CONTENTS 
PREFACE ... 
List oF TABLES ..... 
List oF CHARTS 
2 8 8 
vii 
xvii 
XxXxv 
PART I. INTRODUCTION 
Tue ProBLEM: ITS SIGNIFICANCE AND METHODS OF STUDY 
1. The Problem . . . . . . +. . « + «+ «+ « 
2. The Periods Covered and the Nature of the Data . 
3. The Plan and Methods of Study . . . . . . . 
4. The Conclusions, their Nature and Significance 
ed 
or 
PART II. NORMS AND TRENDS IN INDIVIDUAL SERIES FOR 
ALL MEMBER BANKS, BY DISTRICTS 
[i 
INTRODUCTION 
11 
NorMS AND TRENDS IN EARNING ASSETS 
i. Introduction . 
2. The Composition of the Earning Assets . . . . . . 
(1) Ratios of Loans and Discounts to Earning Assets . . 
(2) Ratios of Investments to Earning Assets . . . 
3 
13 
I5 
I5 
24 
[V 
NorMs AND TRENDS IN DEPOSITS 
1. Introduction . 
2. The Relation of Total Deposits to Earning Assets . 
3. The Relation of Demand Deposits to Earning Assets 
and to Total Deposits 
32 
32 
32 
14