INDEX TO DISCUSSION 
1 LQ 
Net Earnings (Continued) 
trends in ratios of 127-150 
to gross earnings and to 
earning assets 144-145 
yniformities in 
positions of ratios of 131-132, 134-136 
national and state member 
banks 146-148, 150 
to gross earnings, and to 
earning assets 138-141, 143-144, 150 
year-to-year changes in ratios 
of 132-134, 136 
national and state bank members 149-150 
to gross earnings and to 
earning assets 141-142, 150 
New York district members 
definition of 
earning assets 
total expense 
nature of data 
norms in total expense ratios 
regression in ratios of total 
expense 
trends in total expense ratios 
“Normal’’ years, inclusion of 
Norms 
general summary of 
interpretation of 
in ratios of 
demand deposits 
deposits 
gross earnings 
Boston district members 
interest on deposits 
interest and discounts on 
borrowed money 117 
investments sl 
loans and discounts 23 
net earnings : 144, 313-321 
Boston district members 313-3271 
“other” expense 124-27" 
salaries and wages 109-1 
taxes 1213 
time deposits 69 
total deposits 40 
total expense 95, 285-309 
Boston district members 285-298 
New York district members 298-309 
summary of type of study revealing 254 
and trends in individual series 9-150 
Problem, 
purpose of study 
significance and methods of study 
3 
3-8 
Ratios 
data as 4, 268 
earning assets as a base for 11, 12 
Xegression 
conditions explaining tendencies 
toward 358-359 
explanation of tendencies of, 
in ratios of gross earnings 76-77 
general summary of tendencies of 346 
methods of measuring 273-276, 293-298, 
319-320 
pattern of 7 
tendencies of, in ratios of 
demand deposits 44-46, 53 
gross earnings 75-77 
Boston district members 273-277 
investments 27-28 
loans and discounts 18-19 
net earnings 133-134 
Boston district members 317-321, 328-329 
time deposits 60-61 
total deposits 36-37 
total expense 85-87, 93-94 
Boston district members 291-298 
New York district members 301, 303-309 
Retailing ] 
regression to type, of expenses in 7-8 
Riefler, Winfield W. 367-368 
: 
Salaries and wages 
norms in ratios of 
relation of ratios of, to 
series correlated with ratios or 
trends in ratios of 
uniformities in 
positions of ratios of 
year-to-year changes in ratios of 
Securities. See Investments 
Series 
Method of correlating related 154-156 
Norms and trends in individual 9-150 
Standards, need of banks of 7 
See also Correlation, Norms, 
and Trends 
State bank members 
relation of ratios of total expense 
to gross earnings 96-107 
uniformities in 
positions of ratios of 
net earnings 146-148, 150 
total expense 07-102, 104-3106 
year-to-year changes in ratios of 
net earnings 149-150 
total expense 102-103, 106 
Statistical techniques, use of 5 
Study 
nature of 12 
and significance of conclusions of 6-8 
plan of 
by parts 5-6 
and methods of 5-6 
purposes of 12 
109-111 
107-111 
242-244 
III 
108-110 
110 
0 
Order, evidences of, in banking, 
See also Correlation, Norms, 
and Trends 
“Other’’ expense 
norms in ratios of 
trends in ratios of 
relation of ratios of, to earning assets 
uniformities in 
positions of ratios of 
year-to-year changes in ratios of 
“Other income,” relation of, 
to gross earnings 
Overdrafts, inclusion of, in loans 
and discounts 
- 
124-128 
125 
ve 1.126 
126 
126 
yi 
Part 
[1 
nature of discussion in 
summary of 
11 
-ummary f 
v 
7 summary os 
summary of 
Taxes 
norms in ratios of 
relation of ratios of, to earning 
assets 
trends in ratios of 
121 
119-123 
121, 123