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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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

XVI NORMS, TRENDS, AND CORRELATIONS IN TOTAL EXPENSE RATIOS [. INTRODUCTION IN this chapter an analysis is made of the ratios of total expense to earning assets for the member banks in the First and Second Federal Reserve districts. The data from the First district cover the entire membership, bank by bank, for the years 1922-19235, inclusive; those for the Second district relate to a sample of 280 individual banks for the years 1923-1923, inclusive.! Both sets of data were reported in the form of ratios, the amounts each year, together with other relevant data for the same institution, being separately distinguished. 2. NORMS AND TRENDS IN TOTAL EXPENSE RATIOS (1) Member Banks in District 1—Boston The average ratios? of total expense to earning assets for the member banks in District 1, classified by years and by size of city in which located are shown in Table 161. The lowest ratio for the entire district is 4.07, in 1922, and the highest, 4.23, in 1925. For banks in the several groups of cities, the ratios tend to increase in amount as the cities increase in size until the popu- lation reaches 120,000. In this group the ratios are somewhat lower each year than are those for banks located in cities with population of 40,000 to 120,000. This table shows that the average ratios vary according to years and to the population of the city in which the banks are located. An alternative method of presenting the data is illustrated in Table 162, the bases of classifying the banks being years and volume of earning assets. The table shows that, except for two 1 Except for certain substitutions; see page 299. * Obtained by adding the ratios and dividing by the number of banks.

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