00
BANKING STANDARDS
TABLE 173
Ratios oF ToraL ExPENSE To EARNING AsseTs, MEMBER BANKS,
NEw York FEDERAL RESERVE DISTRICT, 1923-1925,
CLASSIFIED BY VOLUME OF EARNING ASSETS
EARNING
ASSETS
(in 00,000’s)
Total
Under 5
sto 10
Io to 20
wo to 50
50 to 100
100 and over*
New York City
Number
nL4
TOTAL
Average | Number
a
”
’
FR
a.
.. 1.
[c22
1924 1925
Average | Number Average ' Number Average
277 | 4.35
10
ox
.22
.45
44
i aR
4.2%
. fo
45 4.10
40 4.42
41 4.55 |
44 4.46
40 4.40
Aa 4.08
39 4.52
40 4.24
39 4.40
40 4.45
40 4.50
40 4.27
-9 4.0"
+Except New York Citv.
sizes, a condition contrary to that which in general held for the
member banks in the Boston district.®
An alternative method of presenting the ratios for the banks
in the New York district is given in Table 173. Here again,
and in contrast to a similar table showing the ratios for the banks
in the Boston district, the amounts do not tend to increase or
to decrease with changes in the volume (earning assets) groups,
although, in general, they are low, both within and outside of
New York City, for banks with earning assets of $10,000,000
and over.
The amounts in Tables 172 and 173 are averages, from which
there are marked variations each year for banks within a given
city and volume (earning assets) group. This fact is apparent
from the detail in Table 174, which, for the banks classified in
two ways, gives the frequency distributions of the ratios for
the three years, 1923, 1924, and 1925, combined. Variable as
are the ratios, they seemingly respond in much the same way
in each city group and earning assets group to influences deter-
mining (1) their relative positions within the groups each year,
(2) the types of change from year to year, and (3) their posi-
tions relative to the average each year for the entire number
of banks.
Tendencies toward uniformity of behavior are apparent from
Table 1735, which shows, by city groups and by volume (earning
assets) groups, the percentage amounts by which the average
8 Gee Table 161.
