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Differential Pricing Of Agricultural Operating Loans By Commercial Banks

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  • Schmiesing, Brian H.
  • Edelman, Mark A.
  • Swinson, Cindy
  • Kolmer, Diane

Abstract

Differential and variable interest rate pricing strategies are used for agricultural operating loans by the majority of South Dakota commercial banks. However, the prevalence does vary by legal organization. Significant differences were found among differential interest rate pricing structures of independent banks, branch banks, and multibank holding company affiliates.

Suggested Citation

  • 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.
    • Handle: RePEc:ags:wjagec:32330
    DOI: 10.22004/ag.econ.32330
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    References listed on IDEAS

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    1. LaDue, Eddy L. & Moss, Jerry L. & Smith, Robert S., 1978. "The Profitability Of Agricultural Loans By Commercial Banks," Journal of the Northeastern Agricultural Economics Council, Northeastern Agricultural and Resource Economics Association, vol. 7(01), pages 1-5, April.
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    5. Eddy L. LaDue & David J. Leatham, 1984. "Floating versus Fixed-Rate Loans in Agriculture: Effects on Borrowers, Lenders, and the Agriculture Sector," American Journal of Agricultural Economics, Agricultural and Applied Economics Association, vol. 66(5), pages 607-613.
    6. Hardy, William E., Jr. & Moore, Michael W., 1980. "The Profitability Of Agricultural Customers For Commercial Banks In The Southeast," Southern Journal of Agricultural Economics, Southern Agricultural Economics Association, vol. 12(01), pages 1-4, July.
    7. 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.
    8. Barth, James R & Cordes, Joseph J & Yezer, Anthony M J, 1983. "An Analysis of Informational Restrictions on the Lending Decisions of Financial Institutions," Economic Inquiry, Western Economic Association International, vol. 21(3), pages 349-360, July.
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    Cited by:

    1. Steven C. Blank, 1991. "Will agricultural toxics chase lenders back to the city?," Agribusiness, John Wiley & Sons, Ltd., vol. 7(6), pages 577-583.

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