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Journal Article
Subchapter S : a new tool for enhancing the value of community banks
Beginning in 1997, many community banks became eligible to elect a new form of ownership, referred to as Subchapter S. Through June of 2000, 18 percent of the community banks in the United States had changed to this new ownership status. The Subchapter S ownership form effectively eliminates the double taxation of dividends and capital gains, which promises to significantly increase the after-tax returns to bank shareholders. This article reviews the characteristics of banks that have converted to Subchapter S status and identifies changes in their behavior or performance subsequent to ...
Journal Article
The changing structure of banking : a look at traditional and new ways of delivering banking services
In the short span of just ten to fifteen years, Tenth District banking has made the dramatic leap from predominantly a unit banking or single office framework to one that encompasses both statewide branching and interstate banking. This article examines the major factors behind these changes and then looks at the District's evolving banking structure. Overall, the total number of banks operating in Tenth District states has declined by about 40 percent since 1985. This decline, though, has been accompanied by a significant increase in the number of bank branches and facilities. ; Other ...
Journal Article
The decline in core deposits : what can banks do?
In recent years, growth in traditional deposit funding sources has failed to match the growth in assets at many banks. These funding shortfalls are raising a number of important concerns, including whether community banks will have to curtail lending to small businesses, farmers, and other local customers. This article takes a look at bank funding trends and their implications for community banks. The article also examines possible explanations for the trends, such as strong loan demand, shifts in household financial portfolios, new competition, comparative returns on other financial ...
Journal Article
Home financing for low- and moderate-income borrowers: what are the trends in Denver?
Over the last decade, many significant developments have influenced home lending. Among these developments are the longest expansion period in U.S. history, path-breaking technological and financial innovations, new regulatory and legislative incentives for low- and moderate-income lending, and continued growth of community organizations and special home lending programs. ; This article takes a look at these trends and their possible effect on home purchase lending in the Denver metropolitan area between 1992 and 2002. The article examines changes in home financing across the entire ...
Journal Article
The changing influence of market structure on performance in rural banking markets 1985 through 2005.
This study analyzes the impact of market concentration on the performance of banks in rural banking markets and attempts to determine if the influence of market concentration has changed over the last 20 years. It offers some evidence that the relationship between traditional measures of market concentration and bank performance may be changing, which may have implications for the application of antitrust policy in markets of this type.
Journal Article
Low and moderate-income home financing : what are the trends in Kansas City?
Over the last decade, many significant developments have influenced home lending. Among these developments are the longest expansion period in U.S. history, pathbreaking technological and financial innovations, new regulatory and legislative incentives for low- and moderate-income lending, and continued growth of community organizations and special home lending programs. ; This article takes a look at these trends and their possible effect on home purchase lending in the Kansas City metropolitan area between 1992 and 2001. The article examines changes in home financing across the entire ...