"QA 
BANKING STANDARDS 
TABLE 74 
NuMBER OF YEARS, 1919 TO 1925, IN WHICH THE DisTrIcT RATIOS 
OF TorAL EXPENSE To Gross EARNINGS FOR NATIONAL BANKS 
AND FOR STATE BANK AND Trust ComPANY MEMBERS 
WERE ABOVE OR BELOW THE CORRESPONDING YEARLY 
RATIOS FOR THE COUNTRY AS A WHOLE 
FEDERAL 
RESERVE 
DISTRICTS 
ABOVE 
National 
Banks 
State Banks 
and Trust 
Caomnaniee 
National 
Banks 
Brrow 
State Banks 
and Trust 
Comnanies 
Boston......... 
New York...... 
Philadelphia. ... 
Cleveland. .... . 
Richmond... ... | 
Atlanta........| 
Chicago. .......} 
5t. Louis. . pe. 
Minneapolis. . . . 
Kansas City. ... 
Dallas. ........ 
San Francisco... 
— 
generally on the same side of the averages at the same time. In 
four of them, the ratios for both sets of banks occupied the same 
positions relative to the country’s yearly averages for the entire 
seven years. From Table 74, it is shown that two of them (New 
York and Philadelphia) were below, and two (Minneapolis and 
Kansas City) above this average level for each of the years in 
question. 
To question 4 on page 103, the answer is “yes.” That is, the 
wider the dispersion of district ratios for national bank members 
from the country level, the wider the dispersion for the corre- 
sponding district ratios for state bank members from the country 
level. To this rule, when the amounts of dispersion for the two 
groups of banks, by districts, are classified by percentage groups, 
there are only two exceptions. 
In general, and in summary, therefore, the district ratios of 
total expense to gross earnings for national and for state bank 
members compare as follows: (1) they are generally higher for 
state than for national bank members; (2) relative to their re- 
spective district levels for the period 1919 to 1925, both sets of