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Profitability And Risk Of U.S. Agricultural Banks

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  • Epperson, James E.
  • Zhang, Feng

Abstract

Study of profitability and risk of agricultural banks is very important in assessing the ability to adequately finance agricultural production and rural development. A recursive system of profitability and risk equations is estimated to compare the performance of agricultural with nonagricultural banks and to identify factors which affect performance. A linear regression model which measures risk-adjusted profitability confirms the results from the recursive system. Results show that agricultural banks perform better than nonagricultural counterparts on average even after controlling for risks and other factors. Further, off-balance-sheet business is found to be negatively related to the risk-adjusted profitability of agricultural banks.

Suggested Citation

  • Epperson, James E. & Zhang, Feng, 2005. "Profitability And Risk Of U.S. Agricultural Banks," 2005 Annual Meeting, February 5-9, 2005, Little Rock, Arkansas 35491, Southern Agricultural Economics Association.
  • Handle: RePEc:ags:saeafl:35491
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    File URL: http://purl.umn.edu/35491
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    Cited by:

    1. Frank Ametefe & A.Q.Q. Aboagye & E. Sarpongā€Kumankoma, 2010. "Housing and construction finance, deposit mobilisation and bank performance in Ghana," Journal of Property Research, Taylor & Francis Journals, vol. 28(2), pages 151-165, June.

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    Keywords

    Financial Economics;

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