IDEAS home Printed from https://ideas.repec.org/a/ags/wjagec/32142.html
   My bibliography  Save this article

Effects Of Banking Structure On The Allocation Of Credit To Nonmetropolitan Communities

Author

Listed:
  • Barkley, David L.
  • Mellon, Cindy
  • Potts, Glenn T.

Abstract

Recent and proposed legislative changes encourage increases in multioffice banking activity. In this manuscript, the allocation of credit to nonmetropolitan communities in a branch banking state (Arizona) is compared to that in a unit banking-holding company state (Colorado). Rapidly growing nonmetropolitan areas have experienced increased lending activity under statewide branching relative to unit banking. Rural communities, which experienced slow or negative growth, had lower loan-to-deposit rations under branch banking than might have existed under unit banking. Therefore, conversion to branch banking may result in a reallocation of loanable funds within nonmetropolitan areas.

Suggested Citation

  • Barkley, David L. & Mellon, Cindy & Potts, Glenn T., 1984. "Effects Of Banking Structure On The Allocation Of Credit To Nonmetropolitan Communities," Western Journal of Agricultural Economics, Western Agricultural Economics Association, vol. 9(2), pages 1-10, December.
    • Handle: RePEc:ags:wjagec:32142
    DOI: 10.22004/ag.econ.32142
    as

    Download full text from publisher

    File URL: https://ageconsearch.umn.edu/record/32142/files/09020283.pdf
    Download Restriction: no
    File URL: https://libkey.io/10.22004/ag.econ.32142?utm_source=ideas
    LibKey link: if access is restricted and if your library uses this service, LibKey will redirect you to where you can use your library subscription to access this item
    ---><---

    References listed on IDEAS

    as
    1. Graddy, Duane B & Kyle, Reuben, III, 1980. "Affiliated Bank Performance and the Simultaneity of Financial Decision-Making," Journal of Finance, American Finance Association, vol. 35(4), pages 951-957, September.
    2. Blackwell, J Lloyd, III, 1977. "Branch Banking: A Note on a Theory Dilemma," The Journal of Business, University of Chicago Press, vol. 50(4), pages 520-525, October.
    Full references (including those not matched with items on IDEAS)

    Citations

    Citations are extracted by the CitEc Project, subscribe to its RSS feed for this item.
    as


    Cited by:

    1. Betubiza, Eustacious & Leatham, David, 1991. "A Tobit Analysis of Commercial Bank Lending to Agriculture in Texas," WAEA/ WFEA Conference Archive (1929-1995) 321417, Western Agricultural Economics Association.
    2. Green, Gary P. & Kwong, Tsz Man & Tigges, Leann M., 1995. "Embeddedness and capital markets: Bank financing of businesses," Journal of Behavioral and Experimental Economics (formerly The Journal of Socio-Economics), Elsevier, vol. 24(1), pages 129-149.
    3. Gustafson, Cole R. & Beauclair, Shaun C., 1990. "Community Development and Commercial Bank Performance: A Mutually-Dependent Relationship," Agricultural Economics Reports 23228, North Dakota State University, Department of Agribusiness and Applied Economics.
    4. Schmiesing, Brian H. & Edelman, Mark A. & Swinson, Cindy & Kolmer, Diane, 1985. "Differential Pricing Of Agricultural Operating Loans By Commercial Banks," Western Journal of Agricultural Economics, Western Agricultural Economics Association, vol. 10(2), pages 1-12, December.

    Most related items

    These are the items that most often cite the same works as this one and are cited by the same works as this one.
    1. John T. Rose, 1986. "Interstate Banking and Small Business Finance: Implications from Available Evidence," Entrepreneurship Theory and Practice, , vol. 11(2), pages 23-40, October.
    2. Huang, Jian & Jain, Bharat A. & Torna, Gökhan, 2018. "Anticipating loss from proxy contests," Journal of Business Research, Elsevier, vol. 83(C), pages 160-172.
    3. Torna, Gökhan, 2018. "The impact of expanded bank powers on loan portfolio decisions," Journal of Financial Stability, Elsevier, vol. 38(C), pages 1-17.
    4. Lawrence, Edward C., 1997. "The viability of minority-owned banks," The Quarterly Review of Economics and Finance, Elsevier, vol. 37(1), pages 1-21.

    More about this item

    Keywords

    Financial Economics;

    Statistics

    Access and download statistics

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:ags:wjagec:32142. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    If CitEc recognized a bibliographic reference but did not link an item in RePEc to it, you can help with this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: AgEcon Search (email available below). General contact details of provider: https://edirc.repec.org/data/waeaaea.html .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.