Table 107. ASSETS AND LIABILITIES OF OPERATING INSURED BANKS, DECEMBER 30, 1950, JUNE 30, 1950, AND DECEMBER 31, 1949-Continued
(Amounts in thousands of dollars)
1 Includes stock savings banks and nondeposit trust companies. United States savings bonds, Treasury bonds (investment series A-1965), and depositary bonds.
Includes obligations of United States Government corporations and agencies, not guaranteed by the United States Government. Reserves for losses on loans authorized by the Bureau of Internal Revenue for income tax purposes and other valuation reserves. Back figures: See the Annual Reports for 1949, pp. 146-149, and for 1948, pp. 94-97.
EXAMINERS' EVALUATION OF INSURED COMMERCIAL BANKS
Table 108. Examiners' appraisal of assets, liabilities, and capital of insured commercial banks examined in 1941-1950
Table 109. Examiners' appraisal of assets, liabilities, and capital of insured commercial banks examined in 1950
Banks grouped according to amount of deposits
Table 110. Examiners' appraisal of assets, liabilities, and capital of insured commercial banks examined in 1950
Banks grouped by Federal Deposit Insurance Corporation district and State
The tables in this section present a summary of the evaluation of bank assets and liabilities made by examiners of the Federal supervisory agencies. Since bank examinations are made at various dates during the year, these tables differ from those in the previous sections, which are based on reports submitted by the banks for specified dates. These tables have been prepared from reports of examination available during the year and do not cover precisely the banks examined in that year. The figures for 1950 include 13,335 insured commercial banks operating at the close of the year and 39 banks which ceased operations or were taken over by others during the year. Figures for 108 insured banks operating at the close of the year were not included in the tabulations: 6 because they were not engaged in deposit banking, and 102 because reports of examination were, for various reasons, not available for tabulation. For 469 banks the figures are derived from reports of examination made in the last six months of 1949.
Book value of assets is the net value, after deduction of valuation and premium reserves, at which the assets are carried on the books of the banks at the time of examination.
Assets not on the books represent the determinable sound value of assets which are not included in the bank's statement of assets or are carried at nominal values.
Examiners' deductions from total assets represent the difference between the appraised value and book value of assets shown on the books.
Examiners' deductions (net) from total assets in Table 110 is
the difference between examiners' deductions and the determinable sound values of assets not shown on the books.
Appraised value of total assets represents the value of all assets as determined by examiners and is segregated into two groups: (1) not criticized, which represents the appraised value of assets regarded as suitable for bank investment; and (2) substandard, which represents the appraised value of assets believed by the examiners to involve a sub- stantial degree of risk, or to be otherwise undesirable for bank invest- ment. For a description of the procedure followed in examiners' evalua- tion of assets, see the following Annual Reports of the Corporation; 1938, pages 61-78; and 1949, pages 10-11. Appraised value of other securities and of loans and discounts does not include assets not shown on the books which are included in the appraised value of fixed and mis- cellaneous assets.
Evaluation of liabilities and capital
Adjusted liabilities include all liabilities shown on the books and such others as have been determined by the examiners.
Book value of capital accounts refers to the net worth or equity of the stockholders (including holders of capital notes and debentures) shown on the books at the time of examination.
Adjusted capital accounts equal book value of total capital ac- counts plus the value of assets not shown on the books, less examiners' deductions from total assets, and less liabilities not shown on the books. The term "adjusted capital accounts" corresponds to the term "net sound capital" used in the Annual Reports of the Corporation for the years 1939-1943.
Table 108. EXAMINERS' APPRAISAL OF ASSETS, LIABILITIES, AND CAPITAL OF INSURED COMMERCIAL BANKS EXAMINED IN 1941-1950
(Amounts in thousands of dollars)
U. S. Government obligationsbook value.
71,697,320 80,449,956 19,851 174,037
71,543,134 80,324,304 101,950,940
26,799,729 50,067,210 65,089,147 26,807,855 50,073,639 65,096,303
25,759,640 6,682,798 6,055,350 5,805,695 6,215,580 6,651,951 6,034,558 617,393
6,040,897 5,800,937 6,213,954
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