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28583_1925-1929

28583_1925-1929

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884

FEDERAL RESERVE BULLETIN DECEMBER, 1927
TABLE 3—RATIOS—ALL MEMBER BANKS, BY FEDERAL RESERVE DISTRICTS, YEARS ENDING JUNE, 1926 AND 1927
Amount per $100 of earning assets:
Interest earned
Other earnings _. „
Gross earnings. _
Interest on deposits
Interest on borrowed money ._
Salaries and wages
Taxes
All other expenses _
Total expenses. _
Net earnings __.
Total losses
Recoveries ______ . _ _ _ __
Net losses
1
_
Net addition to profits
Other ratios:
Earning assets per $1 of capital funds _ _,
Net profits per $100 of capital funds
2
Losses on loans per $100 of loans _
Losses on investments per $100 of invest-
ments _
Amount per $100 of earning assets:
Interest earned
Other earnings
Gross earnings ____ __.
Interest on deposits
Interest on borrowed money ___ __ __ _
Salaries and wages
Taxes
All other expenses
Total expenses...
Net earnings _„__
Total losses
Recoveries
Net losses i _ _ _
Net addition to profits . . .
Other ratios:
Earning assets per $1 of capital funds. __
Net profits per $100 of capital funds
2
___
Losses on loans per $100 of loans
Losses on investments per $100 of in-
vestments
Federal Reserve District
Boston
1927
$5.13
.87
6.00
2.37
.08
1.03
.24
.62
4.34
1.65
.79
.17
.62
1.03
6.62
6.83
.58
.91
1926
$5.06
.80
5.85
2.29
.08
1.01
.25
.61
4.24
1.61
.61
.20
.42
1.19
6.55
7.82
.45
.55
New York
1927
$4.87
1.30
6.17
1.99
.07
1.14
.27
.68
4.16
2.01
.42
.12
.30
1.71
6.46
11.05
.29
.39
1926
$4.94
1.20
6.13
1.98
.07
1.10
.28
.69
4.13
2.00
.64
.26
.38
1.62
6.69
10.87
.50
.53
Philadelphia
1927
$5.40
.84
6.24
2.01
.09
1.09
.31
.62
4.13
2.10
.39
.13
.27
1.84
4.90
9.00
.26
.36
1926
$5.40
.93
6.32
1.98
.11
1.07
.33
.62
4.10
2.22
.47
.19
.28
1.94
4.98
9.67
.40
.39
Cleveland
1927
$5.63
1.04
6.67
2.52
.08
1.21
.37
.67
4.85
1.82
.61
.11
.50
1.32
6.00
7.91
.46
.52
1926
$5.63
.97
6.60
2.47
.09
1.19
.35
.70
4.81
1.79
.53
.13
.40
1.39
5.95
8.25
.46
.41
Richmond
1927
$5.76
.78
6.54
2.12
.16
1.30
.44
.71
4.72
1.81
.66
.10
.56
1.26
5.48
6.88
.61
.30
1926
$5.77
.71
6.48
2.03
.24
1.28
.41
.71
4.65
1.82
.63
.11
.52
1.31
5.53
7.23
.61
.23
Atlanta
1927
$6.13
1.05
7.18
2.03
.24
1.53
.50
.96
5.26
1.92
.97
.18
.80
1.13
6.11
6.88
.96
.28
1926
$6.28
1.21
7.49
2.11
.18
1.43
.48
.99
5.19
2.30
.84
.18
.65
1.64
6.54
10.75
.74
.28
Federal Reserve District
Chicago
1927
$5.28
1.14
6.42
2.12
.08
1.32
.41
.82
4.74
1.68
.53
.13
.40
1.28
6.97
8.95
.43
.29
1926
$5.39
.96
6.34
2.15
.07
1.28
.40
.78
4.67
1.67
.52
.17
.35
1.32
7.16
9.45
.52
.23
St. Louis
1927
$5.64
.89
6.53
2.07
.18
1.33
.49
.79
4.86
1.66
.72
.20
.52
1.15
6.46
7.42
.64
.21
1926
$5.70
.91
6.60
2.05
.19
1.33
.45
.80
4.81
1.79
.69
.22
.48
1.32
6.51
8.57
.72
.23
Minneapolis
1927
$5. 71
.74
6.45
2.38
.05
1.42
.35
.78
4.98
