Journal Article
Top performing small banks: making money the old-fashioned way
Walter, John R.; Gup, Benton E. (1989-11)
Although the profitability of U.S. small banks shrank in the 1980s, two percent of these banks remained highly profitable by emphasizing basic banking, namely acquiring low-cost funds and making low-risk investments.
Economic Review , Volume 75 , Issue Nov , Pages 23-35