y 2 
BANKING STANDARDS 
TABLE 37 
PERCENTAGE CHANGE FROM YEAR TO YEAR OF YEARLY DISTRICT 
Ratios oF DEMAND DEPOSITS TO ToTAL OF TIME AND 
DeMaND Deposits IN ALL MEMBER BANKS BY 
YEARS AND FEDERAL RESERVE DISTRICTS 
PERCENTAGE CHANGE FROM YEAR To YEAR 
FEDERAL RESERVE DISTRICTS 
sr emt 
Boston. . . 
New York. .. 
Philadelphia. 
Tleveland.... 
_ichmond. .. 
itlanta. .... 
“hicago...... 
t.Louis...... 
Jinneapolis. . . 
lansas City. . 
vallas......... 
San Francisco. 
Average 
(All Districts) 
1919 | ¥920 | 1021 
to - to to 
1920 1921 1922 
— 4.54 
— 6.06 
—2.48 
6o 
40 
= 
af 
-1i 
1022 
to 
“naa 
—" af 
1023 
1024 
-_—2.70 
1024 
to 
1025 
 —1.,08 
—1.08 
-3.012 
-—~2.20 
-2.05 
“+1.50 
40.10 
—0.88 
“+2.31 
+2.03 
—0.20 
—-£.30 
the districts, the direction of the change in the ratios of demand 
deposits to total deposits. The district levels are different, as 
shown in Table 34, yet the years when the ratios are high or 
low are essentially the same. Is there consistency among the 
districts in the direction of the changes from year to year? The 
average change, for all districts combined, was downward each 
year, as shown in Table 37. All of the separate districts (except 
Dallas in 1920, as compared with 1919; Chicago in 1922, as 
compared with 1921; San Francisco in 1923, as compared with 
1922; and Atlanta, Chicago, Minneapolis, and Kansas City in 
1925 as compared with 1924) register similar year-to-year 
changes. This marked uniform- 
ity is in sharp contrast with the TABLE 38 
changes from year to year.in 
the ratios of demand deposits 
to earning assets. In the latter 
case, except in 1921 as com- 
pared with 1920, the direction 
of change varies among the 
different districts. 
Striking asis the fact of down- 
ward year-to-year changes in all 
of the districts, as summarized