Ralph A. Young

English

Research Papers in Economics

This PDF is a selection from an out-of-print volume from the National
Bureau of Economic Research
Volume Title: Personal Finance Companies and Their Credit Practices
Volume Author/Editor: Ralph A. Young and associates
Volume Publisher: NBER
Volume ISBN: 0-870-14460-X
Volume URL: http://www.nber.org/books/youn40-1
Publication Date: 1940
Chapter Title: List Of Tables
Chapter Author: Ralph A. Young
Chapter URL: http://www.nber.org/chapters/c5493
Chapter pages in book: (p. -5 - -3)List of Tables
1. Geographic Distribution of Personal Finance Companies in 29 States,
and Their Receivables Outstanding, December 31, 1937 29
2. Small Loan Legislation as of December 1, 1939, Classified by Con-
formity to Uniform Small Loan Law and by Maximum Charges
Authorized 34
3. Sources of Funds of Selected Personal Finance Chains, 1929, 1933,
1937, in Percent of Total Assets 40
4. Bank Lines of Selected Personal Finance Chains, and Peak Level and
Low Point of Notes Payable, 1937 41
5. Sources of Funds of 274 Personal Finance Licensees in Indiana, De-
cember 31, 1937, in Percent of Total Assets 42
6. Percentage Distribution of Number of Loans Made by Personal
Finance Companies in 14 Selected States, 1937, by Size of Loan
7. Average Sizeof Loans Made by PersonalFinance Companies,
1933-37 47
8. Percentage Distribution of Number of Loans Made by Personal
Finance Companies in 16 Selected States, 1937, by Type of Security50
9.Percentage Distribution of Borrowers from a Personal Finance Chain,
and of General Population, 1935-36, by Income Level 52
10.Percentage Distribution Of Number and Volume of Loans Made by
2 Personal Finance Chains, and Average Size of Loans, 1934-37, by
Income of Borrower 53
11. Percentage Distribution of all Non-Relief Families, 1935-36, by Occu-
pation and Income Level 56
12. Percentage Distribution of Loans Made by 3Personal Finance
Chains, 1934-37, by Occupation of Borrower 57
13. Percentage Distribution of Loans Made to Employed Borrowers by
3 Personal Finance Chains, and of Non-Relief Families in the United
States, 1935-36, by Occupation 59
14. Percentage Distribution of Loans Made by aPersonal Finance
Chain, 1933-37, by Reason for Borrowing 61
xviixviii LIST OF TABLES
15. Percentage Distribution of Loans Made by 3Personal Finance
Chains, 1934-87, by Intended Use of Funds 62
16. Number of Applications Received and of Loans Granted by 2 Per-
sonal Finance Chains, 1933-37, by Status of Customer 73
17. Delinquency Percentages on Small Loan Accounts Delinquent One
Month or More on Both Principal and Charges in Selected States,
1937
5 74
18. Amount Due at Time of Foreclosure on Chattel Mortgages and Bills
of Sale, and Amount Realized, Sin Selected States, 1936 77
19. Loan Delinquency and Bad-Debt Loss of 2 Personal Finance Chains,
1923-37, in Percent of Monthly Loan Account 79
20. Percentage Distribution of Number of Accounts Charged Off by a
Personal Finance Chain, 1935-37, by Nature of Delinquency at Time
of Charge-off 81
21. Percentage Distribution of Number of Accounts Charged Off by a
Personal Finance Chain, 1935-37, by Extent of Delinquency at Time
of Charge-off 81
22. Repayment Record of a Sample of Loans Made by a Personal
Finance Chain During the Year Ending July 31, 1935 86
23. Charge-off Experience of a Personal Finance Chain, 1984-37, by
Status of Customer 93
24. Charge-off Experience of a Personal Finance Chain, 1936 and 1937,
by Security for Loan 96
25. Charge-off Experience of a Personal Finance Chain, 1934-37, by
Income of Borrower. 97
26. Distribution of 7,118 Loans Made by a Personal Finance Chain, and
Proportion of Borrower's Income Required for Payments on Princi-
pal, First Quarter 1936, by Size of Loan and Income of Borrower 98
27. Charge-off Experience of a Personal Finance Chain, 1933-37, by Oc-
cupation of Borrower 100
28. Charge-off Experience of a Personal Finance Chain, 1933-57, by In-
dustrial AffiliationBorrower 102
29. Charge-off Experience of a Personal Finance Chain, 1934-37, by
Size of Loan 104
30. Percentage Distribution of Expenses Incurred by Personal Finance
Companies, 1934-36 108
31. Expense Items of Personal Finance Companies, 1929-36, in Per-
cent of Average Employed Assets 110
32. Gross Income, Total Expenses and Net Income of Personal Finance
Companies, 1929-36, in Percent of Average Employed Assets 113LIST OF TABLES X1X
33. Earnings and Expenses of 103 Personal Finance Licensees in New
Jersey, 1937, by Size of Office 116
34. Earnings and Expenses of 358 Personal Finance Licensees in Illinois,
1937, by Size of Office 117
35. Earnings and Expenses of 274 Personal Finance. Licensees in In-.
diana, 1987, by Type of Licensee 119
36. Typical Rate Schedules on Personal Finance Company Loans, Corre-
sponding Total Dollar Charges on Regularly Amortized Loans of
Varying Size and Duration, and Average Monthly Percentage Rate
on $300 Loan Repaid in 12 Months .126
37. Average Cost per Month of Making and of Carrying a Personal
Finance Company Loan, January-August 1931, by Size of Loan 129
38. Average Cost per Year of Making and of Carrying a Personal Finance
Compan.y Loan, 1929-36 131
Number of Personal Finance Licensees, Volume of Loan Balances
Outstanding, and Average Size of Loan, New Jersey and Massa-
chusetts, 1928-36 136
40. Number of Personal Finance Licensees and Volume of Loan Bal-
ances Outstanding, West Virginia, 1929-38 141
41. Number of Personal Finance Licensees and Volume of Loan Bal-
ances Outstanding, Georgia, 1934-37 143
42. Number of Personal Finance Licensees and Volume of Employed
Capital and of Loans Made, Tennessee, 1936-38 145

Personal Finance Companies and Their Credit Practices

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Research Papers in Economics