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

32 BANKING STANDARDS total expense to earning assets is 4.59. This figure is derived by dividing the total expense during these years and for these dis- tricts by the total earning assets and multiplying by roo. The yearly figures for the combined districts and the seven-year av- erage amount for each district are obtained in a similar manner. The ratios for the twelve districts and for the years in question, as thus derived, are given in Table 56. An inspection of this TABLE 56 Ratios oF ToTAL EXPENSE TO EARNING ASSETS IN Ari MEMBER Banks, FEDERAL RESERVE SYSTEM, BY YEARS AND BY FEDERAL RESERVE DISTRICTS FEDERAL RESERVE DISTRICTS ——————————« Boston. ..... New York..... Philadelphia. . .* Cleveland. .. Richmond... Atlanta. ..... Chicago. ..... 5t. Louis...... Minneapolis. . . Kansas City.. Pallas. ....... San Francisco. .. Average (All Districts) Averag: (1919- 1925) A.50 RaTine OF ToTAL EXPENSE TO ™ARNING ASSETS 1024 | 1025 1019 | 1920 | 1921 1022 | 4.08 4.33 i 5.08 4.54 ) 4.68 | 4.56 ——————— 4.82 aD. - 4.17 4.04 “a Jo Ar. 4.29 4.23 4.04 PARR. 4.30 3.99 4.c5 4.85 4.69 5.08 4.65 4.77 r.26 r.74 '.387 5,AT table shows that the ratios differ from year to year for the com- bined districts and from district to district for the individual and for the combined years. Accordingly, they may be analyzed with these and other characteristics in mind. If they are grouped in frequency form, no account being taken of the separate years and districts, the distribution shown in Chart 17 is obtained. The chart shows that the ratios cluster at the group 4.25-4.75, the distribution around this modal or typical group approaching the normal or bell-shaped type. They range from 3.49, for Phila- delphia in 19109, to 6.46 for Dallas in 1921. There are, however, comparatively few amounts at the extremes, 68% of the instances falling between the limits 3.75 and 5.25. This chart, while it takes no account of district or yearly differences, has the merit of showing in simple form the typical or modal ratios, the range over which the ratios extend, and the manner in which they cluster

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