“14 
BANKING STANDARDS 
TABLE 104 
NET PERCENTAGE YEAR-TO-YEAR CHANGES IN DIFFERENT RATIOS 
CORRELATED WITH PoSITION AND DIRECTION OF CHANGE 
IN RATIOS OF ToTAL DEPOSITS TO EARNING ASSETS 
NET PERCENTAGE YEAR-TO-VEAR CHANGES 
RATIOS: 
Total Deposits 
to 
Earning Assets 
Increasing 
From positions above 
the District Level. ... 
From positions below 
the District Level. ... 
Decreasing 
From positions above! 
the District Level. . .. 
From positions below 
the District Level... 
Number 
of 
District 
Years 
57 
27 
RATIOS: 
Gross Earnings | 
to 
Earning Assets 1! 
-0.59 
— 1.30 
+ o.05 
+8.61 
— 3.42 
J-x1.62 
RATIOS! 
Total Expense 
to 
Earning Assets 
—_0.,23 
—~ 0.61 
+ 0.14 
[412.57 
— 1.55 
416.10 
Ratios: 
Net Earnings 
to 
Earning Assets 
1.4% 
—2.33 
-~0.63 
40.27 
—8.04 
+2.34 
for ratios above and below the country level. For total deposits, 
grouped according to percentage amounts of dispersion, there is 
one exception for gross earnings and two for total expense. The 
case, however, is different for net earnings. Low ratios of net 
earnings—that is, ratios below the country level—are associated 
with high ratios of total deposits. Contrariwise, high ratios of 
net earnings are accompanied by low ratios of total deposits. 
The detail of such comparison are contained in Table 103. 
TABLE 103 
CORRELATION OF DEVIATIONS OF RATIOS IN PAIRED SERIES 
(Percentage Deviations from the Country’s Yearly Averages) 
Position 
Above 
Below 
INDEPENDENT VARIABLE—Ratios of 
Total Deposits to Earning Assets 
Distance from Average 
DEPENDENT VARIABLES—Net 
Average Percentage 
- Bivins 
Number 
of 
District- 
Years ! 
Gross | Total 
Earnings Expense 
to to 
Earning Earning 
Assets Assets 
| 
Net 
Earnings 
to 
Earning 
Assets 
Average 
Percentage 
Groups | Percent- 
Total. .. 
+2.24 
20 
-+-4 .04 
+ 8.30 
—g. 78 
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tO 0....oo0civernnsens 
204. initia 
Under2............... 
Jnderz................ 
CEO dun so ww swe vw us ww 
A300. ..ouvimmas murs vy 
6andover.............. 
Total. ...............1 
i 
fy | 9 
‘9 : 
AT I 
+0.70 <a 
, of 
1 +: 2 
+4 
i. 
+14. 34 
— 64 
+ 5.37 
4 2 28 
—6.84 
—8.17 
—1.50 
—_ 71 
en 
3 
5 
5 
—3.81 | 45 | +2.91 | + 3.12 | +2.60 
1. 
Coe 
13 
10 
, cad 
1. 5 ay 
—0.76 
+6.47 
+6.00 
+1.21