INDEX TO DISCUSSION 
(See also Index to Tables and Charts) 
A 
“Abnormal” years, inclusion of 
Bank debits 
fluctuation of 
city 353-354 
district 750-353 
and changes in business conditions 357 
i representative measure of general 
business 3851 
Banking standards. See Norms, Trends, 
and é orrelation 
Banks 
competition of 354, 356, 357 
interrelation of functions of 355, 356, 358, 369 
need of standards by 7 
overlapping of competitive areas of 354 
Boston district members 
definition of 
gross earnings 266 
net earnings 267 
total expense 266-267 
dominant effect of ratios of gross earn- 
ings on net earnings 329-342, 373-388 
nature of correlation for 
ratios of gross earnings with ratios of 
net earnings 311-312 
series with ratios of 
net earnings 
3¢ 0 ~ arva34a, 
ve 228 
r2 
-4 
total expense 
nature of data for 
norms in ratios of 
gross earnings 
net earnings 
total expense 
regression in ratios of 
gross earnings 
net earnings 
total expense 
relation o 
gross earnings to net 
earnings 321-342, 373-388 
gross earnings to total 
expense 321-342, 373-388 
net earnings to gross 
earnings 321-342, 373-338 
net earnings to total 
expense 321-342, 373-388 
relative effect of total expense 
on net earnings - 329-342, 373-388 
series correlated with ratios of 
gross earnings 277-283 
‘rends in ratios of 
gross earnings 
net earnings 
total expense 
Bowser, H. R. 
Burgess, W. Randolph 
270-277 
313-321 
285-298 
265-207 
367, 599 
Charts 
interpretation of ratio 
methods of drawing ratio 
Competition, measurement of the 
effects of 
Cc 
21-22 
2x 
2-f 
Conclusions, significance of the 7-8 
Correlation 
general sum mary of 348 
interpretation o 349-369 
method of measuring 154-156, 279 
nature of, for series with ratios of 
demand deposits 175-192 
gross earnings 212-2279 
for Boston district 
members 277-283, 311-312 
interest and discount on borrowed 
money 
interest on deposits 
investments 
vans and discounts 
net earnings 
for Boston district 
members 
247-249 
244-247 
169-170 
157-169 
252-261 
salaries and wages 
time deposits 
total deposits 
total expense 
for Boston district members 
Correspondents 
functions of bank 
illustrations of relations between 
bank 
Curtiss, Frederic H. 
309-312, 321-342, 
373-388 
242-244 
192-211 
171-174 
228-251 
309-312 
356 
389-392 
200-202, 204, 244 
J 
Data 
all districts 
Boston district 
lefinition of a year respecting 
form of 
nature of 
New York district 
sources of 
‘emand deposits 
definition of 
aorms in ratios of 
ratios of, in relation to 
earning assets 41-49 
total deposits 49-57 
regression tendencies in ratios 
of . 44-46, 53 
series correlated with ratios of 175-192 
trends in ratios of 56-57 
uniformities in 
positions of ratios of 42-43, 46-49, 
. 50-52, 53-56 
year-to-year changes in 
ratios of 43-46, 48, 52-53, 
54-56 
Deposits. See also Demand deposits, 
Time deposits, and Total deposits 
definition of total ‘ 32 
definition of year respecting 32 
norms and trends in ratios of 32-70 
series correlated with 171-211 
J 
3-4, 265-267 
IX 
S54 
4 207 
4,26 67 
Earning assets 
composition of . 
and business conditions 
E 
It, 15-31 
357-358 
47%