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Report
Branch versus unit banking: a survey of the literature
Pakonen, Rodney (1970)
This study attempts to determine whether entry regulation is more restrictive in unit or branch banking states. ; A model is developed in which entry, defined as the formation of a new bank or branch, is explained as being a response to the general economic climate plus regulation. Using time series data and dating the onset of effective entry regulation with the passage of the banking Act of 1935, it is ascertained that effective entry regulation has caused the aggregate rate of entry into commercial banking to fall by about sixty percent. This analysis included adjustments for changes in ...
Staff Report , Paper 2

Journal Article
Statement to Congress, June 22, 1993 (interstate banking and branching)
Syron, Richard F. (1993-08)
Federal Reserve Bulletin , Issue Aug

Working Paper
Bank branch presence and access to credit in low-to-moderate income neighborhoods
Ergungor, O. Emre (2006)
Banks specialize in lending to informationally opaque borrowers by collecting soft information about them. Some researchers claim that this process requires a physical presence in the market to lower information collection costs. The author provides evidence in support of this argument in the mortgage market for low-income borrowers. Mortgage originations increase and interest spreads decline when there is a bank branch located in a low-to-moderate income neighborhood.
Working Papers (Old Series) , Paper 0616

Journal Article
Banking agencies issue host state loan-to-deposit ratios
anonymous (2001-08)
Federal Reserve Bulletin , Issue Aug , Pages 535

Newsletter
The branch banking boom in Illinois: a byproduct of restrictive branching laws
Davis, Erin; Rice, Tara N. (2007-05)
What?s behind the boom in bank branches across Illinois, particularly in Chicago? The authors explore the history of branch banking within the state and across the nation to help explain this recent trend and discuss its future implications.
Chicago Fed Letter , Issue May

Journal Article
Branch banking in the United States, 1939 and 1949
Smith, Paul F. (1950-07)
Federal Reserve Bulletin , Issue Jul

Conference Paper
Market structure and investment strategies: the case of bank branching decisions
Mazzeo, Michael; Cohen, Andrew M. (2005)
Proceedings , Paper 995

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

Report
Follow the money: quantifying domestic effects of foreign bank shocks in the Great Recession
Goldberg, Linda S.; Cetorelli, Nicola (2012)
Foreign banks pulled significant funding from their U.S. branches during the Great Recession. We estimate that the average-sized branch experienced a 12 percent net internal fund ?withdrawal,? with the fund transfer disproportionately bigger for larger branches. This internal shock to the balance sheets of U.S. branches of foreign banks had sizable effects on their lending. On average, for each dollar of funds transferred internally to the parent, branches decreased lending supply by about forty to fifty cents. However, the extent of the lending effects was very different across branches, ...
Staff Reports , Paper 545

Journal Article
Is the banking industry in decline? Recent trends and future prospects from a historical perspective
Wheelock, David C. (1993-09)
Review , Issue Sep

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