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

Collection:: Economics Books

NORMS AND TRENDS IN DEPOSITS 37 go% went higher and 10% went lower in the following year; con- trariwise, of the 42 which were low, 71% rose and 29% fell. The general tendency was for the percentages over the whole period, from year to year, to increase. With respect to the second question—are the year-to-year changes functions of the distances above or below the long-time levels?>—the evidence is conflicting. The direct relation between the percentage amounts of dispersion from the seven-year level and the net percentage amounts of change from year to year, so striking for ratios of loans and discounts and for investments to earning assets, does not hold for the ratios of total deposits to earning assets. While all member banks in each district, taken as a unit, have their own yearly and periodic ratios of deposits to earning assets —these ratios being high or low for all or a part of the districts each year during the years 1919 to 1925, and moving upward or downward from year to year—the levels of the ratios for the several districts differ widely each year from the average level for the twelve districts combined. It is of interest to consider the level for each district for each year in order to see whether dis- tricts are consistently or sporadically above or below the country level. A summary of the facts in this respect is contained in Table 23. This table shows that consistency of position, with respect to TABLE 23 PERCENTAGE DIFFERENCES OF DISTRICT AVERAGES OF RATIOS OF Total Deposits TO EARNING ASSETS FOR ALL MEMBER Banks, FEDERAL RESERVE SYSTEM, FROM AVERAGES FOR THE COUNTRY AS A WHOLE FEDERAL RESERVE DISTRICTS Boston...... New York... Philadelphia.. Cleveland. ... Richmond. . . Atlanta...... Chicago. .... St. Louis. ... Minneapals. | Kansas City.. Dallas...... | San Francisco Average 1010-2" +c 84 -2.8 - x +1.9¢ +o0.90 —-1.69 +0.38 ~rarparAcT DirevepNCES ROM TEE ( ~UT 1010 .Q~ [Q2' 1031 —-— 43 = $9 F 6.0% --44 + 2.89 413.22 —4.58 +8.30 = +5 10 gl Parewa ~re -~ 68 of? " < 54 .00 —0.4$ —2.08 +8.7¢ 102¢ a2 16 ~o 1 a¥ 3 12 S-

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