128
BANKING STANDARDS
centage was 1.82 for San Francisco; the highest, 2.36, for Dallas.
While these amounts show considerable variation, they tone down
the extremes which characterize the individual districts and years
as shown in Table 81.
TABLE 81
Ratios oF NET EARNINGS TO EARNING ASSETS IN ALL MEMBER
Banks, FEDERAL RESERVE SYSTEM, BY YEARS AND
8v FEDERAL RESERVE DISTRICTS
FEDERAL RESERVE DISTRICTS
Average
(All Districts)
Boston. ....
New York. .
2hiladelphia
“leveland...
richmond. .
jtlanta......
“hicago.....
5t. Louis. . . .
dinneapolis..
{ansas City.
Dallas.........
yan Francisco. .........
-1 TARNINGS TO TABNING ASSETS
1925
1.83 1.81
Average
one 1019 | 1020 1021 | 1922
ro2x)
Tpgrr-n oT
1.00
ve
a ro
; Sr
ry
-
<.
AY
<
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“2
“a
5
A
~§
.60
[.04
2.26
-. 86
87
96
“3
X.75
1.00
2.16
1.02
1.76
2,07
57
.7¢
1.26
1.66
2.19
1.¢6
~
92
_ 67
Deferring for the time being a consideration of the yearly and
district differences, a general conspectus of the range, the group-
ing, and the typical amounts can be secured by placing them, as
s done in Chart 32, in frequency form. When this is done, it is
seen that (1) the most common ratios fall in the group 1.90-2.10
—the group of which the average for the entire bank membership
for the period 1919-1925 is approximately the center; (2) the
amounts cluster about this center, the number of cases above 2.30
and below 1.50 being few; and (3) 71% of the instances are in-
cluded within the group-range 1.70 to 2.30. If, for convenience,
2% is taken as the normal or typical ratio, then it may be said
that, for the twelve districts for the years 1919 to 1925, inclusive,
the amounts in 71% of the district-years fall within limits 15%
above and 15% below this amount.
But such a method of describing the ratios is incomplete be-
cause it does not set out the district differences from the typical
or average amount. Chart 33 is presented in order to do this.
This chart is drawn as follows: (1) the ordinate, or vertical scale,
shows the ratios of gross earnings, and the abscissa, or horizontal
