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 195 TABLE 118 CORRELATION OF YEAR-TO-YEAR PERCENTAGE CHANGES OF DISTRICT RATIOS IN PAIRED SERIES INDEPENDENT VARIABLE—Ratios of Time Deposits to Earning Assets Direction Amount of Change -_— 7 17 Average Percentage Percent- Groups ape Number of District- Years DEPENDENT VARIABLES —Net Average Percentage Change Gross Earnings > Earning crates Total Expense o Earning Aceate Net Earnings o Earning Accate T'atal Increase Decrease 's and over........ ‘oto xs... to ro... g (VT - Und-- NL and in total expense, and a net decrease (slight) in net earnings. For those in which time deposits increased by as much as or more than 10%, there was a net increase in all three series; for those with increases of less than 10%, the types of change for the dis- persion groups are less consistent. While the year-to-year changes in ratios of time deposits to earning assets were upward in all of the districts, except Minne- apolis between 1919 and 1920, the ratios of investments to earn- ing assets in some districts were increasing and in others decreas- ing from year to year. What were the net directions and changes in ratios of gross earnings, of net earnings, and of total expense in districts in which both time deposits and investments were increasing, and in those in which time deposits were increasing and investments decreasing? While on the whole, a net increase in gross earnings of 1.39% is associated with increasing ratios of time deposits, the rate is increased to 6.60% in the districts in which ratios of time deposits are increasing and ratios of in- vestments decreasing. On the other hand, gross earnings ratios show a net decrease of 3.40% in the districts in which ratios of both time deposits and investments increase. Not only are gross earnings ratios relatively low when time deposits and investments expressed as ratios are high,® but their average net change is downward when both of these ratios increase from year to year. The relations of increasing and of decreasing time deposit and 6 See Table 11%, page 194.

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