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

16 BANKING STANDARDS from 1921 to 1925, and in the latter case the reverse. The trend in the ratios of demand deposits to earning assets was generally downward to 1921 and upward for the remainder of the period. The tendency discovered, however, is not a function of long-time trend alone. It is rather a function of year-to-year trends, the same being determined for ratios classified with respect to the nature and amount by which they deviate from their respective seven-year district normals. The positions which the ratios occupy each year, and for the period covered, relative to the averages obtaining for the country as a whole, are also of interest. These are given in Table 32. An inspection of this table shows that the respective positions of the districts, relative to the country level, are the same for all of the years being studied. Boston, New York, Kansas City, and Dallas are invariably high; the others are invariably low, 1919, for San Francisco, being the only exception. The degree of con- sistency in this case is greater than in the case of the ratios of total deposits to earning assets. In the latter instance, in only four districts were the ratios on a given side of the average for all of the seven years; in the former, consistency, with one excep- tion, is complete, as is illustrated in Table 33. Of course, a distribution of this sort is not fortuitous. The fact that the deviations are taken plus and minus from the country’s average does not make such alignment necessary. The TABLE 32 PERCENTAGE DIFFERENCES OF DISTRICT AVERAGES OF RATIOS OF DeMAND Deposits TO EARNING ASSETS FOR ALL MEMBER BANKS, FEDERAL RESERVE SYSTEM, FROM AVERAGES tor THE COUNTRY AS A WHOLE Drpovi pans ~~ —wrAps PROM TET OS Ayraerm— == AVERAGES FEDERAL RESERVE DisTRICTS Boston. ..... New York... Philadelphia.. Cleveland.... Richmond... Atlanta..... | chicago. .... St. Louis. . .. Minneapolis... Lansas City. Dallas....... San Francisco Average (1010-25) fro -14. -18.0 -1 - =2 + 9.80 +10.93 ~10.00 1010 l 1920 1921 . fH.o0 fro. _— rr ~IX.5f 14.2" +4 -.c +r. + 1.x + ~ ” 9. + 1.08 ¥ +... -— 3 BA -—T2 22 1022 1023 I 1024 1025 + 82 4-22.07 - 6.72 —-1€.1¢0 —-21.44 -_. .02 -— B + ~,6" +14. 1 — 6.10 + .8 +1 95 - A —16.¢° —-19. 4A; —- . —-10.42 —-22.82 +10.58 +22.49 - 0.52 + 4.18 +17.6x —12.72 -20.13 20.23 - 3.35 - 8,71 - 8.02 ~18.59 +321.63 +30.39 -—13.00 »- - +1y.43 -—12.%74 -_ 0

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