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis  ______________ Florida______ _ 7. Distribution Millions of $ 1960 1960 1950 1950  Tennessee U 7. Distribution Millions of $ 1950 1960 1950 1960  1765.0  100.0  100.0  TABLE IX  AMOUNT AND PERCENTAGE DISTRIBUTION OF MEMBER BANK ASSETS AMONG SIXTH DISTRICT STATES 1950 and 1960  Loans & Discounts_____ U. S. Government Obligations 7. Distribution 7. Distribution Millions of $ Millions of $ 1960 1950 1960 1950 1960 1960 1950 1950 Alabama Florida Georgia Louisiana — Mississippi Tennessee —' Sixth District  Other Securities Millions of $ % Distribution 1960 1950 1950 1960  357.8 364.7 542.3 304.3 73.2 357.4  789.4 1410.9 1103.2 722.4 241.2 770.5  17.9 18.2 27.1 15.2 3.7 17.9  15.7 28.0 21.9 14.3 4.8 15.3  366.6 712.4 324.5 459.8 78.1 345.4  439.6 1040.9 403.0 497.7 116.6 424.6  16.0 31.2 14.2 20.1 3.4 15.1  15.0 35.6 13.9 17.0 4.0 14.5  101.8 103.5 85.1 74.7 39.2 63.1  181.9 272.9 124.8 123.1 63.7 127.9  21.8 22.1 18.2 16.0 8.4 13.5  20.3 30.5 14.0 13.8 7.1 14.3  1999.7  5037.6  100.0  100.0  2286.8  2922.4  100.0  100.0  467.4  894.3  100.0  100.0  Reserves . Cash, & Bk. Balances Millions of $ % Distribution 1950 1960 1950 1960  Total Assets All Other Assets Millions of .$ ’I Distribution Millions of $ 7. Distribution 1960 1950 1950 1960 1950 1960 1950 IV60  Alabama Florida Georgia Louisiana — Mississippi —' Tennessee —‘  295.6 442.7 387.1 319.9 82.2 283.5  389.5 998.6 580.5 461.8 132.4 415.8  16.3 24.4 21.4 17.7 4.5 15.7  13.1 33.5 19.5 15.5 4.4 14.0  13.2 22.0 18.0 18.0 3.9 14.1  32.0 89.2 51.3 33.4 15.2 26.2  14.8 24.6 20.2 20.2 4.4 15.8  12.9 36.1 20.7 13.5 6.2 10.6  1135.0 1645.3 1357.0 1176.7 276.6 1063.5  1832.4 3812.5 2262.8 1838.4 569.1 1765.0  17.0 24.7 20.4 17.7 4.2 16.0  15.2 31.6 18.7 15.2 4.7 14.6  Sixth District  1811.0  2978.6  100.0  100.0  89.2  247.3  100.0  100.0  6654.1  12080.2  100.0  100.0  1/  Includes District portion only   https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis  TABLE X  AMOUNT AND PERCENTAGE DISTRIBUTION OF LIABILITIES AMONG DISTRICT MEMBER BANKS 1950 and 1960  Alabama_______________ % Distribution Millions of $ 1960 1950 1960 1950  Deposits Demand Deposits Time Deposits Capital Accounts Borrgs. & other Liabilities Total Liabilities  1/  92.7  90.3  1540.0. 3467.8  93.6  91.0  1263.9 2017.9  93.1  89.2  837.3 1198.2  73.8  65.4  1294.1 2568.4  78.7  67.4  1077.1 1588.5  79.4  70.2  214.2  456.5  18.9  24.9  245.9  899.4  14.9  23.6  186.8  429.4  13.7  19.0  74.0  148.2  6.5  8.1  97.2  289.6  5.9  7.6  82.4  191.1  6.1  8.4  9.5  29.5  .8  1.6  8.1  55.1  .5  1.4  10.7  53.8  .8  2.4  1135.0 1832.4  100.0  100.0  1645.3 3812.5  100.0  100.0  1357.0 2262.8  100.0  100.0  . .1/ Mississippi— % Distribution Millions of $ 1950 1960 1950 1960  Tennessee —' 7. Distribution Millions of $ 1960 1950 1960 1950  1108.3 1679.5  94.2  91.4  259.7  519.2  93.9  91.2  993.7 1611.5  93.4  91.3  935.3 1296.4  79.5  70.5  208.6  404.2  75.4  71.0  750.1 1105.1  70.5  62.6  172.8  383.1  14.7  20.9  51.1  115.0  18.5  20.2  243.6  506.4  22.9  28.7  58.1  139.8  4.9  7.6  15.3  42.9  5.5  7.6  63.5  123.2  6.0  7.0  10.3  19.1  .9  1.0  1.6  7.0  .6  1.2  6.3  30.3  .6  1.7  1176.7 1838.4  100.0  100.0  276.6  569.1  100.0  100.0  1063.5 1765.0  100.0  100.0  Includes District portion only   https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis  _____________ Georgia 7. Distribution Millions of $ 1950 1960 1950 1960  1051.5 1654.7  Louisiana — 7. Distribution Millions of $ 1950 1960 1950 1960  Deposits Demand Deposits Time Deposits Capital Accounts