Description:
CHART
Organization chart of the Federal Deposit Insurance Corporation (Pg. 5)
LIST OF TABLES
PART ONE: OPERATIONS AND POLICIES OF THE CORPORATION
1. Insolvent or hazardous banks paid off by or merged with financial aid from the Corporation, 1934-1938 (Pg. 10)
2. Percent of deposits protected in closed insured banks and insured in operating insured banks, banks grouped by amount of deposits (Pg. 11)
3. Disbursements of the Corporation in connection with insolvent or hazardous banks, 1934-1938 (Pg. 12)
4. Status as of December 31, 1938, of deposits of insured banks placed in receivership (Pg. 13)
5. Repayments as of December 31, 1938, to the Corporation on disbursements in insolvent or hazardous banks (Pg. 15)
6. Disposition during 1938 of cases of insured banks cited by the Corporation to supervisory authorities for unsafe or unsound banking practices or violations of law or regulations (Pg. 18)
7. Unsafe and unsound banking practices and violations of law or regulations for which 13 banks were cited by the Corporation to supervisory authorities during 1938 (Pg. 19)
8. Applications for admission to insurance, for approval of establishment of branches, and for approval of change of location acted upon by the Corporation during 1938 (Pg. 21)
9. Officers and employees of the Corporation, December 31, 1938 (Pg. 32)
10. Income and expenses of the Corporation since beginning operation (Pg. 33)
11. Income and expenses of the Federal Deposit Insurance Corporation, calendar year 1938 (Pg. 34)
12. Auditors’ report (Pg. 35-37)
13. Comparative balance sheet of the Federal Deposit Insurance Corporation, December 31, 1938, and December 31, 1937 (Pg. 38)
PART TWO: DEPOSIT INSURANCE AND BANKING DEVELOPMENTS
14. Number and type of commercial banking offices in the United States and possessions, December 31, 1938 and December 31, 1937 (Pg. 41)
15. Analysis of changes in number of commercial banking offices in the United States and possessions during 1938, excluding banks succeeding other banks (Pg. 42)
16. Number of insured and noninsured commercial banking officers in the United States and possessions, December 31, 1938, and December 31, 1937 (Pg. 42)
17. Changes during 1938 in deposits of insured and noninsured commercial banks (Pg. 43)
18. Changes during 1938 in assets and liabilities of insured commercial banks (Pg. 44)
19. Percentage change during 1938 in principal classes of assets, insured commercial banks not members of the Federal Reserve System operating throughout the year grouped according to ratio of total capital accounts to total assets (Pg. 45)
20. Adjusted capital account as percentage of adjusted value of assets and of total capital accounts of 13,350 insured commercial banks examined in 1938, original examination procedures, banks grouped by amount of deposits (Pg. 46)
21. Distribution of number and deposits of 13,350 insured commercial banks examined in 1938, according to percentage of adjusted capital account to adjusted value of assets, original examination procedures (Pg. 47)
22. Distribution of number and deposits of 13,350 insured commercial banks examined in 1938, according to fixed and sub standard asset ratio, original examination procedures (Pg. 48)
23. Adjusted value of assets as percentage of book value, examination in 1938, original examination procedure, insured commercial banks not members of the Federal Reserve System (Pg. 48)
24. Examiners’ analysis of assets, examinations 1933-1938, insured commercial banks not members of the Federal Reserve System (Pg. 49)
25. Proportion of assets not criticized by examiners, examinations 1934-1938, insured commercial banks not members of the Federal Reserve System (Pg. 49)
26. Percentage distribution of number of banks according to ratio of adjusted capital account to deposits, examinations 1933- 1938, insured commercial banks not members of the Federal Reserve System (Pg. 50)
27. Earnings, expenses, and disposition of profits related to total assets and to total capital accounts, 1938 and 1937, insured commercial banks (Pg. 51)
28. Earnings, expenses, and disposition of profits of insured commercial banks, 1934-1938 (Pg. 52)
29. Number and percentage distribution of insured commercial banks according to rates of net earnings and of net profits on total capital accounts, 1938, banks operating throughout the year (Pg. 53)
30. Earnings, expenses, and disposition of profits related to total assets and to total capital accounts, 1938, insured commercial banks not members of the Federal Reserve System operating throughout the year (Pg. 54)
