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

202 BANKING STANDARDS TABLE 124 NUMBER OF DIsTRICT-VEARS IN WHIicH MEMBER BaANKs HAp RATIOS oF Time Deposits AND Ratios oF TOTAL EXPENSE, DEVIATING CLASSIFIED PERCENTAGE AMOUNTS FROM DISTRICT AVERAGES, 1919-1925* RATIOS! Time Deposits to Total Deposits (Percentage Differences) Position Amount RATIOS: Total Expense to Gross Earnings (Percentage Differences) . i p—— Abhnere 6.00 4.00 2.10 and to b 7% | Under over 6.00 aan 2:00 Below 2.7) 4.00 6.00 Under te to | and 2.00 4.00 6.00 over 20.00 and over ADOVE 10.00 to 20.00 € Under 10.00 Under 10.00 Below 10.00 to 20.00 20.00 and over] a *Boston district a=r1010; b=1020; c=1921; d=1022; e=1923; f=1024; §=1925 little balance is left for profits. When, however, the proportion of savings deposits exceeds 75% of all deposits, earning power again begins to increase because under such conditions it is not necessary to maintain a large clerical organization.”*® The type of association between net earnings and time de- posits found for the classified member banks in the Boston dis- trict is paralleled by member banks for the country as a whole, in spite of differences in bank location and size and of the fact that in the present analysis member banks in a given district are treated as a single institution. Positive correlation between ratios of total expense to gross earnings and of time deposits to total deposits, for the member banks in the Boston district treated as a single institution and for the member banks in all districts similarly treated, for each of the years 1919 to 1925—one pair of ratios for each year—is "16 Curtiss, op. cit., Report for 1924, pp. 1-2.

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