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 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 II 311 are low or high, respectively. But the other things are not equal. It is the relations between gross earnings and total expense ratios which determine ratios of net earnings. And these are functions of variables with respect to both factors. Neither of them can be considered without respect to the other. The detail and averages in Table 183 refer to the entire bank- ing membership in the Boston district for the years 1924 and 1925, averages for the different volume groups for the respective years for both total expense and net earnings ratios being the standards of reference from which the deviations in the paired series are computed. But the relations found to obtain for the entire membership for the combined years hold for each year. Moreover, they are true for each city-size group for each year and for the combined years and for each volume group each year, the averages used as points of reference in order to deter- mine the deviations being those applying to the respective groups and years. That is, negative correlation seems to be independent of the period covered and of the manner in which the banks are selected. The rule is general. TABLE 184 CORRELATION OF DEVIATIONS OF RATIOS IN PAIRED SERIES—MEMBER BANKS, BostoN FEDERAL RESERVE DISTRICT, 1924 AND 1925 ‘Percentage Deviations from Respective Yearly Averages for the Respective Volume-Groups. See page 2%9.) Pnhcition A have Below [NDEPENDENT VariasLE—Ratios of Total Expense to Earning Assets Y-+ance from Average recente > anc over ‘0 and under 40 ‘= 2nd under 30 0 and under 2. Inder 10 Jnder 10 0 and under 20 ~ and under 3c nd under 4¢ wel er Average Darcantapa Number of Rank-Years DEPENDENT VARIABLES— Net Average Percentage Gross ‘arnings to ‘arning Assets Net Earn- ings to Earning Assets a 6B *+13.9 paired with net earnings. b<458 2 paired with net earnings. $302 for total expense paired with net earnings, 119 for total expense paired with net earnings.

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