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Saturday, July 25, 2020 | History

5 edition of Assessing a decade of interstate bank branching found in the catalog.

Assessing a decade of interstate bank branching

Christian A. Johnson

Assessing a decade of interstate bank branching

by Christian A. Johnson

  • 311 Want to read
  • 14 Currently reading

Published by Federal Reserve Bank of Chicago in [Chicago, Ill.] .
Written in English

    Subjects:
  • Banks and banking -- Branch banks -- United States -- States,
  • Banks and banking -- Branch banks -- Law and legislation -- United States -- States,
  • Interstate banking -- United States,
  • Interstate banking -- Law and legislation -- United States

  • Edition Notes

    StatementChristian A. Johnson, Tara Rice.
    SeriesWorking paper series -- WP-2007-03, Working paper series (Federal Reserve Bank of Chicago. Research Dept. : Online) -- WP-2007-03.
    ContributionsRice, Tara N., Federal Reserve Bank of Chicago. Research Dept.
    Classifications
    LC ClassificationsHG2401
    The Physical Object
    FormatElectronic resource
    ID Numbers
    Open LibraryOL16316596M
    LC Control Number2007615454

    “Assessing a Decade of Interstate Bank Branching: Do Differential State Regulations Affect Out-Of-State Branch Growth?” Washington and Lee Law Review, March (with Christian Johnson). “Noninterest Income and Financial Performance at U.S. Commercial Banks,” The Symposium on .   ^Federal Reserve Bank of Chicago, Assessing a Decade of Interstate Bank Branching, April ^“The branch banking boom in Illinois: A byproduct of restrictive branching laws”. AllBusiness. Retrieved

    Recent research suggests that branch banks tend to be more profitable than either unit or holding company banks, while interstate banks tend to be the most profitable of all. False Less than 10 percent of the largest banks in the U.S. control almost 90 percent of the industry assets. First Interstate Bank was established on the principles and values of our founder, Homer Scott, Sr. In , Mr. Scott purchased the Bank of Commerce in Sheridan, Wyoming, and began building his vision of a premier community bank committed to providing quality customer service, attracting high quality employees, and serving the local community with long-term perspective and discipline.

    ^ Federal Reserve Bank of Chicago, Assessing a Decade of Interstate Bank Branching, April ^ "The branch banking boom in Illinois: A byproduct of restrictive branching laws". AllBusiness. Retrieved ^ "Banks Operating in Canada, CBA". Retrieved 11 April The legislation also topples the last remaining obstacle to interstate banking, the McFadden Act's year-old prohibition to interstate branching. Beginning June 1, , BHCs may consolidate their interstate bank affiliates into branch networks, and free-standing banks may branch interstate by merging with another bank across state lines.


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Assessing a decade of interstate bank branching by Christian A. Johnson Download PDF EPUB FB2

2 Assessing a Decade of Interstate Bank Branching Christian A. Johnson and Tara Rice “One aspect of the American banking system that quickly impresses itself on the mind of a foreign observer is its fragmented structure [The] prospective developments in the payments mechanism –.

Request PDF | Assessing a Decade of Interstate Bank Branching | U.S. banking regulation has historically prohibited the ability of a bank to open or own a branch located outside of its home state. Downloadable. U.S. banking regulation has historically prohibited the ability of a bank to open or own a branch located outside of its home state, commonly referred to as interstate branching.

Only since the passage of the Riegle-Neal Interstate Banking and Branching Efficiency Act (IBBEA) in have banks have been able to engage in interstate branching, though subject to state restrictions.

U.S. banking regulation has historically prohibited the ability of a bank to open or own a branch located outside of its home state, commonly referred to as interstate branching. Only since the passage of the Riegle-Neal Interstate Banking and Branching Efficiency Act (IBBEA) in have banks have been able to engage in interstate branching Cited by: U.S.

banking regulation has historically prohibited the ability of a bank to open or own a branch located outside of its home state, commonly referred to as interstate branching.

Only since the passage of the Riegle-Neal Interstate Banking and Branching Efficiency Act (IBBEA) in have banks have been able to engage in interstate branching, though subject to state : Tara N. Rice, Christian A.

Johnson. Assessing a Decade of Interstate Bank Branching By Christian A. Johnson, Tara Rice U.S. banking regulation has historically prohibited the ability of a bank to open or own a branch located outside of its home state, commonly referred to as interstate branching.

