BANKING STANDARDS
those in each of the districts. Between 1919 and 1921 they increased
 at an increasing rate, and between 1921 and 1925 at a
decreasing rate.
2. Ratios of time deposits to earning assets and to total deposits
 which are high in a given year, relative to seven-year average
 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 district
 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