Community Bank Strategic Lending Choices And Performance
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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.
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 Development Financial Institutions Act of 1993 S 1275
Author | : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs |
Publsiher | : Unknown |
Total Pages | : 260 |
Release | : 1994 |
Genre | : Business & Economics |
ISBN | : PSU:000022377050 |
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Strategic Planning in International Banking
Author | : Paolo Savona,George Sutija |
Publsiher | : Springer |
Total Pages | : 238 |
Release | : 1986-06-18 |
Genre | : Business & Economics |
ISBN | : 9781349071173 |
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H R 3206 the Credit Union Charter Choice Act
Author | : United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit |
Publsiher | : Unknown |
Total Pages | : 268 |
Release | : 2006 |
Genre | : Business & Economics |
ISBN | : PSU:000058933923 |
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Strategic Planning Guide for Community Banks Thrifts
Author | : Douglas V. Austin,Craig D. Bernard |
Publsiher | : Irwin Professional Publishing |
Total Pages | : 0 |
Release | : 1998 |
Genre | : Bank management |
ISBN | : 0786311835 |
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Whether you are trying to survive and flourish as an independent bank, or simply looking for ways to strengthen your bank's performance, Strategic Planning Guide for Community Banks and Thrifts was written for you. This insightful book shows executives of commercial banks, thrift institutions, and holding companies how to develop a plan that is aggressive yet flexible, ready to accommodate unexpected external factors as well as regulatory changes. Before developing your strategic plan, however, you must first conduct a thorough situation analysis. Strategic Planning Guide for Community Banks and Thrifts walks you through the SWOT analysis Strengths, Weaknesses, Opportunities, and Threats - detailing what the board of directors and trustees should reasonably expect from each member of management and key staff. More than any other component, a thorough SWOT analysis is the key to an honest and objective plan - and the blueprint to guarantee that your bank's strategic plan starts on solid footing!
Quarterly Journal
Author | : United States. Office of the Comptroller of the Currency |
Publsiher | : Unknown |
Total Pages | : 426 |
Release | : 1994 |
Genre | : Banks and banking |
ISBN | : UIUC:30112064022954 |
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Banking Regulations for Examiners
Author | : United States |
Publsiher | : Unknown |
Total Pages | : 470 |
Release | : 2008 |
Genre | : Banking law |
ISBN | : UOM:39015084946261 |
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