38 
BANKING STANDARDS 
the percentage relation of total deposits to earning assets, is not 
marked among the various districts. Only four were high or low, 
relative to the country level, throughout the seven years. More- 
over, these districts are non-contiguous. In this respect, these 
ratios are strikingly different from those of loans and discounts 
to earning assets, as shown by Table 11. A brief summary of 
Table 23 is shown in Table 24. 
It will assist in viewing as a 
whole the ratios of total deposits 
to earning assets to place them 
on a chart. This is done in 
Chart 6, the basis upon which 
it is drawn and the method by 
which it should be interpreted 
being the same as those for 
similar charts previously pre- 
sented.* 
Forthecombined districts, the 
percentage rates of change were 
as follows: 1.24 upward between 
1919 and 1920; 2.17 downward 
between 1920 and 1921; a rise 
of 7.26 and 1.35 between 1921 
and 1922, and 1922 and 1923, 
respectively, and 3.97 and 2.76 
between 1923 and 1924, and 1924 and 1925. Over the whole 
period, the rise was 15.0%. All of the districts followed this gen- 
eral movement, but unequally contributed to it. Indeed, in all 
of them, the direction of change was upward between 1921 and 
1925. The rates of change in the several districts, except those in 
Atlanta, Minneapolis, and Dallas, closely followed those for the 
country as a whole; there were marked differences in the years 
1920 to 1921 in Atlanta, and in 1919 to 1920 in Minneapolis and 
in Dallas. The rate of increase over the whole period, character- 
izing all districts combined, was exceeded in Kansas City and 
Dallas; in Cleveland it was less. Marked variations from the 
rates of change from year to year, found for the country as a 
whole, occurred in New York between 1922 and 1923; in Phila- 
delphia between 1919 and 1920, and 1920 and 1921; in Cleveland 
4 See pages 21 and 22.