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The impact of CRA agreements on community banks

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  • Raphael W. Bostic
  • Breck L. Robinson

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  • Raphael W. Bostic & Breck L. Robinson, 2004. "The impact of CRA agreements on community banks," Proceedings 916, Federal Reserve Bank of Chicago.
  • Handle: RePEc:fip:fedhpr:916
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    References listed on IDEAS

    as
    1. Paul S. Calem & Leonard I. Nakamura, 1998. "Branch Banking And The Geography Of Bank Pricing," The Review of Economics and Statistics, MIT Press, vol. 80(4), pages 600-610, November.
    2. Jayaratne, Jith & Wolken, John, 1999. "How important are small banks to small business lending?: New evidence from a survey of small firms," Journal of Banking & Finance, Elsevier, vol. 23(2-4), pages 427-458, February.
    3. Gary C. Zimmerman, 1996. "Factors influencing community bank performance in California," Economic Review, Federal Reserve Bank of San Francisco, pages 26-40.
    4. Koehn, Michael & Santomero, Anthony M, 1980. "Regulation of Bank Capital and Portfolio Risk," Journal of Finance, American Finance Association, vol. 35(5), pages 1235-1244, December.
    5. Berger, Allen N. & Saunders, Anthony & Scalise, Joseph M. & Udell, Gregory F., 1998. "The effects of bank mergers and acquisitions on small business lending," Journal of Financial Economics, Elsevier, vol. 50(2), pages 187-229, November.
    6. Shrieves, Ronald E. & Dahl, Drew, 1992. "The relationship between risk and capital in commercial banks," Journal of Banking & Finance, Elsevier, vol. 16(2), pages 439-457, April.
    7. Berger, Allen N. & Demsetz, Rebecca S. & Strahan, Philip E., 1999. "The consolidation of the financial services industry: Causes, consequences, and implications for the future," Journal of Banking & Finance, Elsevier, vol. 23(2-4), pages 135-194, February.
    8. Douglas D. Evanoff & Lewis M. Segal, 1996. "CRA and fair lending regulations: resulting trends in mortgage lending," Economic Perspectives, Federal Reserve Bank of Chicago, vol. 20(Nov), pages 19-46.
    9. Raphael W. Bostic & Breck L. Robinson, 2003. "Do CRA Agreements Influence Lending Patterns?," Real Estate Economics, American Real Estate and Urban Economics Association, vol. 31(1), pages 23-51, March.
    10. Paul S. Calem, 1994. "The impact of geographic deregulation on small banks," Business Review, Federal Reserve Bank of Philadelphia, issue Nov, pages 17-31.
    11. Benton E. Gup & John R. Walter, 1989. "Top performing small banks: making money the old-fashioned way," Economic Review, Federal Reserve Bank of Richmond, vol. 75(Nov), pages 23-35.
    12. repec:bla:jfinan:v:43:y:1988:i:5:p:1219-33 is not listed on IDEAS
    13. Gilbert, R Alton, 1984. "Bank Market Structure and Competition: A Survey," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 16(4), pages 617-644, November.
    14. Hunter, William C & Timme, Stephen G, 1986. "Technical Change, Organizational Form, and the Structure of Bank Production," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 18(2), pages 152-166, May.
    15. Raphael W. Bostic & Breck L. Robinson, 2003. "What makes CRA agreements work? a study of lender responses to CRA agreements," Proceedings 898, Federal Reserve Bank of Chicago.
    16. Avery, Robert B. & Bostic, Raphael W. & Calem, Paul S. & Canner, Glenn B., 1999. "Consolidation and bank branching patterns," Journal of Banking & Finance, Elsevier, vol. 23(2-4), pages 497-532, February.
    17. Robert B. Avery & Raphael W. Bostic & Paul S. Calem & Glenn B. Canner, 1999. "Trends in home purchase lending: consolidation and the Community Reinvestment Act," Federal Reserve Bulletin, Board of Governors of the Federal Reserve System (U.S.), vol. 85(Feb), pages 81-102, February.
    18. Leonard I. Nakamura, 1994. "Small borrowers and the survival of the small bank: is mouse bank Mighty or Mickey?," Business Review, Federal Reserve Bank of Philadelphia, issue Nov, pages 3-15.
    19. Raphael W. Bostic & Glenn B. Canner, 1998. "Do minority-owned banks treat minorities better? an empirical test of the cultural affinity hypothesis," Proceedings 583, Federal Reserve Bank of Chicago.
    20. Raphael W. Bostic & Hamid Mehran & Anna L. Paulson & Marc R. Saidenberg, 2000. "Community lending and commercial bank mergers," Proceedings 699, Federal Reserve Bank of Chicago.
    21. Dahl, Drew, 1996. "Ownership changes and lending at minority banks: A note," Journal of Banking & Finance, Elsevier, vol. 20(7), pages 1289-1301, August.
    22. R. Alton Gilbert & Gregory E. Sierra, 2003. "The financial condition of U.S. banks: how different are community banks?," Review, Federal Reserve Bank of St. Louis, vol. 85(Jan), pages 43-56.
    23. Berger, Allen N & Udell, Gregory F, 1994. "Do Risk-Based Capital Allocate Bank Credit and Cause a "Credit Crunch"' in the United States?," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 26(3), pages 585-628, August.
    24. HAROLD Black & M. Collins & Ken Cyree, 1997. "Do Black-Owned Banks Discriminate against Black Borrowers?," Journal of Financial Services Research, Springer;Western Finance Association, vol. 11(1), pages 189-204, February.
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    Cited by:

    1. Reilly, Patrick A., 2020. "The effects of credit on high school graduation: Evidence from U.S. bank branching deregulation," The Quarterly Review of Economics and Finance, Elsevier, vol. 75(C), pages 109-119.
    2. Drew Dahl, 2010. "Does flexibility hinder financial regulation? The case of CRA enforcement in the USA," Journal of Financial Regulation and Compliance, Emerald Group Publishing Limited, vol. 18(3), pages 193-200, July.
    3. Gregory McKee & Albert Kagan, 2018. "Community bank structure an x-efficiency approach," Review of Quantitative Finance and Accounting, Springer, vol. 51(1), pages 19-41, July.
    4. Ken B. Cyree & Drew B. Winters, 2023. "Investigating bank lending discrimination in the US using CRA-rated banks’ HMDA loan data," Public Choice, Springer, vol. 197(3), pages 371-395, December.

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