1939 Annual Report
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1939 Annual Report

Filetype[PDF-6.47 MB]


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  • Description:
    CHART

    Organization chart of the Federal Deposit Insurance Corporation (Pg. 5)

    LIST OF TABLES

    1. Protection afforded by the Corporation in banks in financial difficulties, 1934-1939 (Pg. 16)

    2. Disbursements of the Corporation in connection with banks in financial difficulties, 1934-1939 (Pg. 17)

    3. Status as of December 31, 1939, of deposits of insured banks placed in receivership (Pg. 17)

    4. Percent of deposits protected in closed insured banks and insured in operating insured banks: banks grouped by amount of deposits (Pg. 20)

    5. Distribution of insured banks closed because of financial difficulties according to percent of repayments to the Corporation as of December 31, 1939 (Pg. 21)

    6. Number of insured banks on December 31, 1939, and January 1, 1934 (Pg. 22)

    7. Banks cited for engaging in unsafe or unsound practices and violations of law or regulations, 1936-1939 (Pg. 26)

    8. Unsafe and unsound banking practices and violations of law for which 19 banks were cited by the Corporation during 1939 (Pg. 27)

    9. Officers and employees of the Corporation, December 31, 1939 (Pg. 33)

    10. Income and expenses of the Corporation since beginning operations (Pg. 35)

    11. Income and expenses of the Federal Deposit Insurance Corporation, calendar year 1939. (Pg. 36)

    12. Auditors’ report. (Pg. 37-39)

    13. Comparative balance sheet of the Federal Deposit Insurance Corporation, December 31, 1939, and December 31, 1938 (Pg. 40)

    PART TWO: DEPOSIT INSURANCE AND BANKING DEVELOPMENTS

    14. Number of commercial banking offices in the United States and possessions, December 31, 1939, and January 1, 1934 (Pg. 43)

    15. Number of commercial banks in the United States and possessions, 1939 and 1934: grouped by amount of deposits (Pg. 44)

    16. Assets and liabilities of operating insured commercial banks, December 30, 1939, and June 30, 1934 (Pg. 45)

    17. Appraised value of assets per $100 of book value, examination in 1939: insured commercial banks (Pg. 47)

    18. Number and deposits of banks grouped by fixed and substandard assets ratio, examination in 1939: insured commercial banks (Pg. 47)

    19. Substandard asset and net sound capital ratios, examination in 1939: insured commercial banks grouped by amount of deposits (Pg. 48)

    20. Examiners’ analysis of assets, examinations 1933-1939: insured commercial banks not members of the Federal Reserve System (Pg. 49)

    21. Proportion of assets not criticized by examiners, examinations 1934-1939: insured commercial banks not members of the Federal Reserve System (Pg. 49)

    22. Number and deposits of banks grouped by net sound capital ratio, examination in 1939: insured commercial banks (Pg. 50)

    23. Percentage distribution of banks according to ratio of net sound capital to deposits, examinations 1933-1939: insured commercial banks not members of the Federal Reserve System (Pg. 51)

    24. Earnings, expenses, and dividends, 1934-1939: insured commercial banks (Pg. 52)

    25. Interest received on loans and on securities and interest paid on time and savings deposits, 1934-1939: insured commercial banks (Pg. 53)

    26. Rates of net earnings, net profits, and dividends, 1934-1939: insured commercial banks (Pg. 55)

    27. Percentage distribution of banks according to rate of net earnings and of net profits on total capital accounts, 1939 and 1938: insured commercial banks (Pg. 57)

    PART FIVE: STATISTICS OF BANKS AND DEPOSIT INSURANCE

    101. Number and classification of operating banking offices, December 31, 1935-1939 (Pg. 80-81)

    102. Analysis of admissions to and terminations of insurance in each class of bank, 1934-1939 (Pg. 82-87)

    103. Analysis of changes in number and classification of operating banking offices in the United States and possessions during 1939 (Pg. 88-89)

    104. Number of operating banking offices, December 31, 1939 Grouped according to insurance status and class of bank and by type of office in each State and possession (Pg. 90-97)

    105. Number of operating banking offices, June 30, 1939 Grouped according to insurance status and class of bank and by type of office and amount of deposits (Pg. 98-99)

    106. Number of operating banks, June 30, 1939 Grouped according to insurance status and class of bank and by type of bank and amount of deposits (Pg. 100-101)

    107. Number of operating banks, June 30, 1939 Grouped according to insurance status and class of bank in each State and in the possessions (Pg. 102-103)

    108. Number of operating commercial banks, June 30, 1939 Grouped according to amount of deposits and by insurance status in each State and in the possessions (Pg. 104-107)

