Interstate banking in rural markets: The evidence from the corn belt
This report studies the causes and effects of interstate expansion into the rural banking markets of the Corn Belt. A logit analysis indicates the prior characteristics attracting out-of-state organizations to specific rural banks include lower loan-to-deposit ratio, greater market share of deposits...
Gespeichert in:
| Veröffentlicht in: | Journal of banking & finance 1991-12, Vol.15 (6), p.1081-1091 |
|---|---|
| Hauptverfasser: | , |
| Format: | Artikel |
| Sprache: | eng |
| Schlagworte: | |
| Online-Zugang: | Volltext |
| Tags: |
Tag hinzufügen
Keine Tags, Fügen Sie den ersten Tag hinzu!
|
| container_end_page | 1091 |
|---|---|
| container_issue | 6 |
| container_start_page | 1081 |
| container_title | Journal of banking & finance |
| container_volume | 15 |
| creator | Lawrence, David B. Klugman, Marie R. |
| description | This report studies the causes and effects of interstate expansion into the rural banking markets of the Corn Belt. A logit analysis indicates the prior characteristics attracting out-of-state organizations to specific rural banks include lower loan-to-deposit ratio, greater market share of deposits, and less initial exposure to agricultural lending. Consistent with previous research on the more traditional forms of geographic market expansion, there is as yet no evidence the out-of-state organizations are abandoning local lending or competing unfairly. We do find significant increases in the loan-to-deposit ratios after purchase, due primarily to increases in the non-agricultural loan holdings on the portfolios. The results suggest the possibility the rural affiliates are serving as warehouses for loans originated elsewhere. |
| doi_str_mv | 10.1016/0378-4266(91)90051-M |
| format | Article |
| fullrecord | <record><control><sourceid>proquest_cross</sourceid><recordid>TN_cdi_proquest_miscellaneous_839251822</recordid><sourceformat>XML</sourceformat><sourcesystem>PC</sourcesystem><els_id>037842669190051M</els_id><sourcerecordid>1153731</sourcerecordid><originalsourceid>FETCH-LOGICAL-c522t-b72f312e1686c9479de872fdd12f0a619b8d0d85af840aeeddf77ba53738f14f3</originalsourceid><addsrcrecordid>eNp9kU1rVDEUhoNYcKz9By6CLtTFtfm4Nx8uClK_ClO6qeuQm5zYTO_kjklmoP_eXEe6EDRwknB43pfDexB6Scl7Sqg4J1yqrmdCvNX0nSZkoN31E7SiSrJOcMmeotUj8gw9L2VD2lGUr9Cnq1Qhl2or4NGm-5h-4Jhw3mc74a3N91DLB3x7BxgO0UNygEOet7i2jptzwiNM9QU6CXYqcPbnPUXfv3y-vfzWrW--Xl1-XHduYKx2o2SBUwZUKOF0L7WHNmHwnrJArKB6VJ54NdigemIBvA9SjnbgkqtA-8BP0Zuj7y7PP_dQqtnG4mCabIJ5X4zimg1UMdbIV3-Rm3mfUxvOUN0rqQZGGvT6nxDTjFEtiG5Uf6RcnkvJEMwux5bMg6HELPGbJVuzZGs0Nb_jN9dNtj7KMuzAPWoAYDOGmKw5GG7p0K6H5aOblNvYSrTaLa22oObf-nd12-wujnbQ8j1EyKa4uKzDxwyuGj_H_8_zC36Zo5Y</addsrcrecordid><sourcetype>Aggregation Database</sourcetype><iscdi>true</iscdi><recordtype>article</recordtype><pqid>1292219609</pqid></control><display><type>article</type><title>Interstate banking in rural markets: The evidence from the corn belt</title><source>RePEc</source><source>Elsevier ScienceDirect Journals</source><source>Periodicals Index Online</source><creator>Lawrence, David B. ; Klugman, Marie R.</creator><creatorcontrib>Lawrence, David B. ; Klugman, Marie R.</creatorcontrib><description>This report studies the causes and effects of interstate expansion into the rural banking markets of the Corn Belt. A logit analysis indicates the prior characteristics attracting out-of-state organizations to specific rural banks include lower loan-to-deposit ratio, greater market share of deposits, and less initial exposure to agricultural lending. Consistent with previous research on the more traditional forms of geographic market expansion, there is as yet no evidence the out-of-state organizations are abandoning local lending or competing unfairly. We do find significant increases in the loan-to-deposit ratios after purchase, due primarily to increases in the non-agricultural loan holdings on the portfolios. The results suggest the possibility the rural affiliates are serving as warehouses for loans originated elsewhere.