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 II. Norms and trends in individual series for all Member Banks, by districts

Collection:: Economics Books

NORMS AND TRENDS IN EARNING ASSETS 15 year; and (3) the positions occupied by member banks in each district relative to those for all districts combined. We are also interested in the relations between changes in the relative com- position of the earning assets and other conditions of bank opera- tion, but this problem will receive attention later. It is the former matter with which the present discussion is concerned. 2. THE COMPOSITION OF EARNING ASSETS (1) Ratios of Loans and Discounts to Earning Assets If the ratios of loans and discounts* to earning assets for all member banks, by districts and by years, 1919 to 1925, are as- sembled into a single table, as is done in Table 3, considerable variation in the ratios is apparent. There are differences from year to year for each district, and from district to district for each year. Are there any consistencies or tendencies observable in the data? If the 84 ratios—7 for each of the twelve districts—are classified into frequency groups, as is done in Chart 1, a mode appears at 76% to 80%. Twenty-five per cent of all the ratios fall in this group. Relatively more fall below than above it, the dis- TABLE 3 RaT10S OF LoANS AND Discounts To EARNING ASSETS IN ALL MEMBER Banks, FEDERAL RESERVE SYSTEM, BY YEARS AND BY FEDERAL RESERVE DISTRICTS R aTIOR ne T.aane AND DISCOUNTS TO FARNING ASSETS FrpeEratr RESERVE DISTRICTS Average (All Districts) Boston. ..... New York. . Philadelphia. Cleveland... Richmond. . Atlanta..... “hicago. ... St. Louis. . .. Minneapolis... Kansas City. . Dallas. ........ San Francisen . \verage (1919- 1025) 72.00 (3.22 0.1¢ +4 ~ : Y2 Q7 1919 ! 60.32 13.12 10.08 7.59 1.66 79.14 59.0% 70.00 ww 6 ’ re 1920 1021 | 1922 1023 27%.07 6 OO ef 70.46 76.79 75.64 62.72 77° 18 52 rr 7° &- 70.90 66.92 s¢ °° * , 10 1024 { 1038 71.16 ° 60.60 71.63 68.02 60.52 66.094 3 Zs : 0 se. z . ’ & 7 EK X 2 y he pe a0 ¢ Hereafter, when the term “loans and discounts” is used it is intended to mean *loans, discounts, and overdrafts.”

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