7

- A

BANKING STANDARDS
TABLE 66

COMPARATIVE PERCENTAGE AMOUNTS OF DEVIATION FROM DISTRICT
LEVELS AND NET YEAR-TO-YEAR CHANGE IN RATIOS OF
Total. EXPENSE TO Gross EARNINGS

DIFFERENCES FROM DISTRICT AVERAGES, 1919-1925

Sign

Number of |
Cases

Percentage
Groups

Average
Percentage

NET PERCENTAGE
CHANGE FROM
YEAR TO YEAR

—

-

Average

4.00 and over
2.00 to 4.00
Under 2.00

Under 2.00
2.00 to 4.00 |
4.00 and over

Average

2.58

4.68
2.08
0.8¢

0.80
3.10
5.70
2 86

40.15

—1.42
—0.66
41.08

+o0.27
41.20
+4.20

+1 42

differences, as is done in Table 67, it is found that (1) in general,
ratios of total expense to gross are relatively low in the East and
high in the other parts of the country; and (2) the positions of
the respective districts relative to this level tend to obtain throughout
 the seven years under discussion.
 Such persistence is
not required because of the
type of comparison made, as
the cases of Districts 4 and 11,
for instance, indicate. Changes
from year to year, upward and
downward, still leave a majority
 of the district ratios of total
expense to gross earnings above
or below the level for the country
 as a whole.
In the foregoing analysis of
ratios of total expense to gross
earnings, certain norms and
tendencies have been discovered.
 These relate to the yearly
district amounts compared (1)