1. Kevin Stiroh, 2004. "Do Community Banks Benefit from Diversification?," Journal of Financial Services Research, Springer, vol. 25(2), pages 135-160, April. [Downloadable!] (restricted)
2. Allen N. Berger & Iftekhar Hasan & Leora F. Klapper, 2004. "Further evidence on the link between finance and growth: An international analysis of community banking and economic performance," Finance 0404017, EconWPA. [Downloadable!]
   Other versions:
   • Berger, Allen N. & Hasan, Iftekhar & Klapper, Leora F., 2004. "Further evidence on the link between finance and growth: An international analysis of community banking and economic performance," Research Discussion Papers 8/2004, Bank of Finland. [Downloadable!]
   • Berger, Allen N & Hasan, Iftekhar & Klapper, Leora F., 2003. "Further evidence on the link between finance and growth : an international analysis of community banking and economic performance," Policy Research Working Paper Series 3105, The World Bank. [Downloadable!]
   • Allen N. Berger & Iftekhar Hasan & Leora F. Klapper, 2004. "Further evidence on the link between finance and growth: An international analysis of community banking and economic performance," Finance 0404016, EconWPA. [Downloadable!]
   • Allen N. Berger & Iftekhar Hasan & Leora F. Klapper, 2003. "Further evidence on the link between finance and growth: an international analysis of community banking and economic performance," Finance and Economics Discussion Series 2003-47, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]
   • Allen Berger & Iftekhar Hasan & Leora Klapper, 2004. "Further Evidence on the Link between Finance and Growth: An International Analysis of Community Banking and Economic Performance," Journal of Financial Services Research, Springer, vol. 25(2), pages 169-202, April. [Downloadable!] (restricted)
3. Gautam Gowrisankaran & Joanna Stavins, 2002. "Network externalities and technology adoption: lessons from electronic payments," Working Papers in Applied Economic Theory 2002-16, Federal Reserve Bank of San Francisco. [Downloadable!]
4. Jalal Akhavein & W. Scott Frame & Lawrence J. White, 2001. "The Diffusion of Financial Innovations: An Examination of the Adoption of Small Business Credit Scoring By Large Banking Organizations," Working Papers 01-08, New York University, Leonard N. Stern School of Business, Department of Economics. [Downloadable!]
   Other versions:
   • Jalal Akhavein & W. Scott Frame & Lawrence J. White, 2001. "The Diffusion of Financial Innovations: An Examination of The Adoption of Small Business Credit Scoring by Large Banking Organizations," Center for Financial Institutions Working Papers 01-19, Wharton School Center for Financial Institutions, University of Pennsylvania. [Downloadable!]
   • Jalal Akhavein & W. Scott Frame & Lawrence J. White, 2001. "The diffusion of financial innovations: an examination of the adoption of small business credit scoring by large banking organizations," Working Paper 2001-9, Federal Reserve Bank of Atlanta. [Downloadable!]
   • Jalal Akhavein & W. Scott Frame & Lawrence J. White, 2005. "The Diffusion of Financial Innovations: An Examination of the Adoption of Small Business Credit Scoring by Large Banking Organizations," Journal of Business, University of Chicago Press, vol. 78(2), pages 577-596, March. [Downloadable!]
   • Jalal Akhavein & W. Scott Frame & Lawrence J. White, 2001. "The diffusion of financial innovations: an examination of the adoption of small business credit scoring by large banking organizations," Proceedings, Federal Reserve Bank of Chicago, issue May, pages 294-314.
5. Allen N. Berger & Loretta J. Mester, 1997. "Inside the Black Box: What Explains Differences in the Efficiencies of Financial Institutions?," Center for Financial Institutions Working Papers 97-04, Wharton School Center for Financial Institutions, University of Pennsylvania. [Downloadable!]
   Other versions:
   • Allen N. Berger & Loretta J. Mester, 1997. "Inside the black box: what explains differences in the efficiencies of financial institutions?," Finance and Economics Discussion Series 1997-10, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]
   • Allen N. Berger & Loretta J. Mester, 1997. "Inside the black box: what explains differences in the efficiencies of financial institutions?," Working Papers 97-1, Federal Reserve Bank of Philadelphia. [Downloadable!]
