X14 
BANKING STANDARDS 
TABLE 183 
RATIOS OF NET EARNINGS TO EARNING Assets, CLASSIFIED MEMBER 
Banks, BostoN FEDERAL RESERVE DISTRICT, 1924-1925 
(Net Losses Excluded) 
Size oF City 
(in 000’s) 
Total. ..... ... 
Underio..........o..... 
1o and under 20......... 
20 and under 4o0......... 
40 and under 120......... 
20 and over. .. Ce 
EARNING ASSETS 
(21 00.000’s) 
Total. ...... .. 
Unders................. 
sand under1o........... 
ro and under 20........... 
20 and under 50........... 
co and over. 
ToTAL 
1 
1924 
1925 
Num- | Av- 
ber erage 
Num- 
ber 
Av- 
erace 
Num- 
ber 
Av- 
erage 
R18 
1.87 
408 
1.82 ! 
410 ! : 
1.92 } 
360 2.07 180 2.02 180 2.13 
149 1.84 | 74 | 1.76 | 75 1.02 
oI 1.80 45 1.72 - 46 1.88 
136 1.59 68 1.59 68 1.60 
82 1.57 43 1.60 4x 1.54 
TorAL 
(Q24 
1925 
Num- | 
ber 
Av- 
erage 
Num- | 
ber 
Av- 
erage 
Num- | 
ber 
Av- 
erage 
1.02 
R18 
1.87 - 
408 
1.82 
410 
112 
184 
£197 
181 
144 
2.30 
2.06 
1.88 
1.61 
=~ 6r 
56 
92 
08 
00 
2.20 
2.02 
1.82 
1.79 
56 
02 
99 
GI 
2.39 
2.11 
1.93 
1.63 
64 
1924 and 19235, and within each year they decrease as the volume 
increases. 
But the amounts in Table 185 are averages. What are the 
characteristic ratios for the banks in the different groups, and 
how general, among the various banks, are the increases from 
year to year? The first part of this question is answered by 
the details in Table 186, which, for the combined years 1924 
and 1923, give the distribution of the ratios for banks classified 
by size of city of location and by volume of earning assets. The 
second part of the question is considered later. 
Table 186 shows that (1) the ratios for the combined years 
for all banks, while ranging from less than 0.5% to more than 
1%, concentrate at the group 1.5-2.0; and (2) the spread tends 
to decrease, and the ratios at which the instances tend to con-