ng
BANKING STANDARDS
TABLE 60
RATIOS OF ToTAL EXPENSE TO GROSS EARNINGS IN STATE BANKS,
FEDERAL RESERVE SYSTEM, BY YEARS AND BY
FEDERAL RESERVE DISTRICTS
I ——
EDERAL RESERVE DisTrICTS
Boston. ..........ovveinnnn
New York..... NPI
Philadelphia. . ..
Cleveland. ... .
Richmond. .
Atlanta......
“hicago. .....
it. Louis. .....
finneapolis. .
Lansas City. .
SOs. rss
San Francisco. ....
Average
(All Districts)
Average |
(tpr9- | 31010 | 1020 { 1921 1022 1023 | 1024
102%)
Pr Ap T-—:v, Ev" -- rn Cnag5 EARNINGS
| 1925
20.06 " 60 nn
AR ¢y
60.74
70 22 | 71 46 1 73.06 | 72.54
79
‘4
38.0
£6.7¢
75.40
jo.5§
fo &2
74.54
68.74
64.80
73.37
73.00
70.48
*.99
2»
1!
7
2
ng. 84
(8'®
60.00 to 80.00 and over. For the first group, the modal amounts
occur at group 70.00-72.50; for the second, at group 72.50-75.00.
For the national members, the concentration extends from 62.50
to 75.00; for state members, from 67.50 to 75.00. In general,
the amounts are higher for state than for national banks; this
fact the frequency distribution and Tables 68 and 69 reveal. As
to whether the ratios for given years and given districts for the
state banks are higher or lower than those for national banks is
not shown by Chart 20, nor is it apparent from the tables in the
{orm presented.
If ratios for the two types of institutions for the individual
years and districts, are compared, it is found that (1) of the 84
ratios for the respective years and districts, the amounts are less
for national banks in 75% of the cases; (2) for the three years
1020, 1922, and 1925, the ratios for national banks are lower than
for state banks in ten of the twelve districts; (3) for every year
they are lower in as many as or more than eight of the twelve dis-
tricts; (4) in only one district (Philadelphia) are the ratios higher
for national than for state banks during all seven years, while in
three districts (Boston, Cleveland, and Minneapolis) the reverse
is true; and (5) with the exception of Philadelphia, in each dis-
trict the ratios for national banks were less than those for state
members for at least four of the seven years. Judged, therefore,
