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

[O02 BANKING STANDARDS direction and amount in the various districts for the two classes of members? It is, of course, apparent that if certain amounts are above an average, other amounts entering the average must be below. But it is neither apparent nor necessary that the direction of change must be coincident in time for the various districts with respect to one type of banking institution, nor is it required that the times and direction of change in two classes of banks must coincide. [f the directions of change from year to year in district ratios of total expense to gross earnings for national and for state banks are compared, it is found that (1) the national and the state ratios for the same districts agree in 46 out of the possible 72 direction-changes—six for each of the twelve districts between 1919 and 1925; (2) from year to year approximately an equal number of national and of state bank district ratios recorded the same type of change; (3) in none of the separate districts are the disagreements more numerous than, and in only three as numerous as, the agreements; (4) for the respective year-to-year changes, with the exception of those between 1921 and 1922, a clear majority of both ratios for the same districts agree as to the direction of change; and (5) the percentage amounts of change in the ratios for the two groups of banks vary directly with each other. That is, large positive or negative percentage changes in the district ratios for national bank members are positively cor- TABLE 72 NuMBER OF DistrIcTs WITH RATIOS OF TOTAL EXPENSE TO GROSS EARNINGS FOR NATIONAL BANKS AND FOR STATE BANK AND Trust CoMpaNY MEMBERS INCREASING OR DECREASING FROM YEAR TO YEAR, IQIQ-1Q2§ YEARS 101—I1020.. +. ++... [QIOTOZE. evr vrnnn. (9211022. ver rse- . 19221023. ven vrvennn. Jolie or 1024—1025. . SR INCREASING DECREASING National Ranks State Banks and Trust Combanies National Ranks State Banks and Trust Companies 3 0 [O I0 2 6 7 6 8 7 4 J 9 2 5 ” 5 h Y 5 5 r 2 “

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