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

340 BANKING STANDARDS It will be observed that the net increases in ratios of net earnings are larger in all cases but one when gross earnings ratios are increasing than when total expense ratios are decreasing, this fact indicating the dominance of changes in ratios of gross earn- ings in producing these results. ConNpiTioNs MAKING FOR DECREASES IN NET EARNINGS RATIOS Ratios Total Expense Gross Earnings Total Expense Gross Earnings Total Expense Gross Earnings Total Expense Gross Earnings Nature of Chance [ncreasing Decreasing Increasing Decreasing Increasing Decreasing Increasing Decreasing Position Above Above Above Above Below Below Below Below Ratios Gross Earnings Total Expense Gross Earnings Total Expense Gross Earnings Total Expense Gross Earning: Total Expense Position Above | Above Below Below Above Above Below Below ' Net Change in Net Earnings -,16 ~-~.20 +.24* —.43 -.32 -.08 + .071 -— AT *tFor explanation of the nature of these signs, and size of the amounts, see Appendix I, page 387, Cases ¢ and 5, respectively. It will be seen that, in every case except one, the decreases in net earnings ratios for banks having decreasing gross earnings ratios are larger than are those for banks having increasing ratios of total expense. If the net changes between 1924 and 1925 in ratios of net earnings are determined for banks with gross earnings and with total expense ratios classified by the nature of the change be- tween 1924 and 1925 and also by their positions relative to their averages in 1924, the results shown in Table 197 are secured. The general conclusion to be drawn from the preceding sum- mary is that the dominating influence in producing both increases and decreases in net earnings ratios between 1924 and 1925 are changes in ratios of gross earnings. This finding is fully in accord with that secured by a separate analysis developed in Appendix I. It should be remember that this conclusion refers to the mem- ber banks in the Boston Federal Reserve district, the changes in the net earnings ratios being those observed between 1924 and 1925. Lying back and partly in explanation of these changes

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