418 
BANKING STANDARDS 
Earning Assets (Continued) 
definition of 13 
for member banks 
Boston district 265-266 
New York district 267 
year respecting iz 
use of, as a base for ratios 11, 12 
Edwards, George W. 356 
series correlated with ratios of 169-170 
trends in ratios of 31 
uniformities in 
changes in proportion of, 
represented by United States 
securities 
by districts 359 
by types of banks 359 
for ‘‘other Reserve” cities 360, 362 
positions of ratios of 25-26, 29-30 
year-to-year changes in 26-28 
Gross earnings 
correlation of ratios of, with ratios 
of net earnings, Boston district 
members 311-312 
definition of 71 
for member banks, Boston district 266 
dominant character of, in determining 
net earnings, Boston member 
banks 329-342, 373-388 
interest as a part of 24 
norms in ratios of 71-80 
“other income’’ as a part of 71 
regression of ratios of 
explained 75-77 
for Boston district members 273-277 
relation of 
net earnings to 129-131 
Boston district: 
members 321-342, 373-388 
ratios of 
to earning assets 72-80 
to loans and discounts 255 
to net earnings 258 
to total deposits 255 
to total expense 257 
total expense to ratios of, 
Boston district mem- 
bers 321-342, 373-388 
series correlated with 
high or low ratios of 199-200 
ratios of 212-227 
Boston district members 277-283 
trends in ratios of 71-80 
aniformities in 
positions of ratios of . 73-75, 78 
year-to-year changes in ratios of 5-77, 78 
Gold movements, occasion for 
interdistrict 355 
Cc 
Loans and discounts 
definition of 13 
norms in ratios of 23 
ratios of 15-24 
regression to type of ratios of 18-19 
relation of ratios of to 
gross earnings 255 
net earnings 259-260 
total expense 256-257 
series correlated with ratios of 157-169 
trends in ratios of . 24 
uniformities in 
positions of ratios of 16-17, 20-21 
year-to-year changes in ratios of 17-19 
ed 
Member banks, number of, in the System 14 
Methods of study, characterization of 5 
See also Charts, Correlakon, 
and Regression 
Mills, Frederick C. 361 
Mitchell, W. C. 356 
Money market, banks and the 355-356 
Moulton, Harold G. 354 
National bank members 
relation of ratios of total expense 96-107 
uniformities in 
positions of ratios of 
net earnings 146-148, 150 
total expense ‘97-102, 104-106 
year-to-year changes in ratios of 
net earnings 149-150 
total expense i 102-103, 106 
Net earnings 
correlation of ratios of, with gross 
earnings, Boston district . 
_ members 309-312 
definition of 127 
for Boston district members 267 
dominant effect of gross earnings on, 
Boston district members 329-342, 373-388 
a0rms in ratios of 127-150, 144 
cegression tendencies in ratios of 133-134 
Boston district members 317-321, 328-329 
relation of ratios of, to . 
earning assets 127-137 
gross earnings 129-131, 137-150, 
252-254, 258 
Boston district members 321-342, 373-388 
national and state members 145-150 
loans and discounts 259-260 
total deposits 259-260 
total expense 120-131, 252-254, 258 
Boston district members 321-342, 373-388 
relative effect of ratios of total 
expense on ratios of, Boston 
district members 329-342, 373-388 
series correlated with Co 
high or low ratios of 199-209 
ratiosof = : . 2§2-261 
Boston district members 321-342, 373-388 
NM 
Interest 
relation of, to gross earnings 7: 
and discounts on borrowed money 
norms in ratios of 117 
relation of ratios of 115-119 
series correlated with ratios of 247-249 
irends in ratios of 117, 119 
uniformities in 
positions of ratios of 118 
year-to-year changes in ratios of 118 
on deposits 
norms in ratios of 113 
relation of ratios of II1-II5 
series correlated with ratios of 244-247 
trends in ratios of 113, 115 
uniformities in 
positions of ratios of 114 
year-to-year changes in ratios of 114 
rates charged customers 
conditions determining 367-568 
geographical differences in 361, 363-368 
Interpretation of norms and trends 349-369 
Investments 
definition of 13 
norms in ratios of 31 
ratios of Co. . 24-31 
repression tendencies in ratios of - 27-28 
H 
Hypotheses back of study