1V 
BANKING STANDARDS 
PART IV. NORMS, TRENDS, AND CORRELATIONS OF SERIES 
IN THE BOSTON AND IN THE NEW YORK DISTRICTS 
BY MEMBER BANKS 
XIV 
[INTRODUCTION 
265 
XV 
NorMs, TRENDS, AND CORRELATIONS IN Gross EARNINGS RATIOS 270 
1. Introduction . . . A + 
2. Norms and Trends in Gross Earnings Ratios . . . . . 270 
3. Series Correlated with Ratios of Gross Earnings to 
Earning Assets . . . C277 
XVI 
NorMs, TRENDS, AND CORRELATIONS IN TOTAL EXPENSE RATIOS 285 
t. Introduction . . . . . . «+. 28s 
2. Norms and Trends in Total Expense Ratios . . . . . . 285 
(1) Member Banks in District 1—Boston . . . 285 
(2) A Sample of the Member Banks in 
District 2—New York . . . . . . CL... . 208 
3. Series Correlated with Ratios of Total Expense to 
Earning Assets—Member Banks in 
District —Boston . . . . 
300 
XVII 
Norms, TRENDS, AND CORRELATIONS IN NET EARNING RATIOS . 313 
i. Introduction . . I 3 & 
2. Norms and Trends in Net Earnings Ratios . . . . . . 313 
3. Series Correlated with Ratios of Net Earnings to 
Earning Assets . .  32r 
PART V. GENERAL SUMMARY AND INTERPRETATION 
XVIII 
GENERAL SUMMARY 
345 
INTERPRETATION 
TL 
7 
7 
4C