r' 710 
BANKING STANDARDS 
TABLE 130 
NATURE OF CORRELATION OF PERCENTAGE DIFFERENCES AND CHANGES 
FROM YEAR TO YEAR OF RATIOS IN PAIRED SERIES, 1919-1925 
NATURE OF M=AST! *- 
SERIES CORRELATED 
(Expressed as Ratios) 
Differences from 
District Averages 
Changes from Year 
to Year 
Differences from 
Country’s Yearly 
Averages 
Inde- 
pendent 
Variables 
Dependent Variables 
Direc- | Amount 
tion 
Tr be 
[Negative [Positive I | a 
[Negative Positive ! w | ® 
[Negative ! o Negative | } o 
| w | 0 
[Negative "Positive | | o 
(1) [Positive | (1) 
Gross Earnings to 
Earning Assets 
Total Expense to 
Earning Assets 
Net Earnings to 
Earning Assets 
Gross Earnings to 
Earning Assets 
Total Expense to 
Earning Assets 
Net Earnings to 
Earning Assets 
Sross Earnings to 
Earning Assets 
Total Expense to 
Earning Assets 
Net Earnings to 
Earning Assets 
Salaries and Wages to 
Earning Assets 
Interest on Deposits to 
Earning Assets 
Total 
Deposits 
to 
Earning 
Assets 
‘Negative [Positive 
[Positive | (1) 
(Negative | (1) 
AE rear 
Demand 
Deposits] 
to 
Earning 
Assets 
Negative [Positive 
Negative [Positive 
Positive | (x) 
[Negative 
i 
Negative (x) 
Negative 
Positive | (1) | (a) 
Negative | (1) 'Negative 
‘Positive | (x) Ipositive 
Positive | (1) [Positive | (1) 
Negative Positive | a | a 
0 ol wl e 
Positive | | 
We 
Cw Weve! ® | @ ow 
Positive [Positive © | @ 
lolol eo 
o | ol ola 
® I [Negative IPositive 
Demand 
Deposits 
to 
Total 
Deposits 
Positive (1) 
Negative 
{Positive 
Negative |Positive 
Interest and Discounts 
on Borrowed Money to 
Earning Assets 
Positive 
Taxes to Earning Assets 
“Other Expense’ to 
Earning Assets 
Gross Earnings to 
Earning Assets 
Total Expense to 
Earning Assets 
Total Expense to 
Gross Earnings 
Net Earnings to 
Earning Assets 
Time Total Expense to LL 
Deposits] Gross Earnings [positive [Positive |Positive [Positive (1) | (1) 
to 
Total 
De- 
posits (3) 
Positive f(x) 
(1) Doubtful. (2) Not computed. 
(3) By direction, all series correlated with ratios of time deposits te total deposits are the reverse of 
those correlated with ratios of demand deposits to total deposits.