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

NORMS AND TRENDS IN DEPOSITS 69 on a ratio basis!® and shows, among other things, for the country as a whole, that (1) the ratios increase over the whole period 1919-1925; (2) the rates of change are largest for the years 1919- 1921; and (3) the rate, almost constant from 1921 to 1924, de- creases between 1924 and 1925. While the actual percentages in New York and Dallas are noticeably lower and those in Min- neapolis and San Francisco appreciably higher than those for the combined districts, the rates of change, with minor differences, are much the same. The district with ratios most closely con- forming to those for the country as a whole is Philadelphia; the one with rates of change most closely paralleling the averages for the combined districts is St. Louis. A brief summary relating to the norms and trends in the ratios of time deposits to earning assets, and to total deposits, is in place at this point: Norms 1. The typical ratios of time deposits to earning assets, for all member banks by districts and by years, 1919 to 1925, fall in the group 20-25. Other common amounts range from 30% to 40%. When time deposits are expressed as proportions of total deposits, the most common ratios fall in the group 40 to 45, concentration appearing also at the groups 25 to 30 and 335 to 40. 2. Ratios of time deposits to earning assets and to total de- posits are relatively low in 1919, 1920, and 1921, and relatively high in 1922, 1923, 1924, and 1925—the standards of comparison in each case being the respective average district ratios for the vears 1919-1925, combined. 3. Time deposits, when measured as percentages of earning as- sets and of total deposits, and when compared with corresponding yearly averages for the combined districts, are low during the entire seven years in Boston, New York, Kansas City, and Dallas. The other districts are generally high throughout the period. Trends 1. During the period 1919-1925, and from year to year, ratios of time deposits to earning assets and to total deposits increase. This is true of all member banks in the System as a whole and of 13 See the discussion relating to such charts, page 21.

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