A case study of geographic deregulation: the new Illinois Bank Holding Company Act

Article Abstract:

Beginning January 1, 1982, an amendment to the Illinois Bank Holding Company Act of 1957 made geographic expansion of full-service banking legal. After analyzing the stock market's response to the amendment, via a case study of four Chicago-based bank holding companies, it was found that very little intra-state expansion had taken place. Antitrust laws are the probable cause of the lack of expansion, and it is also noted that relaxing the regulations prohibiting interstate banking would probably not result in an overconcentration in the marketplace.

DEPOSITORY INSTITUTIONS, Case studies, Deregulation, Illinois, Bank holding companies

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The Performance of First Pennsylvania Bank Prior to its Bail Out

Article Abstract:

The failure of the First Pennsylvania Bank was due to a combination of incompetency, speculation and bad luck. The return-on-equity model is used to analyze the bank's performance. Analysis of bank data starting ten years before the failure shows symptoms of trouble with the loan portfolio, investment strategy, gap management and expense controls. Problems were seen in analysis a full six years before the bank failed. It was ultimately bailed out by the government. A model and tables on the bank's performance are included.

Models, Performance, Analysis

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