    109. Number of operating mutual savings banks, June 30, 1939 Grouped according to amount of deposits and by insurance status in each State (Pg. 108-109)

    110. Number of commercial banks operating branches and number of branches, June 30, 1939 Banks operating branches grouped according to character of branch system and branches grouped according to location of branch and by population of center in which located and State (Pg. 110-111)

    111. Deposits of operating banking offices, June 30, 1939 Offices grouped according to insurance status and class of bank and by type of office and amount of deposits (Pg. 112-113)

    112. Deposits of operating banks, June 30, 1939 Banks grouped according to insurance status and class of bank and by type of bank and amount of deposits (Pg. 114-115)

    113. Deposits of operating banks, June 30, 1939 Banks grouped according to insurance status and class of bank in each State and in the possessions (Pg. 116-117)

    114. Deposits of operating commercial banks, June 30, 1939 Banks grouped according to amount of deposits and by insurance status in each State and in the possessions (Pg. 118-121)

    115. Deposits of operating mutual savings banks, June 30, 1939 Banks grouped according to amount of deposits and by insurance status in each State (Pg. 122-123)

    116. Summary of assets and liabilities of operating banks in the United States and possessions, 1935-1939 Banks grouped by insurance status and type of bank (Pg. 124-127)

    117. Assets and liabilities of operating insured commercial banks, call dates 1935-1939 (Pg. 128-131)

    118. Classes of securities held by operating insured commercial banks, call dates 1934-1939 (Pg. 132-133)

    119. Assets and liabilities of operating insured commercial banks not members of the Federal Reserve System, call dates 1935-1939 (Pg. 134-137)

    120. Assets and liabilities of operating insured commercial banks not members of the Federal Reserve System, December 30, 1939 Banks grouped according to amount of deposits (Pg. 138-139)

    121. Averages per bank of assets and liabilities of operating insured commercial banks not members of the Federal Reserve System, December 30, 1939 Banks grouped according to amount of deposits (Pg. 140-141)

    122. Percentage distribution of assets and liabilities of operating insured commercial banks not members of the Federal Reserve System, December 30, 1939 Banks grouped according to amount of deposits (Pg. 142-143)

    123. Number of insured banks with Reconstruction Finance Corporation capital investment, December 31, 1934-1939 Banks grouped according to Federal Reserve membership and by type of bank and State (Pg. 144-145)

    124. Capital investment of the Reconstruction Finance Corporation in banks members of the Federal Reserve System, by State, December 31, 1934-1939. (Pg. 146-147)

    125. Capital investment of the Reconstruction Finance Corporation in operating insured banks not members of the Federal Reserve System, 1934-1939, and changes during 1939 Banks grouped by type and State (Pg. 148-149)

    126. Examiners' analysis of capital and liabilities of insured commercial banks examined in 1939 Banks grouped by net sound capital ratio, fixed and substandard assets ratio, rate of average net earnings, and amount of deposits (Pg. 150-151)

    127. Net sound capital ratios of insured commercial banks examined in 1939 Banks grouped by net sound capital ratio, fixed and substandard assets ratio, rate of average net earnings, and amount of deposits (Pg. 152-153)

    128. Examiners' analysis of capital and liabilities of insured commercial banks examined in 1939 Banks grouped by FDIC district and State (Pg. 154-155)

    129. Net sound capital ratios of insured commercial banks examined in 1939 Banks grouped by FDIC district and State (Pg. 156-157)

    130. Examiners’ classification of assets of insured commercial banks examined in 1939 Banks grouped by net sound capital ratio, fixed and substandard assets ratio, rate of average net earnings, and amount of deposits (Pg. 158-161)

    131. Asset ratios of insured commercial banks examined in 1939 Banks grouped by net sound capital ratio, fixed and substandard assets ratio, rate of average net earnings, and amount of deposits (Pg. 162-165)

    132. Examiners’ classification of assets of insured commercial banks examined in 1939 Banks grouped by FDIC district and State (Pg. 166-169)

    133. Asset ratios of insured commercial banks examined in 1939 Banks grouped by F D IC district and State (Pg. 170-173)

    134. Distribution of insured commercial banks examined in 1939 according to net sound capital ratio Banks grouped by fixed and substandard assets ratio, rate of average net earnings, and amount of deposits (Pg. 174)

    135. Distribution of deposits of insured commercial banks examined in 1939 according to net sound capital ratio Banks grouped by fixed and substandard assets ratio, rate of average net earnings, and amount of deposits (Pg. 175)

