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 45 tions of change from year to year are studied for ratios classified according to their positions with respect to their levels in the first of each pair of years, it is seen that (1) those which are high in a first tend in the following year to fall, and those that are low in a first, tend in the following year to rise; and (2) the net percentage amounts of rise or fall vary directly with the percent- age amounts of dispersion of the ratios from the seven-year levels in the first years. The first fact for the 72 year-to-year changes—six for each of the twelve districts—is summarized in Table 30. The predominant tendency is for percentages which are high to decrease; for those which are low, to increase. That is, there is regression to type, all but 12 of the 72 ratios following this rule. TABLE 31 COMPARATIVE PERCENTAGE AMOUNTS OF DEVIATION FROM DISTRICT LEVELS AND NET YEAR-TO-YEAR CHANGE IN RATIOS OF DEMAND Drrosits To EARNING ASSETS DIFFERENCES FROM DISTRICT AVERAGES, 1919-192§ Sign Number of Cases a Percentage Groups Average 5.00 and over 4.00 to 6.00 2.00 to 4.00 Inder 2 an Under 2.00 2,00 t0 4.00 4.00 to 6.00 6.00 and over Average Average Percentage NET PERCENTAGE CHANGE FROM YEAR TO YEAR T —~ 16 06 81 2 ob 3 t. 05 46.00 +2 .60 The tendency in the ratios for the net percentage amounts of change to vary directly with their percentage amounts of disper- sion from the district averages is shown by direction and amount in Table 31. This tendency, so apparent for the ratios of demand deposits to earning assets, was not found for ratios of total deposits to earning assets, although it held for the ratios of loans and discounts and for investments to earning assets, the trend in the former case being upward from 1919 to 1921 and downward

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