   • Berger, Allen N. & Mester, Loretta J., 1997. "Inside the black box: What explains differences in the efficiencies of financial institutions?," Journal of Banking & Finance, Elsevier, vol. 21(7), pages 895-947, July. [Downloadable!] (restricted)
6. Loretta J. Mester, 1987. "Efficient production of financial services: scale and scope economies," Business Review, Federal Reserve Bank of Philadelphia, issue Jan, pages 15-25.
7. Allen N. Berger & Anthony Saunders & Joseph M. Scalise & Gregory F. Udell, 1998. "The Effects of Bank Mergers and Acquisitions on Small Business Lending," New York University, Leonard N. Stern School Finance Department Working Paper Seires 98-007, New York University, Leonard N. Stern School of Business-.
   Other versions:
   • Allen N. Berger & Anthony Saunders & Joseph M. Scalise & Gregory F. Udell, 1997. "The Effects of Bank Mergers and Acquisitions on Small Business Lending," New York University, Leonard N. Stern School Finance Department Working Paper Seires 97-1, New York University, Leonard N. Stern School of Business-.
   • Allen N. Berger & Anthony Saunders & Joseph M. Scalise & Gregory F. Udell, 1997. "The effects of bank mergers and acquisitions on small business lending," Finance and Economics Discussion Series 1997-28, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]
   • Allen N. Berger & Anthony Saunders & Joseph M. Scalise & Gregory F. Udell, 1997. "The effects of bank mergers and acquisitions on small business lending," Proceedings, Federal Reserve Bank of Chicago, issue May, pages 241-255.
   • Berger, Allen N. & Saunders, Anthony & Scalise, Joseph M. & Udell, Gregory F., 1998. "The effects of bank mergers and acquisitions on small business lending1," Journal of Financial Economics, Elsevier, vol. 50(2), pages 187-229, November. [Downloadable!] (restricted)
8. Lawrence White, 2003. "Focusing on Fannie and Freddie: The Dilemmas of Reforming Housing Finance," Journal of Financial Services Research, Springer, vol. 23(1), pages 43-58, February. [Downloadable!] (restricted)
9. Longstaff, Francis A, 1995. " How Much Can Marketability Affect Security Values?," Journal of Finance, American Finance Association, vol. 50(5), pages 1767-74, December. [Downloadable!] (restricted)
10. Strahan, Philip E. & Weston, James P., 1998. "Small business lending and the changing structure of the banking industry1," Journal of Banking & Finance, Elsevier, vol. 22(6-8), pages 821-845, August. [Downloadable!] (restricted)
11. Stiroh, Kevin J, 2004. "Diversification in Banking: Is Noninterest Income the Answer?," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 36(5), pages 853-82, October.
    Other versions:
    • Kevin J. Stiroh, 2002. "Diversification in banking: is noninterest income the answer?," Staff Reports 154, Federal Reserve Bank of New York. [Downloadable!]
12. Patric H. Hendershott & James D. Shilling, 1989. "The Impact of the Agencies on Conventional Fixed-Rate Mortgage Yields," NBER Working Papers 2646, National Bureau of Economic Research, Inc. [Downloadable!] (restricted)
13. Ben Craig & James Thomson, 2003. "Federal Home Loan Bank Lending to Community Banks: Are Targeted Subsidies Desirable?," Journal of Financial Services Research, Springer, vol. 23(1), pages 5-28, February. [Downloadable!] (restricted)
14. Timothy H. Hannan & John M. McDowell, 1984. "The Determinants of Technology Adoption: The Case of the Banking Firm," RAND Journal of Economics, The RAND Corporation, vol. 15(3), pages 328-335, Autumn. [Downloadable!] (restricted)
15. DeYoung, Robert & Hasan, Iftekhar, 1998. "The performance of de novo commercial banks: A profit efficiency approach," Journal of Banking & Finance, Elsevier, vol. 22(5), pages 565-587, May. [Downloadable!] (restricted)
16. N. Berger, Allen & F. Udell, Gregory, 1998. "The economics of small business finance: The roles of private equity and debt markets in the financial growth cycle," Journal of Banking & Finance, Elsevier, vol. 22(6-8), pages 613-673, August. [Downloadable!] (restricted)
    Other versions:
    • Allen N. Berger & Gregory F. Udell, 1998. "The economics of small business finance: the roles of private equity and debt markets in the financial growth cycle," Finance and Economics Discussion Series 1998-15, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]
17. Douglas D. Evanoff & Philip R. Israilevich, 1991. "Productive efficiency in banking," Economic Perspectives, Federal Reserve Bank of Chicago, issue Jul, pages 11-32. [Downloadable!]
