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 41 3. THE RELATION OF DEMAND DEPOSITS TO EARNING ASSETS AND TO TOTAL DEPOSITS For purposes of further analysis, deposits are separated into demand and time items.®* The amounts are then expressed as percentages of earning assets and of total deposits, and the norms and trends are studied. This section of the discussion has to do with ratios of demand deposits to earning assets, and to total deposits. The next section relates to time deposits similarly measured. (1) Ratios of Demand Deposits to Earning Assets The average® ratio of demand deposits to earning assets, for the seven-year period 1919-1925, for all member banks in all districts, is 57.65. This amount, together with the ratios for each of the separate districts, is contained in Table 23. When the yearly district ratios are grouped as in Chart 7, the modal or typical amounts fall in the group 48-52. There is, however, concentration at the amounts 60-64, in a range which TABLE 25 RATIOS oF DEMAND DEPOSITS TO EARNING ASSETS IN Arr MEMBER BANKS, FEDERAL RESERVE SYSTEM, BY YEARS AND BY FEDERAL RESERVE DISTRICTS FEDERAL RESERVE DISTRICTS Average (All Districts) Boston. .... New York. . Philadelphia Cleveland... Richmond. . Atlanta.... Chicago. ... 5t. Louis. ... Minneapolis. Kansas City Dallas. .. I San Francisco... \verage ‘1919- iqaac) ry fe €, of : _ RATIO DEMAND or DEPOSITS Tr FARNING ASSETS pom I rrr —— —————— I91Q 1920 1921 1022 | 1023 | 1024 10326 ee EER Sew Re Ra en ep ca mr gy .22 6.26 56.02 57.88 - 40 66.12 68.14 56 28 60.83 66 14 53 £» rt 4 62. 2¢ 69.8€ 53.38 48.02 14.96 se 60.01 65.33 s7.78 + 46 60.22 67.71 £I.QI $7.50 ts 26 60.30 68.07 50.52 46.23 46.17 ef oo fy “4 ..k2 "40 om Ir - wv FF Yr - Ya 3a O4 ya. 50 5 For definitions of these terms as used, see page 32. ® Weighted. Obtained by dividing the total demand deposits of all member banks in all districts for the years 1919-1925 by the total earning assets of such banks for the same years and by multiplying by 100. (The amounts for both numerator and denominator each year are the averages of the amounts reported on December 31 of the year preceding, and on June 30 of the year in question.)

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