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Bank:Federal Reserve Bank of Kansas City  Series:Financial Industry Perspectives 

Journal Article
How has the adoption of Internet banking affected performance and risk in banks?

Analysis of banks in Tenth District states that have adopted Internet banking shows an adoption rate that is similar to the rate for the United States. Community banks, especially in rural areas, are lagging behind other banks in introducing Internet banking. ; Banks that have adopted Internet banking have introduced it in markets with demographic and economic characteristics that help to ensure customer acceptance. They have also used the Internet in a way that complements their business strategy. Banks who offer Internet banking rely more on non-core funding, and are developing the Internet ...
Financial Industry Perspectives , Issue Dec , Pages 1-16

Journal Article
Report on chain banking organizations in Kansas, Nebraska, and Oklahoma

Financial Industry Perspectives

Journal Article
The death of a bank: assuring an orderly transition

Special issue on problem banks
Financial Industry Perspectives

Journal Article
From the mountains to the prairies : the banking environment in the Tenth Federal Reserve District

The Tenth Federal Reserve District consists of many types of markets within which District institutions operate. Since conditions in the District environment can vary from dynamic to slow-growing, these markets offer both challenge and opportunity that financial institutions must understand to be successful. But what is the level of change in the District environment and how might that change be materializing? This article considers the environment within the Tenth District and discernible trends within that environment. We highlight the major factors that influence bank behavior and ...
Financial Industry Perspectives , Issue Q 4 , Pages 1-11

Journal Article
Interstate banking in the Tenth District

Financial Industry Perspectives

Journal Article
Credit union growth in the Tenth Federal Reserve District : how legal and regulatory changes have affected credit union expansion

In the Tenth Federal Reserve District, banks have reported increasing concern regarding deposit competition from credit unions. In our 2004 Survey of Community Banks, we asked banks to rate competition from a variety of sources. Bankers said they anticipate intense competition from several sources in the coming years. Foremost is competition from other community banks. However, almost half of all community banks that responded said they expect very intense or intense deposit competition from credit unions in the next five years. What factors lead bankers to believe that competition from ...
Financial Industry Perspectives , Issue Jul

Journal Article
Highly leveraged bank holding companies and subsidiary bank performance

Financial Industry Perspectives

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 ...
Financial Industry Perspectives , Issue Dec , Pages 35-48

Journal Article
Three decades of banking

Financial Industry Perspectives

Journal Article
An overview and analysis of community bank mergers

With some of the largest mergers in history now taking place in the financial services industry, the fact that consolidation is also occurring among small banking institutions is often overlooked. The factors that are promoting consolidation in the banking industry are also relevant for the smallest banks, namely the need to spread the cost of technological and administrative overhead and the desire to maintain earnings growth. With limited growth opportunities in many rural communities, smaller banks often choose to merge with other nearby rural banks as the means to gain asset size and ...
Financial Industry Perspectives , Issue Dec , Pages 1-14

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