348 
BANKING STANDARDS 
ASSOCIATION BETWEEN SERIES WITH RESPECT TO DIFFERENCES FROM 
THEIR DISTRICT AVERAGES: 
Positive 
Loans and discounts to 
earning assets and Gross earnings to earning assets 
Total expense to earning assets 
Net earnings to earning assets 
Total deposits to earning 
assets 
Time deposits to earning 
assets 
Time deposits to total 
deposits 
Gross earnings to earn- 
ing assets 
and Total expense to earning assets 
and Total expense to earning assets 
and Gross earnings to earning assets 
Total expense to earning assets 
and Total expense to earning assets 
Net earnings to earning assets 
Negative 
Total deposits to earn- 
ing assets and Gross earnings to earning assets 
Net earnings to earning assets 
Demand deposits to earn- 
ing assets and Gross earnings to earning assets 
Total expense to earning assets 
Demand deposits to total 
deposits and Gross earnings to earning assets 
Total expense to earning assets 
ASSOCIATION BETWEEN SERIES WITH RESPECT TO YEAR-TO-YEAR 
CHANGES: 
Positive 
Loans and discounts to 
earning assets and Gross earnings to earning assets 
Total expense to earning assets 
Net earnings to earning assets 
Time deposits to total 
deposits 
Gross earnings to earn- 
ing assets 
and Total expense to earning assets 
and Total expense to earning assets 
Net earnings to earning assets 
Negative 
Total deposits to earning 
assets and Gross earnings to earning assets 
Total expense to earning assets 
Demand deposits to earn- 
ing assets 
and Gross earnings to earning assets 
Total expense to earning assets