Banks with assets of Table 118. RATIOS OF INCOME OF INSURED COMMERCIAL BANKS OPERATING THROUGHOUT 1976 IN THE UNITED STATES (STATES AND OTHER AREAS)' BANKS GROUPED ACCORDING TO AMOUNT OF ASSETS Income item Less than $5 million $9.9 million $24.9 million $49.9 million to to $5.0 million $10.0 million $25.0 million $50.0 million $100.0 million $300.0 million $500.0 million $1.0 billion $5.0 billion to to to $99.9 million $299.9 million $499.9 million $999.9 million $4.9 billion to to to or more Banks with assets of Table 118. RATIOS OF INCOME OF INSURED COMMERCIAL BANKS OPERATING THROUGHOUT 1976 IN THE UNITED STATES (STATES AND OTHER AREAS)'-CONTINUED BANKS GROUPED ACCORDING TO AMOUNT OF ASSETS Income item Less $5.0 million $10.0 million $25.0 million $50.0 million $100.0 million $300.0 million $500.0 million $1.0 billion $5.0 billion to to to to to to to to $5 million $9.9 million $24.9 million $49.9 million $99.9 million $299.9 million $499.9 million $999.9 million $4.9 billion 1This group of banks is the same as the group shown in table 116 under heading "Operating throughout the year." 2 Income from securities held in trading accounts is included in "Other operating income." " " 3 Ratios are based on assets and liabilities reported at end of year. 4 Less than 0.005. 1972 1973 1974 1975 1976 Table 119. INCOME OF INSURED MUTUAL SAVINGS BANKS IN THE UNITED STATES (STATES AND OTHER AREAS), 1971-1976 (Amounts in thousands of dollars) 5,295,449 6,064,895 6,483,654 7,179,294 8,312,692 3,275,859 3,690,871 4,171,520 4,503,214 4,817,741 5,225,101 Interest and fees on real estate mortgage loans, gross. 3,344,057 3,760,908 4,240,926 4,570,902 4,883,664 5,290,560 Less: Mortgage servicing fees Interest and fees on other loans. 68,198 70,037 69,406 67,688 65,923 65,459 163,675 178,126 283,506 337,844 283,416 334,625 Interest on U.S. Government and agency securities. 268,370 352,297 414,359 403,940 567,577 869,038 Interest on corporate bonds 546,033 726,665 730,132 743,944 929,613 1,166,755 Occupancy expense of bank premises (including taxes, depreciation, maintenance, rentals), net 1972 1973 1974 1975 1976 Table 119. INCOME OF INSURED MUTUAL SAVINGS BANKS IN THE UNITED STATES (STATES AND OTHER AREAS), 1971-1976-CONTINUED (Amounts in thousands of dollars) 73,661,663 82,995,606 90,850,840 94,426,708 101,714,468 1,156,181 1,329,972 1,676,216 1,825,066 2,067,540 4,437,666 5,740,097 6,299,082 5,950,081 7,823,837 114,044,800 11,932,355 15,033,388 16,238,983 16,410,896 19,035,575 23,065,574 Table 120. RATIOS OF INCOME OF INSURED MUTUAL SAVINGS BANKS IN THE UNITED STATES (STATES AND OTHER AREAS), 1971-1976 Interest on borrowed money .17 .13 .48 1.02 .77 .55 Occupancy expense of bank premises (including taxes, depreciation, maintenance, rentals)-net. 1.57 1.56 1.58 1.76 1.89 1.90 Furniture and equipment (including recurring depreciation) .63 .61 .61 .68 .73 .75 Actual net loan losses (charge-offs less recoveries) .07 .08 .15 .15 .30 .95 Other operating expenses 3.79 3.99 4.30 4.27 4.62 4.96 |