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

NORMS AND TRENDS IN EXPENSES 105 ratios essentially agree as to the years which are “low,” “mod- erate,” and “high,” the percent- age deviations from such levels for the respectives ratios being positively correlated; (3) the year-to-year changes in the ra- tios for the respective groups of banks are coincident with re- spect to time, and positively correlated with respect to direc- tion and amount; and (4) the positions of the district ratios for the two classes of banks, relative to their respective yearly levels for the country as a whole, coincide as to time and vary directly as to amount. A graphic picture of the rates of change from year to year of the district ratios for all member banks, for national banks and for state bank members, is given in Chart 21. The manner in which it is drawn is as follows: TABLE %% Disagree 1. The vertical positions of the lines for the different types of banks and for the total membership for each district, and also for the several districts, have no significance when compared with each other, the respective lines being drawn so as to reduce as much as possible any overlapping. This was accomplished by beginning the lines for each district equally distant apart in 1919. Accordingly, the relative size of the ratios is #zo¢ indicated. It is the relative rates of change, indicated by the slopes of the lines, which are shown for the banks in each district, the percentage amounts of increase and of decrease being drawn to the scales shown on the right-hand side of the chart. 2. The short lines at the left of each district indicate the seven- year average ratios for the types of banks to which they apply— the distances above or below such lines, for the respective types of banks, indicating the percentages by which the ratios for the different years are greater or less than such averages. From the chart it is apparent that (1) there is marked uni-

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