31. Percentage distribution of number of banks according to rate of net earnings, 1938, 1937, and 1936, insured commercial banks not members of the Federal Reserve System operating throughout the year (Pg. 55)
32. Average net earnings per $100 of total assets of insured commercial banks not members of the Federal Reserve System, 1934-1938, banks operating throughout the year grouped by amount of deposits (Pg. 56)
33. Interest received on loans and on securities and interest paid on time deposits, 1934-1938, insured commercial banks not members of the Federal Reserve System operating throughout the year (Pg. 57)
PART THREE: SPECIAL REPORTS
34. Book value of securities, 7,094 insured commercial State banks not members of the Federal Reserve System examined in 1938 (Pg. 65)
35. Book, market, and appraised values of securities, 7,094 insured commercial State banks not members of the Federal Reserve System examined in 1938 (Pg. 68)
36. Determination of adjusted capital account, original examination procedure, 7,094 insured commercial State banks not members of the Federal Reserve System examined in 1938 (Pg. 69)
37. Number of banks grouped according to capital ratios computed under original and uniform examination procedures, insured commercial State banks not members of the Federal Reserve System examined in 1938 (Pg. 70)
38. Distribution of number of banks according to capital ratios computed under original and uniform examination procedures, insured commercial State banks not members of the Federal Reserve System examined in 1938 (Pg. 71)
39. Analysis of securities under the uniform examination procedure adopted in 1938, 7,094 insured commercial State banks not members of the Federal Reserve System examined in 1938 (Pg. 76)
40. Analysis of assets under the uniform examination procedure adopted in 1938, 7,094 insured commercial State banks not members of the Federal Reserve System examined in 1938 (Pg. 77)
41. Analysis of capital accounts under the uniform examination procedure adopted in 1938, 7,094 insured commercial State banks not members of the Federal Reserve System examined in 1938 (Pg. 78)
42. Insurance protection with a maximum coverage of $5,000, September 21, 1938, May 13, 1936, and October 1, 1934, insured commercial banks grouped by amount of deposits (Pg. 80)
43. Number of insured commercial banks, September 21, 1938, May 13, 1936, and October 1, 1934, grouped by amount of deposits (Pg. 80)
44. Number of accounts in insured commercial banks, September 21, 1938, May 13, 1936, and October 1, 1934, banks grouped by amount of deposits (Pg. 81)
45. Deposits insured with a maximum coverage of $5,000, September 21, 1938, May 13, 1936, and October 1, 1934, insured commercial banks grouped by amount of deposits (Pg. 81)
46. Number and percentage distribution of insured commercial banks, September 21, 1938, and May 13, 1936, grouped by percent of deposits insured (Pg. 82)
47. Number and average size of accounts in insured commercial banks, September 21,1938, and May 13,1936, grouped by type of deposit (Pg. 83)
48. Deposits in insured commercial banks insured with a maximum coverage of $5,000, September 21, 1938, and May 13, 1936, grouped by type of deposit (Pg. 83)
49. Percentage distribution of accounts and deposits by size of ac count, September 21,1938, and May 13, 1933, banks members of the Federal Reserve System (Pg. 84)
50. Banks with deposits fully protected with varying amounts of maximum coverage, 1934-1938, insured banks placed in receivership grouped by amount of deposits (Pg. 87)
51. Deposits protected with varying amounts of maximum coverage, 1934-1938, insured banks placed in receivership grouped by amount of deposits (Pg. 88)
52. Percent of deposits protected with varying amounts of maximum coverage, 1934-1938, insured banks placed in receivership grouped by amount of deposits (Pg. 88)
53. Depositors protected with varying amounts of maximum coverage, 1934-1938, insured banks placed in receivership grouped by amount of deposits (Pg. 89)
54. Percent of deposits insured in operating insured banks and protected in closed insolvent or hazardous insured banks, banks grouped by amount of deposits (Pg. 89)
55. Accounts fully insured with varying amounts of maximum coverage, September 21, 1938, grouped by type of deposit and in banks grouped by amount of deposits, insured commercial banks (Pg. 92)
56. Deposits insured with varying amounts of maximum coverage, September 21, 1938, grouped by type of deposit and in banks grouped by amount of deposits, insured commercial banks (Pg. 93)
