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Keywords:Interstate banking 

Newsletter
Global banking and national regulation: a conference summary

Although banking across national borders has expanded rapidly, banking regulation remains nationally based. As a result, governments and financial institutions face significant challenges when instability arises. At the Chicago Fed?s International Banking Conference, participants explored cross-border banking issues and ways to improve the current system.
Chicago Fed Letter , Issue Mar

Journal Article
The benefits of branching deregulation

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
Successful strategies in interstate bank acquisitions

Much of the recent consolidation in the banking industry has been across state lines, and this trend will accelerate due to recent federal legislation. As interstate banking expands further, the performance and success of banks that are acquired will be the key factor determining how much consolidation will occur and which organizations will be major participants. This article therefore examines a group of banks that were acquired on an interstate basis in 1986 and 1987, and tracks their performance after acquisition. It identifies strategies and characteristics that distinguish acquisitions ...
Financial Industry Perspectives , Issue Dec , Pages 21-37

Conference Paper
Safety in numbers? Geographic diversification and bank insolvency risk

Proceedings , Paper 504

Journal Article
Issuance of host state loan-to-deposit ratios to determine compliance with section 109 of the Interstate Act

Federal Reserve Bulletin , Issue May , Pages 326

Working Paper
The impact of branch banking on pricing and service availability: theory and evidence

Working Papers , Paper 93-23

Working Paper
Safety in numbers? Geographic diversification and bank insolvency risk

The Riegle-Neal Interstate Banking and Branching Efficiency Act, passed in September 1994 and effective June 1, 1997, will allow nationally chartered banks to branch across state lines. This act will remove impediments to interstate expansion and permit the consolidation of existing interstate networks ; What will be the impact of this legislation on bank performance and bank safety? Removing impediments to geographic expansion should improve the risk-return tradeoff faced by most banks. However, this paper argues that economic theory does not tell us whether an improvement in the risk-return ...
Working Papers , Paper 96-14

Journal Article
Statement to Congress, October 5, 1993 (interstate banking and insurance provisions of S. 543)

Federal Reserve Bulletin , Issue Dec , Pages 1093-1097

Conference Paper
The effects of interstate branching on small business lending.

Proceedings , Paper 462

Conference Paper
Interstate banking and competition

Proceedings , Paper 340

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