MARC Record from Library of Congress

LEADER: 02093cam a22003137a 4500
001 2004620331
003 DLC
005 20050107181610.0
007 cr |||||||||||
008 050107s2001 dcu sb f000 0 eng
010 $a 2004620331
040 $aDLC$cDLC
043 $an-us---
050 00 $aHG2401
100 1 $aWhalen, Gary.
245 14 $aThe impact of the growth of large, multistate banking organizations on community bank profitability$h[electronic resource] /$cby Gary Whalen.
260 $aWashington, DC :$bOffice of the Comptroller of the Currency,$c[2001]
490 1 $aEconomic and policy analysis working paper ;$v2001-5
538 $aSystem requirements: Adobe Acrobat Reader.
538 $aMode of access: World Wide Web.
500 $aTitle from PDF file as viewed on 1/7/2005.
530 $aAlso available in print.
504 $aIncludes bibliographical references.
520 3 $a"Especially since the passage of the Riegle-Neal Act in 1994, community banks increasingly face large, multistate holding company (MSHC) rivals in the local markets in which they operate. These large MSHCs more often operate through interstate branches, rather than through the offices of a separate subsidiary headquartered in-state. Disagreement persists about the likely effects of this trend on community banks. If large absolute size, or an interstate branch form, confer competitive advantages, the profitability of community banks should be lower in markets where they face such rivals.On the other hand, a number of observers cite possibly offsetting advantages associated with small size, such as a greater ability to offer valued personal service. To date, virtually no empirical studies have focussed on this issue"--Office of the Comptroller of the Currency web site.
650 0 $aCommunity banks$zUnited States.
650 0 $aBank holding companies$zUnited States.
710 1 $aUnited States.$bOffice of the Comptroller of the Currency.
830 0 $aEconomic and policy analysis working paper (2000 : Online) ;$v2001-5.
856 40 $uhttp://www.occ.treas.gov/wp2001-5.htm