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The future of small banks

  • Alton Gilbert

This paper is a report to the Banking Supervision and Regulation Division on research that I conducted on the future of small banks while working in the Division as a Visiting Scholar. In this paper, small banks are identified as those with total assets less than $1 billion. Small banks have an important role in financing economic activity in the U.S., through their loans to small businesses. In addition, the Banking Supervision and Regulation Division of the St. Louis Fed has a vital interest in the future of small banks because most of the staff in this Division are involved in supervising small banks.

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File URL: http://www.stlouisfed.org/banking/pdf/SPA/SPA_2007_02.pdf
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Paper provided by Federal Reserve Bank of St. Louis in its series Supervisory Policy Analysis Working Papers with number 2007-02.

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Date of creation: 2007
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Handle: RePEc:fip:fedlsp:2007-02
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  1. Allen N. Berger, 2004. "Potential competitive effects of Basel II on banks in SME credit markets in the United States," Finance and Economics Discussion Series 2004-12, Board of Governors of the Federal Reserve System (U.S.).
  2. Robert Avery & Katherine Samolyk, 2004. "Bank Consolidation and Small Business Lending: The Role of Community Banks," Journal of Financial Services Research, Springer, vol. 25(2), pages 291-325, April.
  3. Robert DeYoung & William Hunter & Gregory Udell, 2004. "The Past, Present, and Probable Future for Community Banks," Journal of Financial Services Research, Springer, vol. 25(2), pages 85-133, April.
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