Banking standards under the federal reserve system

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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 III. Correlated series for all Member Banks by districts

Collection:: Economics Books

SERIES CORRELATED WITH EARNING ASSETS 163 TABLE 99 NET PERCENTAGE YEAR-TO-YEAR CHANGES IN DIFFERENT RATIOS CORRELATED WITH POSITION AND DIRECTION oF CHANGE IN RATIOS OF LOANS AND DISCOUNTS TO EARNING ASSETS, 1919-1925 Mer Prr~yTAGE Vrar-Tn-V>1x CHANGES RATIOS: Loans and Discounts to Earning Assets Increasing From positions above District Average... .. From positions below Distnict Average..... Decreasing From positions above District Average... .. From positions below District Average Number of District Years Rarios: Gross Earnings to Rarnine Accate ~ of RaT108: Total Expense to Famine Acsets RaT108: Net Earnings o Earning Assets +3.58 +1.06 5.22 sg = = have upon the rate of increase in each of the three series when the district ratios, increasing and decreasing, are classified by their relative positions above or below the district levels. That is, the inquiry is of the following order: Knowing that the ratios in each of these series tend on the whole to increase when loans and discounts are increasing, and to decrease when they are decreasing, are these rates accelerated or retarded when at the same time the increasing and decreasing ratios, respectively, are classified according to their positions above or below the district levels? The answer to this question, for each of the three series, is found in Table gg, from which it is seen that conditions con- ducive (1) to the greatest percentage increase in each of the series is found when loans and discounts are high and increasing, and (2) to the greatest percentage decrease in gross earnings and operating expense when loans and discounts are low and decreasing. But further comparisons are of interest for series paired with loans and discounts. If ratios of loans and discounts to earning assets for given districts and years are higher than yearly average levels for the country as a whole, are other ratios for the same districts and years higher or lower than their respective country levels? Answer to this question for certain series is found in the details in Table roo, which indicate that (1) when loans and discounts are above, gross earnings and operating expenses

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