7 
- A 
BANKING STANDARDS 
TABLE 66 
COMPARATIVE PERCENTAGE AMOUNTS OF DEVIATION FROM DISTRICT 
LEVELS AND NET YEAR-TO-YEAR CHANGE IN RATIOS OF 
Total. EXPENSE TO Gross EARNINGS 
DIFFERENCES FROM DISTRICT AVERAGES, 1919-1925 
Sign 
Number of | 
Cases 
Percentage 
Groups 
Average 
Percentage 
NET PERCENTAGE 
CHANGE FROM 
YEAR TO YEAR 
— 
- 
Average 
4.00 and over 
2.00 to 4.00 
Under 2.00 
Under 2.00 
2.00 to 4.00 | 
4.00 and over 
Average 
2.58 
4.68 
2.08 
0.8¢ 
0.80 
3.10 
5.70 
2 86 
40.15 
—1.42 
—0.66 
41.08 
+o0.27 
41.20 
+4.20 
+1 42 
differences, as is done in Table 67, it is found that (1) in general, 
ratios of total expense to gross are relatively low in the East and 
high in the other parts of the country; and (2) the positions of 
the respective districts relative to this level tend to obtain through- 
out the seven years under dis- 
cussion. Such persistence is 
not required because of the 
type of comparison made, as 
the cases of Districts 4 and 11, 
for instance, indicate. Changes 
from year to year, upward and 
downward, still leave a major- 
ity of the district ratios of total 
expense to gross earnings above 
or below the level for the coun- 
try as a whole. 
In the foregoing analysis of 
ratios of total expense to gross 
earnings, certain norms and 
tendencies have been discov- 
ered. These relate to the yearly 
district amounts compared (1)