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 III. Correlated series for all Member Banks by districts

Collection:: Economics Books

SERIES CORRELATED WITH DEPOSITS 185 TABLE 114 NET PERCENTAGE CHANGES FROM YEAR To YEAR IN RATIOS CORRELATED WITH CORRESPONDING CHANGES IN RATIOS OF DEMAND DEPOSITS TO ToTAL DEPOSITS AND OF LOANS AND DISCOUNTS To EARNING ASSETS, 1919-1925 RATIOS: Demand Deposits to Total Deposits [ncreasing Decreasing Average RATIOS: ~oans and Discounts to Earning Assets iverage ncreasing decreasin— verage creasing Yarraaninme \verage ncreasing decreasing Number of District- Years NET PrRRCENTAGF MIANGFS PROM VFAR TO YEAR RATIOS: Gross Earnings to Farnine Assets RATIOS: Total Expense to Earning Assets RaTI0S: Net Earnings to Earning Assets 1Y ] -2.12 — > 40 em 1.17 +10.62 - 5 ~ districts having demand deposits below and loans and discounts above their average district levels; while net earnings are high- est in districts having both series above these levels. Except for net earnings, where the differences are slight, the same conditions obtain for these series of data when the net differences from their district averages are determined for paired variable amounts of demand deposits and loans and discounts both in terms of earning assets.3 In Table 113, year-to-year changes between 1919 and 1923, for ratios of demand deposits to total deposits, are classified by percentage amounts and directions, and for each of such classes the net percentage changes are determined for related series, the method being the same as that previously used. If attention is directed to the three series, gross earnings, total expense, and net earnings, it is found that the relations between the ratios in each of them and ratios of demand deposits are the same as those indicated by the total lines in Table 111. Moreover, changes in the ratios of gross earnings and of total expense are related in the same manner to ratios of demand deposits to total deposits as they are to ratios of demand deposits to earning assets.* That is, the types of relations between demand deposits and gross earn- " 3Gee Table 107, page 177. ¢ See Table 108, page 178.

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