</description><identifier>ISSN: 0378-4266</identifier><identifier>EISSN: 1872-6372</identifier><identifier>DOI: 10.1016/0378-4266(91)90051-M</identifier><identifier>CODEN: JBFIDO</identifier><language>eng</language><publisher>Amsterdam: Elsevier B.V</publisher><subject>Bank marketing ; Bank portfolios ; Effects ; Interstate banking ; Market entry ; Rural ; Rural areas ; Statistical analysis ; Studies</subject><ispartof>Journal of banking & finance, 1991-12, Vol.15 (6), p.1081-1091</ispartof><rights>1991</rights><rights>Copyright Elsevier Sequoia S.A. Dec 1991</rights><lds50>peer_reviewed</lds50><woscitedreferencessubscribed>false</woscitedreferencessubscribed><citedby>FETCH-LOGICAL-c522t-b72f312e1686c9479de872fdd12f0a619b8d0d85af840aeeddf77ba53738f14f3</citedby><cites>FETCH-LOGICAL-c522t-b72f312e1686c9479de872fdd12f0a619b8d0d85af840aeeddf77ba53738f14f3</cites></display><links><openurl>$$Topenurl_article</openurl><openurlfulltext>$$Topenurlfull_article</openurlfulltext><thumbnail>$$Tsyndetics_thumb_exl</thumbnail><linktohtml>$$Uhttps://www.sciencedirect.com/science/article/pii/037842669190051M$$EHTML$$P50$$Gelsevier$$H</linktohtml><link.rule.ids>314,776,780,3537,3994,27846,27901,27902,65306</link.rule.ids><backlink>$$Uhttp://econpapers.repec.org/article/eeejbfina/v_3a15_3ay_3a1991_3ai_3a6_3ap_3a1081-1091.htm$$DView record in RePEc$$Hfree_for_read</backlink></links><search><creatorcontrib>Lawrence, David B.</creatorcontrib><creatorcontrib>Klugman, Marie R.</creatorcontrib><title>Interstate banking in rural markets: The evidence from the corn belt</title><title>Journal of banking & finance</title><description>This report studies the causes and effects of interstate expansion into the rural banking markets of the Corn Belt. A logit analysis indicates the prior characteristics attracting out-of-state organizations to specific rural banks include lower loan-to-deposit ratio, greater market share of deposits, and less initial exposure to agricultural lending. Consistent with previous research on the more traditional forms of geographic market expansion, there is as yet no evidence the out-of-state organizations are abandoning local lending or competing unfairly. We do find significant increases in the loan-to-deposit ratios after purchase, due primarily to increases in the non-agricultural loan holdings on the portfolios. The results suggest the possibility the rural affiliates are serving as warehouses for loans originated elsewhere.</description><subject>Bank marketing</subject><subject>Bank portfolios</subject><subject>Effects</subject><subject>Interstate banking</subject><subject>Market entry</subject><subject>Rural</subject><subject>Rural areas</subject><subject>Statistical analysis</subject><subject>Studies</subject><issn>0378-4266</issn><issn>1872-6372</issn><fulltext>true</fulltext><rsrctype>article</rsrctype><creationdate>1991</creationdate><recordtype>article</recordtype><sourceid>X2L</sourceid><sourceid>K30</sourceid><recordid>eNp9kU1rVDEUhoNYcKz9By6CLtTFtfm4Nx8uClK_ClO6qeuQm5zYTO_kjklmoP_eXEe6EDRwknB43pfDexB6Scl7Sqg4J1yqrmdCvNX0nSZkoN31E7SiSrJOcMmeotUj8gw9L2VD2lGUr9Cnq1Qhl2or4NGm-5h-4Jhw3mc74a3N91DLB3x7BxgO0UNygEOet7i2jptzwiNM9QU6CXYqcPbnPUXfv3y-vfzWrW--Xl1-XHduYKx2o2SBUwZUKOF0L7WHNmHwnrJArKB6VJ54NdigemIBvA9SjnbgkqtA-8BP0Zuj7y7PP_dQqtnG4mCabIJ5X4zimg1UMdbIV3-Rm3mfUxvOUN0rqQZGGvT6nxDTjFEtiG5Uf6RcnkvJEMwux5bMg6HELPGbJVuzZGs0Nb_jN9dNtj7KMuzAPWoAYDOGmKw5GG7p0K6H5aOblNvYSrTaLa22oObf-nd12-wujnbQ8j1EyKa4uKzDxwyuGj_H_8_zC36Zo5Y</recordid><startdate>19911201</startdate><enddate>19911201</enddate><creator>Lawrence, David B.</creator><creator>Klugman, Marie R.