BANKING STANDARDS 
below, the region of low net earnings relative to the average 
ff 2%. 
This chart shows, among other things, that (1) the district 
ratios hover closely around 2%, the dispersion or spread being less 
CHART 33 
D1STRIBUTION OF DISTRICT RATIOS OF NET EARNINGS To EARNING 
ASSETS WITH REFERENCE TO VARIABLE DisTrRICT RATIOS OF GROSS 
EARNINGS AND OF ToTAL EXPENSE TO EARNING ASSETS, ALL MEMBER 
BANKS, 1919-1g25%* 
® 
on 
Ratios: Total Expense to Earning < Assets 
eS 6.25 6.00 5.73 5.50 5.25 5.00 4.75% 4.50 4.25 4.00 3.75 3.50 3.28 
o et ee ee re re 
t 
3,75 
3.50 
3.251 
3.00 j 
7.750 
20d 
225] . 
sol. 
6.75! 
Av- 
rage 
6.60" 
5.25! 
5.00! 
3.751 
~~ 
3.25 LL 
*Plain figures refer to the yearly and the enclosed figures to the seven-year average 
atios for the respective districts by number.