Borrgs. & other Liabilities Total Liabilities  ____________ Florida____________ Millions of '$ 7. Distribution 1960 i960 1950 1950  TABLE XI  AMOUNT AND PERCENTAGE DISTRIBUTION OF MEMBER BANK LIABILITIES AMONG SIXTH DISTRICT STATES 1950 and 1960 Demand Deposits Time Deposits Tntal Deposits % Distribution Millions of $7. Distribution Millions of $ 7. Distribution Millions or $1960 1960 1950 1960 1960 1960 1960 1950 1950 1950 1950 1950  Alabama Florida Georgia Louisiana ~ Mississippi y Tennessee —  1051.5 1540.0 1263.9 1108.3 259.7 993.7  1654.7 3467.8 2017.9 1679.5 519.2 1611.5  16.9 24.8 20.3 17.8 4.2 16.0  15.1 31.8 18.4 15.3 4.7 14.7  837.3 1294.1 1077.1 935.5 208.6 750.1  1198.2 2568.4 1588.5 1296.4 404.2 1105.1  16.4 25.4 21.1 18.3 4.1 14.7  14.7 31.4 19.5 15.9 5.0 13.5  214.2 245.9 186.8 172.8 51.1 243.6  456.5 899.4 429.4 383.1 115.0 506.4  19.2 22.1 16.8 15.5 4.6 21.8  16.4 32.2 15.4 13.7 4.1 18.2  Sixth District  6217.1 10950.6  100.0  100.0  5102.7  8160.8  100.0  100.0  1114.4  2789.8  100.0  100.0  Borrowings & Other Liabilities 7„ Distribution Millions of $1960 1950 1960 .1950  Total Liabilities Capital Accounts 7. Distribution Millions of. $ 7o DistriPution Millions of_S_ 1960 1960 1950 1960 1950 1950 1950 1960  Alabama Florida Georgia Louisiana Mississippi —' Tennessee "k!  9.5 8.1 10.7 10.3 1.6 6.3  29.5 55.1 53.8 19.1 7.0 30.3  20.4 17.4 23.0 22.2 3.4 13.5  15.1 28.3 27.6 9.8 3.6 15.6  74.0 97.2 82.4 58.1 15.3 63.5  148.2 289.6 191.1 139.8 42.9 123.2  18.9 24.9 21.1 14.9 3.9 16.3  15.9 31.0 20.4 15.0 4.5 13.2  1135.0 1645.3 1357.0 1176.7 276.6 1063.5  1832.4 3812.5 2262.8 1838.4 569.1 1765.0  Sixth District  46.5  194.8  100.0  100.0  390.5  934.8  100.0  100.0  6654.1  12080.2  1/  17.0 24.7 20.4 17.7 4.2 16.0  15.2 31.6 18.7 15.2 4.7 14.6  100.0  100.0  Includes District portions only   https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis  00  19  TABLE XII  AVERAGE OPERATING RATIOS OF MEMBER BANKS IN THE SIXTH FEDERAL RESERVE DISTRICT IN 1950 and 1960 All District Member Banks 1960 1950  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  SOURCE AND DISPOSITION OF EARNINGS Percentage of total earnings: Interest on U. S. Govt, securities Interest and dividends on other securities Earnings on loans Service charges on deposit accounts Trust department earnings A' Other current earnings Total earnings Salaries and wages Interest on time deposits U Other current expenses Total expenses Net current earnings before income taxes Net losses (or recoveries and profits +) — Net increase (or net decrease +) in valuation reserves Taxes on net income 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 dJ Return on loans: Earnings on loans Net losses (or net recoveries +) on loans U   https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis  16.9 14.8 10.6 3.1  16.7 14.5 10.6 3.2  4.55 1.36 .86  3.05 n.a. dJ .75  21.9 6.0 57.5 6.9 n.a. SJ 7.7 100.0 30.7 n.a. 5/ 30.8 61.5 38.5 - 4.4  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  JZ  2.5 7.5 19.2  n.a.* 9.0 25.1  3.39 3.09  1.7 2.7 n.a .5/  -  6.0 .2  +  .21  6.91 .22  20  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 Governments securities and cash assets Total deposits Time deposits to total deposits A/ Interest on time deposits to time deposits  T7 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 5J Not available   https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis  1950  1960  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  7.3  8.4  20.8 8.0 23.7 1.0  16.8 9.3 33.0 2.63  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.