“14
BANKING STANDARDS
TABLE 104
NET PERCENTAGE YEAR-TO-YEAR CHANGES IN DIFFERENT RATIOS
CORRELATED WITH PoSITION AND DIRECTION OF CHANGE
IN RATIOS OF ToTAL DEPOSITS TO EARNING ASSETS
NET PERCENTAGE YEAR-TO-VEAR CHANGES
RATIOS:
Total Deposits
to
Earning Assets
Increasing
From positions above
the District Level. ...
From positions below
the District Level. ...
Decreasing
From positions above!
the District Level. . ..
From positions below
the District Level...
Number
of
District
Years
57
27
RATIOS:
Gross Earnings |
to
Earning Assets 1!
-0.59
— 1.30
+ o.05
+8.61
— 3.42
J-x1.62
RATIOS!
Total Expense
to
Earning Assets
—_0.,23
—~ 0.61
+ 0.14
[412.57
— 1.55
416.10
Ratios:
Net Earnings
to
Earning Assets
1.4%
—2.33
-~0.63
40.27
—8.04
+2.34
for ratios above and below the country level. For total deposits,
grouped according to percentage amounts of dispersion, there is
one exception for gross earnings and two for total expense. The
case, however, is different for net earnings. Low ratios of net
earnings—that is, ratios below the country level—are associated
with high ratios of total deposits. Contrariwise, high ratios of
net earnings are accompanied by low ratios of total deposits.
The detail of such comparison are contained in Table 103.
TABLE 103
CORRELATION OF DEVIATIONS OF RATIOS IN PAIRED SERIES
(Percentage Deviations from the Country’s Yearly Averages)
Position
Above
Below
INDEPENDENT VARIABLE—Ratios of
Total Deposits to Earning Assets
Distance from Average
DEPENDENT VARIABLES—Net
Average Percentage
- Bivins
Number
of
District-Years
!
Gross | Total
Earnings Expense
to to
Earning Earning
Assets Assets
|
Net
Earnings
to
Earning
Assets
Average
Percentage
Groups | Percent-Total.
..
+2.24
20
-+-4 .04
+ 8.30
—g. 78
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en
3
5
5
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—0.76
+6.47
+6.00
+1.21