1.47
.98
.22
.75
.72
7.60
5.44
1.17
.28
1926
$5.72
.68
6.41
2.45
.06
1.41
.36
.77
5.03
1.37
.90
.27
.63
.74
7.64
5.64
1.11
.15
Kansas City
1927
$6.19
1.02
7.21
2.11
.07
1.69
.42
1.04
5.33
1.88
1.49
.35
1.13
.75
7.46
5.57
1.57
.39
1926
$6.35
.85
7.20
2.19
.09
1.70
.45
1.05
5.48
1.72
1.36
.31
1.05
.67
7.30
4.92
1.48
.45
Dallas
1927
$6.66
.81
7.46
1.69
.16
1.88
.56
1.04
5.34
2.13
1.35
.32
1.03
1.10
5.10
5.59
1.31
.26
1926
$6.91
.82
7.73
1.69
.16
1.87
.54
1.02
5.28
2.44
1.30
.36
.94
1.50
5.08
7.65
1.30
.18
San Francisco
1927
$5.69
1.07
6.75
2.31
.08
1.53
.29
.90
5.11
1.64
.75
.16
.59
1.05
8.38
8.79
.65
.21
1926
$6.11
.83
6.95
2.42
.09
1.60
.32
.87
5.30
1.64
.76
.22
.55
1.10
8.23
9.04
.64
.35
1 Total losses charged off less recoveries on assets previously charged off.
2 Obtained by dividing net profits by capital funds; equivalent to the product of the two preceding ratios.
NOTE.—These ratios are based upon data taken from the customary abstracts of reports of condition and of earnings, expenses, and dividends.
It should be borne in mind in using them that the statistics employed represent aggregates for banks reporting on the various dates and such ratios
as are included in the tables are therefore ratios of aggregates, in which figures for large banks have a statistical influence somewhat disproportionate
to their number, in comparison with the figures for small banks. No adjustments have been made in the underlying data for changes during a given
year in the number of banks whose reports underlie the statistics, since the figures presented are for sufficiently large groups that the results appear
not to be appreciably affected by these changes.
Digitized for FRASER
http://fraser.stlouisfed.org/
Federal Reserve Bank of St. Louis
December 1927
DECEMBER, 1928
FEDERAL RESERVE BULLETIN 879
Table 3.—RATIOS—ALL MEMBER BANKS, BYFEDERAL RESERVE DISTRICTS, YEARS ENDING JUNE 30, 1927 AND 1928
Amount per $100 of earning assets:
Interest earned _ __ _ _.
All other earnings _ _ _ - . _ _ _
Gross earnings _ - - . _ _ _
Interest on deposits...
Interest on borrowed money
Salaries and wages .. _ _
Taxes
All other expenses
Total expenses... __ _
Net earnings
Total losses..
Recoveries . _ _ _.
Net losses _ _
Net addition to profits
Other ratios:
Earning assets per $1 of capital funds
Net profits per $100 of capital funds
Losses on loans per $100 of loan
Losses on investments per $100 of invest-
ments _
Amount per $100 of earning assets:
Interest earned
All other earnings
Gross earnings
Interest on deposits. .
Interest on borrowed money. .
Salaries and wages . . . _
Taxes
All other expenses._ _ __
Total expenses
Net earnings
Total losses _ _
Recoveries
Net losses
Net addition to profits
Other ratios:
Earning assets per $1 of capital funds.._
Net profits per $100 of capital funds
Losses on loans per $100 of loans .
