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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Document type:: Monograph

Structure type:: Chapter

Title:: Part III. Correlated series for all Member Banks by districts

Collection:: Economics Books

py BANKING STANDARDS TABLE 102 CORRELATION OF DisTRICT DEVIATIONS OF RATIOS IN PAIRED SERIES (Percentage Deviations from the Respective District Averages, Period 1019-1925) INDEPENDENT VARIABLE—Ratios of | Total of Demand and Time Deposits to Earning Assets Distance from Average Position Percentage Groups Average Percent- age Total. — A. 67 Above QaANA OVer.....c.ovuevan OID Oicowmes ssmssrne BIB. uu eo imssmmennme Underz.............. I.29 7.74 4.54 Af Below Jnder 3... - ‘ww ww t06. coven PO smi mms me oandover.............. Cc QO Total. . i Number of District- Years 42 7 4 a ? DEPENDENT VARIABLES—Net Average Percentage —— Gross Earnings to Earning Assets Total Expense to Earning Assets Net Earnings to Earning Assets — 0 Q + 0 %4 - 5.26 1 ~ Bd 2 4 2 + + + 1.28 — 8.10 — 9.15 — 5.04 — 3.12 I! +10.10 + 2 48 4 42 + 3.66 re + “+ 0.79 + 6.13 gross earnings and of net earnings are low—that is, below the corresponding levels—and that when they are low, the ratios for both of the other series are high. These are the net results for the districts with high or low total deposits. Moreover, for every classified dispersion group, except two, this inverse condition obtains. While the relations between positions are inverse, those between percentage amounts of difference are direct. That is, the more the total deposits deviate from type, the more widely do both gross and net earnings for the same districts vary from normal. When the deviations from the district levels for total expense are paired with corresponding deviations for total de- posits, the relation of the positions, rather than being inverse, as is the case for gross and for net earnings, is moderately direct, high total deposits being generally associated with high total expense, and low total deposits with low total expense. When the directions and classified percentage amounts of year- to-year changes in gross and net earnings and in total expense are correlated with similar changes in total deposits, it is found that with all decreases, and with increases of less than 4% in ratios of total deposits, the net direction of change for the related series is upward, no exceptions being found for the groups for gross earnings and for total expense and for only two groups for net earnings. Increases of 4% and more in the ratios

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