1 
BANKING STANDARDS 
(1) Ratios of Demand Deposits to Earning Assets . . . 41 
(2) Ratios of Demand Deposits to Total Deposits . . . 49 
4. The Relation of Time Deposits to Earning Assets and 
to Total Deposits . . . . . . . . ....... 57 
(1) Ratios of Time Deposits to Earning Assets . . . . 57 
(2) Ratios of Time Deposits to Total Deposits . . . . 63 
NorMSs AND TRENDS IN Gross EARNINGS 
t. Introduction . . . . PE 
2. The Relation of Gross Earnings to Earning Assets . . . 
71 
71 
72 
NorMs AND TRENDS IN OPERATING EXPENSES . . . . . . . 81 
t. Introduction . . . . . . 81 
2. Total Expense . . . . . 81 
(1) The Relation of Total Expense to Earning Assets . . 81 
(2) The Relation of Total Expense to Gross Earnings . . go 
(4) Al Member Banks . . . . . .. ..... QO 
(B) National Banks, and State Bank and Trust 
Company Members . . . . . . 96 
3. Individual Expenses . . . . 3 107 
(1) Ratios of Salaries and Wages to Earning Assets . . 107 
(2) Ratios of Interest on Deposits to Earning Assets . . 111 
(3) Ratios of Interest and Discounts on Borrowed 
Money to Earning Assets . . . . . . . . . . . II§ 
(4) Ratios of Taxes to Earning Assets . . . . . . . . IIQ 
(5) Ratios of “All Other” Expenses to Earning Assets . 123 
J 
VII 
NorMS AND TRENDS IN NET EARNINGS 
t. Introduction . . . 
2. The Relation of Net Earnings to Earning Assets . . . . 
3. The Relation of Net Earnings to Gross Earnings . . . . 
(1) All Member Banks . . . . . . . . . . . ... 
(2) National Banks, and State Bank and Trust Company 
Members . . . 
127 
127 
127 
137 
137 
14%