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

SERIES CORRELATED WITH EXPENSES 22° 2. TOTAL EXPENSE Let us begin our analysis by determining the percentage amounts and the directions by which the yearly district ratios in each of a number of series deviate from their seven-year aver- age levels, the classification of the districts being made according to the directions and percentage amounts by which their ratios of total expense deviate from their own seven-year average levels. This is the conventional form of analysis found in earlier chap- ters. That is, what is now done, in the case of total expense, is (1) to classify the percentage amounts by which the ratios in each district each year deviate from the respective district aver- ages for the years 1919-1925, (2) to total the frequencies, and (3) to compute for each dispersion group the average amount of deviation or difference. Such a summary is found in the stub classes (lines) of Table 138. For the districts having the re- spective classified deviations of ratios of total expense, the net percentage amounts of deviation in a number of series from their district averages for the period 1919-1925 are then calculated. Such percentage amounts by sign are shown in the caption classes (columns) of Table 138. It will be observed that the basis of selecting the districts in order to determine the net amount of deviation is the nature and percentage amount of their deviation in the matter of total ex- pense. In earlier chapters where an analogous method was fol- lowed, the basis of selecting the districts, in order to determine the type and net percentage amounts of dispersion of ratios of total expense, for instance, was the classified percentage amounts of dispersion with respect to loans and discounts, deposits, and 50 on. Our interest then was in the types and net amounts of deviation in total expense associated with variable amounts of deviation in other data; our interest now is in the types and net amounts of deviation in other data associated with variable amounts of deviation in total expense, the amounts, in all cases, being measured on a percentage basis. But what are the findings, given in Table 138, from such an analysis? Briefly, they are as follows: (1) In years and districts in which ratios of total expense to earning assets are high or low —that is, above or below the district levels for the period 1919-

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