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Journal Article
One-stop shopping: milk, eggs, and car loans
Nash, Betty Joyce (1996-04)
A growing number of financial institutions have opened branches inside supermarkets. The move helps to improve market access and boost service and revenues.
Cross Sections , Volume 13 , Issue Spr , Pages 12-14

Journal Article
The benefits of branching deregulation
Jayaratne, Jith; Strahan, Philip E. (1997-12)
When the Riegle-Neal Interstate Banking and Branching Efficiency Act went into effect in June 1997, it marked the final stage of a quarter-century-long effort to relax geographic restrictions on banks. This article examines an earlier stage of the deregulatory process-the actions taken by the states between 1978 and 1992 to remove the barriers to intrastate branching and interstate banking-to determine how the lifting of geographic restrictions affect the efficiency of the banking industry. The analysis reveals that banks' loan losses and operating costs fell sharply following the state ...
Economic Policy Review , Volume 3 , Issue Dec , Pages 13-29

Journal Article
Banks go shopping for customers
Williams, Christopher A. (1997-10)
The growing crop of supermarket bank branches is bringing new meaning to the expression "shopping for a loan."
The Regional Economist , Issue Oct , Pages 12-13

Working Paper
Branch banking and the geography of bank pricing
Nakamura, Leonard I.; Calem, Paul S. (1994)
Working Papers , Paper 94-19

Journal Article
Issuance of host state loan-to-deposit ratios to determine compliance with section 109 of the Interstate Act
anonymous (2000-05)
Federal Reserve Bulletin , Issue May , Pages 326

Working Paper
The impact of branch banking on pricing and service availability: theory and evidence
Nakamura, Leonard I.; Calem, Paul S. (1993)
Working Papers , Paper 93-23

Working Paper
Premiums in private versus public bank branch sales
Mingo, John J.; Zhang, Xuechun; Berkovec, James A. (1997)
This paper is the first to directly estimate the determinants of differences in premiums received by public and private sellers in the market for bank branches (deposit bases). Deposit premiums received in private sector transactions exceeded those received by the FDIC and the RTC, even after controlling for known characteristics of the transactions and after corrections for possible sample selection bias. The observed differential disappeared by 1992, suggesting improved market efficiency and/or the impact of FDICIA (1991), which mandated "least-cost" resolution procedures for failed ...
Finance and Economics Discussion Series , Paper 1997-33

Journal Article
Delivering deposit services: ATMs versus branches
Humphrey, David B. (1994-04)
Economic Quarterly , Issue Spr , Pages 59-81

Working Paper
Branch banking, bank competition, and financial stability
Carlson, Mark A.; Mitchener, Kris James (2005)
It is often argued that branching stabilizes banking systems by facilitating diversification of bank portfolios; however, previous empirical research on the Great Depression offers mixed support for this view. Analyses using state-level data find that states allowing branch banking had lower failure rates, while those examining individual banks find that branch banks were more likely to fail. We argue that an alternative hypothesis can reconcile these seemingly disparate findings. Using data on national banks from the 1920s and 1930s, we show that branch banking increases competition and ...
Finance and Economics Discussion Series , Paper 2005-20

Working Paper
Efficient banking under interstate branching
Lang, William W.; Hughes, Joseph P.; Moon, Choon-Geol; Mester, Loretta J. (1996)
Nationally chartered banks will be allowed to branch across state lines beginning June 1, 1997. Whether they will depends on their assessment of the profitability of such a delivery system for their services and on their preferences regarding risk and return. The authors investigate the probable effect of interstate branching on banks' risk-return tradeoff, accounting for the endogeneity of deposit volatility. If interstate branching improves the risk-return tradeoff banks face, banks that branch across state lines may choose a higher level of risk in return for higher profits. The authors ...
Working Papers , Paper 96-9

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