190 research outputs found

    Predicting de novo branch entry into rural markets

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    An investigation of the probability of de novo branch entry into rural banking markets in Ohio and Pennsylvania to determine whether potential competition is an effective disciplinary force in bank-market expansion.Bank competition ; Banking market ; Branch banks

    A proportional hazards model of bank failure: an examination of its usefulness as an early warning tool

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    An explanation of how a Cox proportional hazards model can be used to identify both failed and healthy banks with a high degree of accuracy using a relatively small set of publicly available data.Bank failures

    The impact of bank holding company consolidation: evidence from shareholder returns

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    A look at the expected net benefits of bank holding company consolidation by examining the behavior of the daily stock returns of a sample of 21 BHCs, using the event study technique.Bank holding companies

    Actual competition, potential competition, and bank profitability in rural markets

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    An empirical study of the relationship between market concentration and bank performance in rural markets, examining both actual and potential competition and controlling for risk, market share, and simultaneity.Banking market ; Bank competition ; Bank profits

    Multibank holding company organizational structure and performance

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    A study of how quantitative measures of the organizational centralization of 62 multibank holding companies relate to holding company profitability.Bank holding companies ; Banking structure

    Holding company interest-rate sensitivity: before and after October 1979

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    Since October 1979, market interest-rate movements have been frequent and large. Over the same time period, for a variety of reasons, competition has intensified in both bank loan and deposit markets. These developments have changed the benefits and costs of various types of asset/liability management strategies or alternatively a financial institution's level of interest-rate risk exposure. In this study, the rate-sensitivity postures of a sample of holding companies are examined over the 1977 to 1983 interval to determine whether and how asset/liability management strategies changed after October 1979. In general, the evidence suggests that holding companies reduced their exposure to rate risk in the immediate post-October 1979 period. However, this change does not appear to have been permanent. the data show a reversal of this pattern at a number of companies in 1982 and 1983.Asset-liability management ; Bank holding companies

    Concentration and profitability in non-MSA banking markets

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    An examination of the relationship between bank profitability and concentration using recent data from a sample of institutions drawn from non-metropolitan statistical area counties in Ohio and Pennsylvania.Banking market ; Banking structure ; Bank profits

    Using financial data to identify changes in bank condition

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    An empirical study using an early-warning bank failure prediction model and call-report data to predict deterioration in a bank's condition.Bank supervision ; Bank failures

    The effect of aging on ratings of self, physical self and related body concepts as measured by a semantic differential

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    Present Study. Although there is considerable overlap between the body image and the self concept, it would be premature to draw any conclusions regarding one based upon the other until the nature and extent of correlation is obtained. This study is an attempt to determine the extent and direction that an individual\u27s body image may fluctuate as a function of growing old. It is concerned with how the human organism may change over time with respect to a single aspect of the constellations of factors that go into making up a person\u27s self concept. More specifically, do body part ratings along a semantic differential get at the nature and extent of possible age changes in values and attitudes con­cerning the body image? If changes in body ratings between samples of different age groups are related to the aging process, it seems reasonable to assume that these changes will be generally in a negative (self depreciatory) direction after maturity, gradual rather than abrupt and tend to be irreversible. The following predictions are submitted : 1. Once early adulthood has been passed, there will be a more negative view of body parts in general. There will be a tendency for more pessimistic evaluations of the physical self. 2. Some categories of body concepts (e.g., external, internal or functions) will show earlier or later devaluation than others. 3. Some categories of body concepts will show a significant correlation with the physical self and the self ratings. 4. In the semantic differential technique there will be evaluative, potency and activity scales which may differ in assigned value for each category of concept

    Banking Industry Consolidation: Efficiency Issues

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    Failures, intra-company mergers of affiliate banks, and inter-company mergers and acquisitions together account for the disappearance of more than 4000 bank charters since 1987. This process of consolidation is beneficial if it drives inefficient banking organizations from the market and if it facilitates increased efficiency in the banking organizations that survive. In this paper, we consider the findings reported in previous studies and present results from new research of our own in an attempt to determine the impact of consolidation on banking industry efficiency. New evidence presented here suggests that failed banks are significantly less efficient than their peers 5 to 6 years prior to failure and that this performance differential often becomes evident before the appearance of major loan quality problems. Consistent with existing evidence, new evidence drawn from an event study indicates that intra-company consolidation is likely to have a small but significantly positive impact on holding company efficiency and profitability. Finally, both new and existing research on inter- company bank mergers finds that many of these transactions have a potential for efficiency gains that is not systematically exploited postmerger, results that suggest a non-efficiency motivation for bank mergers. When considered together, the results presented here suggest that efficiency is a useful indicator of a bank's competitive viability, and the intra- and inter-company mergers, at least within states, afford demonstrate that regulatory restrictions on geographic expansion and organizational form impose costs on banks that should be consciously considered by policy makers.
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