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

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

Chapter

Document type:: Monograph

Structure type:: Chapter

Title:: Part IV. Norms, trends, and correlations of series in the Boston and in the New York districts by Member Banks

Collection:: Economics Books

EXPENSES IN DISTRICTS I AND II 287 groups, one in 1924 and one in 1925, the ratios increase with increasing earning assets. The amounts in Tables 161 and 162 are averages; they do not disclose the variations of the ratios each year for (1) the entire district, (2) a given volume (earning assets) group, or (3) a given city-size group. Further presenta- tions with them in mind are, therefore, required. Table 163 serves this purpose. It shows the distribution of the ratios for the banks classified as to size of city of location and as to amounts of earning assets. Both parts of the table agree in indicating that the ratios vary and that the larger the city and the greater the amount of earning assets, the less the variation. Not only do these facts obtain for the combined years, but they hold also for the individual years for which data are available. Different as are the averages and the distributions of the ratios for the entire district and for the several groups of banks as classified, there are nevertheless clearly defined norms and trends char- acteristic of the years for banks in each of the groups and for the groups of banks for each of the years. These are of interest in themselves and in the manner in which they resemble similar norms and trends of the ratios for individual banks in District 2, and for all member banks by districts. If the average ratio of total expense to earning assets for the banks in each city group and in each volume group for the period 1922-1925 is taken as a standard, and if the percentage amounts by which the yearly ratios for the banks in each of the respective wroups deviate from this standard are determined, the details given in Table 164 are secured. This table shows that (1) the ratios for all banks, for those in each of the city groups, except one, and in each of the volume groups, were low in 1922; (2) they were low in 1923 for all banks and for those in all but three? of the city and volume groups; and (3) they were high through- out the various groups in 1924 and 1923, the only exceptions to the rule being the city group 120,000 and over, which was low in 1924, and the volume group $5,000,000 and over, which had he average ratio in each of the years. Consistency of this sort, obviously, is not due to the manner of making the comparison. Differences from averages are, of In one city group the ratio in 1923 was the same as that for the period 1922- 102%, inclusive.

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