57. Banks, accounts, and deposits insured with varying amounts of maximum coverage, September 21, 1938, insured commercial banks grouped by percent of deposits insured (Pg. 94)
58. Insurance protection with varying amounts of maximum coverage, September 21, 1938, insured commercial banks grouped by class and by State (Pg. 95)
59. Accounts fully insured with varying amounts of maximum coverage, September 21, 1938, insured commercial banks grouped by class and by State (Pg. 96)
60. Deposits insured with varying amounts of maximum coverage, September 21, 1938, insured commercial banks grouped by class and by State (Pg. 97)
61. Accounts fully insured with varying amounts of maximum coverage, September 21, 1938, insured mutual savings banks grouped by amount of deposits and by State (Pg. 98)
62. Deposits insured with varying amounts of maximum coverage, September 21, 1938, insured mutual savings banks grouped by amount of deposits and by State (Pg. 99)
PART FIVE: STATISTICS OF BANKS AND DEPOSIT INSURANCE
101. Number and classification of operating banking offices, December 31, 1935-1938 (Pg. 122-123)
102. Analysis of changes in number and classification of operating banking offices in the United States and possessions during 1938 (Pg. 124-125)
103. Number of operating banking offices, December 31, 1938, insured and noninsured offices grouped by class of bank and type of office in each State and possession (Pg. 126-133)
104. Number of commercial banks operating branches and number of branches, December 31, 1938, grouped according to character of branch system, location of branch, population of center in which located, and by State (Pg. 134-135)
105. Number of operating banking offices, June 30, 1938, insured and noninsured offices grouped by class of bank, type of office, and amount of deposits (Pg. 136-137)
106. Number of operating banks, June 30, 1938, insured and noninsured banks grouped by class of bank, type of bank, and amount of deposits (Pg. 138-139)
107. Number of operating commercial banks, June 30, 1938, insured and noninsured banks grouped by amount of deposits in each State and in the possessions (Pg. 140-143)
108. Number of operating mutual savings banks, June 30, 1938, insured and noninsured banks grouped by amount of deposits in each State (Pg. 144-145)
109. Number of operating banking offices of insured commercial banks, June 30, 1938, grouped by amount of deposits, type of office, and population of center in which located (Pg. 146-147)
110. Number of operating banking offices of insured commercial banks, June 30, 1938, grouped according to number of commercial banking offices in center in which located, type of office, and population of center in which located (Pg. 148-149)
111. Average deposits of operating banks during first six months of 1938, insured and noninsured banks grouped by class of bank, type of bank, and amount of deposits (Pg. 150-151)
112. Average deposits of operating banks during the first six months of 1938, insured and noninsured banks grouped by class of bank in each State and in the possessions (Pg. 152-153)
113. Average deposits of operating commercial banks during the first six months of 1938, insured and noninsured banks grouped by amount of deposits in each State and in the possessions (Pg. 154-157)
114. Average deposits of operating mutual savings banks during the first six months of 1938, insured and noninsured banks grouped by amount of deposits in each State (Pg. 158-159)
115. Summary of assets and liabilities of operating banks, United States and possessions, 1935-1938 (Pg. 160 -163)
116. Assets and liabilities of operating insured commercial banks, call dates 1934-1938 (Pg. 164-167)
117. Securities held by insured commercial banks, call dates 1934- 1938 (Pg. 168-169)
118. Assets and liabilities of operating insured commercial banks not members of the Federal Reserve System, call dates 1934-1938 (Pg. 170-173)
119. Assets and liabilities of operating insured commercial banks not members of the Federal Reserve System, December 31, 1938, banks grouped by amount of deposits (Pg. 174-175)
120. Averages per bank of assets and liabilities of operating insured commercial banks not members of the Federal Reserve System, December 31, 1938, banks grouped by amount of deposits (Pg. 176-177)
121. Percentage distribution of assets and liabilities of operating insured commercial banks not members of the Federal Reserve System, December 31, 1938, banks grouped by amount of deposits (Pg. 178-179)