    136. Net sound capital ratios of insured commercial banks not members of the Federal Reserve System, examinations 1933-1939 Banks grouped according to amount of deposits (Pg. 176)

    137. Total asset ratios of insured commercial banks not members of the Federal Reserve System, examinations 1933-1939 Banks grouped according to amount of deposits (Pg. 177)

    138. Loan ratios of insured commercial banks not members of the Federal Reserve System, examinations 1934-1939 Banks grouped according to amount of deposits (Pg. 178)

    139. Asset ratios of insured commercial banks not members of the Federal Reserve System examined in 1939 Banks grouped according to amount of deposits (Pg. 179)

    140. Earnings, expenses, and dividends of insured commercial banks, 1935-1939 (Pg. 180-181)

    141. Earnings, expenses, and dividends of insured commercial banks, 1939 By class of bank (Pg. 182-183)

    142. Distribution of insured commercial banks according to rate of net earnings, 1939 Banks grouped by amount of deposits, population of center in which located, and number of commercial banking offices in center in which located (Pg. 184)

    143. Distribution of insured commercial banks according to rate of net profits, 1939 Banks grouped by amount of deposits, population of center in which located, and number of commercial banking offices in center in which located (Pg. 185)

    144. Distribution of insured commercial banks according to rate of net earnings and by rate of net profits, 1939 (Pg. 186)

    145. Distribution of insured commercial banks according to rate of net earnings and by rate of income on loans and ratio of loans to total assets, 1939 (Pg. 187)

    146. Distribution of insured commercial banks according to rate of interest paid on time and savings deposits, 1939 Banks grouped by rate of net earnings, rate of income on loans, and ratio of loans to total assets (Pg. 188)

    147. Distribution of insured commercial banks according to rate of interest paid on time and savings deposits, 1939 Banks grouped by ratio of time and savings deposits to total deposits, amount of deposits, and population of center in which located (Pg. 189)

    148. Earnings, expenses, and disposition of profits of insured commercial banks not members of the Federal Reserve System, 1935-1939 (Pg. 190-191)

    149. Earnings, expenses, and disposition of profits of insured commercial banks not members of the Federal Reserve System, 1939 Banks grouped according to amount of deposits (Pg. 192-193)

    150. Averages per bank of earnings, expenses, and disposition of profits of insured commercial banks not members of the Federal Reserve System, 1939 Banks grouped according to amount of deposits (Pg. 194-195)

    151. Ratios of earnings, expenses, and disposition of profits of insured commercial banks not members of the Federal Reserve System, 1939 Banks grouped according to amount of deposits (Pg. 196-197)

    152. Ratios of earnings, expenses, and disposition of profits of insured commercial banks not members of the Federal Reserve System, 1939 Banks grouped according to population of center in which located (Pg. 198-199)

    153. Ratios of earnings, expenses, and disposition of profits of insured commercial banks not members of the Federal Reserve System, 1939 Banks grouped according to rate of net earnings (Pg. 200-201)

    154. Ratios of earnings, expenses, and disposition of profits of insured commercial banks not members of the Federal Reserve System, 1939 Banks grouped according to rate of interest paid on time and savings deposits (Pg. 202-203)

    155. Earnings, expenses, and disposition of profits of insured mutual savings banks, 1935-1939 (Pg. 204-205)

    156. Number and deposits of banks which suspended operations, 1934-1939 Grouped according to class of bank and by year, amount of deposits, and State (Pg. 206-207)

    157. Number and deposits of and disbursements to insured banks merged with the financial aid of the Federal Deposit Insurance Corporation, 1935-1939 Grouped according to class of bank and by year, amount of deposits, and State (Pg. 208-209)

    158. Number and deposits of insured banks placed in receivership or merged with the financial aid of the Federal Deposit Insurance Corporation, 1934-1939 Grouped according to class of bank and by year, amount of deposits, and State (Pg. 210-211)

    159. Number and deposits of banks which suspended operations, 1939 Grouped according to class of bank and by amount of deposits and State (Pg. 212)

    160. Number and deposits of and disbursements to insured banks merged with the financial aid of the Federal Deposit Insurance Corporation, 1939 Grouped according to class of bank and by amount of deposits and State (Pg. 213)

    161. Number and deposits of insured banks placed in receivership or merged with the financial aid of the Federal Deposit Insurance Corporation, 1939 Grouped according to class of bank and by amount of deposits and State (Pg. 214-215)

    162. Accounts and deposits of and disbursements to insured banks merged with the financial aid of the Federal Deposit Insurance Corporation, 1935-1939 (Pg. 216-217)

