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 191 others which may be observed from the tables in this chapter, but the following generalizations may be of some service in this respect. 1. Yearly district ratios of gross earnings and of total expense are generally low, relative to their respective district seven-year levels, when district ratios of demand deposits to total deposits are high with respect to their levels, and generally decrease from year to year when demand deposits increase. Inverse relations obtain when demand deposits are low and when they are decreas- ing. The same respective relations obtain when demand deposits are measured in terms of earning assets. 2. Yearly district ratios of net earnings are generally high, relative to their respective seven-year district levels and to their respective yearly country levels, when district ratios of demand deposits are high. 3. Ratios of gross earnings and of total expense to earning assets are lowest in districts in which ratios of demand deposits to total deposits are high and ratios of loans and discounts to earning assets are low. Ratios of net earnings to earning assets are lowest in districts in which ratios of demand deposits to total deposits and of loans and discounts to earning assets are low. Conversely, ratios of gross earnings and of total expense are highest in districts in which ratios of demand deposits are low and loans and discounts are high, while ratios of net earnings are highest in those districts having high ratios of both demand de- posits and loans and discounts. The relations between demand deposits as ratios of total deposits and gross earnings, total expense, and net earnings, respectively, expressed in terms of earning assets, are shown by districts individually and combined in Charts 42, 43, and 44. The bases upon which these charts are drawn and the manner in which they should be interpreted are described in Chapter VIII. The norms and trends of each of the series separately have already been summarized. The charts are designed to show the similarity and the percentage amounts of the deviations of the yearly ratios from their respective district levels, and the nature and percentage amounts of change from year to year between the respective correlated series. They supplement the tables presented above, inasmuch as they show that whatever

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