208 
BANKING STANDARDS 
TABLE 181 
AVERAGE NET CHANGE IN Ratios oF ToTraL EXPENSE TO EARNING 
AssETS IN SuccessivE Pairs oF YEARS, 1923-1925, CLASSIFIED 
MEMBER Banks, NEW York FEDERAL RESERVE DisTrICT 
S1zE oF City IN WHICE BANKS ARE LOCATED (118 000’s) 
RATIOS: Total 
Expense to 
Earning Assets 
(First Year of 
Each Pair of 
Years) 
Under 10 ro to 20 
20 to 40 40 to 120 120 and over 
I Second | 
years 
less Num- 
First ber 
vears 
Num- 
ber 
Second 
years 
less 
First 
vears 
Num- 
ber 
Second | 
years 
less 
First 
vears 
Total LL 
opm © 
- 
+n 
=®=0_r 
‘ 
wy 
yap 
—0.1 
2 and under 3 7 
3 and under 4 56 
4 and under 5 160 
¢ and under 6 | 33 
6 and under 7 3 
7 and over Cee 
+0.3 . 
+o.2 s 
+o.1 36 
—0.2 9 
-—0.5 + ... 
*0.0 
®=0.0 | N] 
—0.1 6 
Fo.2 
ol 
~0.§ 
+o.1 
+=0.0 
-0.5 
I 
42 
88 
12 
‘t 
—0.2 
*=0.0 
—o0.1 
+o.1 
-_—0.7 
TABLE 182 
AVERAGE NET CuANGE IN Ratios oF TorAL EXPENSE TO EARNING 
ASSETS, BY PAIRS OF YEARS, 1923-1925, MEMBER BANKS, BosToN 
AND NEW York FEDERAL RESERVE DISTRICTS 
YEARS 
RATIOS! 
Total Expense 
to 
Earning Assets 
(First Year of Each 
Pair of Years) 
Total........... 
t and under 2... . 
2 and under 3.... 
3 and under 4... . 
4 and under 5... . 
; and under 6... . 
5 and under 7... . 
+» and over . 
Total 
Second 
years 
less 
First 
vears 
Number | 
1276 
+=0.0 
2 ' +4o.7 
60 “40.2 
365 +o.1 
767 *0.0 
164 —0.2 
12 —0.4 
€ —I.§ 
1022 and 1024 
1924 and 1925 
Second 
year 
less 
First 
vear 
Second 
year 
less 
First 
year 
Number | 
Number 
60% 
0 Tr 
631 
*=0.0 
2 
Es 
or 
381 
“+0.7 a 
to.3 ad 
1s 386 
to 89 
my 9 
—0.5 ; 
-—1.7 
“+o.1 
40.1 
+=0.0 
—0.I 
—0.2 
—T./ 
|