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Author:Harvey, James 

Journal Article
House and home : the surge in Denver’s low and moderate-income mortgage lending
AUTHORS: Spong, Kenneth; Harvey, James
DATE: 2005-10

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.
AUTHORS: Harvey, James; Myers, Forest
DATE: 2008-01

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 significant changes are also occurring. About one-third of all banking deposits in Tenth District states is now under the control of out-of-state organizations. In addition, banks are developing and expanding alternative ways for delivering services. For instance, the District's ATM population continues to grow rapidly and an increasing number of banks are opening branches in supermarkets and other retail locations. Moreover, the Internet Web sites of District banks have expanded quickly over the last year both in terms of number and the complexity of services offered. While all of these developments pose a variety of issues and challenges for District bankers and customers, this changing banking framework is opening up new opportunities and will likely lead to a more convenient and efficient banking system, with a broader choice of services.
AUTHORS: Harvey, James; Spong, Kenneth
DATE: 1998-05

Journal Article
Problem banks: their characteristics and possible causes of deterioration
Special issue on problem banks
AUTHORS: Harvey, James; Duwe, Richard
DATE: 1988

Journal Article
Highly leveraged bank holding companies and subsidiary bank performance
AUTHORS: Lay, Rick; Harvey, James
DATE: 1989

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 instruments, and changing demographics in community banking markets. The final section of the article then explores the options and strategies community banks can use to address their funding challenges.
AUTHORS: Spong, Kenneth; Harvey, James
DATE: 2001-12

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 conversion. Through the use of a survey, it also investigates the motivation of banks that converted and their impressions of how well conversion has met their needs. ; Banks that converted to Subchapter S status tend to be well capitalized, but slower-growing than other banks prior to conversion, and to have a history of higher levels of dividends. After conversion, dividend payout rates increased, leading to reduced levels of capital in Subchapter S banks. However, capital levels still remained strong, and no other indications of decreased performance or increased risk taking were found. Among the bankers surveyed, most have been generally satisfied with the results of conversion, and many indicated that Sub-chapter S enhanced the value of their bank and made it a more desirable investment vehicle.
AUTHORS: Padget, Jane; Harvey, James
DATE: 2000-12

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 metropolitan area, as well as among low- and moderate-income borrowers and within low- and moderate-income neighborhoods. Also analyzed are the contributions of different types of lendersbanks and thrifts with local banking offices, banks and thrifts with no Kansas City banking offices, and independent mortgage companies. ; Among the more noteworthy findings in this analysis is the substantial growth that has occurred in home purchase lending for the entire Kansas City metropolitan area, with an increasing share of this lending going to low- and moderate-income borrowers and neighborhoods. Of further interest is the growing importance of home lending by banking organizations without deposit-taking offices in Kansas City. In particular, the rapid emergence of such organizations in low- and moderate-income lending provides a strong signal that this lending is meeting many of the same market tests as other forms of lending, thus foreshadowing a more continuous flow of financing to lower income neighborhoods.
AUTHORS: Spong, Kenneth; Harvey, James
DATE: 2003-10

Journal Article
The changing banking structure: what expansion strategies are community banks adopting?
AUTHORS: Harvey, James; Spong, Kenneth
DATE: 2007-08

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