Download or read book Interstate Banking Branching Organization Size and Market Rivalry written by Gary Whalen and published by . This book was released on 2000 with total page 56 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Interstate Banking Branching Organization Size and Market Rivalry written by Gary Whalen and published by . This book was released on 2000 with total page 44 pages. Available in PDF, EPUB and Kindle. Book excerpt: "The 1994 Reigle-Neal Act gave multistate bank holding companies the option to convert to an interstate branch bank structure by authorizing the merger of bank subsidiaries across state lines. Over the following five year period, an increasing number of banking companies, including a number of very large ones, have done so. As a result, large companies operating through interstate branches have come to account for a significant share of deposits in many local markets and relatively little research has focused specifically on the competitive effects of this trend. This is a potentially important issue because the performance and competitive effects of large, multistate branch banks could differ from those associated with the operation of separately incorporated bank subsidiaries by multibank holding companies. In this study, measures of competitive rivalry are constructed using Summary of Deposit data for all urban (MSA) markets in the U.S. for each year over the 1995-1999 period. Tobit models are estimated using the data pooled over the entire period to determine whether and how alternative measures of the extent to which multistate banking companies operate in the market influence the rivalry variables. The aim of the analysis is to determine if the results are sensitive to the size of multistate companies, the location of the market (home state vs. out-of-state), or the organizational form used by nonlocal competitors (interstate branches vs. bank subsidiaries). The results show a positive relationship between large multistate multibank holding company (MSMBHC) deposit share and rivalry when a simple linear specification is used. Adding a concentration-MSMBHC share interaction term to the equation reveals that the positive effect of MSMBHC share on rivalry rises with market concentration. This result is largely attributable to the behavior of MSMBHCs operating outside their home state. When the separate effects of interstate branches and out-of-state bank subs are examined, only the former is found to be significantly related to rivalry. And in these equations, the pattern of the estimated coefficients on the aggregate interstate branch deposit share variables is the same as that seen in the other equations (a positive coefficient in the absence of the interaction term, and a positive coefficient on the interaction term when it is included). These results do not change, and in fact, are typically stronger when the deposit shares are calculated using only large multistate holding companies. They also do not change greatly when markets where the identity of the top-tier firms changed are excluded or when random-effects Tobit specifications are used"--Office of the Comptroller of the Currency web site.
Download or read book Interstate Banking and Branching written by and published by . This book was released on 1994 with total page 44 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Interstate Bank Expansion Market Forces and Competitive Realities written by Florida Interstate Banking Study Group and published by . This book was released on 1984 with total page 492 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book The Impact of the Growth of Large Multistate Banking Organizations on Community Bank Profitability written by Gary Whalen and published by . This book was released on 2001 with total page 54 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Interstate Banking and Branching written by United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Financial Institutions Supervision, Regulation, and Deposit Insurance and published by . This book was released on 1994 with total page 200 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Interstate Banking written by United States. General Accounting Office and published by . This book was released on 1994 with total page 118 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Interstate Banking written by DIANE Publishing Company and published by DIANE Publishing. This book was released on 1995-11 with total page 216 pages. Available in PDF, EPUB and Kindle. Book excerpt: Focuses on the following three areas: (1) the impact of interstate banking on the structure of the banking industry; (2) the implications of removing interstate banking and branching laws on the safety and soundness of the banking industry; and (3) the risks associated with removing interstate banking and branching laws and ways to minimize such risks. Charts and tables.
Download or read book Interstate Banking written by United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Financial Institutions Supervision, Regulation and Insurance and published by . This book was released on 1985 with total page 572 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Geographic Restrictions on Commercial Banking in the United States written by United States. President (1977-1981 : Carter) and published by . This book was released on 1981 with total page 310 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Switching Primary Federal Regulators Is it Beneficial for U S Banks written by Richard J. Rosen and published by DIANE Publishing. This book was released on 2008-08 with total page 18 pages. Available in PDF, EPUB and Kindle. Book excerpt: Examines the impact of switching primary federal regulators on banks¿ return and risk, using data from 1977 to 2001. Return increases and risk changes minimally for banks that switch regulators from 1992 to 2003, while there is no significant change in either return or risk for banks switching earlier. The improved performance at banks switching between 1992 and 2003 is evidence for beneficial competition among regulators, and the absence of an increase in risk throughout the sample period is inconsistent with a ¿race for the bottom¿ among regulators. Tables and graphs.
Download or read book Interstate Banking and Insurance Activities of National Banks written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs and published by . This book was released on 1994 with total page 310 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Effects of Consolidation on the State of Competition in the Financial Services Industry written by United States. Congress. House. Committee on the Judiciary and published by . This book was released on 1999 with total page 118 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Out of state Entry and the Cost Efficiency of Local Commercial Banks written by Robert DeYoung and published by . This book was released on 1997 with total page 34 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Regulation of Banks and Finance written by Carlos A. Peláez and published by Springer. This book was released on 2009-11-18 with total page 287 pages. Available in PDF, EPUB and Kindle. Book excerpt: As the financial crisis engulfs the world economy, there is an ambitous agenda for regulatory reform. This book provides a comprehensive review of the analysis of finance, economics and the law and economics, illuminating past and current banking and financial regulation designed to prevent another credit/dollar crisis and global recession.
Download or read book The Changing Market in Financial Services written by R. Alton Gilbert and published by Springer Science & Business Media. This book was released on 2012-12-06 with total page 247 pages. Available in PDF, EPUB and Kindle. Book excerpt: The articles and commentaries included in this volume were presented at the Federal Reserve Bank of St. Louis' fifteenth annual economic policy conference. The conference focused on the effects of a variety of recent changes in the market for financial services in the United States. This market has been changing rapidly in recent years: business loans have become more liquid, as the market for loan sales grows. Banks have been permitted to participate in a limited form of interstate banking. Commercial banks have been given permission to offer additional underwriting services. The market for residential mortgage credit has been transformed, through securitization and the declining role of savings and loan associations. Foreign financial firms have taken a rising share of the market financial services. The papers in this volume describe these changes and examine implications for financial institutions and their customers.
Download or read book Technical Bulletin written by and published by . This book was released on 1927* with total page 144 pages. Available in PDF, EPUB and Kindle. Book excerpt:
