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

QA BANKING STANDARDS TABLE 168 CoMPARATIVE MEASURES OF REGRESSION TO TYPE FOR RATIOS OF TOTAL ExPENSE To EARNING AssETS, MEMBER BANKS, BosToN FEDERAL RESERVE DISTRICT, 1922-1925 (Percentage Differences from Yearly Averages for all Banks. See page 293.) aerate —_— PERCENTAGE DIFFERENCES: {First Year of Each Pair of Years) All Pairs ' 1922 and 1923 |} 1923 and 1924 1024 and 1925 Second Second Second wear year year less mbes less |Number| Jess an than than rst First First | yom. Rm, — an DIFFERENCES BY PAIRS OF YEARS rem Number Position Groups ! Average ¢o and over 24 30 and under 40 34 20 and under 30 ! 108 10 and under 20 102 TTnder To ® 5 Above -~11.8 } - 7.11 3 -— e 4 TF -, 2 —-—0 7 -7.% le 2 s | ' —14.3 —- 5.0 —- 6.6 - 1.7 - 0.06 Under 10 ro and under 2¢ 20 and under ar 30 and under - 40 and over r » - ~o . 5 . + 2.4 + 3.8 + 2.3 + 3.9 + 4.3 42.0! 107 | +2.0) 210 | + 2.9 Below Aversa 0 10% *The signs relate to the prevailing changes in the ratios themselves compared with the averages in the frst and second vears, minus {(—) indicating that the ratios decrease, and plus (+) that they increase. did the ratios of the same banks in the first year deviate from the averages for that year. The signs show the fact, and the figures the amounts of regression to type—type in each year being the average for the entire group of banks. Third, that the greater the deviation, plus or minus, of the ratios from the general aver- age in the first of each pair of years, the greater the amount of regression to type in the second of each pair of years. The lat- ter fact is indicated by the sizes of the differences “Second year less than first year,” which, it will be noted, increase without exception for all pairs of years, and generally so for each separate pair, with the dispersion of the groups in the first years. Briefly, and in summary, Table 168 shows that the percentage amounts of change are positively correlated with the percentage amounts of dispersion from type. A similar phenomenon was observed in Part II, in the analysis of district ratios. It was there shown that district ratios of total expense which, in a given year, are above their own seven-year average level tend to decrease, and that those which, in a given year, are below their own seven-

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