18. Evren Ors, 2003. "The role of advertising in commercial banking," Proceedings, Federal Reserve Bank of Chicago, issue May, pages 454-470.
19. Petersen, Mitchell A & Rajan, Raghuram G, 1995. "The Effect of Credit Market Competition on Lending Relationships," The Quarterly Journal of Economics, MIT Press, vol. 110(2), pages 407-43, May. [Downloadable!] (restricted)
    Other versions:
    • Mitchell A. Petersen & Raghuram G. Rajan, 1994. "The Effect of Credit Market Competition on Lending Relationships," NBER Working Papers 4921, National Bureau of Economic Research, Inc. [Downloadable!] (restricted)
20. Hannan, Timothy H. & Prager, Robin A., 2004. "The competitive implications of multimarket bank branching," Journal of Banking & Finance, Elsevier, vol. 28(8), pages 1889-1914, August. [Downloadable!] (restricted)
    Other versions:
    • Timothy H. Hannan & Robin A. Prager, 2001. "The competitive implications of multimarket bank branching," Finance and Economics Discussion Series 2001-43, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]
21. Rossi, Clifford V., 1998. "Mortgage Banking Cost Structure: Resolving an Enigma," Journal of Economics and Business, Elsevier, vol. 50(2), pages 219-234, March. [Downloadable!] (restricted)
22. David Nickerson & Richard J. Sullivan, 2003. "Financial innovation, strategic real options and endogenous competition : theory and an application to Internet banking," Payments System Research Working Paper PSR WP 03-01, Federal Reserve Bank of Kansas City. [Downloadable!]
23. Berger, Allen N, 2003. " The Economic Effects of Technological Progress: Evidence from the Banking Industry," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 35(2), pages 141-76, April.
    Other versions:
    • Allen N. Berger, 2002. "The economic effects of technological progress: evidence from the banking industry," Finance and Economics Discussion Series 2002-50, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]
24. Jonathan Scott, 2004. "Small Business and the Value of Community Financial Institutions," Journal of Financial Services Research, Springer, vol. 25(2), pages 207-230, April. [Downloadable!] (restricted)
25. Boot, Arnoud W. A., 2000. "Relationship Banking: What Do We Know?," Journal of Financial Intermediation, Elsevier, vol. 9(1), pages 7-25, January. [Downloadable!] (restricted)
26. Gautam Gowrisankaran & Joanna Stavins, 2002. "Network Externalities and Technology Adoption: Lessons from Electronic Payments," NBER Working Papers 8943, National Bureau of Economic Research, Inc. [Downloadable!] (restricted)
27. DeYoung, Robert & Roland, Karin P., 2001. "Product Mix and Earnings Volatility at Commercial Banks: Evidence from a Degree of Total Leverage Model," Journal of Financial Intermediation, Elsevier, vol. 10(1), pages 54-84, January. [Downloadable!] (restricted)
28. Arnoud W. A. Boot & Anjan V. Thakor, 2000. "Can Relationship Banking Survive Competition?," Journal of Finance, American Finance Association, vol. 55(2), pages 679-713, 04. [Downloadable!] (restricted)
    Other versions:
    • Arnoud W.A. Boot & Anjan V. Thakor, 1998. "Can Relationship Banking survive Competition?," Tinbergen Institute Discussion Papers 98-038/2, Tinbergen Institute.
    • Boot, Arnoud W A & Thakor, Anjan, 1997. "Can Relationship Banking Survive Competition?," CEPR Discussion Papers 1592, C.E.P.R. Discussion Papers. [Downloadable!] (restricted)
29. Richard J. Sullivan, 2001. "Performance and operation of commercial bank web sites," Financial Industry Perspectives, Federal Reserve Bank of Kansas City, issue Dec, pages 23-33. [Downloadable!]
30. Hendershott, Patric H & Shilling, James D, 1989. "The Impact of the Agencies on Conventional Fixed-Rate Mortgage Yields," The Journal of Real Estate Finance and Economics, Springer, vol. 2(2), pages 101-15, June.
