NORMS AND TRENDS IN DEPOSITS 50 
year averages vary widely. This is to be expected because of the 
fact that the ratios themselves are markedly different. How dif- 
ferent, is a matter for later consideration. 
The ratios shown in Table 41 merit further study. As noted 
immediately above, the amounts differ in the different districts. 
Moreover, they are generally low in some years and generally high 
in others. Are the directions of change from year to year con- 
sistent? An affirmative answer to this question is found in the 
detail of Table 43. To the general rule that from year to year in 
CHART 11 
DISTRIBUTION OF YEARLY DisTRICT RATIOS OF TIME DEPOSITS TO 
EARNING AssETs, ALL MEMBER BANKS, 1919-1925 
Percentage 
Groups 
5 and under 10 
10 and under 15 
15 and under 20 
20 and under 25 
25 and under 30 
30 and under 35 
35 and under 40 
40 and under 45 
45 and under 50 
50 and under 55 
D 
= 
— 
— 
Te —— 
nad 
— 
Per Cent 
10 15 20 
” | I 
Se ——— 
— 
pb 
Number 
of 
Cases 
i 
15 
12 
4 
14 
every district the direction of change is upward, there is but one 
exception (Minneapolis in 1920 as compared with 1919). The 
rates of increase vary from district to district and in the same 
district from year to year, but to the general fact of increase there 
is but the one exception indicated. Moreover, there is a pro- 
nounced tendency for the ratios for the districts combined, as 
well as those for the districts separately, to increase at a decreas- 
ing rate. This fact is illustrated in Chart 12. 
The ratios, it will be remembered, are generally high in all 
districts during 1923, 1924, and 1925, and in nine of the twelve