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Evaluating The Performance Of Agricultural Bank Management: The Impact Of State Regulatory Policies


  • Armah, Bernard Kaku Ndarku
  • Park, Timothy A.
  • Lovell, C.A. Knox


We evaluate agricultural bank management performance, focusing on the impacts of interstate banking laws on productivity change. The generalized Malmquist productivity index decomposes productivity change into technological change, technical efficiency change, and change in scale economies. While managerial productivity rose from 1982 to 1991, states that adopt the most liberal interstate banking laws experienced the greatest improvement in productivity. Large agricultural banks were more efficient in states that had more liberalized interstate banking laws while small agricultural banks fared better in states with more restrictive laws.

Suggested Citation

  • Armah, Bernard Kaku Ndarku & Park, Timothy A. & Lovell, C.A. Knox, 1999. "Evaluating The Performance Of Agricultural Bank Management: The Impact Of State Regulatory Policies," Journal of Agricultural and Applied Economics, Southern Agricultural Economics Association, vol. 31(03), December.
  • Handle: RePEc:ags:joaaec:15145

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    References listed on IDEAS

    1. Chong, Beng Soon, 1991. "The Effects of Interstate Banking on Commercial Banks' Risk and Profitability," The Review of Economics and Statistics, MIT Press, vol. 73(1), pages 78-84, February.
    2. John H. Boyd & Mark Gertler, 1993. "U.S. Commercial Banking: Trends, Cycles, and Policy," NBER Chapters,in: NBER Macroeconomics Annual 1993, Volume 8, pages 319-377 National Bureau of Economic Research, Inc.
    3. Economides, Nicholas & Hubbard, R Glenn & Palia, Darius, 1996. "The Political Economy of Branching Restrictions and Deposit Insurance: A Model of Monopolistic Competition among Small and Large Banks," Journal of Law and Economics, University of Chicago Press, vol. 39(2), pages 667-704, October.
    4. Allen M. Featherstone & Charles B. Moss, 1994. "Measuring Economies of Scale and Scope in Agricultural Banking," American Journal of Agricultural Economics, Agricultural and Applied Economics Association, vol. 76(3), pages 655-661.
    5. Sergio H. Lence, 1997. "Recent Structural Changes in the Banking Industry, Their Causes and Effects: A Literature Survey," Review of Agricultural Economics, Agricultural and Applied Economics Association, vol. 19(2), pages 371-402.
    6. P. A. V. B. Swamy & James R. Barth & Ray Y. Chou & John S. Jahera, 1995. "Determinants of U.S. commercial bank performance: regulatory and econometric issues," Finance and Economics Discussion Series 95-29, Board of Governors of the Federal Reserve System (U.S.).
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    Cited by:

    1. Fengxia Dong & Allen Featherstone, 2006. "Technical and Scale Efficiencies for Chinese Rural Credit Cooperatives: A Bootstrapping Approach in Data Envelopment Analysis," Journal of Chinese Economic and Business Studies, Taylor & Francis Journals, vol. 4(1), pages 57-75.


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