</creator><general>Elsevier B.V</general><general>Elsevier</general><general>North-Holland Pub. Co</general><general>Elsevier Sequoia S.A</general><scope>DKI</scope><scope>X2L</scope><scope>AAYXX</scope><scope>CITATION</scope><scope>JQCIK</scope><scope>K30</scope><scope>PAAUG</scope><scope>PAWHS</scope><scope>PAWZZ</scope><scope>PAXOH</scope><scope>PBHAV</scope><scope>PBQSW</scope><scope>PBYQZ</scope><scope>PCIWU</scope><scope>PCMID</scope><scope>PCZJX</scope><scope>PDGRG</scope><scope>PDWWI</scope><scope>PETMR</scope><scope>PFVGT</scope><scope>PGXDX</scope><scope>PIHIL</scope><scope>PISVA</scope><scope>PJCTQ</scope><scope>PJTMS</scope><scope>PLCHJ</scope><scope>PMHAD</scope><scope>PNQDJ</scope><scope>POUND</scope><scope>PPLAD</scope><scope>PQAPC</scope><scope>PQCAN</scope><scope>PQCMW</scope><scope>PQEME</scope><scope>PQHKH</scope><scope>PQMID</scope><scope>PQNCT</scope><scope>PQNET</scope><scope>PQSCT</scope><scope>PQSET</scope><scope>PSVJG</scope><scope>PVMQY</scope><scope>PZGFC</scope><scope>8BJ</scope><scope>FQK</scope><scope>JBE</scope></search><sort><creationdate>19911201</creationdate><title>Interstate banking in rural markets: The evidence from the corn belt</title><author>Lawrence, David B. ; Klugman, Marie R.</author></sort><facets><frbrtype>5</frbrtype><frbrgroupid>cdi_FETCH-LOGICAL-c522t-b72f312e1686c9479de872fdd12f0a619b8d0d85af840aeeddf77ba53738f14f3</frbrgroupid><rsrctype>articles</rsrctype><prefilter>articles</prefilter><language>eng</language><creationdate>1991</creationdate><topic>Bank marketing</topic><topic>Bank portfolios</topic><topic>Effects</topic><topic>Interstate banking</topic><topic>Market entry</topic><topic>Rural</topic><topic>Rural areas</topic><topic>Statistical analysis</topic><topic>Studies</topic><toplevel>peer_reviewed</toplevel><toplevel>online_resources</toplevel><creatorcontrib>Lawrence, David B.</creatorcontrib><creatorcontrib>Klugman, Marie R.</creatorcontrib><collection>RePEc IDEAS</collection><collection>RePEc</collection><collection>CrossRef</collection><collection>Periodicals Index Online Segment 33</collection><collection>Periodicals Index Online</collection><collection>Primary Sources Access—Foundation Edition (Plan E) - West</collection><collection>Primary Sources Access (Plan D) - International</collection><collection>Primary Sources Access & Build (Plan A) - MEA</collection><collection>Primary Sources Access—Foundation Edition (Plan E) - Midwest</collection><collection>Primary Sources Access—Foundation Edition (Plan E) - Northeast</collection><collection>Primary Sources Access (Plan D) - Southeast</collection><collection>Primary Sources Access (Plan D) - North Central</collection><collection>Primary Sources Access—Foundation Edition (Plan E) - Southeast</collection><collection>Primary Sources Access (Plan D) - South Central</collection><collection>Primary Sources Access & Build (Plan A) - UK / I</collection><collection>Primary Sources Access (Plan D) - Canada</collection><collection>Primary Sources Access (Plan D) - EMEALA</collection><collection>Primary Sources Access—Foundation Edition (Plan E) - North Central</collection><collection>Primary Sources Access—Foundation Edition (Plan E) - South Central</collection><collection>Primary Sources Access & Build (Plan A) - International</collection><collection>Primary Sources Access—Foundation Edition (Plan E) - International</collection><collection>Primary Sources Access (Plan D) - West</collection><collection>Periodicals Index Online Segments 1-50</collection><collection>Primary Sources Access (Plan D) - APAC</collection><collection>Primary Sources Access (Plan D) - Midwest</collection><collection>Primary Sources Access (Plan D) - MEA</collection><collection>Primary Sources Access—Foundation Edition (Plan E) - Canada</collection><collection>Primary Sources Access—Foundation Edition (Plan E) - UK / I</collection><collection>Primary Sources Access—Foundation Edition (Plan E) - EMEALA</collection><collection>Primary Sources Access & Build (Plan A) - APAC</collection><collection>Primary Sources Access & Build (Plan A) - Canada</collection><collection>Primary Sources Access & Build (Plan A) - West</collection><collection>Primary Sources Access & Build (Plan