NORMS AND TRENDS IN DEPOSITS 65 
in all districts; and, except Atlanta, Chicago, Minneapolis, and 
San Francisco, they are lower also in 1921. With the exception of 
1921, almost identical conditions were observed above when ratios 
of time deposits to earning assets were under discussion. 
It is apparent, of course, that the signs in Table 46 are the 
opposite of those shown in Table 35, in which ratios of demand 
deposits to total deposits are given. The percentage variations 
in the two tables, however, are not related in this manner—they 
are peculiar to the ratios themselves. 
The ratios of time deposits to total deposits, for all districts 
combined, increased from year to year and over the period 1919 
to 1925. Is this general or average trend true for the separate 
districts? The answer to this question is found in the detail in 
Table 47. To the general rule of successive yearly increases, 
there are exceptions in the following districts: Dallas, between 
1919 and 1920; Chicago, between 1921 and 1922; San Francisco, 
between 1922 and 1923; and Atlanta, Chicago, Minneapolis, and 
Kansas City between 1924 and 1925. Otherwise, the directions of 
change throughout are the same. The rates differ, and of these 
CHART 13 
D1sTRIBUTION OF YEARLY District RATIOS OF TIME DEPOSITS TO 
THE ToTAL oF TIME AND DEMAND DEPosITS, ALL MEMBER BANKS, 
1919-19235 
Per Cent 
Percentage 
Groups 
10 and under 15 
15 and under 20 
20 and under 25 
25 and under 30 
30 and under 35 
35 and under 40 
$0 and under 45 
5 and under 50 
50 and under 55 
D 
10 
1X3 
= 
Rand 
Fad 
mr 
PEER eee Py 
EE. 
esassame 
Number 
20 of 
Cases 
9 
- 
v J