BANKING STANDARDS 
those in each of the districts. Between 1919 and 1921 they in- 
creased at an increasing rate, and between 1921 and 1925 at a 
decreasing rate. 
2. Ratios of time deposits to earning assets and to total de- 
posits which are high in a given year, relative to seven-year av- 
erage district levels, rise relatively less the following year than do 
those which are low when judged by the same standards. That is, 
when ratios are increasing from year to year, as they generally are 
in this case, those which are low, relative to their respective dis- 
trict averages, show larger percentage rises than do those which 
are high. Reversion to type, in this case, takes the form of 
amount of percentage change alone rather than of both direction 
and amount, movements found, for instance, to characterize ratios 
of demand deposits to earning assets in their regression to type. 
JO