31. R. Alton Gilbert & David C. Wheelock & Paul W. Wilson, 2002. "New evidence on the Fed's productivity in providing payments services," Working Papers 2002-020, Federal Reserve Bank of St. Louis. [Downloadable!]
    Other versions:
    • Gilbert, R. Alton & Wheelock, David C. & Wilson, Paul W., 2004. "New evidence on the Fed's productivity in providing payments services," Journal of Banking & Finance, Elsevier, vol. 28(9), pages 2175-2190, September. [Downloadable!] (restricted)
32. Zoltan J. Acs, 1999. "The development and expansion of secondary markets for small business loans," Proceedings, Federal Reserve Bank of Chicago, issue Mar, pages 625-643. [Downloadable!]
33. James Bohn & Diana Hancock & Paul Bauer, 2001. "Estimates of scale and cost efficiency for Federal Reserve currency operations," Economic Review, Federal Reserve Bank of Cleveland, issue Q IV, pages 2-26. [Downloadable!]
34. Robert Avery & Katherine Samolyk, 2004. "Bank Consolidation and Small Business Lending: The Role of Community Banks," Journal of Financial Services Research, Springer, vol. 25(2), pages 291-325, April. [Downloadable!] (restricted)
35. Robert DeYoung, 2005. "The Performance of Internet-Based Business Models: Evidence from the Banking Industry," Journal of Business, University of Chicago Press, vol. 78(3), pages 893-948, May. [Downloadable!]
36. Frame, W Scott & Srinivasan, Aruna & Woosley, Lynn, 2001. "The Effect of Credit Scoring on Small-Business Lending," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 33(3), pages 813-25, August.
37. Robert Hauswald & Robert Marquez, 2003. "Information Technology and Financial Services Competition," Review of Financial Studies, Oxford University Press for Society for Financial Studies, vol. 16(3), pages 921-948, July. [Downloadable!] (restricted)
38. Allen N. Berger & Gregory F. Udell, 1991. "Securitization, risk, and the liquidity problem in banking," Finance and Economics Discussion Series 181, Board of Governors of the Federal Reserve System (U.S.).
39. William R. Keeton, 2000. "Are mergers responsible for the surge in new bank charters?," Economic Review, Federal Reserve Bank of Kansas City, issue Q I, pages 21-41. [Downloadable!]
40. Allen N. Berger & Gregory F. Udell, 2002. "Small Business Credit Availability and Relationship Lending: The Importance of Bank Organisational Structure," Economic Journal, Royal Economic Society, vol. 112(477), pages F32-F53, February. [Downloadable!] (restricted)
    Other versions:
    • Allen N. Berger & Gregory F. Udell, 2001. "Small business credit availability and relationship lending: the importance of bank organizational structure," Finance and Economics Discussion Series 2001-36, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]
41. Degryse, H. & Ongena, S., 2002. "Distance, lending relationships, and competition," Discussion Paper 16, Tilburg University, Center for Economic Research. [Downloadable!]
    Other versions:
    • Hans Degryse & Steven Ongena, 2002. "Distance, Lending Relationships, and Competition," CSEF Working Papers 80, Centre for Studies in Economics and Finance (CSEF), University of Naples, Italy. [Downloadable!]
    • Ongena, S. & Degreyse, H.A., 2003. "Distance, lending relationships, and competition," Discussion Paper 123, Tilburg University, Center for Economic Research. [Downloadable!]
    • Hans Degryse & Steven Ongena, 2005. "Distance, Lending Relationships, and Competition," Journal of Finance, American Finance Association, vol. 60(1), pages 231-266, 02. [Downloadable!] (restricted)
42. Jeffrey A. Clark, 1988. "Economies of scale and scope at depository financial institutions: a review of the literature," Economic Review, Federal Reserve Bank of Kansas City, issue Sep, pages 16-33. [Downloadable!]

Cited by:
(explanations, 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. Gabriel Jiménez & Vicente Salas-Fumás & Jesús Saurina, 2008. "Organizational distance and use of collateral for business loans," Banco de España Working Papers 0816, Banco de España. [Downloadable!]
