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

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

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

U4 BANKING STANDARDS TABLE 83 COMPARATIVE PERCENTAGE AMOUNTS OF DEVIATION FROM DISTRICT LEVELS AND NET YEAR-TO-YEAR CHANGE IN RATIOS OF NET EARNINGS TO EARNING ASSETS DIFFERENCES FROM DISTRICT AVERAGES, 1010-102 Sign Number of Cases iy Percentage | Average Groups Percentage Average 0.31 5.00 and over ".50 to 15.00 Under 7.<o 20.05 10.86 2.6¢ Under 7.50 4.69 7.50 to 15.00 9.79 ‘5.00 and over 20.45 Average 8.072 NET PERCENTAGE CHANGE FROM YEAR TO YEAR 2.02 —II JI - 4.13 —- 2.02 + 5.17 + 2.22 + 5.28 4. A to type, the type being in each case the level common to the re- spective districts. Earlier discussion showed that gross earnings and operating ex- penses also revert to type. In these cases, however, the reversion is greater than that for net earnings. But this is to be expected in view of the fact that net earnings, as residuals, are dependent not only upon the amounts of gross earnings and of operating expenses, but also upon the relations between them. While inverse correlation obtains between the positions of net earnings ratios in a given year and the directions of change from year to year, direct correlation occurs between the net percentage amounts of such change and the percentage amounts of the dis- persion. That is, as shown in the detail in Table 85, the greater the distance, measured on a percentage scale, which ratios of net earnings are above or below the levels of the districts to which they belong, the larger are the net percentage changes from year to year. There is, as the table shows, but one exception to this rule. Regression to type is indicated, accordingly, not only by the direction but also by the amount of change. The yearly net earnings ratios in the various districts may be compared with their own district levels, and these levels may be compared with one another and with the levels for all districts

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