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

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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

EXPENSES IN DISTRICTS I AND IJ 297 average for each group in 1922. (3) Add the ratios for 1923 for the banks falling in each of the groups in 1922, and divide by the number of ratios, thus obtaining a 1923 average for each group for which a 1922 average is secured. (4) Compare the two averages by subtracting the amount for the first from that for the second year. In order to cover all years, repeat these processes for 1923 and 1924, and 1924 and 1925; total the sums of the ratios and of the instances by groups for the three pairs of years, compute averages for the combined first years and combined second years, and compare the results by subtracting the amount for the first from the amount for the second years, By carrying through these several steps for member banks in the Boston district, the results in Table 170 are secured. They give direct and simple measures of regression, expressed in points of change in the average ratios between successive years, of the same types as those already found for the same body of data, but arrived at in other ways. All methods agree in indicating that, on the average, total expense ratios which are low in a given year tend to increase, and those which are high tend to decrease the following year, the amounts of the change, expressed abso- lutely or in percentage form, being positively correlated with the positions of the ratios on the expense scale. There is re- gression to type, the amount being largest for banks in “exposed TABLE 170 AVERAGE NET CHANGE IN RATIOS oF ToTAL EXPENSE TO EARNING ASSETS, BY PAIRS OF YEARS, 1922-1925, MEMBER BANKS, BosTON FEDERAL RESERVE DISTRICT YEARS RaT108: Total Expense to Earning Assets First Year of Each Pair of Years) and under and under , and under «4 and under : ; and under 6 > and under 7 + and over iumha- Total Second ears less _irst ton po ‘IT 6 1022 and 1022 Numkbe Second =a" less t te “0 1923 and 1024 Second “»ar less irst >. 0.4 -— 2 1924 and 102% Number Second =r less -st - ST to.x -0.3 -0.2 -_y A

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