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

Collection:: Economics Books

TV NORMS AND TRENDS IN DEPOSITS I. INTRODUCTION IN this chapter the deposits of all member banks in the Federal Reserve system are referred to as total deposits, demand deposits, and time deposits. By total deposits are meant the combined de- mand and time deposits.! Demand deposits are those payable within 30 days; time deposits, those payable after 30 days, and include all savings accounts, certificates of deposits which are subject to not less than 30 days’ notice before payment, and all nostal savings deposits. The data for each deposit classification for each year are averages made from the amounts reported for December 31 of the preceding, and for June 30 of the year in question, as reported in the Federal Reserve Bulletin. 2. THE RELATION OF TOTAL DEPOSITS TO EARNING ASSETS From the total deposits and earning assets for all member banks in each district for each of the years 1919-1925, the percentage amounts in Table 17 have been obtained. For the combined years and districts, the average percentage is 85.68. From this figure, however, there are variations peculiar to the separate years and to the individual districts. The frequency grouping in Chart 5 indicates the range through which the percentages extend and the amounts around which they cluster. The modal percentage of total deposits to earning assets falls in the group 81-84. The actual percentages range from 74 to 101, 67% of them, however, falling within the group-range 78-go. The amounts are fairly evenly distributed about the modal or most common group, there being a tendency, however, for the amounts to “tail off” to the higher levels. L «Total deposits” as used by the Federal Reserve Board include, in addition to demand and time deposits, the following amounts: “Due to Federal Reserve banks; Due to banks, bankers, and trust companies; Certified and cashiers’ or treasurers’ checks outstanding; and United States deposits.”

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