£20)

BANKING STANDARDS
CHART 28

DistriBUTION OF YEARLY DistrIcT RATIOS OF TAXES TO EARNING
AsseTs, ALL MEMBER BANKS, 1919-1925
(Ratios based on $1,000)

10

Per Cent
15
r

Groups

D

2.00 and under 2.50
2.50 and under 3.00
3.00 and under 3.50
3.50 and under 4.00
4.00 and under 4.50
4.50 and under 5.00
5.00 and under 5.50
5.50 and under 6.00
6.00 and under 6.50
6.50 and under 7.00 Tiki
1.00 and under 7.50 e

20

25
LI -

Number
of
Casos

a.
)

5

13
le
19

1

8

>

Moreover, the district and yearly amounts vary. If the 84
separate amounts, twelve for each of the seven years, given in
Table 79, are distributed as in Chart 28, it is found that (1) the
most common or modal amounts fall in the group $4.50-$5.00;
(2) 63% of them occur within the limits $3.50 to $5.50; and (3)
they range by groups from $2.00 to $7.50, the smallest actual
amount, $2.39, being paid in New York in 1923, and the largest,
$7.49, by Dallas in 1921.
But in Chart 28 no account is taken of the separate years and
districts. Differentiation is necessary if the norms and trends
characteristic of the amounts are to be discovered. The most
satisfactory manner in which this can be done is by using a
graphic figure such as Chart 29. This chart illustrates, among
other things, the relation of the amounts each year in each district
to the average for the district and for the country, and also shows
the rates of change from year to year and over the whole period
1919-1925. It makes it easy to observe the following norms and
trends: