Banking standards under the federal reserve system

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Monograph

Identifikator:: 1762969653

URN:: urn:nbn:de:zbw-retromon-142432

Document type:: Monograph

Title:: Banking standards under the federal reserve system

Place of publication:: Chicago

Publisher:: A. W. Shaw Company

Year of publication:: 1928

Scope:: xxxviii, 420 Seiten

Digitisation:: 2021

Collection:: Economics Books

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Chapter

Document type:: Monograph

Structure type:: Chapter

Title:: Part II. Norms and trends in individual series for all Member Banks, by districts

Collection:: Economics Books

BANKING STANDARDS TABLE 41 RATIOS OF TIME DEPOSITS TO EARNING ASSETS IN ALL MEMBER BANKS, FEDERAL RESERVE SYSTEM, BY YEARS AND BY FEDERAL RESERVE DISTRICTS FEDERAL RESERVE DISTRICTS Average (All Districts) Boston. ...... New York... “hiladelphia. _leveland... Richmond... Atlanta.... Chicago. . .. St. Louis. .... Minneapolis. Kansas City. Dallas. ..... San Francisco \verag: ‘1019- t925) 28.03 3 .91 79 .04 2.89 .38 -t 1019 | 1020 | 102% | 1922 | 1923 RATIOS TIME DEPOSITS TO FARNING ASSETS | 1035 19.01 "22.08 | 25.13 | 28.43 | 30.36 33.35 " 34.88 9. 74 I. 20 2R, of 22.0" 6.22 I1.04 20.43 30.07 a! "1.13 13.40 24.7% 33.5% 24.70 17.06 22.07 36.74 34 6 27." 20.00 20.94 38.03 35 54 33.2. °. 6c 3 22.50 34.11 42.94 37.61 cr.ob ,00 33.24 23.55 36.53 43.76 40.42 35.94 12.22 5£.83 48.47 28.11 20.27 £0.08 3 afl $a 18 41 shows that there was a tendency for the ratios in each of the districts to increase from year to year, the result being, when the period is treated as a whole, as is done in Chart 11, that the ratios for the later years fall in the upper, and those for the earlier years in the lower groups as provided. Account must be taken of this almost universal upward trend in any analysis purporting to show both the norms and tendencies characterizing the percent- ages. This is done immediately below. If, as in the preceding discussion of other ratios, the seven- year averages for the respective districts are taken as bases from which to measure percentage variations from type, the results shown in Table 42 are obtained for the ratios of time deposits to earning assets. From this table it is apparent for each district that the years 1919, 1920, and 1921 are low; and that 1923, 1924, and 1925 are high. The turning point from low to high comes in 1922 for all but three districts. The similarity of results for the ratios of time deposits to earning assets in the various districts is more marked than that found for ratios of demand deposits to earning assets.!’ In the latter case, there is some evidence of community of behavior; in the former, it is almost perfect. The percentage amounts by which the yearly district ratios of time deposits to earning assets are above or below their own seven- 11 See Table 26.

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