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

128 BANKING STANDARDS centage was 1.82 for San Francisco; the highest, 2.36, for Dallas. While these amounts show considerable variation, they tone down the extremes which characterize the individual districts and years as shown in Table 81. TABLE 81 Ratios oF NET EARNINGS TO EARNING ASSETS IN ALL MEMBER Banks, FEDERAL RESERVE SYSTEM, BY YEARS AND 8v FEDERAL RESERVE DISTRICTS FEDERAL RESERVE DISTRICTS Average (All Districts) Boston. .... New York. . 2hiladelphia “leveland... richmond. . jtlanta...... “hicago..... 5t. Louis. . . . dinneapolis.. {ansas City. Dallas......... yan Francisco. ......... -1 TARNINGS TO TABNING ASSETS 1925 1.83 1.81 Average one 1019 | 1020 1021 | 1922 ro2x) Tpgrr-n oT 1.00 ve a ro ; Sr ry - <. AY < ~ “2 “a 5 A ~§ .60 [.04 2.26 -. 86 87 96 “3 X.75 1.00 2.16 1.02 1.76 2,07 57 .7¢ 1.26 1.66 2.19 1.¢6 ~ 92 _ 67 Deferring for the time being a consideration of the yearly and district differences, a general conspectus of the range, the group- ing, and the typical amounts can be secured by placing them, as s done in Chart 32, in frequency form. When this is done, it is seen that (1) the most common ratios fall in the group 1.90-2.10 —the group of which the average for the entire bank membership for the period 1919-1925 is approximately the center; (2) the amounts cluster about this center, the number of cases above 2.30 and below 1.50 being few; and (3) 71% of the instances are in- cluded within the group-range 1.70 to 2.30. If, for convenience, 2% is taken as the normal or typical ratio, then it may be said that, for the twelve districts for the years 1919 to 1925, inclusive, the amounts in 71% of the district-years fall within limits 15% above and 15% below this amount. But such a method of describing the ratios is incomplete be- cause it does not set out the district differences from the typical or average amount. Chart 33 is presented in order to do this. This chart is drawn as follows: (1) the ordinate, or vertical scale, shows the ratios of gross earnings, and the abscissa, or horizontal

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