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

BANKING STANDARDS is true for the paired districts as a whole tends, generally, to be true of them individually. 192 3. SERIES CORRELATED WITH RATIOS OF TIME DEPOSITS Section 2 of this chapter was concerned with an analysis of the relations between the ratios in various series of bank data and demand deposits expressed, first, as percentages of earning assets, and second, as proportionate parts of total deposits. Sec- tion 3 pertains to the interrelation of certain of these series with time deposits, use being made not only of data for all member banks as a unit in each district, but also of groups of banks in the Boston district. (1) Ratios of Time Deposits to Earning Assets In Chapter IV, section 4, the norms and trends of ratios of time deposits to earning assets and to total deposits were de- veloped in detail. While there is no occasion for repeating even in summary what has already been said in this connection, the major conclusions are germane to the present discussion. Our purpose now is to determine the type and amount of correlation between different banking series and time deposits, by the use of methods similar to or identical with those already employed. The first approach to this problem is to classify into suitable groups the percentage differences, plus and minus, of the district ratios of time deposits to earning assets from their respective seven-year district levels, and for each group, as classified, to determine the net percentage deviations of other ratios from their district averages, the districts and years in all cases being paired. The results secured for three series of data, as given in Table 116, indicate the following relations: (1) high and low ratios of gross and of net earnings are associated, respectively, with low and high ratios of time deposits—that is, the correlation is in- verse; (2) high ratios of total expense in terms of earning assets and of gross earnings are associated with high ratios of time deposits, and low ratios of total expense with low ratios of time deposits—that is, the correlation is direct; and (3) the larger the variations of time deposits from the district levels, the larger the variations, direct or inverse, in the other series, such relations being particularly systematic for ratios of total expense to gross

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