2. Allen N. Berger & Adrian M. Cowan & W. Scott Frame, 2009. "The surprising use of credit scoring in small business lending by community banks and the attendant effects on credit availability and risk," Working Paper 2009-09, Federal Reserve Bank of Atlanta. [Downloadable!]
3. Robert DeYoung & Anne Gron & Andrew Winton, 2005. "Risk overhang and loan portfolio decisions," Working Paper Series WP-05-04, Federal Reserve Bank of Chicago. [Downloadable!]
4. Robert DeYoung & Evren Örs, 2004. "Advertising and pricing at multiple-output firms: evidence from U.S. thrift institutions," Working Paper Series WP-04-25, Federal Reserve Bank of Chicago. [Downloadable!]
5. Allen N. Berger & Astrid A. Dick & Lawrence G. Goldberg & Lawrence J. White, 2005. "The effects of competition from large, multimarket firms on the performance of small, single-market firms: evidence from the banking industry," Finance and Economics Discussion Series 2005-15, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]
6. Martin Cihák & Klaus Schaeck & Simon Wolfe, 2006. "Are More Competitive Banking Systems More Stable?," IMF Working Papers 06/143, International Monetary Fund. [Downloadable!]
7. Bongini, Paola & Di Battista, Maria Luisa & Zavarrone, Emma, 2006. "David and Goliath: small banks in an era of consolidation. Evidence from Italy," MPRA Paper 4841, University Library of Munich, Germany. [Downloadable!]
8. Robin A. Prager & John D. Wolken, 2008. "The evolving relationship between community banks and small businesses: evidence from the Surveys of Small Business Finances," Finance and Economics Discussion Series 2008-60, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]
9. Jessica Holmes & Jonathan Isham & Ryan Petersen & Paul Sommers, 2005. "Does Relationship Lending Still Matter in the Consumer Banking Sector? Evidence from Two Financial Service Organizations in Vermont," Middlebury College Working Paper Series 0511, Middlebury College, Department of Economics. [Downloadable!]
10. Antonio Lopes & Luca Giordano, 2006. "Risk Preference and Investments Quality as Determinants of Efficiency in the Italian Banking System," Quaderni DSEMS 12-2006, Dipartimento di Scienze Economiche, Matematiche e Statistiche, Universita' di Foggia. [Downloadable!]
11. Alton Gilbert, 2007. "The future of small banks," Supervisory Policy Analysis Working Papers 2007-02, Federal Reserve Bank of St. Louis. [Downloadable!]
12. de la Torre, Augusto & Soledad Martinez Peria, Maria & Schmukler , Sergio L., 2008. "Bank involvement with SMEs : beyond relationship lending," Policy Research Working Paper Series 4649, The World Bank. [Downloadable!]
13. Örs, Evren, 2006. "The Role of Advertising in Commercial Banking," CEPR Discussion Papers 5461, C.E.P.R. Discussion Papers. [Downloadable!] (restricted)
14. Degryse, H.A. & Cerqueiro, G.M. & Ongena, S., 2007. "Distance, Bank Organizational Structure and Credit," Discussion Paper 2007-018, Tilburg University, Tilburg Law and Economic Center. [Downloadable!]
15. R. Alton Gilbert & David C. Wheelock, 2007. "Measuring commercial bank profitability: proceed with caution," Review, Federal Reserve Bank of St. Louis, issue Nov, pages 515-532. [Downloadable!]
16. Acharya, Ram N. & Kagan, Albert & Richards, Timothy J., 2006. "Profitability and Long-term Survival of Community Banks: Evidence from Texas," 2006 Annual meeting, July 23-26, Long Beach, CA 21453, American Agricultural Economics Association (New Name 2008: Agricultural and Applied Economics Association). [Downloadable!]
17. Richards, Timothy J. & Acharya, Ram N. & Kagan, Albert, 2007. "Spatial Competition and Market Power in Banking," 2007 1st Forum, February 15-17, 2007, Innsbruck, Austria 6566, International European Forum on Innovation and System Dynamics in Food Networks. [Downloadable!]
18. Jessica A. Holmes & Jonathan T. Isham & Paul M. Sommers, 2007. "Is George Bailey Dead?," Applied Financial Economics Letters, Taylor and Francis Journals, vol. 3(1), pages 19-24, January. [Downloadable!] (restricted)