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

28 BANKING STANDARDS TABLE 87 Ratios oF NET EARNINGS TO Gross EARNINGS IN ALL MEMBER Banks, FEDERAL RESERVE SYSTEM, BY YEARS AND BY FEDERAL RESERVE DISTRICTS FEDERAL RESERVE DISTRICTS Average (All Districts) Boston. . . .. New York... . awa gee Philadelphia. . .. cow Cleveland...... Pp Richmond. .... ves Atlanta.......... FN Chicago. ...v.vvvvvvrenanes St.Louis... vveiinenr inne Minneapolis......... ....... Kansas City. ......covveeen. Dallas.......... # ost 8 $ihon » San Francisco... eee \verat I191Q~ 1925) Ramr-= re Nor EARNINGS TO GROSS T wNINGS 1919 | 1920 | 1021 | 1922 | 3923 1925 30.20 | 32.10 22.00 30.70 ¥ 30.70! 20.30 * 28.00 ' 28.40 0.40 3.60 "6.60 0.40 9.60 “.8 T.30 9.40 0.10 24.30 29.80 26.10 32.70 33.80 35.80 32.40 ‘0.80 31.10 “0 "0 - 2 Rr ££. '3.60 2.80 13.20 35.00 37 20 © =o a 0 30 ~0 34.3 aif age 3 .60 2.90 30 ~9 20.00 35.20 38.50 30.80 19.90 6.80 20.40 "2 50 ~ 30 20 . bo 6.10 27.10 33.60 37.30 31.00 3¢.30 2? Ro ~~ R- J7.20 31.40 35.80 27.90 20.10 €.90 - ne gn a: gL 22.80 28.90 32.30 34.70 28.30 17.30 9.10 '§.20 7.40 19.30 "2.40 20.00 2.40 2r 2 C T.40 22 .Q0 sL.:0 «7,20 banks for the period 1919-1925, inclusive, the average amount of net was $30.20. That is, approximately $70 was paid in the form of operating expenses, leaving $30 as net earnings. The largest net relative to gross earnings, for the membership as a whole, was received in 1920, the amount being $32.90; the small- est, $28.00, was in 1924. Based upon the entire period as a unit, the highest amount $36.60, was received by banks in Philadel- hia; the lowest, $20.10 by those in Minneapolis. By districts, therefore, there was a range of $16.50; by years, one of $4.90. But yearly averages for the respective districts vary widely from those for all districts combined, as they do from the seven- year average amounts for individual districts. During the seven years, the highest yearly ratio, 38.50, occurred in Philadelphia in 1922; the lowest, 16.10, in Minneapolis in 1923. It is difficult, therefore, accurately to represent the ratios by an average. A frequency distribution of the 84 ratios will be of assistance in visualizing the amounts given in Table 87. Such a distribution, as that shown in Chart 35, while it has the defect of obliterating yearly and district variations, is help- ful in throwing into relief the typical or modal ratios, the range over which they extend, and the manner in which they are dis- tributed. Specifically, this chart indicates that (1) the most common ratios fall in the group 25.00-27.50; (2) the range

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