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

86 BANKING STANDARDS cated the opposite condition to be true. It was shown in Table 53 that relatively more ratios decreased when they were already low than increased when they were already high, and this again appears to be in keeping with the results to be expected. But what are the percentage amounts of change from year to year for district ratios positively and negatively placed in the first of each pair of years with respect to the level of the district to which they belong? While the directions of change tend to vary inversely, the net percentage amounts of change vary directly with the positions occupied. This fact is shown quantitatively in Table 60. Not only are the directions of change downward for ratios which are above the average and upward for those which are below, but the net percentage amounts of change increase with the percentage amounts of dispersion. Over the whole range of percentages and from group to group, this condition obtains for ratios holding positive (+4) positions; for those with nega- tive (-) positions, there is one exception for the group arrange- ment, There is regression to type in the case of operating expenses as there is in the case of gross earnings. Operating expenses are subject to administrative control, the effort of management being to reduce them, and the effect of competition relating to salaries TABLE 60 COMPARATIVE PERCENTAGE AMOUNTS OF DEVIATION FROM DISTRICT LEVELS AND NET YEAR-TO-YEAR CHANGE IN RATIOS OF ToTAL EXPENSE TO EARNING ASSETS DIFFERENCES FROM DISTRICT AVERAGES, 1019-1925 Sign Number of Cases Percentage Groups Average Percentage 20 Average 5.54 2A 10.00 and over 5.00 to 10.00 Under =.0co I 61 « . IO 2.68 In II Under 5.00 5.00 to 10.00 10.00 and over 1.21 7.50 12.54 33 Average ” NET PERCENTAGE CHANGE FROM YEAR TO YEAR — 3.06 -— 6.96 5.00 - 1.53 + 4 4 +13.62 + 9.76 + 8.06

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