    163. Assets purchased by the Federal Deposit Insurance Corporation to facilitate completion of liquidation of insured banks in receivership, 1939 As shown by books of FDIC, December 31, 1939 (Pg. 218)

    164. List of insured banks placed in receivership, 1939 (Pg. 219)

    165. Assets of insured banks placed in receivership, 1934-1939 As shown by books of bank at date of suspension (Pg. 220-221)

    166. Liabilities of insured banks placed in receivership, 1934-1939 A s shown by books of bank at date of suspension (Pg. 222-223)

    167. Deposits of insured banks placed in receivership, 1934-1939 A s shown by books of FDIC, December 31, 1939 (Pg. 224-225)

    168. Payments to depositors of insured banks placed in receivership, 1934-1939 As shown by books of FDIC, December 31, 1939 (Pg. 226-227)

    169. Actions by the Federal Deposit Insurance Corporation upon applications from banks not members of the Federal Reserve System for admission to insurance, approval of establishment of branches, and approval of change of location of banking offices, August 23, 1935, to December 31, 1939 (Pg. 228-229)

    170. Actions by the Federal Deposit Insurance Corporation on applications regarding capital and other financial adjustments, August 23, 1935, to December 31, 1939 (Pg. 230-231)

  • Content Notes:
    Introduction and summary

    PART ONE: OPERATIONS AND POLICIES OF THE CORPORATION

    Principles and policies

    Deposit insurance

    Insurance coverage

    Adequate financial resources

    Development of supervisory standards and procedures

    Adequate bank capital

    Quality of assets

    The role of bank supervision

    Operating results of deposit insurance

    Insured banks suspended or merged

    Payment of deposits in banks placed in receivership

    Loans to facilitate mergers

    Protection of deposits in operating and closed banks

    Repayments to the Corporation

    Recoveries from banks in receivership

    Receivership activities of the Corporation

    Recoveries on loans and assets purchased

    Supervisory activities of the Corporation

    Admissions to insurance

    Terminations of insurance

    Bank examinations

    Unsafe and unsound banking practices

    Capital adjustments of banks

    Establishment of branches and relocation of banking offices

    Approval of assumption or release of deposits

    Regulations and rulings

    Reports from banks

    Legislation during 1939 affecting deposit insurance

    Federal legislation

    State legislation directly affecting the operations of the Corporation

    State legislation relating to bank supervision

    Operating statement of the Corporation

    Organization and staff

    Extension of civil service to employees of the Corporation

    Competitive examination for assistant bank examiners

    Income and expenses

    Claims held by Corporation against suspended and merged banks

    Audit

    Assets and liabilities

    PART TWO: DEPOSIT INSURANCE AND BANKING DEVELOPMENTS

    Banking Developments 1934-1939

    Commercial Banking Offices

    Banking offices in operation

    Distribution of banks by size

    Assets and Liabilities of Insured Commercial Banks

    Changes during six years 1934-193

    Changes during 1939

    Examiners’ appraisal of condition of insured commercial banks

    Analysis of assets

    Analysis of capital accounts

    Earnings of insured commercial banks

    Current operating earnings

    Income on loans

    Current operating expenses

    Interest on time and savings deposits

    Net current operating earnings

    Net profits

    Insured mutual savings banks

    PART THREE: SPECIAL REPORTS

    Note

    PART FOUR: LEGISLATION AND REGULATIONS

    Deposit insurance legislation

    Repeal of provision requiring certain insured banks to become members of the Federal Reserve System

    Congressional study of national monetary and banking policy

    Regulations of the Corporation

    Part 305— Recognition of deposit ownership not on bank records

    Part 307— Insurance of trust funds

    PART FIVE: STATISTICS OF BANKS AND DEPOSIT INSURANCE

    Explanatory notes

    Sources of data

    Classification of banks and banking offices

    Deposits of banks and banking offices

    Assets and liabilities of operating banks

    Examiners’ analysis of insured banks

    Earnings, expenses, and disposition of profits of insured banks

    Suspensions, receiverships, and mergers

    Number of banking offices

    Deposits of banking offices

    Capital investment of the Reconstruction Finance Corporation

    Examiners’ analysis of insured commercial banks

    Examiners’ analysis of insured commercial banks not members of the Federal Reserve System

    Earnings of insured banks not members of the Federal Reserve System

    Actions by the Corporation on applications from banks

  • Pages in Document:
    260
  • Format:
    PDF
  • Release Date:
    12/31/1939
  • Fdic Employee Involved:
    Leo T. Crowley;Phillips Lee Goldsborough;Preston Delano;
  • Source:
    FDIC Website/Fraser
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