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The decline in core deposits : what can banks do?

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Author Info

  • James Harvey
  • Kenneth Spong

Abstract

In recent years, growth in traditional deposit funding sources has failed to match the growth in assets at many banks. These funding shortfalls are raising a number of important concerns, including whether community banks will have to curtail lending to small businesses, farmers, and other local customers. This article takes a look at bank funding trends and their implications for community banks. The article also examines possible explanations for the trends, such as strong loan demand, shifts in household financial portfolios, new competition, comparative returns on other financial instruments, and changing demographics in community banking markets. The final section of the article then explores the options and strategies community banks can use to address their funding challenges.

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File URL: http://www.kansascityfed.org/PUBLICAT/FIP/prs01-4.pdf
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Bibliographic Info

Article provided by Federal Reserve Bank of Kansas City in its journal Financial Industry Perspectives.

Volume (Year): (2001)
Issue (Month): Dec ()
Pages: 35-48

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Handle: RePEc:fip:fedkfi:y:2001:i:dec:p:35-48

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Postal: 1 Memorial Drive, Kansas City, MO 64198-0001
Phone: (816) 881-2254
Web page: http://www.kansascityfed.org/
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Related research

Keywords: Federal Reserve District; 10th ; Banks and banking ; Bank deposits;

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Cited by:
  1. Isabelle Distinguin & Caroline Roulet & Amine Tarazi, 2012. "Bank regulatory Capital Buffer and Liquidity: Evidence from US and European Publicly Traded Banks," Working Papers hal-00918468, HAL.
  2. Memmel, Christoph & Schertler, Andrea, 2009. "The dependency of the banks' assets and liabilities: evidence from Germany," Discussion Paper Series 2: Banking and Financial Studies 2009,14, Deutsche Bundesbank, Research Centre.

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