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U.S. banking sector trends: assessing disparities in industry performance

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  • Katherine A. Samolyk

Abstract

An investigation of the extent to which variations in banking conditions over the past decade were associated with differences in bank size and holding company relationships, finding that very large banks had more problems with loan quality and poor profitability than did smaller banks, and that smaller banks benefited by affiliating with holding companies.

Suggested Citation

  • Katherine A. Samolyk, 1994. "U.S. banking sector trends: assessing disparities in industry performance," Economic Review, Federal Reserve Bank of Cleveland, vol. 30(Q II), pages 2-17.
    • Handle: RePEc:fip:fedcer:y:1994:i:qii:p:2-17:n:v.30no.2
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    References listed on IDEAS

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    1. Berger, Allen N & Hannan, Timothy H, 1989. "The Price-Concentration Relationship in Banking," The Review of Economics and Statistics, MIT Press, vol. 71(2), pages 291-299, May.
    2. John H. Boyd & Mark Gertler, 1993. "US 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. Berger, Allen N. & Hanweck, Gerald A. & Humphrey, David B., 1987. "Competitive viability in banking : Scale, scope, and product mix economies," Journal of Monetary Economics, Elsevier, vol. 20(3), pages 501-520, December.
    4. 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, vol. 73(Sep), pages 16-33.
    5. Katherine A. Samolyk, 1992. "Bank performance and regional economic growth: evidence of a regional credit channel," Working Papers (Old Series) 9204, Federal Reserve Bank of Cleveland.
    6. John H. Boyd & Stanley L. Graham, 1991. "Investigating the banking consolidation trend," Quarterly Review, Federal Reserve Bank of Minneapolis, vol. 15(Spr), pages 3-15.
    7. David C. Wheelock, 1993. "Is the banking industry in decline? Recent trends and future prospects from a historical perspective," Review, Federal Reserve Bank of St. Louis, issue Sep, pages 3-22.
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    Cited by:

    1. Rebecca Demsetz & Philip E. Strahan, 1995. "Diversification, size, and risk at bank holding companies," Research Paper 9506, Federal Reserve Bank of New York.
    2. Jokipii, Terhi & Milne, Alistair, 2011. "Bank capital buffer and risk adjustment decisions," Journal of Financial Stability, Elsevier, vol. 7(3), pages 165-178, August.
    3. James W. Kolari & Charles C. Ou & G. Hwan Shin, 2006. "Assessing the Profitability and Riskiness of Small Business Lenders in the Banking Industry," Journal of Entrepreneurial Finance, Pepperdine University, Graziadio School of Business and Management, vol. 11(2), pages 1-26, Summer.
    4. Hartarska, Valentina M., 2006. "Rating in Microfinance: Cross-Country Evidence," 2006 Annual Meeting, August 12-18, 2006, Queensland, Australia 25506, International Association of Agricultural Economists.
    5. Hartarska, Valentina & Nadolnyak, Denis, 2008. "Does rating help microfinance institutions raise funds? Cross-country evidence," International Review of Economics & Finance, Elsevier, vol. 17(4), pages 558-571, October.
    6. James Kolari & Robert Berney & Charles Ou, 1996. "Small Business Lending and Bank Profitability," Journal of Entrepreneurial Finance, Pepperdine University, Graziadio School of Business and Management, vol. 5(1), pages 1-15, Spring.
    7. Gary C. Zimmerman, 1996. "Factors influencing community bank performance in California," Economic Review, Federal Reserve Bank of San Francisco, pages 26-40.
    8. Michelle Clark Neely & David C. Wheelock, 1997. "Why does bank performance vary across states?," Review, Federal Reserve Bank of St. Louis, issue Mar, pages 27-40.

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