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 DEPOSITS 103 earnings. In summary, then, it is seen that relatively high time deposits, in relation to earning assets, are associated with low gross earnings, high total expense, and low net earnings; and that relatively low time deposits accompany high gross earnings (the relation is not marked), low total expense, and high net sarnings. But variations in ratios of the total expense and of the earnings of banks individually or collectively are, of course, attributable TABLE 116 CorrRELATION OF DisTRICT DEVIATIONS OF RATIOS IN PAIRED SERIES (Percentage Deviations from the Respective District Averages, Period 1910-1925) INDEPENDENT VARIABLE—Ratios of Time Deposits to Earning Assets Dictanra from Average Position Percentage | Groups Average Percent. age Total bya 02 Above jo and over... roto 30..... '0t020...... Tnder vo 1'34.79 {-22.08 L14. 70 Realow nder 10.... otozo..... oto 30..... io and aver. Total... Number of District. Years DePENDENT VARIABLES—Net Average Percentage Gross Earnings to Earning Assets Total Expense to Earning Assets Total Expense to Gross Earnings Net Earnings to Earning Assets rw ds ~< te ~~ i to conditions other than variable amounts of time deposits. This fact is apparent so far as groups of banks are concerned, from the detail in Table 117, account being taken of the effect on ex- penses and earnings of variable ratios of time deposits and of investments. The amounts in this table indicate that (1) gross and net earnings ratios are highest in districts having both time deposits and investments low, while total expense is highest in districts with time deposits high and investments low; (2) gross earnings and total expense are lowest in districts having time deposits below and investments above their respective district levels, while net earnings are lowest in those in which both time deposits and investments are relatively high; and ( 3) relatively large ratios of time deposits and of investments are conducive

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