£20) 
BANKING STANDARDS 
CHART 28 
DistriBUTION OF YEARLY DistrIcT RATIOS OF TAXES TO EARNING 
AsseTs, ALL MEMBER BANKS, 1919-1925 
(Ratios based on $1,000) 
10 
Per Cent 
15 
r 
Groups 
D 
2.00 and under 2.50 
2.50 and under 3.00 
3.00 and under 3.50 
3.50 and under 4.00 
4.00 and under 4.50 
4.50 and under 5.00 
5.00 and under 5.50 
5.50 and under 6.00 
6.00 and under 6.50 
6.50 and under 7.00 Tiki 
1.00 and under 7.50 e 
20 
25 
LI - 
Number 
of 
Casos 
a. 
) 
5 
13 
le 
19 
1 
8 
> 
Moreover, the district and yearly amounts vary. If the 84 
separate amounts, twelve for each of the seven years, given in 
Table 79, are distributed as in Chart 28, it is found that (1) the 
most common or modal amounts fall in the group $4.50-$5.00; 
(2) 63% of them occur within the limits $3.50 to $5.50; and (3) 
they range by groups from $2.00 to $7.50, the smallest actual 
amount, $2.39, being paid in New York in 1923, and the largest, 
$7.49, by Dallas in 1921. 
But in Chart 28 no account is taken of the separate years and 
districts. Differentiation is necessary if the norms and trends 
characteristic of the amounts are to be discovered. The most 
satisfactory manner in which this can be done is by using a 
graphic figure such as Chart 29. This chart illustrates, among 
other things, the relation of the amounts each year in each district 
to the average for the district and for the country, and also shows 
the rates of change from year to year and over the whole period 
1919-1925. It makes it easy to observe the following norms and 
trends: