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Finance and Economics Discussion Series: Data for paper 201419 ^♣

National Bank Examinations and Operations in the Early 1890s

Charles W. Calomiris and Mark Carlson

Figure 1a-Distribution of ownership by management

Bin	Frequency
0-2	8
2-4	17
4-6	12
6-8	22
8-10	13
10-12	11
12-14	9
14-16	9
16-18	9
18-20	14
20-22	5
22-24	4
24-26	4
26-28	3
28-30	6
30-32	2
32-34	1
34-36	4
36-38	4
38-40	2
40-42	5
42-44	5
44-46	2
46-48	4
48-50	3
50-52	3
52-54	3
54-56	0
56-58	1
58-60	1
60-62	2
62-64	1
64-66	1
66-68	2
68-70	2
70-72	1
72-74	0
74-76	1
76-78	1
78-80	2
80+	7

Return to Figure 1a

Figure 1b-Distribution of ownership by independent directors

Bin	Frequency
0-2	12
2-4	16
4-6	25
6-8	22
8-10	17
10-12	12
12-14	11
14-16	19
16-18	6
18-20	7
20-22	9
22-24	8
24-26	8
26-28	9
28-30	3
30-32	4
32-34	2
34-36	3
36-38	3
38-40	3
40-42	1
42-44	2
44-46	1
46-48	1
48-50	0
50-52	1
52-54	0
54-56	0
56-58	1
58-60	0
60-62	0
62-64	0
64-66	0
66-68	0
68-70	0
70-72	0
72-74	0
74-76	0
76-78	0
78-80	0
80+	0

Return to Figure 1b

Figure 1c-Distribution of ownership by outsiders

Bin	Frequency
0-2	3
2-4	3
4-6	0
6-8	1
8-10	2
10-12	1
12-14	2
14-16	3
16-18	2
18-20	2
20-22	1
22-24	3
24-26	2
26-28	1
28-30	2
30-32	5
32-34	3
34-36	0
36-38	2
38-40	4
40-42	7
42-44	6
44-46	5
46-48	1
48-50	4
50-52	3
52-54	3
54-56	4
56-58	8
58-60	2
60-62	9
62-64	4
64-66	4
66-68	8
68-70	5
70-72	6
72-74	8
74-76	9
76-78	3
78-80	5
80-82	11
82-84	7
84-86	10
86-88	8
88-90	7
90-92	4
92-94	8
94-96	3
96-98	2
98+	0

Return to Figure 1c

Figure 2-Distribution of real estate loans as a share of all loans

Bin	OHRiverValley/S	Plains	Mountain/SW	Pacific
0	35.2112676056338	32.1428571428571	20	27.5862068965517
0 to 2	40.8450704225352	30.3571428571429	22	10.3448275862069
2 to 4	7.04225352112676	17.8571428571429	10	13.7931034482759
4 to 6	9.85915492957746	10.7142857142857	14	6.89655172413793
6 to 8	0	3.57142857142857	4	10.3448275862069
8 to 10	4.22535211267606	3.57142857142857	10	6.89655172413793
10 to 12	0	0	10	6.89655172413793
12+	2.8169014084507	1.78571428571429	10	17.2413793103448

Return to Figure 2

Figure 3-Distribution of reserves in excess of what was legally required

Bin	Number of banks where reserve ratio exceed requirement by various percentage points
below requirement	23
0 to 3	28
3 to 6	25
6 to 9	17
9 to 12	17
12 to 15	6
15 to 18	10
18 to 21	7
more than 21	23

Return to Figure 3

Figure 4-Share of banks u sing borrowed funds by month of exam report

Month	Share of banks using borrowed funds
Jan	44.828
Feb	37.931
Mar	19.048
Apr	33.333
May	25
Jun	20
Jul	40
Aug	20
Sep	25
Oct	41.667
Nov	45
Dec	43.75

Return to Figure 4

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