ASSESSING A DECADE OF INTERSTATE BANK BRANCHING 77 commercial banks in the United States. Based upon our empirical analysis, covering all fifty states plus the District of Columbia over eleven years, we find that certain state-imposed restrictions permitted by IBBEA are associated with limited out-of-state branch growth in some states.

To address this, The Bank Holding Company Act of prohibited bank holding companies headquartered in one state from having branches in any other state. Most interstate banking prohibitions were repealed by the Riegle-Neal Interstate Banking and Branching Efficiency Act of Assessing a decade of interstate bank branching”, Federal Reserve Bank of Chicago, Working Paper, ().

Bank capital regulation and incentives for risk-taking”, (). Branch Banking in the United States”, The Quarterly. The passage of the Riegle–Neal Interstate Banking and Branching Efficiency Act of will usher in an era of widespread branch banking, changing the landscape and structure of the banking industry throughout the United States.

Banks already are beginning to restructure to take advantage of the efficiencies of the act. Since its inception, US. banking regulation has effectively prohibited a bank from opening or owning a branch located outside of its home state, commonly referred to as interstate branching.

Only since the passage of the Riegle-Neal Interstate Banking and Branching Efficiency Act (IBBEA) of have banks been able to engage in interstate branching, albeit still subject to significant state.

How do changes in banking regulation affect the syndicated loan market. Because branch networks and loan syndication both enable banks to diversify geographical credit risk, we investigate the staggered implementation of the Riegle–Neal Interstate Branching and Banking Efficiency Act of McLaughlin, S.

The impact of interstate banking and branching reform: evidence from the states. Federal Reserve Bank of New York Current Issues (May): Meslier, C. Morgan, D.P. Samolyk, K. and Tarazi, A. The benefits of intrastate and interstate geographic diversification in banking.

We find three states where the interstate bank branching restrictions were further amended by InMontana allowed interstate de novo branching by out-of-state banks. InMississippi allowed interstate branching through the acquisition of single branches or other portions of an institution and through de novo branching.

Riegle-Neal Interstate Banking and Branching Efficiency Act of September Signed into law by President Bill Clinton in Septemberthe law removed several obstacles to banks opening branches in other states and provided a uniform set of rules regarding banking in each state.

Interstate banking refers to a bank holding company that is permitted to own and operate banks in more than one state. In the mids, state legislatures passed bills allowing states to rule. In states like Arkansas and Missouri—with limited branching and regional reciprocal interstate banking laws on the books—a lot could change, assuming the states do not opt out of interstate branching.

A mini-industry of predicting which banks are ripe for takeover and which will go on an acquisition spree has already cropped up. Pursuant to a congressional request, GAO reviewed the proposed changes in interstate banking and branching laws, focusing on the: (1) impact of interstate banking on the banking industry; (2) implications of removing interstate banking and branching laws on the safety and soundness of the banking industry, the Bank Insurance Fund, and the economy; and (3) risks associated with removing.

The Case for Interstate Branch Banking David L. Mengle l When asked about the most important develop: ments in banking in the decade of the Os, most people are likely to point to the thrift debacle or to losses on loans to less developed countries.

There are a few interstate bank branches. The Tax Clinic and Legal Education: Assessing a Decade of Experience (co-authored with Mary Grossman) 50 Journal of Legal Education () At the Intersection of Bank Finance and Derivative Transactions: Who has the Right of Way, 66 Tennessee Law Review 1 (Fall ) (cited in Thrifty Oil Co.

Bank of America, B.R. (S.D. Assessing a Decade of Interstate Bank Branching. FRB of Chicago Working Paper No. Number of pages: 46 Posted: 20 Apr View PDF; Download; Abstract: Riegle-Neal Interstate Banking and Branching Efficiency Act, interstate branching, out-of-state entry.

6. Exigent and Unusual Circumstances: The Federal Reserve and the U.S.bank heist. In Junea highly trained group, called the "Hole in the Ground" crew by the media, tunneled under the First Interstate Bank in Hollywood at Spaulding Avenue and Sunset Boulevard through an extensive network of tunnels over the course of several months and took about US$, (equivalent to $, in ) in cash and the contents of 36 safety deposit boxes valued at.The purpose of this part is to implement section (12 U.S.C.

a) of the Riegle-Neal Interstate Banking and Branching Efficiency Act of (Interstate Act). (b) Scope--(1) This part applies to any state nonmember bank that has operated a covered interstate branch for a period of at least one year.