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 III. Correlated series for all Member Banks by districts

Collection:: Economics Books

“14 BANKING STANDARDS TABLE 104 NET PERCENTAGE YEAR-TO-YEAR CHANGES IN DIFFERENT RATIOS CORRELATED WITH PoSITION AND DIRECTION OF CHANGE IN RATIOS OF ToTAL DEPOSITS TO EARNING ASSETS NET PERCENTAGE YEAR-TO-VEAR CHANGES RATIOS: Total Deposits to Earning Assets Increasing From positions above the District Level. ... From positions below the District Level. ... Decreasing From positions above! the District Level. . .. From positions below the District Level... Number of District Years 57 27 RATIOS: Gross Earnings | to Earning Assets 1! -0.59 — 1.30 + o.05 +8.61 — 3.42 J-x1.62 RATIOS! Total Expense to Earning Assets —_0.,23 —~ 0.61 + 0.14 [412.57 — 1.55 416.10 Ratios: Net Earnings to Earning Assets 1.4% —2.33 -~0.63 40.27 —8.04 +2.34 for ratios above and below the country level. For total deposits, grouped according to percentage amounts of dispersion, there is one exception for gross earnings and two for total expense. The case, however, is different for net earnings. Low ratios of net earnings—that is, ratios below the country level—are associated with high ratios of total deposits. Contrariwise, high ratios of net earnings are accompanied by low ratios of total deposits. The detail of such comparison are contained in Table 103. TABLE 103 CORRELATION OF DEVIATIONS OF RATIOS IN PAIRED SERIES (Percentage Deviations from the Country’s Yearly Averages) Position Above Below INDEPENDENT VARIABLE—Ratios of Total Deposits to Earning Assets Distance from Average DEPENDENT VARIABLES—Net Average Percentage - Bivins Number of District- Years ! Gross | Total Earnings Expense to to Earning Earning Assets Assets | Net Earnings to Earning Assets Average Percentage Groups | Percent- Total. .. +2.24 20 -+-4 .04 + 8.30 —g. 78 6andover.............. tO 0....oo0civernnsens 204. initia Under2............... Jnderz................ CEO dun so ww swe vw us ww A300. ..ouvimmas murs vy 6andover.............. Total. ...............1 i fy | 9 ‘9 : AT I +0.70 <a , of 1 +: 2 +4 i. +14. 34 — 64 + 5.37 4 2 28 —6.84 —8.17 —1.50 —_ 71 en 3 5 5 —3.81 | 45 | +2.91 | + 3.12 | +2.60 1. Coe 13 10 , cad 1. 5 ay —0.76 +6.47 +6.00 +1.21

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