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Author:Amel, Dean F. 

Working Paper
Consolidation and efficiency in the financial sector: a review of the international evidence

In response to fundamental changes in regulation and technology, the financial industry around the world is undergoing an unprecedented wave of consolidation. A growing body of empirical literature has attempted to measure the efficiency gains from M&As; however there is little sense of how the results might depend on the country, industry and time period analysed. In this paper we review critically works that cover the main sectors of the financial industry (commercial and investment banks, insurance and asset management companies) in the major industrialised countries over the last twenty ...
Finance and Economics Discussion Series , Paper 2002-47

Discussion Paper
On the Geographic Scope of Retail Mortgage Markets

In this note, we first discuss why markets for mortgage originations are likely to be national in scope. We then show that even if mortgage markets were local, they would be unconcentrated. Finally, we test for an empirical relationship between the local concentration of mortgage lending and changes in mortgage rates and find essentially no correlation of concentration and rates.
FEDS Notes , Paper 2018-06-15

Working Paper
Dynamics of market concentration

Finance and Economics Discussion Series , Paper 74

Working Paper
Community Bank Performance: How Important are Managers?

Community banks have long played an important role in the U.S. economy, providing loans and other financial services to households and small businesses within their local markets. In recent years, technological and legal developments, as well as changes in the business strategies of larger banks and non-bank financial service providers, have purportedly made it more difficult for community banks to attract and retain customers, and hence to survive. Indeed, the number of community banks and the shares of bank branches, deposits, banking assets, and small business loans held by community banks ...
Finance and Economics Discussion Series , Paper 2014-26

Working Paper
Do firms differ much?

Finance and Economics Discussion Series , Paper 87

Journal Article
Trends in the structure of federally insured depository institutions, 1984-94

Between 1984 and 1994, the number of federally insured depository institutions declined considerably. Institution failure contributed significantly to the decrease, but an even more important factor was mergers and acquisitions stimulated by relaxed restrictions on geographic expansion. Deposits also became considerably more concentrated at the national and state levels, with larger firms increasing their deposit share relative to smaller firms. However, the concentration of deposits within local banking markets increased only slightly.
Federal Reserve Bulletin , Volume 82 , Issue Jan , Pages 1-15

Working Paper
The effects of local banking market structure on the banking-lending channel of monetary policy

We study the relationship between banking competition and the transmission of monetary policy through the bank lending channel. Using business small loan origination data provided from the Community Reinvestment Act from 1996-2002 in our analysis, we are able to reaffirm the existence of the bank lending channel of monetary transmission. Moreover, we find that the impact of monetary policy on loan originations is weaker in more concentrated markets.
Finance and Economics Discussion Series , Paper 2005-16

Working Paper
Market definition in banking: recent evidence

Antitrust analysis of bank mergers defines banking markets to be geographically local and to consist of the cluster of financial products supplied by commercial banks. This definition is based on assumptions about households' and small businesses' behavior in purchasing banking services. This article utilizes data from the Survey of Consumer Finances to examine how households' use of financial services and institutions changed between 1989 and 1998. We investigate the extent to which households still focus their purchases of financial services at local depository institutions, as opposed to ...
Finance and Economics Discussion Series , Paper 2001-16

Working Paper
Strategic groups in banking

Working Papers in Banking, Finance and Microeconomics , Paper 87-1

Working Paper
Consumer use of automated teller machines

Working Papers in Banking, Finance and Microeconomics , Paper 86-5

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