Community Bank Lending
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Community Bank Strategic Lending Choices and Performance
Author | : Gary Whalen |
Publsiher | : Unknown |
Total Pages | : 66 |
Release | : 2007 |
Genre | : Bank loans |
ISBN | : UCSD:31822034349662 |
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"Most community banks have been unable to increase dramatically the percentage of their revenue coming from non-traditional sources and so remain reliant on the net income generated by traditional intermediation activities. This continued dependence means that the lending strategy chosen by any community bank is a key determinant of its survival. In this study the lending strategies chosen by a sample of 5508 community banks are examined over the 1995 - 2004 period. Links among the chosen strategies, strategic change, and performance are also investigated using both univariate and regression analysis. The analysis of lending strategy trends reveals an increase in the percentage of community banks that emphasize lending to business borrowers and a decrease in the fraction of institutions specializing in loans to non-commercial customers. The data also indicate that the typical community bank changed its lending strategy over the decade, and many did so more than once. Differences in performance are evident across the strategic groups. The results indicate that business real estate lenders earned the highest returns over the decade, but also were the riskiest. When returns are adjusted for risk, a number of lending strategies produced performance exceeding that of business real estate lending, including residential real estate lending, diversified lending, and agricultural lending. The results show that strategic change reduces returns and increases risk, all else equal. The evidence indicates a large performance disadvantage for the smallest community banks regardless of the lending strategy they pursue"--Office of the Comptroller of the Currency web site.
The Effects of the Economic Crisis on Community Banks and Credit Unions in Rural Communities
Author | : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Subcommittee on Financial Institutions |
Publsiher | : Unknown |
Total Pages | : 68 |
Release | : 2010 |
Genre | : Business & Economics |
ISBN | : UOM:39015090376941 |
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Examining Community Bank Regulatory Burdens
Author | : United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit |
Publsiher | : Unknown |
Total Pages | : 160 |
Release | : 2013 |
Genre | : Banking law |
ISBN | : UCAL:B5627533 |
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Surprising Use of Credit Scoring in Small Business Lending by Community Banks and the Attendant Effects on Credit Availability and Risk
Author | : Allen N. Berger |
Publsiher | : DIANE Publishing |
Total Pages | : 25 |
Release | : 2010-06 |
Genre | : Business & Economics |
ISBN | : 9781437928785 |
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There is a positive relationship between the use of credit scoring for small business (SB) loans and SB credit availability. This report employs data from a new survey on the use of credit scoring in SB lending, primarily by community banks. The survey evidence suggests that the use of credit scores in SB lending by community banks is surprisingly widespread. Moreover, the scores employed tend to be the consumer credit scores of the SB owners rather than the more encompassing SB credit scores that include data on the firms as well as on the owners. This empirical analysis suggests that credit scoring is associated with increased SB lending after a learning period, with no material change in the quality of the loan portfolio. Charts ad tables.
Community Bank Strategic Lending Choices and Performance
Author | : Gary Whalen |
Publsiher | : CreateSpace |
Total Pages | : 58 |
Release | : 2014-12-31 |
Genre | : Electronic Book |
ISBN | : 1505309719 |
Download Community Bank Strategic Lending Choices and Performance Book in PDF, Epub and Kindle
Most community banks have been unable to increase dramatically the percentage of their revenue coming from non-traditional sources and so remain reliant on the net income generated by traditional intermediation activities. This continued dependence means that the lending strategy chosen by any community bank is a key determinant of its survival. In this study the lending strategies chosen by a sample of 5508 community banks are examined over the 1995 - 2004 period. Links among the chosen strategies, strategic change, and performance are also investigated using both univariate and regression analysis. The analysis of lending strategy trends reveals an increase in the percentage of community banks that emphasize lending to business borrowers and a decrease in the fraction of institutions specializing in loans to non-commercial customers. The data also indicate that the typical community bank changed its lending strategy over the decade, and many did so more than once.
Community Bank Lending
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Author | : Anonim |
Publsiher | : Risk Management Assoc |
Total Pages | : 104 |
Release | : 1989-11-01 |
Genre | : Bank loans. |
ISBN | : 0936742690 |
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The Credit Crunch and Regulatory Burdens in Bank Lending
Author | : United States. Congress. House. Committee on Government Operations. Commerce, Consumer, and Monetary Affairs Subcommittee |
Publsiher | : Unknown |
Total Pages | : 962 |
Release | : 1993 |
Genre | : Business & Economics |
ISBN | : PURD:32754063004471 |
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The State of Community Banking
Author | : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Subcommittee on Financial Institutions and Consumer Protection |
Publsiher | : Unknown |
Total Pages | : 108 |
Release | : 2011 |
Genre | : Business & Economics |
ISBN | : MINN:31951D03465513L |
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