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 57 of total deposits—the ratios being prevailingly lower each suc- cessive year—the downward movement from year to year was larger for districts in the years in which the percentages were high than for those in which they were low—high and low being determined by the average district levels for the seven years. That is, there appears to be a tendency for the ratios to seek a level, this tendency being a function of their dispersion about the seven-year average. 4. THE RELATION OF TIME DEPOSITS TO EARNING ASSETS AND TO TOTAL DEPOSITS The total deposits of member banks in the Federal Reserve system, as used in this study,!® consist of the combined demand and time items. The discussion in Section 3, immediately pre- ceding, had to do with an analysis of the demand items, measured in different ways, in the different districts for the years 1919 to 1925, separately and combined. The following section is con- cerned with a study of the norms and tendencies in the time deposits. (1) Ratios of Time Deposits to Earning Assets According to Table 41, which gives the ratios of time deposits to earning assets for all member banks by districts and years, the average for the combined years for all districts is 28.03. The corresponding amount is 19.01 in 1919, and almost double this, 34.88, in 1925. The smallest percentage for the combined years is 15.08, for Dallas; the largest is 43.01, for Minneapolis. Wide differences exist in this series. The individual amounts range from 8.74 (for New York, in 1919) to 50.98 (for San Francisco in 1925). If the 84 ratios—seven for each of the twelve districts —are distributed into frequency groups, as is done in Chart 11, more of the percentages fall in the group 20-25 than at any other place, as the groups are set up, although there is concentration of instances at groups 30-35 and 35-40. Indeed, these two groups contain one-third, and the limits set by 20% and 40% contain two-thirds of all of the ratios. Chart 11 pictures the distribution of the ratios when the period 1019-1925 is taken as a unit. Even a casual inspection of Table 10 See page 32.

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