i 
BANKING STANDARDS 
CHART 7 
DISTRIBUTION OF YEARLY DistrIcT RATIOS OF DEMAND DEPOSITS TO 
EARNING ASSETS, ALL MEMBER BANKS, 1910-192} 
Percentage 
Groups 
36 and under 40 
40 and under 44 
44 and under 48 
48 and under 52 
52 and under 56 
56 and under 60 
60 and under 64 
64 and under 68 
58 and under 72 
72 and under 76 
0 
a 
ee 
Per Cent 
Number 
10 15 20 25 of 
2 2 i de Cases 
3 
12 
19 
16 
RB 
12 
1 
3 
n 
extends from 39 to 75. Both Table 25 and Chart 7 show consid- 
erable diversity of these percentages but they do not disclose 
the norms which characterize their relative positions, nor sum- 
marize the trends in the direction and percentage changes in 
the amounts. These facts are emphasized in subsequent tables 
and in Chart 8. 
Table 26 shows the direction (plus or minus) and the per- 
centage difference by which the ratio in each of the districts for 
each of the years deviates from the district average for the 
period 1919-1925. While the ratios were generally high in 1919 
and 1920 and generally low in each of the years between 1921 and 
1924, in none of the years is there complete agreement among 
the district ratios as to the direction of the deviations from their 
own seven-year levels. This generalization, however, puts too 
much emphasis on the dissimilarities, as is evident from Table 
27, in which is indicated, for each year, the number of districts 
with ratios above or below their respective seven-year averages. 
In each of the years, a prevailing tendency is clearly apparent—a 
tendency less marked than and of a nature inverse to that illus-