The Influence of Credit Union and Savings and Loan Competition on Bank Deposit Rates in Idaho and Montana
This study examines the effect of S&L and credit union competition on bank behavior in Idaho and Montana. A structure-performance OLS model is used to estimate bank interest rates on certain deposits. Two key independent variables are local market share of credit unions and S&L deposits. Ove...
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| Veröffentlicht in: | Review of industrial organization 2000-12, Vol.17 (4), p.427-439 |
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| creator | TOKLE, ROBERT J. TOKLE, JOANNE G. |
| description | This study examines the effect of S&L and credit union competition on bank behavior in Idaho and Montana. A structure-performance OLS model is used to estimate bank interest rates on certain deposits. Two key independent variables are local market share of credit unions and S&L deposits. Overall, previous studies found little evidence that thrift competition affects bank performance. We found some evidence that thrift competition, especially from credit unions, results in higher interest rates for bank CDs. These results have policy implications as banking groups currently seek to restrict credit union competition. |
| doi_str_mv | 10.1023/A:1007894216526 |
| format | Article |
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A structure-performance OLS model is used to estimate bank interest rates on certain deposits. Two key independent variables are local market share of credit unions and S&L deposits. Overall, previous studies found little evidence that thrift competition affects bank performance. We found some evidence that thrift competition, especially from credit unions, results in higher interest rates for bank CDs. 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TOKLE, JOANNE G.</author></sort><facets><frbrtype>5</frbrtype><frbrgroupid>cdi_FETCH-LOGICAL-c341t-e720e554b5a5cfdc512c8ddd3d1a32b7ce94692f5aaf864aa5ffb911de529fa53</frbrgroupid><rsrctype>articles</rsrctype><prefilter>articles</prefilter><language>eng</language><creationdate>2000</creationdate><topic>Bank credit</topic><topic>Bank deposits</topic><topic>Bank loans</topic><topic>Bank markets</topic><topic>Bank rates</topic><topic>Banking industry</topic><topic>Banking services</topic><topic>Banks</topic><topic>Competition</topic><topic>Credit co-operatives</topic><topic>Credit unions</topic><topic>Depository Institutions Deregulation & Monetary Control Act 1980-US</topic><topic>Economic competition</topic><topic>Economic statistics</topic><topic>Economic theory</topic><topic>Food industry</topic><topic>Hypotheses</topic><topic>Idaho</topic><topic>Interest rates</topic><topic>Interest rates-deposits</topic><topic>Loans</topic><topic>Lobbying</topic><topic>Market shares</topic><topic>Montana</topic><topic>Mutual savings banks</topic><topic>Mutual savings institutions</topic><topic>Organizational behavior</topic><topic>Rent-seeking</topic><topic>Savings</topic><topic>Savings & loan associations</topic><topic>Savings banks</topic><topic>Studies</topic><topic>U.S.A</topic><topic>Variables</topic><toplevel>peer_reviewed</toplevel><toplevel>online_resources</toplevel><creatorcontrib>TOKLE, ROBERT J.</creatorcontrib><creatorcontrib>TOKLE, JOANNE G.</creatorcontrib><collection>ProQuest Social Sciences Premium Collection</collection><collection>ProQuest Central (Corporate)</collection><collection>PAIS Index</collection><collection>Access via ABI/INFORM (ProQuest)</collection><collection>ABI/INFORM Global (PDF only)</collection><collection>ProQuest Central (purchase pre-March 2016)</collection><collection>ABI/INFORM Global (Alumni Edition)</collection><collection>ProQuest Pharma Collection</collection><collection>International Bibliography of the Social Sciences (IBSS)</collection><collection>ProQuest Central (Alumni) (purchase pre-March 2016)</collection><collection>ABI/INFORM Collection (Alumni Edition)</collection><collection>ProQuest Central (Alumni Edition)</collection><collection>ProQuest Central UK/Ireland</collection><collection>Social Science Premium Collection</collection><collection>ProQuest Central</collection><collection>Business Premium Collection</collection><collection>ProQuest One Community College</collection><collection>PAIS International</collection><collection>PAIS International (Ovid)</collection><collection>Politics Collection</collection><collection>ProQuest Central Korea</collection><collection>International Bibliography of the Social Sciences</collection><collection>Business Premium Collection (Alumni)</collection><collection>ABI/INFORM Global (Corporate)</collection><collection>International Bibliography of the Social Sciences</collection><collection>ProQuest Business Collection (Alumni Edition)</collection><collection>ProQuest Business Collection</collection><collection>ProQuest Politics Collection</collection><collection>ABI/INFORM Professional Advanced</collection><collection>ABI/INFORM Global</collection><collection>Political Science Database</collection><collection>ProQuest One Business</collection><collection>ProQuest One Business (Alumni)</collection><collection>ProQuest One Academic Eastern Edition (DO NOT USE)</collection><collection>ProQuest One Academic</collection><collection>ProQuest One Academic UKI Edition</collection><collection>ProQuest Central Basic</collection><jtitle>Review of industrial organization</jtitle></facets><delivery><delcategory>Remote Search Resource</delcategory><fulltext>fulltext</fulltext></delivery><addata><au>TOKLE, ROBERT J.</au><au>TOKLE, JOANNE G.</au><format>journal</format><genre>article</genre><ristype>JOUR</ristype><atitle>The Influence of Credit Union and Savings and Loan Competition on Bank Deposit Rates in Idaho and Montana</atitle><jtitle>Review of industrial organization</jtitle><date>2000-12-01</date><risdate>2000</risdate><volume>17</volume><issue>4</issue><spage>427</spage><epage>439</epage><pages>427-439</pages><issn>0889-938X</issn><eissn>1573-7160</eissn><abstract>This study examines the effect of S&L and credit union competition on bank behavior in Idaho and Montana. A structure-performance OLS model is used to estimate bank interest rates on certain deposits. Two key independent variables are local market share of credit unions and S&L deposits. Overall, previous studies found little evidence that thrift competition affects bank performance. We found some evidence that thrift competition, especially from credit unions, results in higher interest rates for bank CDs. These results have policy implications as banking groups currently seek to restrict credit union competition.</abstract><cop>Boston</cop><pub>Kluwer Academic Publishers</pub><doi>10.1023/A:1007894216526</doi><tpages>13</tpages></addata></record> |
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| ispartof | Review of industrial organization, 2000-12, Vol.17 (4), p.427-439 |
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| source | PAIS Index; SpringerNature Journals; EBSCOhost Business Source Complete; JSTOR Archive Collection A-Z Listing |
| subjects | Bank credit Bank deposits Bank loans Bank markets Bank rates Banking industry Banking services Banks Competition Credit co-operatives Credit unions Depository Institutions Deregulation & Monetary Control Act 1980-US Economic competition Economic statistics Economic theory Food industry Hypotheses Idaho Interest rates Interest rates-deposits Loans Lobbying Market shares Montana Mutual savings banks Mutual savings institutions Organizational behavior Rent-seeking Savings Savings & loan associations Savings banks Studies U.S.A Variables |
| title | The Influence of Credit Union and Savings and Loan Competition on Bank Deposit Rates in Idaho and Montana |
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