NORMS AND TRENDS IN EXPENSES o1 
in Philadelphia; it was greatest, 79.90, in Minneapolis. That is, 
the percentage amounts vary by years for the entire System, and 
by districts for the period 1919 to 1925. They also vary widely 
among the various districts for a given year and among the vears 
for a given district. A summary of such variations is necessary, 
inasmuch as they are not readily apparent from Table 62. 
If no account is taken of the individuality of the years and 
districts, and if the ratios in Table 62 are arranged in frequency 
form, the distribution in Chart 19 is obtained. This chart shows 
that (1) the ratios ranged from the group 60.00-62.50 to the group 
50.00 and over, the minimum ratio being 61.50 for Philadelphia in 
922, and the maximum, 83.90 for Minneapolis in 1923;7 (2) the 
CHART 19 
D1sTRIBUTION OF YEARLY DisTRIcT RATIOS OF ToTAL EXPENSE TO 
Gross EARNINGS, ALL MEMBER BANKS, 1919-1925 
Percentage 
Groups 
50.00 and under 62.50 
52.50 and under 65.00 
65.00 and under 67.50 
67.50 and under 70.00 
70.00 and under 72.50 
72.50 and under 75.00 
75.00 and under 77.50 
77.50 and under 80.00 
80.00 and over 
0 
d_ 
Per Cent 
10 
15 
20 
a 
Sm— 
Aw 
oem. Empl 
SC wow... 
i m— ow 
a - a 
ET in 
ear 
25 
Number 
of 
Cases 
} 
13 
16 
{5 
| 8 
B 
most common ratios—21% of the total—fall in the group %2.50- 
75.00; and (3) concentration appears within the limits bounded 
by 65% and 75%, approximately three-fourths of all the ratios 
being included within this spread. But this distribution does not 
indicate the district and yearly peculiarities; it serves only to give 
a graphic picture of the range and of the form of distribution of 
the 84 percentages. Further analysis is necessary. 
If the yearly ratios in the respective districts are compared with 
“7 Details are in Table 62.