EXPENSES IN DISTRICTS I AND II 
= 
oY 
TABLE 175 
PERCENTAGE DEVIATIONS OF RATIOS OF TOTAL EXPENSE TO EARNING 
ASSETS FROM THE GROUP AVERAGES, 1922-1925, CLASSI- 
FIED MEMBER BANKS, NEw York FEDERAL 
RESERVE DISTRICT, BY YEARS 
Crty-Grourps 
(Podulation in 000’s) 
Average... .. 
Underzo..................... 
roand under 20............. 
20 and under go... ......... 
40 and under 120...  ....... 
120 and over*. .... eee 
New York Citv 
1923 
-n 6a 
20 
..08 
-0.90 
~0.23 
+1.80 
+2 40 
(LAR - 
Lo € 
0.6 
7 
2-46 
.67 
4€ 
~~ 
a2 
€g 
¢ 
VoLuME-GRrOUPS 
(Earning Assets in 00.000's) 
Average. ..... 
Unders..... 
5 and under 10 
to and under 20 
20 and under so. 
so and under 100. 
too and over*. .... 
New York Cit 
61 
56 
oo 
16 
~ 
1.57 
42.41 
41.15 
—0.07 
+0.90 
—2.5I 
-1.60 
Except New York City. 
Table 177, which shows that, even for the limited experience, 
covering as it does but two pairs of years, group ratios which 
are high or low, respectively, in the first of a pair of years tend 
to decrease or to increase in the following year. Moreover, this 
phenomenon obtains for both methods of classification, regression 
to type, so far as direction alone is concerned, being all but uni- 
versal. But regression is evidenced not only by directions, but 
also by percentage amounts of change, the changes, however, 
varying directly rather than inversely with the amounts of devia- 
tion from type. This fact is shown in Table 178, according to 
which, for the groups, there are no exceptions to the rule. 
But, as in the analyses of similar tendencies for the banks in 
the Boston district, groups are used. By treating the individual 
bank ratios in the Second district according to the plan used