CONTENTS 
APPENDIXES TIT AND II 
APPENDIX I. 
Relative Effects of Changes in Gross Earnings and 
in Total Expense Ratios on Changes in Ratios of 
Net Earnings, Member Banks, Boston Federal Re- 
serve District, 1924-1925 . . « +. . +. + + +. . . 
Illustrations of Correspondent Relations of Mem- 
ber Banks, Boston Federal Reserve District, 1924 389 
ApPENDIX II. 
INDEX TO TABLES AND CHARTS . . . . 
305 
INDEX TO DISCUSSION . 
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