50 
BANKING STANDARDS 
TABLE 42 
PERCENTAGE DIFFERENCE FROM DISTRICT AVERAGE, 1919-1925, OF 
RATIOS OF TiME DEPOSITS TO EARNING ASSETS FOR ALL MEM- 
BER BANKS, BY YEARS AND FEDERAL RESERVE DISTRICTS 
] PERCENTAGE DrrreroNcT ROM DISTRICT A-""™AGE, 1010-1025 
1022 | 1933 I 1024 103% 
-:-36.40 
+39.28 
430.80 
+18.18 
+23.52 
+18.30 
+13.56 
4-23.80 
4-12.70 
+21.43 
+34.42 
+21.76 
Boston...... 
New York. . 
hiladelphi:. 
Jleveland. . 
Richmond. . 
Atlanta. ... 
Chicago. .... 
5t. Louis. ..... 
Minneapolis. . . 
Kansas City... 
Dallas. .............. 
San Francisco.......... 
in 1922, In the other years, they are low. If in each district 
they are classified by their positions relative to the seven-year 
average, the dispersion plus and minus being measured on a per- 
centage scale, and if the direction and net percentage changes 
from year to year are determined, it is found that (1) essentially 
as many increase when they are high as increase when they are 
low—the direction generally being upward; (2) the rate of in- 
crease for those that are low is twice as great as for those that 
are high; and (3) the net rate of increase for those that are low 
TABLE 43 
PERCENTAGE CHANGE FROM YEAR TO YEAR OF YEARLY DISTRICT 
RATIOS OF TIME DEPOsiTS TO EARNING ASSETS IN ALL MEMBER 
Banks BY YEARS AND FEDERAL RESERVE DISTRICTS 
FEDERAL RESERVE DisTRICTS 
— 
Average 
(All Districts) 
Boston. . . ees 
New York.... es 
Philadelphia. veraee wees 
Cleveland.... cocoevorsancnnes 
Richmond. .....ceo0vveneennee 
Atlanta....... Pp 
chicago. .....u. araH EE 
St.Louis. ..ovvver vi iaeennns 
Minneapolis...oev. seereacecns 
{ansas City.... Ceraerannas 
RE | TN 
San Francisco...... . . 
1919 
to | 
1020 
Lr 1° 
-+ =F I] 
+26 37 
+12 2° 
+ 7.5 
+r4.c 
. 20 
+3 
+ 7 
TF I 
4... 
+ 6.60 
+61.07 
PRRCEN" GF C— --~ ~~ "ip 10 YEAR 
1023 | 1024 
to to 
1024 1038 
+ 4.50 
“= 8.41 
+ 4.67 
+ 7.00 
+ 1.01 
+ 7.47 
+ 2.51 
+4 2.98 
4 6.8 
+4 2.58 
+ 4.42 
+ 8.30 
+4 8.4% 
i0.g 
+27.32 
b13.4: 
9.4 
BE 
TT 
i= 7.00 
4 Er 
$12.2 
+17.10 
4 0.16