2Q0 
BANKING STANDARDS 
TABLE 165 
NET PERCENTAGE YEAR-TO-YEAR CHANGES IN RATIOS OF TOTAL 
ExpeENsE To EARNING AssETs, CLAsSIFIED MEMBER BANKS, 
BostoN FEDERAL RESERVE DISTRICT, 1922-1925 
YEARS 
City-GroOUPS 
( Pobulation in 000’s) 
BYVEIHIR. cnnvinnvinmutnmes ~ > wy 
Underio........ooviveeevnnn. 
roandunder 20............. 
2o0and under 40............. 
4oand under 120.......00unnn 
120 and over Cee 
1922 to 1923 
“+2.21 
+4.19 ~+2.26 . +1.097 
+1.20 +2.86 —1.62 
+3.48 +1.44 %+0.00 
“+2.94 .—0.66 —0.22 
—2.76 +o0.08 +o0.47 
! 1924 to 1925 
“+0.47 
YEARS 
VoLuME-GROUPS 
(Earning Assels in 00.000’s) 
re ee ret —————————————— ett 
Average. .....covveve on, 
Onder Boe; coms snmrsssrennns 
sandunderro.............. 
roandunderzo.............. 
2oand under so.............. 
20 and over. .. 
BE da 
1022 tO 1023 
1023 to 1924 | 1924 to 1925 
+0.47 
+2.50 44.88 ‘“+1.29 
+4.29 +2.57 +1.75 
+2.65 +1.17 “+0.23 
41.85 41.36 =0.00 
41.28 —0.68 =0,00 
tions of yearly ratios are computed. The. several districts, in 
the district analysis, are geographically distinct, yet ratios of 
total expense to earning assets for banks within these districts 
respond in much the same manner as do those for banks in city 
and volume groups in District 1, to influences making for high 
or low expense ratios. 
The ratios for member banks in District 1 may with advan- 
tage be studied further. The form of analysis already presented 
classifies banks into city and volume groups, each having its 
own average ratio for the period of years 1922-1925, from which 
the yearly ratios similarly deviate at a given time. But the 
average ratios for all banks vary from year to year. Do those for 
the respective city and volume groups change from year to year in 
the same direction? Is the direction of movement consistent among 
the different groups as were the positions held by them at a given 
time relative to their own four-year level? An affirmative answer