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Industry mix and lending environment variability: what does the average bank face

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Author Info
Jeffery W. Gunther
Kenneth J. Robinson
Abstract

Diversification opportunities for banks may be greater today because of the lessening of geographic restrictions. In addition, regional economies have undergone vast transformations, with relatively volatile industries often assuming a diminished role. To assess whether these changes have resulted in a more stable lending environment, Jeff Gunther and Ken Robinson form industry portfolios for banks based on their presence in different states and the mix of economic activity found in those states. The authors find that the risk underlying banks' lending environments declined from 1985 to 1996 because of both a geographic restructuring of the banking system and increasing industrial diversification of state economies.

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Article provided by Federal Reserve Bank of Dallas in its journal Economic and Financial Policy Review.

Volume (Year): (1999)
Issue (Month): Q II ()
Pages: 24-31
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Handle: RePEc:fip:fedder:y:1999:i:qii:p:24-31

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Keywords: Banks and banking ; Financial institutions;

References listed on IDEAS
Please report citation or reference errors to , or , if you are the registered author of the cited work, log in to your RePEc Author Service profile, click on "citations" and make appropriate adjustments.:

  1. Larry D. Wall & Alan K. Reichert & Sunil Mohanty, 1993. "Deregulation and the opportunities for commercial bank diversification," Economic Review, Federal Reserve Bank of Atlanta, issue Sep, pages 1-25.
  2. Rosen, Richard J. & Lloyd-Davies, Peter R. & Kwast, Myron L. & Humphrey, David B., 1989. "New banking powers : A portfolio analysis of bank investment in real estate," Journal of Banking & Finance, Elsevier, vol. 13(3), pages 355-366, July. [Downloadable!] (restricted)
  3. Michelle Clark Neely & David C. Wheelock, 1997. "Why does bank performance vary across states?," Review, Federal Reserve Bank of St. Louis, issue Mar, pages 27-40. [Downloadable!]
  4. Richard J. Rosen & Peter Lloyd-Davies & Myron L. Kwast & David B. Humphrey, 1988. "New banking powers: a portfolio analysis of bank investment in real estate," Finance and Economics Discussion Series 20, Board of Governors of the Federal Reserve System (U.S.).
  5. Jith Jayaratne & Philip E. Strahan, 1997. "The benefits of branching deregulation," Economic Policy Review, Federal Reserve Bank of New York, issue Dec, pages 13-29. [Downloadable!]
  6. Peter S. Rose, 1995. "Diversification and interstate banking," Proceedings, Federal Reserve Bank of Chicago, issue May, pages 296-313.
  7. Benston, George J & Hunter, William C & Wall, Larry D, 1995. "Motivations for Bank Mergers and Acquisitions: Enhancing the Deposit Insurance Put Option versus Earnings Diversification," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 27(3), pages 777-88, August. [Downloadable!] (restricted)
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Cited by:
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  1. Pierre-Guillaume Méon & Laurent Weill, 2005. "Can Mergers in Europe Help Banks Hedge Against Macroeconomic Risk?," Working Papers DULBEA 05-08.RS, Université libre de Bruxelles, Department of Applied Economics (DULBEA). [Downloadable!]
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  2. Colm Kearney & Frank Barry, 2005. "MNEs and Industrial Structure in Host Countries:A Mean Variance Analysis of Ireland’s Manufacturing Sector," The Institute for International Integration Studies Discussion Paper Series iiisdp023, IIIS. [Downloadable!]
  3. William Emmons & R. Gilbert & Timothy Yeager, 2004. "Reducing the Risk at Small Community Banks: Is it Size or Geographic Diversification that Matters?," Journal of Financial Services Research, Springer, vol. 25(2), pages 259-281, April. [Downloadable!] (restricted)
  4. Timothy J. Yeager, 2002. "The demise of community banks? local economic shocks aren't to blame," Supervisory Policy Analysis Working Papers 2002-03, Federal Reserve Bank of St. Louis. [Downloadable!]
  5. Timothy J. Yeager, 2002. "Community bank performance in the presence of county economic shocks," Supervisory Policy Analysis Working Papers 2002-11, Federal Reserve Bank of St. Louis. [Downloadable!]
  6. Pierre-Guillaume Méon & Laurent Weill, 2003. "A View of the European Union as an Evolving Country Portfolio," Working Papers of LaRGE (Laboratoire de Recherche en Gestion et Economie) 2003-04, Laboratoire de Recherche en Gestion et Economie, Université de Strasbourg (France). [Downloadable!]
    Other versions:
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