Banking standards under the federal reserve system

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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 EXPENSES 9 TABLE 68 Ratios oF Total EXPENSE TO Gross EARNINGS IN NATIONAL BANKS, FEDERAL RESERVE SYSTEM, BY YEARS AND BY FEDERAL RESERVE DISTRICTS Rr=ne nr Tomar. Ry—wree~ ~~ goss WARNINGS FEDERAL RESERVE DISTRICTS I —— Average (All Districts) Boston. ... New York. . Philadelph? Cleveland. Richmond. Atlanta... Chicago... St. Louis... Minneapolis. Kansas City. Dallas........ San Francisco. Averag- (x19190- 1025) 60.12 97. & pe =a yy re 10.74 1010 1920 1021 67.04 | 66.40 ' 60.0% 20 q 04.79 64 ~7 ¢° ~¢ £ - 04.24 62 s& ‘99 64.16 66.42 f= 3p 1922 : 68 6o 87.84 3.64 6r =~ F 192] 70.20 6 rc & © 1024 LA a 6. ar I07, 71.06 2, g 6 ~ 78.2¢ 1925, inclusive, they paid $60.12 in the form of total expense. The corresponding amount paid by state bank and trust company members was $70.96. The year of cheapest operation for both classes of banks was 1920, the average ratios of total expense to gross earnings for national banks being 66.40, and for state banks and trust companies, 68.51. For the seven-year period, the lowest district ratio for national banks, 63.84, was in Phila- delphia; the highest, 79.59, was in Minneapolis. For the same period, for state banks,!! Philadelphia had the lowest ratio, 62.10, and Minneapolis the highest, 82.49. The foregoing paragraph and Tables 68 and 69 show that the ratios differ as between the two groups of banks, and within the same group depending upon the averages that are used. If yearly district ratios are taken as the bases of comparison, the variations are numerous, a casual inspection of the amounts showing little or no uniformity or consistency among them. Before reducing them to orderly form, however, it will be helpful to arrange them in frequency form from which, by inspection, the range, grouping, and concentration can be seen. This is done in Chart 20, uniform groupings being used for the two types of member banks. The ratios for national banks range from the group 60.00-62.50 to the group 80.00 and over; those for state banks, from 57.50- " 11uGtate banks” will hereafter be used as a substitute for the longer expression “State bank and trust company members.”

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