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 IV. Norms, trends, and correlations of series in the Boston and in the New York districts by Member Banks

Collection:: Economics Books

274 BANKING STANDARDS group ratios to increase between 1924 and 1925, as shown in Table 1535, is not true of all the individual banks. Relative to the average in the first and in the second year, the ratios are widely dispersed, but in summarizing, bank by bank, the dis- persion in the two years it is seen that it is the ratios which are above the average in the first year which decrease (approach the average in the second year) and it is those which are below the average in the first year which increase’ (approach the aver- age in the second year). Forces are seemingly at work tending to establish an equilibrium or normal ratio of gross earnings to earning assets. But, as indicated in Table 155, each group of banks, as there classified, has its own average ratio of gross earnings to earning assets, the ratios, as already noted, tending generally to decrease as cities and volumes increase in size. Accordingly, if the yearly averages for the respective volume groups are taken as points of reference from which to measure variation, and if the deviations are treated in the same way as were those taken from the aver- TABLE 157 CoMPARATIVE MEASURES OF REGRESSION TO TYPE FOR RATIOS OF GROSS EARNINGS To EARNING AsseETs, MEMBER Banks, BosToN FEDERAL RESERVE DISTRICT, 1924-1925 (Percentage Differences from three different averages.) DIFFERENCES PERCENTAGE DIFFERENCES: (First Year of the Pair of Years) Position 1 Groups Average Above 40 and over 30 and under 40 20 and under 30 to and under zo Mondor i Below Under 10 10 and under 20 20 and under 30 30 and under 40 1 and aver LA Veraoce Yearly Averages of All Banks Number Second year less than First am ” I 4a 5 - 9 + 6.9 5 1 6 Yearly Averages of Citv-Grouns Number Second year less than First AY - oO —30.0 | —I10.0 —12.% — 4 9 39 Tr ~ + v.06 + 4.7 + 7.3 - + 2.7 Yearly Averages of Volime-Groups | Second year | less than First vear* Number TAR -_— a 8 4 4 9 a7 —20.0 = 7.5 —I11.X — 7.0 —- 169 [3 T4 + 1.0 + 5.1 + 7.1 242 + 2.2 *The signs relate to the prevailing changes in the ratios themselves compared with the averages in the first and the second years, minus (~) indicating that the ratios decrease, and plus (4) that theyincrease.

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