INDEX TO DISCUSSION
(See also Index to Tables and Charts)

A

“Abnormal” years, inclusion of

Bank debits
fluctuation of
city 353-354
district 750-353
and changes in business conditions 357
i representative measure of general
business 3851
Banking standards. See Norms, Trends,
and é orrelation
Banks
competition of 354, 356, 357
interrelation of functions of 355, 356, 358, 369
need of standards by 7
overlapping of competitive areas of 354
Boston district members
definition of
gross earnings 266
net earnings 267
total expense 266-267
dominant effect of ratios of gross earnings
 on net earnings 329-342, 373-388
nature of correlation for
ratios of gross earnings with ratios of
net earnings 311-312
series with ratios of
net earnings

3¢ 0 ~ arva34a,
ve 228
r2
-4

total expense
nature of data for
norms in ratios of
gross earnings
net earnings
total expense
regression in ratios of
gross earnings
net earnings
total expense
relation o
gross earnings to net
earnings 321-342, 373-388
gross earnings to total
expense 321-342, 373-388
net earnings to gross
earnings 321-342, 373-338
net earnings to total
expense 321-342, 373-388
relative effect of total expense
on net earnings - 329-342, 373-388
series correlated with ratios of
gross earnings 277-283
‘rends in ratios of
gross earnings
net earnings
total expense
Bowser, H. R.
Burgess, W. Randolph

270-277
313-321
285-298
265-207
367, 599

Charts
interpretation of ratio
methods of drawing ratio
Competition, measurement of the
effects of

Cc

21-22
2x
2-f

Conclusions, significance of the 7-8
Correlation
general sum mary of 348
interpretation o 349-369
method of measuring 154-156, 279
nature of, for series with ratios of
demand deposits 175-192
gross earnings 212-2279
for Boston district
members 277-283, 311-312
interest and discount on borrowed
money
interest on deposits
investments
vans and discounts
net earnings
for Boston district
members

247-249
244-247
169-170
157-169
252-261

salaries and wages
time deposits
total deposits
total expense
for Boston district members
Correspondents
functions of bank
illustrations of relations between
bank
Curtiss, Frederic H.

309-312, 321-342,
373-388
242-244
192-211
171-174
228-251
309-312
356
389-392
200-202, 204, 244

J

Data
all districts
Boston district
lefinition of a year respecting
form of
nature of
New York district
sources of
‘emand deposits
definition of
aorms in ratios of
ratios of, in relation to
earning assets 41-49
total deposits 49-57
regression tendencies in ratios
of . 44-46, 53
series correlated with ratios of 175-192
trends in ratios of 56-57
uniformities in
positions of ratios of 42-43, 46-49,
. 50-52, 53-56
year-to-year changes in
ratios of 43-46, 48, 52-53,
54-56
Deposits. See also Demand deposits,
Time deposits, and Total deposits
definition of total ‘ 32
definition of year respecting 32
norms and trends in ratios of 32-70
series correlated with 171-211

J
3-4, 265-267
IX

S54
4 207
4,26 67

Earning assets
composition of .
and business conditions

E

It, 15-31
357-358

47%