104 
BANKING STANDARDS 
TABLE 176 
NET PERCENTAGE YEAR-TO-YEAR CHANGES IN RATIOS OF ToOTAL 
ExPENSE To EARNING AssETS, CLASSIFIED MEMBER BANKS, 
New York FEDERAL RESERVE DISTRICT, 1923-1925 
Ciry-Grouprs 
{(Pobulation in 000’) 
Average. ........ocenen-n-- 
NACE TO. «vote ee iene ean err annen, 
roandunder 20....... iii 
zoand under 40........cciiiiniiiniaaan an 
goand under 120... .. iii 
120and OVer®. . oot 
New York City. . eee 
VoLuME-GROUPS 
(Earning Assets in 00,000's) 
LL —————————. 
Average. ......ocooeo oon 
Under §...oeovmenineeorons  eanennnannnne. 
sand under IO...........ciiiiiiiiiiinnn. 
oand under 20........ciiiiiiiiiaaai 
20oandunder 50... ie 
50and UNdEr T00 ....viniiiiiiii 
coandover®.... ..... aan 
New York City . vv vviiinineeernnnnnnnns 
1923 to 1924 
YEARS 
1924 to 1925 
—0.46 
“+1.30 
+4.52 
+o0.65 
+1.59 
-+0.69 
—I.10 
—A4.70 
+=0.00 
“+1.08 
—0.45 
—1.14 
—3.35 
-—0.74 
YEARS 
1923 to 10924 1924 to 1925 
—0.46 
+5.35 
+3.74 
+4.74 
+2.25 
+o0.45 
—1.35 
—a.67 
—0.22 
+1.92 
—0.45 
—2.20 
-}+o.g90 
—2.95 
—0.25% 
*Except New York City. ) 
TABLE 177 
CoMPARATIVE PoSITIONS AND YEAR-TO-YEAR DIRECTIONS OF 
CuaNGE IN Group Ratios oF ToTAL EXPENSE TO 
EARNING AssETS, MEMBER BANKS, NEW YORK 
FEDERAL RESERVE DISTRICT, 1023-1025 
Positions Relative 
to City-Group 
Averages 
Total. 
Direction of Change 
from Year to Year 
iL 
Positions Relative 
to Volume-Group 
Averages 
Total. . ..... 
Direction of Change 
from Year to Year 
Total 
7 
78 
14 
*One group = in direction. 
§One group = in position.