122. Capital investment of the Reconstruction Finance Corporation in operating insured banks, December 31, 1938, by class of bank in each State and possession (Pg. 180-181)
123. Reconstruction Finance Corporation capital of operating insured commercial banks not members of the Federal Reserve System, 1934-1938, and changes during 1938, in each State and possession (Pg. 182-183)
124. Examiners’ analysis of capital, assets, and liabilities of all operating insured commercial banks examined in 1938 (original examination procedures), banks grouped by amount of deposits and by State (Pg. 184-185)
125. Examiners’ adjusted value ratios of capital and assets of all operating insured commercial banks examined in 1938 (original examination procedures), banks grouped by amount of deposits and by State (Pg. 186-187)
126. Adjusted capital, substandard asset, and net earnings ratios of all operating insured commercial banks examined in 1938 (original examination procedures), number of banks grouped by amount of deposits (Pg. 188)
127. Substandard asset and adjusted capital ratios of all operating insured commercial banks examined in 1938 (original ex amination procedures), number and deposits of banks grouped by substandard asset and adjusted capital ratios (Pg. 189)
128. Capital ratios of operating insured commercial banks not members of the Federal Reserve System, examinations 1933-1938, banks grouped by amount of deposits and by State (Pg. 190-191)
129. Examiners’ analysis of capital, assets, and liabilities of operating insured commercial banks not members of the Federal Reserve System, latest examination in 1938 (original examination procedure), banks grouped by amount of deposits and by State (Pg. 192-193)
130. Examiners’ analysis of capital, assets, and liabilities of operating insured commercial banks not members of the Federal Reserve System, latest examination in 1938 (uniform examination procedure), banks grouped by amount of deposits and by State (Pg. 194-195)
131. Examiners’ analysis of assets of operating insured commercial banks not members of the Federal Reserve System, latest examination in 1938 (uniform examination procedure), banks grouped by amount of deposits and by State (Pg. 196-199)
132. Examiners’ adjusted value as percentage of book value of assets of operating insured commercial banks not members of the Federal Reserve System, latest examination in 1938 (uniform examination procedure), banks grouped by amount of de posits and by State (Pg. 200-203)
133. Summary of examiners’ analysis of loans of operating insured commercial banks not members of the Federal Reserve System, examinations 1934-1938, banks grouped by amount of deposits and by State (Pg. 204-206)
134. Book value of securities held by operating insured commercial banks not members of the Federal Reserve System, latest examination in 1938, banks grouped by amount of deposits (Pg. 206)
135. Par, book, and market values of securities held by 7,094 operating insured commercial banks not members of the Federal Reserve System, latest examination in 1938, by class of security (Pg. 207)
136. Par, book, and market values of domestic corporate bonds held by operating insured commercial banks not members of the Federal Reserve System, latest examination in 1938, banks grouped by amount of deposits and by State (Pg. 208-211)
137. Earnings, expenses, and disposition of profits of operating insured commercial banks, calendar years 1934-1938 (Pg. 212-213)
138. Earnings, expenses, and disposition of profits of operating insured commercial banks, calendar year 1938, by class of bank (Pg. 214-215)
139. Earnings, expenses, and disposition of profits of insured commercial banks not members of the Federal Reserve System, calendar years 1934-1938, banks operating throughout entire year (Pg. 216-217)
140. Earnings, expenses, and disposition of profits of insured commercial banks not members of the Federal Reserve System, calendar year 1938, banks operating throughout entire year grouped by amount of deposits (Pg. 218-219)
141. Averages per bank of earnings, expenses, and disposition of profits of insured commercial banks not members of the Federal Reserve System, calendar year 1938, banks operating throughout entire year grouped by amount of deposits (Pg. 220-221)
142. Ratios of earnings, expenses, and disposition of profits of insured commercial banks not members of the Federal Reserve System, calendar year 1938, banks operating throughout entire year grouped by amount of deposits (Pg. 222-223)
143. Earnings, expenses, and disposition of profits of insured commercial banks not members of the Federal Reserve System, calendar year 1938, banks operating throughout entire year grouped according to population of center in which located (Pg. 224-225)
