Banking standards under the federal reserve system

Bibliographic data

Monograph

Identifikator:: 845394444

URN:: urn:nbn:de:zbw-retromon-47716

Document type:: Monograph

Author:: Grotewold, Christian http://d-nb.info/gnd/133549372

Title:: Das Finanzsystem des deutschen Reiches in politischer und wirtschaftlicher Beziehung

Place of publication:: Leipzig

Publisher:: Poeschel

Year of publication:: 1906

Scope:: 1 Online-Ressource (VII, 150 S)

Collection:: Economics Books

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Chapter

Document type:: Monograph

Structure type:: Chapter

Title:: Kapitel I - Die das finanzverhältnis des Reichs zu den Bundesstaaten regelnden Verfassungsbestimmungen. Die Einrichtung des Etats

Collection:: Economics Books

NORMS AND TRENDS IN DEPOSITS 63 lanta, for instance, the ratios for which closely correspond to those for the country as a whole. Chart 12!2 makes it possible to compare the ratios of time de- posits to earning assets for the individual and combined districts during the years 1919 to 1925. An outstanding, if not the main, characteristic is the upward trend of the solid lines which repre- sent the ratios in the various districts. While the slopes differ, the chart indicates a tendency for the ratios to increase, the rates of increase, however, generally decreasing. This is noticeably true for the ratios in the First and Second districts—Boston and New York—and for the twelve districts combined. It will be re- membered that uniform slopes, on charts of this type, indicate equal rates of change. In this connection, it is of interest to com- pare the slopes of the various solid lines. The rates of change are particularly uniform for Cleveland, Richmond, Atlanta, St. Louis, and Kansas City. Moreover, the rates are much alike in the following pairs of districts: Boston and New York; and Chi- cago and Minneapolis. The ratios in Philadelphia, Atlanta, and St. Louis closely agree with, while those in New York, Minneapolis, Dallas, and San Francisco widely differ from those for the combined districts. Those in New York and Dallas are noticeably lower, and those in Cleveland, Chicago, and Minneapolis are distinctly higher than those for the entire country. Yet in spite of the variations from the country’s averages, the ratios in the several districts are above or below their own seven-year levels at the same time, change from year to year in the same direction and by much the same rates, and describe the same long-period trends. (2) Ratios of Time Deposits to Total Deposits Time deposits, measured in terms of the earning assets of all member banks in the respective Federal Reserve districts, in- creased at a diminishing rate during the years 1919 to 1925. When measured as proportions of total deposits they also increased during these years. It is the norms and trends of deposits meas- ured in this latter manner with which this section of the dis- cussion has to do, the ratios themselves being given in Table 43. 12 For a statement of the basis upon which this chart is drawn and of the way it should be interpreted, see page 21.

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