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

NORMS AND TRENDS IN EXPENSES 107 formity by districts between the rates of change in the ratios for all member banks, for national, and for state bank members; and (2) the rates of change in the ratios for the different districts are much the same. Both these and other similarities, previously pointed out, indicate the presence of distinctive norms and trends for the years 1919 to 1925. 2. INDIVIDUAL EXPENSES As indicated above, the total expenses of all member banks are segregated by the Federal Reserve Board into five classes.!* The norms and trends characterizing each of the items, when expressed in terms of earning assets, for the banks in each and all of the districts for the years 1919 to 1925, separately and combined are summarized immediately below. Limited space makes it im- possible to accord to each of them the same attention that is given to the total. Accordingly, tables showing for each item percentage differences calculated from the seven-year district levels, and from the yearly and seven-year country levels, and also those showing percentage changes from year to year, are omitted. Those who are interested in such amounts may secure them with approximate accuracy by using the respective ratio charts and the corresponding scales of percentage increase and decrease. (1) Ratios of Salaries and Wages to Earning Assets Based on the entire period 1919 to 1925, and on the experience of all member banks in the entire Federal Reserve system, the average amount of salaries and wages for each $1,000 of earning assets was $11.82. From this amount, however, yearly and dis- trict ratios differ considerably. While $11.82 is the average, the least amount for the combined years, $9.77, occurred in District 3 (Philadelphia), and the largest, $18.06, in District 11 (Dallas). Moreover, for the combined districts the smallest amount, $9.08, occurred in 1919; the largest, $12.94, in 1924. If the 84 amounts for the individual districts and years, given in Table 76, are distributed in frequency form, as in Chart 22, uniform groupings being used, and the lengths of the bars are drawn proportional to the number of cases encountered in each group, it is found that (1) the most common or modal amounts fall in the class $10 TM gee page 81.

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