Decline in State Chartered Banks: Causes, Concerns, and Conclusions

Afdahl, B., Allred, P., Bacon, R., Cooper, C., Cotney, D., Deal, S., Fite, T., Gonzales, G., Hall, M., Kingry, L., Noring, V., Seymour, S. (2015). “The public benefit of state services regulation.” Conference of State Bank Supervisors white paper.Search in Google Scholar

Agarwal, S., Lucca, R. Seru, A., and Trebbi, F. (2012), “Inconsistent Regulators: Evidence From Banking.” The Quarterly Journal of Economics. Vol. 129, pp. 889-938.10.3386/w17736Search in Google Scholar

Amel D, Barnes C, Panetta F, Salleo C (2004) “Consolidation and efficiency in the financial sector: a review of the international evidence.” Journal of Banking & Finance. Vol. 28, pp 2493–2519.10.1016/j.jbankfin.2003.10.013Open DOISearch in Google Scholar

Aubuchon, C.P. and Wheelock, D.C. (2010), “The geographic distribution and characteristics of US bank failures, 2007-2010: do bank failures still reflect local economic conditions?”, Federal Reserve Bank of St Louis Review, Vol. 92 No. 5, pp. 395-415.10.20955/r.92.395-415Search in Google Scholar

Berger AN (2003) “The economic effects of technological progress: evidence from the banking industry.” Journal of Money, Credit & Banking Vol. 35, pp. 141–176.10.1353/mcb.2003.0009Search in Google Scholar

Cole, R.A. and White, L.J. (2011), “Déjà Vu all over again: the causes of US commercial bank failures this time around”, Journal of Financial Services Research. Vol. 42 No. 1, pp. 5-29.10.1007/BF01052936Search in Google Scholar

DeYoung, Robert, Douglas D. Evanoff, and Philip Molyneux (2009). “Mergers and Acquisitions of Financial Institutions: A Review of the Post-2000 Literature,” Journal of Financial Services Research, vol. 36. No. 2, pp. 87-110.10.1007/s10693-009-0066-7Open DOISearch in Google Scholar

Dymski G.A (1999) The bank merger wave: the economic causes and social consequences of financial consolidation. Armonk, New York. M.E. Sharpe.Search in Google Scholar

Emmons, W. R., Gilbert, R. A., & Yeager, T. J. (2004). Reducing the risk at small community banks: is it size or geographic diversification that matters? Journal of Financial Services Research, 25(2-3), 259-281.10.1023/B:FINA.0000020665.54596.f6Open DOISearch in Google Scholar

Federal Deposit Insurance Corporation. “Statistics on Depository Institutions.” https://www5.fdic.gov/sdi/main.asp?formname=compare Accessed March 20, 2017.Search in Google Scholar

Federal Reserve of St. Louis. “Total Assets, All Commercial Banks.” https://fred.stlouisfed.org/series/TLAACBW027SBOG. Accessed April 26, 2018Search in Google Scholar

Federal Reserve of St. Louis. “Commercial Banks in the U.S” https://fred.stlouisfed.org/series/USNUM. Accessed April 26, 2018.Search in Google Scholar

Feldman, R., Schmidt, J., and Heinecke, K. (2013) “Quantifying the Costs of Additional Regulation on Community Banks.” Minneapolis Federal Reserve.Search in Google Scholar

Gambacorta, L. (2004). “Does bank capital affect lending behavior?” Journal of Financial Intermediation. Vol. 13, No. 4, pp. 436-457.10.1016/j.jfi.2004.06.001Open DOISearch in Google Scholar

Greene, R., and Lux, M. (2015). “The State and Fate of Community Banking.” Mossavar-Rahmani Center for Business and Government. Associate Working Paper Series No. 37.Search in Google Scholar

Jagtiani, J., & Lemieux, C. (2016). Small business lending after the financial crisis: A new competitive landscape for community banks. Economic perspectives, 3, 1-30.Search in Google Scholar

Jin, Y.J., Kanagaretnam, K. and Lobo, G.J. (2011), “Ability of accounting and audit quality variables to predict bank failure during the financial crisis”, Journal of Banking & Finance, Vol. 35 No. 11, pp. 2811-281910.1016/j.jbankfin.2011.03.005Search in Google Scholar

Lu, W., Whidbee, D. (2013). “Bank structure and failure during the financial crisis.” Journal of Financial Economic Policy. Vol. 5, No. 3, pp. 281-299.10.1108/JFEP-02-2013-0006Search in Google Scholar

Marsh, T., and Norman, JW (2013). “The Impact of Dodd-Frank on Community Banks.” Wake Forest Univ. Legal Studies Paper No. 2302392.10.2139/ssrn.2302392Search in Google Scholar

Mason, B. (2016). “The Federal Government Assesses Dodd-Frank’s Impact on Financial Institutions. ” RMA Journal. Vol 98, pp. 58-61.Search in Google Scholar

Meh, C., and Moran, k. (2010). “The role of bank capital in the propagation of shocks.” Journal of Economic Dynamics and Control. Vol. 34, No. 3, pp. 555-576.10.1016/j.jedc.2009.10.009Search in Google Scholar

Peirce, H., Robinson, I., and Stratmann, T. (2015). “How Are Small Banks Faring Under Dodd-Frank?” CATO Institute. Research Briefs in Economic Policy, no. 20.10.2139/ssrn.2435206Search in Google Scholar

Rauch, C. “Bank fragility and the financial crises: Evidence from the U.S. dual banking system.” International Finance Review. Vol. 11. pp. 33-86.10.1108/S1569-3767(2010)0000011006Search in Google Scholar

Rezende, M. (2011), “How do joint supervisors examine financial institutions? The case of state banks”, Finance and Economics Discussion Series No. 43, Federal Reserve Board, Washington, DC.10.17016/FEDS.2011.43Search in Google Scholar

Rossi, C.V. (2010), “Decomposing the impact of brokered deposits on bank failure: theory and practice”, working paper, Robert H. Smith School of Business, University of Maryland, College Park.Search in Google Scholar

Sageworks Bank Information (2015). “Bank Equity Capital.”Search in Google Scholar

Tsatsaronis, K., and Zhu, H. (2004). “What drives housing price dynamics? Cross-country evidence.” BIS Quarterly Review. March. Pp 65-78.Search in Google Scholar

U.S. Census. “2010 Urban and Rural Classification” https://www.census.gov/geo/reference/ua/urban-rural-2010.html Accessed April 26, 2018.Search in Google Scholar

Whalen, G.W. (2010), “Why do de novo banks choose a national charter?” OCC Economic Working Paper No. 2010-2012, Office of the Comptroller of the Currency, Washington, DC.Search in Google Scholar

Whalen, G.W. (2012), “Recent de novo bank failures: how important is supervisor choice?” OCC Economic Working Paper No. 2012-1, Office of the Comptroller of the Currency, Washington.10.2139/ssrn.2102769Search in Google Scholar

Wooldridge, J. M. (2010). Econometric analysis of cross section and panel data. MIT press.Search in Google Scholar