y 2

BANKING STANDARDS
TABLE 37

PERCENTAGE CHANGE FROM YEAR TO YEAR OF YEARLY DISTRICT
Ratios oF DEMAND DEPOSITS TO ToTAL OF TIME AND
DeMaND Deposits IN ALL MEMBER BANKS BY
YEARS AND FEDERAL RESERVE DISTRICTS

PERCENTAGE CHANGE FROM YEAR To YEAR

FEDERAL RESERVE DISTRICTS

sr emt

Boston. . .
New York. ..
Philadelphia.
Tleveland....
_ichmond. ..
itlanta. ....
“hicago......
t.Louis......
Jinneapolis. . .
lansas City. .
vallas.........
San Francisco.

Average
(All Districts)

1919 | ¥920 | 1021
to - to to
1920 1921 1922

— 4.54

— 6.06

—2.48

6o
40
=

af

-1i

1022
to
“naa

—" af

1023
1024

-_—2.70

1024
to
1025

 —1.,08

—1.08
-3.012
-—~2.20
-2.05
“+1.50
40.10
—0.88
“+2.31
+2.03
—0.20
—-£.30

the districts, the direction of the change in the ratios of demand
deposits to total deposits. The district levels are different, as
shown in Table 34, yet the years when the ratios are high or
low are essentially the same. Is there consistency among the
districts in the direction of the changes from year to year? The
average change, for all districts combined, was downward each
year, as shown in Table 37. All of the separate districts (except
Dallas in 1920, as compared with 1919; Chicago in 1922, as
compared with 1921; San Francisco in 1923, as compared with
1922; and Atlanta, Chicago, Minneapolis, and Kansas City in
1925 as compared with 1924) register similar year-to-year
changes. This marked uniformity
 is in sharp contrast with the TABLE 38
changes from year to year.in
the ratios of demand deposits
to earning assets. In the latter
case, except in 1921 as compared
 with 1920, the direction
of change varies among the
different districts.
Striking asis the fact of downward
 year-to-year changes in all
of the districts, as summarized