A) - EMEALA</collection><collection>Primary Sources Access (Plan D) - Northeast</collection><collection>Primary Sources Access & Build (Plan A) - Midwest</collection><collection>Primary Sources Access & Build (Plan A) - North Central</collection><collection>Primary Sources Access & Build (Plan A) - Northeast</collection><collection>Primary Sources Access & Build (Plan A) - South Central</collection><collection>Primary Sources Access & Build (Plan A) - Southeast</collection><collection>Primary Sources Access (Plan D) - UK / I</collection><collection>Primary Sources Access—Foundation Edition (Plan E) - APAC</collection><collection>Primary Sources Access—Foundation Edition (Plan E) - MEA</collection><collection>International Bibliography of the Social Sciences (IBSS)</collection><collection>International Bibliography of the Social Sciences</collection><collection>International Bibliography of the Social Sciences</collection><jtitle>Journal of banking & finance</jtitle></facets><delivery><delcategory>Remote Search Resource</delcategory><fulltext>fulltext</fulltext></delivery><addata><au>Lawrence, David B.</au><au>Klugman, Marie R.</au><format>journal</format><genre>article</genre><ristype>JOUR</ristype><atitle>Interstate banking in rural markets: The evidence from the corn belt</atitle><jtitle>Journal of banking & finance</jtitle><date>1991-12-01</date><risdate>1991</risdate><volume>15</volume><issue>6</issue><spage>1081</spage><epage>1091</epage><pages>1081-1091</pages><issn>0378-4266</issn><eissn>1872-6372</eissn><coden>JBFIDO</coden><abstract>This report studies the causes and effects of interstate expansion into the rural banking markets of the Corn Belt. A logit analysis indicates the prior characteristics attracting out-of-state organizations to specific rural banks include lower loan-to-deposit ratio, greater market share of deposits, and less initial exposure to agricultural lending. Consistent with previous research on the more traditional forms of geographic market expansion, there is as yet no evidence the out-of-state organizations are abandoning local lending or competing unfairly. We do find significant increases in the loan-to-deposit ratios after purchase, due primarily to increases in the non-agricultural loan holdings on the portfolios. The results suggest the possibility the rural affiliates are serving as warehouses for loans originated elsewhere.</abstract><cop>Amsterdam</cop><pub>Elsevier B.V</pub><doi>10.1016/0378-4266(91)90051-M</doi><tpages>11</tpages></addata></record> |
| fulltext | fulltext |
| identifier | ISSN: 0378-4266 |
| ispartof | Journal of banking & finance, 1991-12, Vol.15 (6), p.1081-1091 |
| issn | 0378-4266 1872-6372 |
| language | eng |
| recordid | cdi_proquest_miscellaneous_839251822 |
| source | RePEc; Elsevier ScienceDirect Journals; Periodicals Index Online |
| subjects | Bank marketing Bank portfolios Effects Interstate banking Market entry Rural Rural areas Statistical analysis Studies |
| title | Interstate banking in rural markets: The evidence from the corn belt |
| url | https://sfx.bib-bvb.de/sfx_tum?ctx_ver=Z39.88-2004&ctx_enc=info:ofi/enc:UTF-8&ctx_tim=2025-01-30T13%3A22%3A08IST&url_ver=Z39.88-2004&url_ctx_fmt=infofi/fmt:kev:mtx:ctx&rfr_id=info:sid/primo.exlibrisgroup.com:primo3-Article-proquest_cross&rft_val_fmt=info:ofi/fmt:kev:mtx:journal&rft.genre=article&rft.atitle=Interstate%20banking%20in%20rural%20markets:%20The%20evidence%20from%20the%20corn%20belt&rft.jtitle=Journal%20of%20banking%20&%20finance&rft.au=Lawrence,%20David%20B.&rft.date=1991-12-01&rft.volume=15&rft.issue=6&rft.spage=1081&rft.epage=1091&rft.pages=1081-1091&rft.issn=0378-4266&rft.eissn=1872-6372&rft.coden=JBFIDO&rft_id=info:doi/10.1016/0378-4266(91)90051-M&rft_dat=%3Cproquest_cross%3E1153731%3C/proquest_cross%3E%3Curl%3E%3C/url%3E&disable_directlink=true&sfx.directlink=off&sfx.report_link=0&rft_id=info:oai/&rft_pqid=1292219609&rft_id=info:pmid/&rft_els_id=037842669190051M&rfr_iscdi=true |