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Journal Article
Technology outsourcing : a community bank perspective
This article provides an overview of the technology industry that has evolved to provide technology outsourcing services for community banks, and the risk management issues associated with outsourcing. The service provider industry is in a transition phase being brought about by changing economic fundamentals in banking and in information technology. These factors have contributed to significant consolidation among the technology companies that serve the banking industry, especially among technology firms offering core processing services. Accordingly, the array of firms serving the national ...
Journal Article
Small business lending by commercial banks in Colorado : 1994 to 1996
The structure of Colorado's banking industry has recently undergone significant change and, therefore, provides a good case study with which to gauge the impact of consolidation on sources of loans and access to credit for small business. We find that between 1994 and 1996, lending to small businesses in Colorado by small to medium size banking organizations grew much faster than lending by large organizations. This lending pattern was similar across in-state and out-of-state banking organizations. Thus, the difference is largely driven by size rather than by the location of the ...
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
Interstate banking - what are the competitive effects?
Journal Article
Meeting the challenges : community bankers' views
Dramatic changes are occurring in our financial system and the pace of change is increasing. These changes provide opportunities for community bankers, but they also create new challenges. To explore how community banks will respond to these challenges, we asked Tenth District community bankers for their views on how their banks will be affected over the next five years. ; Our survey focused on four broad areas--bank and nonbank competition, operational matters, ownership and human resource concerns, and banking regulation's impact. In the first area, survey respondents expect to face strong ...
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
De novo bank performance in the seven Tenth District states
Journal Article
The use of purchase and assumption transactions in the Tenth Federal Reserve District, 1984-1986
Special issue on problem banks
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 ...