i

BANKING STANDARDS

CHART 7

DISTRIBUTION OF YEARLY DistrIcT RATIOS OF DEMAND DEPOSITS TO
EARNING ASSETS, ALL MEMBER BANKS, 1910-192}

Percentage
Groups

36 and under 40
40 and under 44
44 and under 48
48 and under 52
52 and under 56
56 and under 60
60 and under 64
64 and under 68
58 and under 72
72 and under 76

0
a
ee

Per Cent
Number
10 15 20 25 of
2 2 i de Cases

3

12

19

16

RB

12

1

3

n

extends from 39 to 75. Both Table 25 and Chart 7 show considerable
 diversity of these percentages but they do not disclose
the norms which characterize their relative positions, nor summarize
 the trends in the direction and percentage changes in
the amounts. These facts are emphasized in subsequent tables
and in Chart 8.
Table 26 shows the direction (plus or minus) and the percentage
 difference by which the ratio in each of the districts for
each of the years deviates from the district average for the
period 1919-1925. While the ratios were generally high in 1919
and 1920 and generally low in each of the years between 1921 and
1924, in none of the years is there complete agreement among
the district ratios as to the direction of the deviations from their
own seven-year levels. This generalization, however, puts too
much emphasis on the dissimilarities, as is evident from Table
27, in which is indicated, for each year, the number of districts
with ratios above or below their respective seven-year averages.
In each of the years, a prevailing tendency is clearly apparent—a
tendency less marked than and of a nature inverse to that illus-