3A

BANKING STANDARDS

CHART 30

DISTRIBUTION OF YEARLY DistrIcT RATIOS OF “ALL OTHER” EXPENSE
10 EARNING ASSETS, ALL MEMBER BANKS, 1919-1025
(Ratios based on $1,000)

Groups

4 and under 5
5 and under 6
5 and under 7
7 and under 8
8 and under 9
3 and under 10
10 and under 11
11 and under 12
{2 and under 13

4]
x
9
a

iD

Pear Cont
16 20

diiihi

NR

gr

10

Number
of
Cases

3

24
17

14
0

1

from the group $4-$5 to $12-$13, the minimum amount being
$4.69 and the maximum $12.04; and (3) the distribution “tails
off” toward the upper groups, the frequencies decreasing regularly
 to the group $12-$13. The typical amounts, however, may
refer to particular years or to particular districts and, therefore,
be unrepresentative of the data as a whole.
By plotting the amount for the respective districts each year
on a ratio chart, as is done in Chart 31, it is possible (1) to study
the dispersion for each district each year around the seven-year
district average, (2) to observe the directions and rates of change,
and (3) to compare the district amounts with those for the country
 as a whole. A study of this chart shows the data to be characterized
 by the following norms and trends:

Norms

I. “Other” expenses, expressed in terms of earning assets, were
helow the seven-year district levels in all of the districts in 1919
and 1920; for the other years they were generally above, all of
the districts in 1922 and 10 and 11 of them, respectively, in 1923