50 
BANKING STANDARDS 
approximately two-thirds of the total deposits. During these 
years, however, the ratios for the combined districts decreased 
from 76% to 62%. The district having the highest ratio for the 
combined years is Dallas; the one having the lowest is Minne- 
apolis. Table 34 shows the ratios for the individual districts. 
The range and distribution of the ratios in Table 34 are 
illustrated in Chart 9. The most typical amounts fall in the 
group 60-65, although there is concentration also at groups 
55-60 and 70-75. While the range extends from 48.17 (for Min- 
neapolis in 1924) to 89.09 (for New York in 1919), 61% of the 
instances fall between 55 and 75. Because of the fact that 
yearly and district peculiarities in the ratios are ignored in 
Chart ¢, further study of the ratios is required. 
CHART ¢ 
DISTRIBUTION OF YEARLY DistricT RATIOS OF DEMAND DEPOSITS TO 
rHE ToraL oF Time AND DEMAND Deposits, ALL MEMBER BANKS, 
1010-1025 
Percentage 
Groups 
45 and under 50 
50 and under 55 
55 and under 60 
60 and under 65 
65 and under 70 
70 and under 75 
75 and under 80 
BO and under 85 
85 and under 90 
0 
1 
a 
J 
Per Cent 
10 15 
1 2 
J 
20 
1 Te 
fr — 
R—— 
ie—— 
Number 
of 
Cases 
6 
9 
14 
15 
9 
13 
7 
3 
If the seven-year average ratio in each district is taken as a 
standard of comparison and if ‘the yearly ratios in each district 
are expressed as plus and minus percentage differences from this 
standard, the results given in Table 35 are obtained. This table 
shows that in both 1919 and 1920 the ratios in all of the twelve 
districts were relatively high, and that in 1923, 1924, and 1925 
they were all low. In 1921 they were predominantly high and