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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.