1V

BANKING STANDARDS

PART IV. NORMS, TRENDS, AND CORRELATIONS OF SERIES
IN THE BOSTON AND IN THE NEW YORK DISTRICTS
BY MEMBER BANKS

XIV

[INTRODUCTION

265

XV

NorMs, TRENDS, AND CORRELATIONS IN Gross EARNINGS RATIOS 270
1. Introduction . . . A +
2. Norms and Trends in Gross Earnings Ratios . . . . . 270
3. Series Correlated with Ratios of Gross Earnings to
Earning Assets . . . C277

XVI

NorMs, TRENDS, AND CORRELATIONS IN TOTAL EXPENSE RATIOS 285
t. Introduction . . . . . . «+. 28s
2. Norms and Trends in Total Expense Ratios . . . . . . 285
(1) Member Banks in District 1—Boston . . . 285
(2) A Sample of the Member Banks in
District 2—New York . . . . . . CL... . 208
3. Series Correlated with Ratios of Total Expense to
Earning Assets—Member Banks in
District —Boston . . . .

300

XVII

Norms, TRENDS, AND CORRELATIONS IN NET EARNING RATIOS . 313
i. Introduction . . I 3 &
2. Norms and Trends in Net Earnings Ratios . . . . . . 313
3. Series Correlated with Ratios of Net Earnings to
Earning Assets . .  32r

PART V. GENERAL SUMMARY AND INTERPRETATION
XVIII

GENERAL SUMMARY

345

INTERPRETATION

TL

7
7

4C