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Diane Publishing Books
On the Uniqueness of Community Banks: A Reprint from the “Economic Review”
Scott E. Hein (au); Timothy W. Koch (au); S. Scott MacDonald (au)
This article explores the differences between community banks (CB) & larger banks to discover what makes CB unique. Large banks engage primarily in transactional banking -- such as gathering deposits & extending loans, that require little human input to manage. CB focus on relationship banking, which requires more human input, more detailed credit evaluation, & localized decision making. Examining profit & risk measures for the 1998-2002 period for both CB & large banking org., the authors find evidence that small banks were profitable. Whether CB will be able to sustain this good performance will depend on how well managers find valuable relationships lending niches, invest bank capital, & balance asset quality with growth. Illus.
Around the American Table: Treasured Recipes & Food Traditions from the American Cookery Collections of the New York Public Library
Secret World of the Spy: Stories of Espionage, Deception & Discovery
Fourth Book of Sexual Questions & Answers
Women of Strength: Biographies of 106 Who Have Excelled in Traditionally Male Fields, A.D. 61 to the Present
Creole Flavors: Recipes for Marinades, Rubs, Sauces, & Spices
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