Banking standards under the federal reserve system

Bibliographic data

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

196 BANKING STANDARDS investment ratios to the three series are summarized in Table 119, from which it is found that all three series (1) decrease when both time deposits and investments increase and (2) in- crease when time deposits increase and investments decrease. TABLE 110 NET PERCENTAGE CHANGES FROM YEAR TO YEAR IN RATIOS CORRELATED WITH CORRESPONDING CHANGES IN RATIOS oF TIME DEPOSITS AND OF INVESTMENTS TO EARNING ASSETS, 1910-1025 NET PrecENTAGE CHANGES FROM YEAR TO YEAR RATIOS: Time Deposits to Earning Assets RaTti0S: Investments to Earning Assets Number , of District- Years Ratios: Gross Earnings to Earning Assets | Ratios: | Total Expense to Earning Assets RATIOS: Net Earnings to Earning Assets re een Increasing Average 71 41.390 ncreasing | 37 —3.40 Decreasing 34 +6.60 iverage - —3.34 increasing | _— ee Decreasing 1 —3.34 Average 72. +1.33 Increasing 37 —3.40 Decreasing 35 46.32 +3.47 +o. " 56 R 40.56 — 0.89 — 4.42 + 2.96 —14.72 —14.53 Decreasing Average | ort —-_— 7 “+z — 4.42 + 2.46 One further type of comparison of the ratios of time deposits to earning assets with other statistical series should be made before closing this section of the discussion. It relates to the district ratios of time deposits relative to the average for the country as a whole. It is patent that if the ratios in certain dis- tricts are above, others are below this level, but it is not apparent that the districts with ratios above (or below) this level have gross earnings, total expense, and net earnings at the same time above (or below) the country averages for the respective series. From what has been said, however, it might be assumed, since ratios of time deposits to earning assets which are high relative to district levels, or which increase from year to year, tend to be associated, respectively, with high or with increasing ratios of total expense to earning assets, for instance, that districts in which the ratios of time deposits to earning assets are higher or lower than the country level would tend to have ratios of total expense to earning assets higher or lower, respectively, than the country level. But such is not the case for all districts holding

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