Untersuchungen über das Versicherungswesen in Deutschland

Banking standards under the federal reserve system

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Monograph

Identifikator:: 1042018391

URN:: urn:nbn:de:zbw-retromon-81635

Document type:: Monograph

Title:: Untersuchungen über das Versicherungswesen in Deutschland

Place of publication:: München

Publisher:: Verlag von Duncker & Humblot

Year of publication:: 1913

Scope:: V, 362 Seiten

Digitisation:: 2018

Collection:: Economics Books

Usage license:: Get license information via the feedback formular.

Chapter

Document type:: Monograph

Structure type:: Chapter

Title:: I. Geschäftliche Versicherung

Collection:: Economics Books

178 BANKING STANDARDS TABLE 108 CORRELATION OF YEAR-TO-YEAR PERCENTAGE CHANGES OF DISTRICT RATIOS IN PAIRED SERIES INDEPENDENT VAriaBLE—Ratios of Demand Deposits to Earning Assets Amount of Chane- Direction Percentage Groups Total............ Increase 6andover............. gtob...... oo... 104... iii tees Under2............... Decrease Jnder z..... to 4..... 4tob...... 6 and over. .... Total. .... Average Percent- age 2 nT Number of District- Years DEPENDENT VARIABLES—Net Average Percentage Change Gross Earnings to Earning Assets Total , Net Expense Earnings to to Earning Earning Assets Assets —_e af - —- 3.12 + 1.1§ — 8.15 — 8.24 - 0.04 1 1 97 TT ..20 gross and net earnings and in total expense are attributable alone to the relative amounts of demand deposits. It is shown above that the amounts of dispersion in these series from their district levels are functions of the amounts of loans and discounts. A simi- lar functional relationship occurs in the year-to-year changes. If the net changes are measured for districts with increasing and decreasing ratios of both demand deposits and loans and dis- counts, the results shown in Table 109 are secured. To illustrate: The net year-to-year changes in ratios of gross earnings, of total expense, and of net earnings were downward in districts having increasing ratios of demand deposits. But for districts which had increasing ratios of demand deposits and of loans and discounts, the net change in each of these series was upward. On the other hand, while the net change in ratios of gross earnings, of total expense, and of net earnings for dis- tricts with decreasing ratios of demand deposits was upward, the rate of change in each of the series was accelerated in districts having decreasing ratios of demand deposits and increasing ratios of loans and discounts. Briefly, and in summary of Table 109, it is seen that conditions associated with the greatest falls in gross earnings, in net earnings, and in total expense are increasing demand deposits and decreasing loans and discounts; those

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