The Changing Financial Structure of the Commercial Banking Industry (1992-2004)

The consolidation trend experienced by the commercial banking industry over more than two decades has had a significant effect on the financial structure of these institutions. This study examines commercial bank balance sheets by various asset size institutions; identifies the changing patterns of assets, liabilities, and equity accounts for these banks. The most interesting findings have been the significant growth in residential real estate loans at larger banks, financed by relatively inexpensive money market deposits, and the fact that equity accounts of every asset category in these banks have expanded significantly, reflecting the growing financial strength of the industr

Consolidation in the Commercial Banking Industry

This study describes the characteristics of the consolidation trend in the commercial banking industry over the last decade. Smaller banks are disappearing and the largest banks are growing rapidly. Due to economies of scale and scope, the largest banking entities have paid the highest rates on savings, charged the lowest rates on loans, and have been able to operate efficiently with the lowest levels of expensive equity capital. The study also suggests that these trends and patterns have not yet played themselves out, thus, continued consolidation is expected, at least over the next few years

The Credit Union Industry in the Financial Services Marketplace of the 21st Century

The credit union industry has been consolidating for more than a quarter century, as well as broadening and diversifying its product and service offerings. In this period the operating performance and internal structure of the industry has been evolving in a number of ways. This study examines the changing chartering patterns of credit unions between state and federal. The number of credit unions, the number of members, and the assets held by credit unions in each of these categories have been growing at different rates. We examine these patterns of development and project the expected changes in structure through the year 2010

Credit Union Industry Consolidation in the 1990s

The financial services industry has been consolidating for more than two decades. This study examines the extent and affects of the deregulation movement on the credit union industry. It identifies a number of operational factors that have contributed to growth of the average size credit union in the 1990s and benefits to members that have resulted from this consolidation trend