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On the Uniqueness of Community Banks: A Reprint from the “Economic Review”
This article explores the differences between comm

Our Price: $15.00
By Scott E. Hein (au); Timothy W. Koch (au); S. Scott MacDonald (au)
Year: 2005
Pages: 21
Binding Paperback

Product Code: 1422319970

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.

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