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

Usage license:: Get license information via the feedback formular.

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 113 trends, but these will be more readily seen by consulting Chart 25. Summarized, they are as follows: Norms 1. The amounts in all districts in 1919, 1920, and 1921 are below, in 1923, 1924, and 1925 above, and in 1922 predominantly above, the respective seven-year district averages. That is, years which are low or high in one district are low or high in others. To this general rule, the exceptions—four in number and oc- curring in 1922—do not relate to any one geographical area. 2. The amounts in Districts 3, 5, 6, 8, and 11 (Philadelphia, Richmond, Atlanta, St. Louis, and Dallas) are below the country’s average, while those in Districts 4, 9, and 10 (Cleveland, Minne- apolis, and Kansas City) are above this level for each of the seven years. Those in the other districts are at times above and at times below the country average. It is of interest to note, how- ever, that “high” or “low” districts are not generally contiguous, and that for contiguous districts the amounts which are continu- ally above or below the country average for the seven years do not show similar dispersion. Trends 1. For the country as a whole, and almost without exception for the separate districts, the trend of interest on deposits, ex- pressed in units of earning assets, was upward from 1919 to 1925. For the twelve districts combined, and in eight of the twelve districts separately, there was a slight downward trend between 1919 and 1920, but this was interrupted in 1920, so that for the balance of the period all but five of the year-to-year changes were upward, the exceptions being those in Boston and New York in 1923 as compared with 1922, Dallas in 1924 as compared with 1923, and New York and Minneapolis in 1925 as compared with 1924. 2. For all districts combined, and almost without exception in each of the separate districts, the upward trend was greatest be- tween 1920 and 1922. Moreover, it was generally least between 1922 and 1923, although to this generalization the 11.63% in- crease for Dallas and the 3.92% decrease for New York are con- spicuous exceptions.

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