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Birth, growth, and life or death of newly chartered banks

  • Robert DeYoung
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    Thousands of new commercial banks have been chartered in the U.S. over the past two decades. This article documents how the financial characteristics of new banks evolve over time, develops a simple theory of why and when new banks fail, and tests the theory using a variety of methods.

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    File URL: http://www.chicagofed.org/digital_assets/publications/economic_perspectives/1999/ep3Q99_2.pdf
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    Article provided by Federal Reserve Bank of Chicago in its journal Economic Perspectives.

    Volume (Year): (1999)
    Issue (Month): Q III ()
    Pages: 18-35

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    Handle: RePEc:fip:fedhep:y:1999:i:qiii:p:18-35:n:v.23no.3
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    1. Brewer, Elijah III, 1989. "Relationship between bank holding company risk and nonbank activity," Journal of Economics and Business, Elsevier, vol. 41(4), pages 337-353, November.
    2. Wheelock, David C & Wilson, Paul W, 1995. "Explaining Bank Failures: Deposit Insurance, Regulation, and Efficiency," The Review of Economics and Statistics, MIT Press, vol. 77(4), pages 689-700, November.
    3. DeYoung, Robert & Hasan, Iftekhar, 1998. "The performance of de novo commercial banks: A profit efficiency approach," Journal of Banking & Finance, Elsevier, vol. 22(5), pages 565-587, May.
    4. Rebel A. Cole & Jeffery W. Gunther, 1993. "Separating the likelihood and timing of bank failure," Financial Industry Studies Working Paper 93-2, Federal Reserve Bank of Dallas.
    5. DeYoung, Robert & Goldberg, Lawrence G. & White, Lawrence J., 1999. "Youth, adolescence, and maturity of banks: Credit availability to small business in an era of banking consolidation," Journal of Banking & Finance, Elsevier, vol. 23(2-4), pages 463-492, February.
    6. Gary Whalen, 1991. "A proportional hazards model of bank failure: an examination of its usefulness as an early warning tool," Economic Review, Federal Reserve Bank of Cleveland, issue Q I, pages 21-31.
    7. Allen N. Berger & Seth D. Bonime & Lawrence G. Goldberg & Lawrence J. White, 1999. "The dynamics of market entry: the effects of mergers and acquisitions on de novo entry in banking," Proceedings 612, Federal Reserve Bank of Chicago.
    8. William C. Hunter & Aruna Srinivasan, 1990. "Determinants of de novo bank performance," Economic Review, Federal Reserve Bank of Atlanta, issue Mar, pages 14-25.
    9. Patricia Brislin & Anthony M. Santomero, 1991. "De novo banking in the third district," Business Review, Federal Reserve Bank of Philadelphia, issue Jan, pages 3-12.
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