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Effects Of Banking Structure On The Allocation Of Credit To Nonmetropolitan Communities

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  • Barkley, David L.
  • Mellon, Cindy
  • Potts, Glenn T.

Abstract

Recent and proposed legislative changes encourage increases in multioffice banking activity. In this manuscript, the allocation of credit to nonmetropolitan communities in a branch banking state (Arizona) is compared to that in a unit banking-holding company state (Colorado). Rapidly growing nonmetropolitan areas have experienced increased lending activity under statewide branching relative to unit banking. Rural communities, which experienced slow or negative growth, had lower loan-to-deposit rations under branch banking than might have existed under unit banking. Therefore, conversion to branch banking may result in a reallocation of loanable funds within nonmetropolitan areas.

Suggested Citation

  • Barkley, David L. & Mellon, Cindy & Potts, Glenn T., 1984. "Effects Of Banking Structure On The Allocation Of Credit To Nonmetropolitan Communities," Western Journal of Agricultural Economics, Western Agricultural Economics Association, vol. 9(2), pages 1-10, December.
    • Handle: RePEc:ags:wjagec:32142
    DOI: 10.22004/ag.econ.32142
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    References listed on IDEAS

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    1. Blackwell, J Lloyd, III, 1977. "Branch Banking: A Note on a Theory Dilemma," The Journal of Business, University of Chicago Press, vol. 50(4), pages 520-525, October.
    2. Graddy, Duane B & Kyle, Reuben, III, 1980. "Affiliated Bank Performance and the Simultaneity of Financial Decision-Making," Journal of Finance, American Finance Association, vol. 35(4), pages 951-957, September.
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    Cited by:

    1. Betubiza, Eustacious & Leatham, David, 1991. "A Tobit Analysis of Commercial Bank Lending to Agriculture in Texas," WAEA/ WFEA Conference Archive (1929-1995) 321417, Western Agricultural Economics Association.
    2. Green, Gary P. & Kwong, Tsz Man & Tigges, Leann M., 1995. "Embeddedness and capital markets: Bank financing of businesses," Journal of Behavioral and Experimental Economics (formerly The Journal of Socio-Economics), Elsevier, vol. 24(1), pages 129-149.
    3. Gustafson, Cole R. & Beauclair, Shaun C., 1990. "Community Development and Commercial Bank Performance: A Mutually-Dependent Relationship," Agricultural Economics Reports 23228, North Dakota State University, Department of Agribusiness and Applied Economics.
    4. Schmiesing, Brian H. & Edelman, Mark A. & Swinson, Cindy & Kolmer, Diane, 1985. "Differential Pricing Of Agricultural Operating Loans By Commercial Banks," Western Journal of Agricultural Economics, Western Agricultural Economics Association, vol. 10(2), pages 1-12, December.

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