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

Usage license:: Get license information via the feedback formular.

Chapter

Document type:: Monograph

Structure type:: Chapter

Title:: Part V. General summary and interpretation

Collection:: Economics Books

INTERPRETATION 10% But District bank resources* tend to fluctuate with district bank debits; District bank debits tend to fluctuate with district business condi- tions; District banking resources tend to fluctuate with district business ~onditions. In summary, then, it may be said that if bank debits tend to Auctuate with general business conditions, and if bank debits by districts tend to fluctuate together, then general business by dis- tricts tends to move together. But district banking resources tend also to move sympathetically with district bank debits. Hence, banking resources by districts tend to oscillate with busi- ness conditions, and these oscillations are much the same from year to year over the period covered, in all of the various districts. Evidences of tendencies toward uniformity in banking and business conditions in the various districts are the net results of these several approaches to the problem. But the member banks, the expenses of which, by districts, are compounded into total or average figures for the years in question, are located in cities in these districts. Do the bank debits of different cities tend to fluctuate concurrently with those for all cities? The facts showing this to be the case are given in Table 198. Moreover, are bank debits of different cities generally above or below their own seven-year average levels at the same time that the bank debits of the 141 cities combined are above or below their corresponding level? The facts which indicate this to be the case, are given in Table 199. But to continue the line of reasoning: City bank debits tend to fluc- tuate with total bank debits;® Total bank debits tend to fluctuate with general busi- ness conditions; City bank debits tend to fluc- tuate with city business = conditions.® 4See Chart 52. This chart is drawn on a ratio basis. The debits for the respec- tive districts are the totals reported for the calendar years; the resources are the average total earning assets per member bank by districts for the months of June and of December. 5CQae Tahle 108

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