144. Ratios of earnings, expenses, and disposition of profits of insured commercial banks not members of the Federal Reserve System, calendar year 1938, banks operating throughout entire year grouped according to population of center in which located (Pg. 226-227)
145. Earnings, expenses, and disposition of profits of insured commercial banks not members of the Federal Reserve System, calendar year 1938, banks operating throughout entire year grouped according to rate of net earnings on total assets (Pg. 228-229)
146. Ratios of earnings, expenses, and disposition of profits of insured commercial banks not members of the Federal Reserve System, calendar year 1938, banks operating throughout entire year grouped according to rate of net earnings on total assets (Pg. 230-231)
147. Net current operating earnings of insured commercial banks not members of the Federal Reserve System, calendar year 1938, number of banks operating throughout entire year grouped according to rate of net earnings on total assets, amount of deposits, population of center in which located, and number of commercial banking offices in center in which located (Pg. 232)
148. Net profits before dividends of insured commercial banks not members of the Federal Reserve System, calendar year 1938, number of banks operating throughout entire year grouped according to rate of net profits on total assets, amount of de posits, population of center in which located, and number of commercial banking offices in center in which located (Pg. 233)
149. Net earnings and net profits of insured commercial banks not members of the Federal Reserve System, calendar year 1938, number of banks operating throughout entire year grouped according to rate of net earnings and rate of net profits on total assets (Pg. 234)
150. Rate of income on loans and proportion of loans of insured commercial banks not members of the Federal Reserve System, calendar year 1938, number of banks operating throughout entire year grouped according to rate of net earnings on total assets, rate of income on loans, and percentage of loans to total assets (Pg. 235)
151. Earnings, expenses, and disposition of profits of operating insured mutual savings banks, calendar years 1934-1938 (Pg. 236-237)
152. Number and deposits of banks which suspended operations, 1934-1938, grouped by class of bank, by year, by amount of deposits, and by State (Pg. 238-239)
153. Number and deposits of and disbursements to insured banks merged with the financial aid of the Federal Deposit Insurance Corporation, 1935-1938, grouped by class of bank, by year, by amount of deposits, and by State (Pg. 240-241)
154. Number and deposits of insured banks which received financial aid from the Federal Deposit Insurance Corporation, 1934- 1938, grouped by class of bank, by year, by amount of deposits, and by State (Pg. 242-243)
155. Number and deposits of banks which suspended operations, 1938, grouped by class of bank, by amount of deposits, and by State (Pg. 244)
156. Number and deposits of and disbursements to insured banks merged with the financial aid of the Federal Deposit Insurance Corporation, 1938, grouped by class of bank, by amount of deposits, and by State (Pg. 245)
157. Number and deposits of insured banks which received financial aid from the Federal Deposit Insurance Corporation, 1938, grouped by class of bank, by amount of deposits, and by State (Pg. 246-247)
158. Accounts and deposits of and disbursements to insured banks merged with the financial aid of the Federal Deposit Insurance Corporation, 1935-1938 (Pg. 248-249)
159. Insured banks placed in receivership, 1938 (Pg. 250-251)
160. Assets of insured banks placed in receivership, 1934-1938, as shown by books of bank at date of suspension (Pg. 252252-253)
161. Liabilities of insured banks placed in receivership, 1934-1938, as shown by books of bank at date of suspension (Pg. 254-255)
162. Deposits of insured banks placed in receivership, 1934-1938, as shown by books of FDIC, December 31, 1938 (Pg. 256-257)
163. Payments to depositors of insured banks placed in receivership, 1934-1938, as shown by books of FDIC, December 31,1938 (Pg. 258-259)2-253)
163. Payments to depositors of insured banks placed in receivership, 1934-1938, as shown by books of FDIC, December 31,1938 (Pg. 258-259)
252-253)
163. Payments to depositors of insured banks placed in receivership, 1934-1938, as shown by books of FDIC, December 31,1938 (Pg. 258-25