102 
BANKING STANDARDS 
TABLE 167 
COMPARATIVE PERCENTAGE AMOUNTS OF DEVIATION FROM GROUT 
AVERAGES AND NET YEAR-TO-YEAR CHANGE IN RATIOS OF TOTAL 
EXPENSE 10 EARNING AssETS, MEMBER BANKS, BosTON 
FEDERAL RESERVE DISTRICT, 1922-1025 
DIFFERENCES FORM CITY-GROUP AVERAGES, 1022-1925 
Sirn 
Number of 
Cases 
r 
Percentage 
Groups 
Average 
Percentage 
Average 
r 28 
2 and over 
Under 2 
2.13 
1.22 
Under 2 | 0.93 
2 and over 4.05 
Average 
NET PERCENTAGE 
CHANGE FROM 
YEAR TO YEAR 
—O0.55 
—1.63 
—0.33 
+1.73 
+3.84 
42.20 
DIFFERENCES FORM VOLUME-GROUP AVERAGES, 1922-1025 
Sign | 
Number of | Percentage 
Cases Groups 
5 
Average 
2 and over 
Under 2 
Under 2 
2 and over 
Average 
Average 
Percentage 
T.1°7% 
2.65 
1.0°¢ 
0.43 
3.17 
1.08 
NET PERCENTAGE 
CHANGE FROM 
YEAR TO YEAR 
40.62 
“+1.29 
“+o0.41 
+1.33 
+3.23 
“42.120 
—eva— 
*One group = in position. 
for the banks classified by city-size groups, is shown in Table 
167. This tendency is similar to that already observed for expense 
ratios by districts, and summarized in Table 60 (page 86). 
But, in studying trends and regression to type of expense 
ratios for member banks in District 1, it is unnecessary to use 
grouping of the sort just presented. Results similar to those 
noted above are found if, in each of the respective pairs of 
years—first and second, as 1922 and 1923, and 1923 and 1924, 
and so on, during the period 1922-1925—the ratios are treated 
as follows: (1) Compute in the first and in the second of each