Banking standards under the federal reserve system

Bibliographic data

Monograph

Identifikator:: 1762969653

URN:: urn:nbn:de:zbw-retromon-142432

Document type:: Monograph

Title:: Banking standards under the federal reserve system

Place of publication:: Chicago

Publisher:: A. W. Shaw Company

Year of publication:: 1928

Scope:: xxxviii, 420 Seiten

Digitisation:: 2021

Collection:: Economics Books

Usage license:: Get license information via the feedback formular.

Chapter

Document type:: Monograph

Structure type:: Chapter

Title:: Part II. Norms and trends in individual series for all Member Banks, by districts

Collection:: Economics Books

94 BANKING STANDARDS TABLE 45 Ratios oF Time Deposits 10 ToTarL Deposits IN Arr. MEMBER BANKS, FEDERAL RESERVE SYSTEM, BY YEARS AND BY FEDERAL RESERVE DISTRICTS — FEDERAL RESERVE DISTRICTS \verage (ro19-| 1919 , IX9230 1025) RATIOS OF TtME DEPNSITS TO TOTAL Deposits 1021 | 1022 | 1023 1024 | 1025 i — Average (All Districts) ' 32.71 © 23.58 27.06 31.40 1 33.10 1 35.10 36.04 | 37.60 boston. .... New York. . 2hiladelphia.. Cleveland... Richmond. . Atlanta..,.. Chicago. .... it. Louis. . ., .. Minneapolis. . Kansas City. Dallas....... San Francisco. . 20 toc 9.71 or Lo 2. .4C 19.6 74.4L 2T-04 tr 52 LAL Cs C74 "4.93 39.65 Te a 35.54 25.71 41.96 48.63 46.69 39.00 44.42 40.23 50.72 8.53 21.17 50.33 i The average ratio for all districts for all years is 32.71%. The lowest yearly amount for all districts is 23.58, in 1919; the high- est, 37.60 in 1925. For the combined years, Dallas with 17.90 is the lowest, and Minneapolis, with 49.33, the highest. By group- ing all of the ratios into a frequency form, it is found, as shown in Chart 13, that they range from 10% to 55%, the smallest one being 10.91 for New York in 1919, and the largest, 51.83 for Minneapolis in 1924. The modal or typical group is 40-435, al- though concentration also appears at groups 25-30 and 35-40. The general tendency in each district being for the ratios to in- crease, those for the early years are found in the lower, and those for the later years in the upper groups of the chart. This being true, further study of district and yearly differences and similari- ties is necessary. The first approach to such a study is to compare the ratios each year in each district with the average district amounts for the period 1919-1925. In this comparison, plus and minus percentage deviations are used. Table 46, giving the resultant amounts and signs, shows that in all districts 1919 and 1920 are low, 1923, 1924, and 1925 are high, 1921 is predominantly low, and 1922 is predominantly high. The ratios in all of the districts (except New York) are higher than the seven-year averages in 1922 and subsequent years; they are lower during 1919 and 1920

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