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

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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

NORMS AND TRENDS IN DEPOSITS 67 former relating to the year-to-year changes in ratios of time de- posits to total deposits, and the latter to ratios of demand deposits to total deposits. Table 47 shows consistency among the respective districts in the direction of change characterizing the ratios of time deposits to total deposits. Table 48 indicates as striking consistency in the positions held by districts relative to the averages for the country as a whole. Boston, New York, Kansas City, and Dal- las, for the entire seven years, are below, while the remaining districts (except Philadelphia, in 1920) are above the country’s averages. If, as determined in this manner, districts are rela- tively low in one year, they are low throughout all of the years; conversely, if they are high, they remain high. Such a condition might be accounted for by the wide differences between the dis- trict ratios and those for the country, or by similarities of change from year to year. It will be seen later that it is primarily due to the uniformities of the rates of change. An explanation for such similarity will be offered in due course. The signs in Table 48 are, of course, the opposite of those in Table 39. That is, those districts which have high or low ratios of time deposits to total deposits have low or high ratios of de- mand deposits to total deposits, and vice versa. Chart 14 graphically presents the ratios of time deposits to total deposits for the respective years and districts. It is drawn TABLE 48 PERCENTAGE DIFFERENCES OF DISTRICT AVERAGES OF RATIOS OF TiMe Deposits 10 ToraL Deposits For ALL MEMBER BANKS, FEDERAL RESERVE SYSTEM, FROM AVERAGES FOR THE COUNTRY AS A WHOLE FepERAL RESERVE DISTRICTS Boston. ..... New York. .. Philadelphia.. Cleveland... . Richmond... Atlanta...... Chicago. .... St. Louis. . . . Minneapolis. . Kansas City.. Dallas. ...... San Francisco Average 1919-25) =TI.7¢ ~39.1( Ls.1c Lio.96 “5.71 11.10 r3o0.of } 8.99 t50.80 —18.16 —45.27 F36.56 PERCENTAGE DIFFFRENCES *20M THE COUNTRY’ AVERAGES — 1010 10320 1021 1022 1023 1024 1928 -..53 —53.72 + 4.66 +46.14 +31.03 $19.67 60.3: $rs5.c +8» - —- —46.5. +13.18 6 LI Zihas ~ x +34. ] be. —+(.12 ~46.46 + 0.29 +27.01 kc6. 58 +s Ra —~14.4 -~40.88 + 3.82 430.58 +30.52 t14.52 19.44 +10.7- +53. —16.84 —42.33 +38.8 -I11.7¢ — 6.66 —33.14 =—32.51 t 32.64 + 7.34 +126.57 +28.50 24.7 ‘aaz.01 L. Ray 4 8.af Par,61 'eal3n sot kgf +45.87 +c 31 —19.04 =—1%. go —43.28 —42.94 430.58 . +28.72 -— ©. 48 -31.62 +11.50 +129.33 424.17 + 3.96 +18.14 + 6.99 +34.80 —324.12 —43.70 +33.8% “* 5¢ -. .28 +48.15% 2 "00 ~r5.31 —44.17 +43.38

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