"c           VAR 0245      14052 RAT LAW 3R 874-915               MD= 1E-37   "
"c           REF 0245         LOC 2166 WIDTH  9             DK  35 COL 26-34  "
"c                                                 EXP DEC=  1                "
"c                                                                            "
"c              RATIO OF LAWFUL MONEY TO INDIVIDUAL DEPOSITS, NATIONAL        "
"c              BANKS, TOTAL                                                  "
"c              ------------------------------------------------------        "
"c                                                                            "
"c              NBER SERIES:  14052                                           "
"c              AREA COVERED:  U.S.                                           "
"c              UNITS:  PERCENT                                               "
"c              ANNUAL COVERAGE:  NONE                                        "
"c              QUARTERLY COVERAGE:  NONE                                     "
"c              MONTHLY COVERAGE:  SCATTERED COVERAGE FOR 1874-1915; SEE      "
"c              NOTES                                                         "
"c              SEASONAL ADJUSTMENT:  NONE                                    "
"c              SOURCE:  COMPUTED BY NBER FROM DATA IN ANNUAL REPORTS OF THE  "
"c              COMPTROLLER OF THE CURRENCY.                                  "
"c                                                                            "
"c              NOTES:  MONTHLY COVERAGE VARIES FROM YEAR TO YEAR.  EXCEPT    "
"c              FOR 1874, WHICH ONLY HAS DATA FOR OCTOBER AND DECEMBER, ALL   "
"c              YEARS FROM 1875-1914 HAVE SCATTERED FIVE MONTH COVERAGE.      "
"c              SIX MONTHS ARE PRESENTED FOR 1915.                            "
"c                   SEE SERIES 14010 (LAWFUL MONEY, TOTAL) AND SERIES 14021  "
"c              (INDIVIDUAL DEPOSITS, TOTAL) FOR A FURTHER DESCRIPTION OF     "
"c              INCLUSIONS, EXCEPT THAT HERE CLEARING-HOUSE EXCHANGES         "
"c              (DEPOSITS) HAVE BEEN DEDUCTED FROM INDIVIDUAL DEPOSITS.       "
"c                   A NEW CLASSIFICATION WAS INTRODUCED FOR DEPOSITS         "
"c              BEGINNING WITH THE CALL REPORT OF DECEMBER 31, 1914.  IN      "
"c              ORDER TO RETAIN COMPARABILITY, INDIVIDUAL DEPOSITS WERE       "
"c              COMPUTED HEREON BY ADDING TOTAL DEMAND DEPOSITS, OF WHICH     "
"c              U.S. AND POSTAL SAVINGS DEPOSITS WERE DEDUCTED, TO TOTAL      "
"c              TIME DEPOSITS.                                                "
"c                                                                            "
"c              CHECKED MANUALLY; CORRECTED 2/8/94.                           "
"c                                                                            "
"c           ...............................................................  "