36 
BANKING STANDARDS 
TABLE 46 
PERCENTAGE DIFFERENCE FROM DISTRICT AVERAGE, 1919-1025, OF 
Ratios oF Time 10 ToTtaL DEPOSITS FOR ALL MEMBER 
BANKS, BY YEARS AND FEDERAL RESERVE DISTRICTS 
FEDERAL RESERVE 
DISTRICTS 
Boston. ....uccurcnann 
New York... is 
2hiladelphia.. ... ... 
Cleveland. ....... ... 
ichmond........ ... 
tlanta.......... .. 
WCagD. .oeneerar os 
. Louis. ,....-- ie 
“inneapolis. . . sy 
aansas City. .- 
Dallas. ..... 
San Francisco. 
Pr—CENT 
he 
NTAGF TN 
- 
ma 
~=-=wr NITenRICT AVERAGE, 1010-1025 
1924 | 192% 
1019 | 1020 }' 1921 1 1922 | 1923 
~37.% 
—g = 
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diate 
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¥ 9. 
“70,04 
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ot PO 
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418.27 
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ny 
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fy 
something is said later. While there are six districts in which the 
directions of change in the ratios of time deposits to total deposits 
do not follow the rule in at least one year, there is only one dis- 
trict (Minneapolis, 1919 to 1920) which is “out of step” when 
year-to-year changes in ratios of time deposits to earning assets 
are studied. The general tendency is for time deposits, measured 
in both ways, to increase, but at a decreasing rate. 
Attention should be called to the fact that the signs, plus and 
minus, in Table 47 are the opposite of those in Table 37, the 
TABLE 47 
PERCENTAGE CHANGE FROM YEAR TO YEAR OF YEARLY DISTRICT 
RATIOS OF TIME DEPOSITS TO ToTAL DEPOSITS IN ALL. MEMBER 
Banks BY YEARS AND FEDERAL RESERVE DistrICTS 
FEDERAL RESERVE DISTRICTS 
Average 
fAll Districts) 
Boston. ... J 
New York... eines 
Philadelphia. . RE 
Cleveland. .. fee Wi 
richmond... ws 
Atlanta. ..... . 
Chicago. ..... . 
.t.Louis...... . ve eee 
Minneapolis... ............ 
Snes CY. curmssmmrsmmsss 
DANS sou cmiivmmes mms yams mms 
San Francisco. .....oovvveeenn- 
moM "7 «®v To YEAR 
1019 1920 1021 | 1922 1923 1024 
to to to to to to 
1920 102% 1022 1023 1024 1925 
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