I would certainly expect that the percentages would depend on the availability policy. What I am interested to know is if my numers are in the right range and what that range might be in specific numbers, i.e., how high or low the variance is. One might posit the standard case of Regulation CC and model disclosures as a basic availability policy for the combined average across all banks in general. Another example might be limited say to items over $5,000 as routinely held and what numbers that yields.
I am particularly interested in surveying what percentage of items held or delayed are generally returned.