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Performance of banks acquired on an interstate basis

Author

Listed:
  • John D. Shoenhair
  • Kenneth Spong

Abstract

Interstate banking expanded rapidly over the last decade as all but a few states adopted laws allowing entry by outside organizations. The resulting changes are now raising many questions regarding the performance of interstate acquisitions and their effects on the banking system and its customers. ; This study examines a number of these questions by following the performance of banks that were acquired on an interstate basis during 1985, 1986, and 1987. Overall, banks acquired in these years appear to have successfully handled the shift to interstate ownership. Some acquired banks were able to make improvements on the cost side and many became more active lenders. For the most part, though, the banks performed in a manner similar to banks not under interstate ownership and did not appear to have any substantial competitive advantages or disadvantages. This performance suggests that interstate expansion will continue to occur as banking organizations seek to enter new markets, but this expansion need not be of serious concern to local banks.

Suggested Citation

  • John D. Shoenhair & Kenneth Spong, 1992. "Performance of banks acquired on an interstate basis," Financial Industry Perspectives, Federal Reserve Bank of Kansas City, issue Dec, pages 15-32.
    • Handle: RePEc:fip:fedkfi:y:1992:i:dec:p:15-32
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    Citations

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    Cited by:

    1. John H. Boyd & Stanley L. Graham, 1996. "Consolidation in U.S. banking: implications for efficiency and risk," Working Papers 572, Federal Reserve Bank of Minneapolis.
    2. Maurizio Zollo & Jeffrey J. Reuer, 2001. "Experience Spillovers across Corporate Development Activities," Center for Financial Institutions Working Papers 01-35, Wharton School Center for Financial Institutions, University of Pennsylvania.
    3. William R. Keeton, 1996. "Do bank mergers reduce lending to businesses and farmers? New evidence from Tenth District states," Economic Review, Federal Reserve Bank of Kansas City, vol. 81(Q III), pages 63-75.
    4. Robert DeYoung & Gary Whalen, 1994. "Banking Industry Consolidation: Efficiency Issues," Economics Working Paper Archive wp_110, Levy Economics Institute.
    5. Robert DeYoung & Gary Whalen, 1999. "Banking Industry Consolidation: Efficiency Issues," Macroeconomics 9906011, University Library of Munich, Germany.
    6. William R. Keeton, 1995. "Multi-office bank lending to small businesses: some new evidence," Economic Review, Federal Reserve Bank of Kansas City, vol. 80(Q II), pages 45-57.

    More about this item

    Keywords

    Interstate banking; Banks and banking;

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