Factors influencing community bank performance in California
Community bank performance in California lagged well behind the industry and larger banks in the state during the first half of the 1990s. This paper identifies several factors that influenced the performance of these banks, which have less than $300 million in assets and typically operate in only one region of California, during the period from 1990 to 1994. The results suggest that regional conditions within California were an important factor in community bank performance. Management decisions, especially regarding loan portfolio concentration, also were a contributing factor. Community banks' increased reliance on real estate loans, and especially higher-risk commercial real estate and construction loans over the 1984 to 1994 period, played a significant role in lowering asset quality over the period studied.
Volume (Year): (1996)
Issue (Month): ()
|Contact details of provider:|| Postal: P.O. Box 7702, San Francisco, CA 94120-7702|
Phone: (415) 974-2000
Fax: (415) 974-3333
Web page: http://www.frbsf.org/
More information through EDIRC
|Order Information:|| Email: |
References listed on IDEAS
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.:
- Carolyn Sherwood-Call, 1993. "Whither California?," FRBSF Economic Letter, Federal Reserve Bank of San Francisco, issue aug8.
- Mark E. Levonian, 1994. "Interstate banking and risk," FRBSF Economic Letter, Federal Reserve Bank of San Francisco, issue jul22.
- Benton E. Gup & John R. Walter, 1989. "Top performing small banks: making money the old-fashioned way," Economic Review, Federal Reserve Bank of Richmond, issue Nov, pages 23-35.
- Frederick T. Furlong & Gary C. Zimmerman, 1995. "Consolidation: California style," FRBSF Economic Letter, Federal Reserve Bank of San Francisco, issue oct27.
- Sherrill Shaffer, 1989. "Challenges to small banks' survival," Business Review, Federal Reserve Bank of Philadelphia, issue Sep, pages 15-27.
- Katherine A. Samolyk, 1994. "U.S. banking sector trends: assessing disparities in industry performance," Economic Review, Federal Reserve Bank of Cleveland, issue Q II, pages 2-17.
- Leonard I. Nakamura, 1994. "Small borrowers and the survival of the small bank: is mouse bank Mighty or Mickey?," Business Review, Federal Reserve Bank of Philadelphia, issue Nov, pages 3-15.
- Roy H. Webb & William Whelpley, 1989. "Labor market data," Economic Review, Federal Reserve Bank of Richmond, issue Nov, pages 15-22.
- Elizabeth S. Laderman & Ronald H. Schmidt & Gary C. Zimmerman, 1991. "Location, branching, and bank portfolio diversification: the case of agricultural lending," Economic Review, Federal Reserve Bank of San Francisco, issue Win, pages 24-38.
When requesting a correction, please mention this item's handle: RePEc:fip:fedfer:y:1996:p:26-40:n:1. See general information about how to correct material in RePEc.
For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: (Diane Rosenberger)
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 references are entirely missing, you can add them using this form.
If the full references list an item that is present in RePEc, but the system did not link 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 profile, as there may be some citations waiting for confirmation.
Please note that corrections may take a couple of weeks to filter through the various RePEc services.