Banking standards under the federal reserve system

Bibliographic data

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

NORMS AND TRENDS IN NET EARNINGS 147 TABLE 93 Ratios oF NET EARNINGS TO GROSS EARNINGS IN STATE BANKS, FEDERAL RESERVE SYSTEM, BY YEARS AND BY FEDERAL RESERVE DISTRICTS FEDERAL RESERVE DISTRICTS Boston. ... New York. .. Philadelphia. Cleveland... Richmond. Atlanta..... Chicago. ... St. Louis. . .. Minneapolis. Kansas City. Dallas. ...... San Francisco. . Average (All Districts) Averag (1910- 102%) 20.04 .0¢ 18 "lg £1. 1. 16-0 Ratios NET FARNINGE TO Gross EARNINGS [ 1025 k {ol 1 od al 20 &r 20.68 . 28 ea 26.04 27.46 25.46 31.26 5. .20 26.63 27.00 an ~~ a 3 3 3¢ ” z 4 - ad 27.97 1. vg 25.02 32.07 37.87 30.12 + 24.00 20.4 37 °° 2F ar ~ * £ 20. N 1G. 1 TH 2. 20.16 fall in the group 27.50-30.00 and for the state banks in the group 25.00-27.50. That is, there is a difference of 2 points—an amount somewhat larger than that indicated by the difference between the seven-year averages for the two groups in the entire System. Accordingly, it is of interest to observe both the ranges and the groupings for the two types of institutions. The minimum and the maximum ratios for the state mem- bers extend beyond those for the national institutions. More- over, within the respective ranges, the nature of the grouping is different. For the state banks the area of concentration extends from 25.00 to 32.50; for the national banks from 25.00 to 37.50. There are relatively more low and relatively fewer high ratios for state than for national banks. Accordingly, not only the average ratio but also the prevailing ratios of net earnings to gross earnings is higher for national than for state banks—‘“bank,” it should be remembered, being the abbreviated term used for all of the respective member banks of the class in question in an entire district. So much for the size of the ratios. How about the rates of change from year to year and over the whole period 1919-1925 of the ratios for the two kinds of institutions? The rates are graphically shown in Chart 37, which is drawn on a ratio basis. It is difficult briefly to summarize the various facts disclosed by this chart, and only those most clearly indicated will be

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