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 NET EARNINGS 149 mentioned. Whatever details are omitted the reader can supply for himself, but his interpretation, as ours, must be made in the light of the manner in which the chart is constructed.” With these facts in mind, the following general conclusions may be drawn from Chart 37: 1. While the rates of change from year to year and over the whole period 1919-1925, for the two groups of banks, are more alike within than between districts, there is in general for both types in each and in all districts, (1) a decrease between 1919 and 1925, (2) a more rapid decrease in the earlier than in the later years of the period, (3) reversals of direction and rates of change from year to year, (4) more rapid rises and falls in state than in national members, and (5) an accelerated fall especially in state banks between 1920 and 1921 or 1922. 2. The rates of change from year to year and over the whole period are relatively least for both sets of institutions in New York, Philadelphia, Cleveland, Chicago, and St. Louis; from year to year they are relatively greatest in Atlanta and Kansas City; and over the whole period they are most pronounced in Minneapolis and in San Francisco. 3. The greatest decline occurred between 1920 and 1921, the rates for state banks being largest in Richmond, Kansas City, and Dallas, and those in all districts, except Boston and New York, following the prevailing movement. Between these two years, the rates for national banks, except Boston and Philadelphia, declined in all districts, the decline, however. being generally less than for state members. At various places in the foregoing discussion of net earnings for all member, for national, and for state member banks, out- standing norms and trends have been briefly summarized. It is unnecessary to repeat what has already been said. It will suf- fice, as a closing word to this chapter, to call the reader’s atten- tion to the fact that, in the matter under discussion, substantial uniformities obtain, and that the chief purpose of the study is to point them out, to express them quantitatively, and if possible to explain their occasion and significance. 7 See page 21.

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