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

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Chapter

Document type:: Monograph

Structure type:: Chapter

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

Collection:: Economics Books

SERIES CORRELATED WITH DEPOSITS 181 (4) districts with demand deposits increasing and with loans and discounts decreasing from year to year have the greatest decreases in gross and net earnings and in total expense. The increases in these ratios are highest in districts with ratios of demand deposits decreasing and with loans and discounts increasing. But demand deposits may also be measured in terms of total deposits, and with their variations from type and changes from year to year similar variations and changes in other series may be correlated. A study of this nature follows. (2) Ratios of Demand Deposits to Total Deposits The deviations of the district ratios of demand deposits to total deposits for the several districts and years, when meas- ured by percentage group-amounts, plus and minus, from the respective district levels for the period 1919-1925, are contained in the stub classes of Table 111. If, for the ratios thus classi- fied, the net percentage dispersion is determined for related series, corresponding districts and years being paired, the figures shown in the caption classes (the columns) are secured. It is these amounts in relation to variable ratios of demand deposits which may be observed for evidence of systematic association. [t is unnecessary to specify the relations for all of the series because they are generally apparent from an inspection of the table. Accordingly, attention is directed to those between varia- tions in demand deposits and in gross earnings, total expense, and net earnings, inasmuch as for these series comparisons are available with demand deposits measured in units, first, of 2arning assets,? and second, of total deposits. When district ratios of demand deposits to total deposits are above their respective levels, gross earnings and total ex- pense are below and net earnings are above their respective district levels. When demand deposits are below, relations the inverse of those just noted hold for each of the different series. Conditions similar to these were observed when demand deposits were expressed in terms of earning assets. In terms of both measurements, therefore, low gross earnings and total expense and high net earnings are associated with relatively high demand deposits, while high gross earnings and total expense and low 2See Table 106, page 1%6.

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