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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Document type:: Monograph

Structure type:: Chapter

Title:: Part II. Norms and trends in individual series for all Member Banks, by districts

Collection:: Economics Books

ng BANKING STANDARDS TABLE 60 RATIOS OF ToTAL EXPENSE TO GROSS EARNINGS IN STATE BANKS, FEDERAL RESERVE SYSTEM, BY YEARS AND BY FEDERAL RESERVE DISTRICTS I —— EDERAL RESERVE DisTrICTS Boston. ..........ovveinnnn New York..... NPI Philadelphia. . .. Cleveland. ... . Richmond. . Atlanta...... “hicago. ..... it. Louis. ..... finneapolis. . Lansas City. . SOs. rss San Francisco. .... Average (All Districts) Average | (tpr9- | 31010 | 1020 { 1921 1022 1023 | 1024 102%) Pr Ap T-—:v, Ev" -- rn Cnag5 EARNINGS | 1925 20.06 " 60 nn AR ¢y 60.74 70 22 | 71 46 1 73.06 | 72.54 79 ‘4 38.0 £6.7¢ 75.40 jo.5§ fo &2 74.54 68.74 64.80 73.37 73.00 70.48 *.99 2» 1! 7 2 ng. 84 (8'® 60.00 to 80.00 and over. For the first group, the modal amounts occur at group 70.00-72.50; for the second, at group 72.50-75.00. For the national members, the concentration extends from 62.50 to 75.00; for state members, from 67.50 to 75.00. In general, the amounts are higher for state than for national banks; this fact the frequency distribution and Tables 68 and 69 reveal. As to whether the ratios for given years and given districts for the state banks are higher or lower than those for national banks is not shown by Chart 20, nor is it apparent from the tables in the {orm presented. If ratios for the two types of institutions for the individual years and districts, are compared, it is found that (1) of the 84 ratios for the respective years and districts, the amounts are less for national banks in 75% of the cases; (2) for the three years 1020, 1922, and 1925, the ratios for national banks are lower than for state banks in ten of the twelve districts; (3) for every year they are lower in as many as or more than eight of the twelve dis- tricts; (4) in only one district (Philadelphia) are the ratios higher for national than for state banks during all seven years, while in three districts (Boston, Cleveland, and Minneapolis) the reverse is true; and (5) with the exception of Philadelphia, in each dis- trict the ratios for national banks were less than those for state members for at least four of the seven years. Judged, therefore,

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