Losses on investments per $100 of invest-
ments
Federal Reserve District
Boston
1928
$5.09
1.02
6.10
2.41
.08
1.02
.24
.63
4.38
1.73
.72
.21
.51
1.22
6.55
7.96
.61
.64
1927
$5.13
.87
6.00
2.37
.08
1.03
.24
.62
4.34
1.65
.79
.62
1.03
6.62
6.83
.58
.91
Chicago
1928
$5.17
1.23
6.40
2.14
.08
1.30
.43
.83
4.78
1.62
.52
.12
.40
1.22
6.91
8.41
.45
.20
1927
$5.28
1.14
6.42
2.12
.08
1.32
.41
.82
4.74
1.68
.53
.13
.40
1.28
6.97
8.95
.43
.29
New
1928
$4.84
1.33
6.17
2.00
.08
1.14
.22
.66
4.10
2.06
.46
.11.
.35
1.71
6.33
10.84
.32
.53
York
1927
$4.87
1.30
6.17
1.99
.07
1.14
27
.'68
4.16
2.01
.42
. 12
.30
1.71
6.46
11.05
.29
.39
St. Louis
1928
$5.54
.89
6.43
2.05
.18
1.32
.40
.77
4.73
1.70
.61
.19
.42
1.28
6.55
8.39
.58
.22
1927
$5.64
.89
6.53
2.07
.18
1.33
.49
.79
4.86
1.66
'.20
.52
1.15
6.46
7.42
.64
.21
Philadelphia
1928
$5.26
.96
6.23
2.03
.09
1.08
.34
.62
4.17
2.06
.47
.15
.32
1.74
4.77
8.27
.44
.28
1927
$5.40
.84
6.24
2.01
.09
.1.09
31
4.13
2.10
.39
. 13
.27
1.84
4.90
9.D0
.26
.38
Cleveland
1928
$5.54
1.04
6.58
2.56
.07
1.18
.40
.64
4.85
1.73
.51
.10
.41
1.32
6.07
8.02
.40
.34
1927
$5.63
1.04
6.67
2.52
.08
1.21
.37
.67
4.85
1.82
.61
.11
.50
1.32
6.00
7.91
.46
.52
Federal Reserve District
Minneapolis
1928
$5.67
.78
6.45
2.37
.04
1.40
.33
.78
4.92
1.53
.93
.29
.65
.89
7.73
6.87
1.09
.23
1927
$5.71
.74
6.45
2.38
.05
1.42
.35
.78
4.98
1.47
.98
.22
.75
.72
7.60
5.44
1.17
.28
Kansas City
1928
$6.15
.94
7.10
2.10
.07
1.69
.42
1.03
5.31
1.79
1.14
.33
.82
.97
7.54
7.33
1.12
.33
1927
$6.19
1.02
7.21
2.11
.07
1.69
.42
1.04
5.33
1.88
1.49
.35
1.13
.75
7.46
5.57
1.57
.39
Richmond
1928
$5.68
.80
6.48
2.18
.13
1.26
.41
.72
4.70
1.78
.73
.15
.58
1.20
5.59
6.71
.61
.57
1927
$5,76
.78
6.54
2.12
.16
1.30
.44
.71
4.72
1.81
.66
.10
.56
1.26
5.48
6.88
.61
.30
Dallas
1928
$6.47
.82
7.29
1.70
.10
1.78
.52
.98
5.08
2.22
1.38
.35
1.02
1.20
5.44
6.52
1.28
.17
1927
$6.66
.81
7.46
1.69
.16
1.88
.56
1.04
5.34
2.13
1.35
.32
1.03
1.10
5.10
5.59
1.31
.26
Atlanta
1928
$6.07
1.10
7.17
2.15
.19
1.53
.49
.97
5.32
1.86
.95
.21
.74
1.11
5.94
6.61
.89
.36
1927
$6.13
1.05
7.18
2.03
.24
1.53
.50
.96
5.26
1.92
.97
.18
.80
1.13
6.11
6.88
.96
.28
San Francisco
1928
$5.72
1.10
6.82
2.36
.07
1.58
.26
.98
5.24
1.58
.83
.17
.66
.91
8.24
7.53
.60
.40
1927
$5.69
1.07
6.75
2.31
.08
1.53
.29
.90
5.11
1.64
:ll
.59
1.05
8.38
8.79
.65
.21
Digitized for FRASER
http://fraser.stlouisfed.org/
Federal Reserve Bank of St. Louis
December 1928

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