An analysis of inefficiencies in banking: a stochastic cost frontier approach

Article Abstract:

A stochastic cost frontier method is used to examine 254 bank holding company operations during the period 1986-1991. The approximates of X-inefficiencies, or the disparities between desired optimum and actual output, were in big proportions. The extent as well as comparative differences in X-inefficiencies were bigger among smaller banks than larger banks. However, both sectors exhibited decreasing X-inefficiencies in 1986 to 1990 while bank rankings for particular bank classifications continued over the years from nearly one to three and a half.

Offices of Bank Holding Companies, Bank holding companies

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Factors influencing community bank performance in California

Article Abstract:

The performance of community banks in California is affected by regional conditions and management decisions regarding loan portfolios. Data from three major state regions between 1984 and 1994 indicate that the community banks' concentration on real estate loans, particularly risky construction loans, has reduced the banks' asset quality during the period because of recession and slow real estate market. The banks are susceptible to economic downturns because of their limited resources and smaller geographic coverage.

Banking Institutions, Depository Credit Intermediation, DEPOSITORY INSTITUTIONS, Analysis, Economic aspects, Banks (Finance), California, Bank management

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Capital regulation and bank lending

Article Abstract:

A study was conducted to evaluate the impact of capital standards in the 1990s and analyze the relationship between such standards and bank loans. Results based on empirical tests show that capital standards increased in the 1990s. Bank lending rates also indicated a positive relationship with capital-to-assets ratios. Bank loan sensitivity to capital positions likewise increased for the period.

Bank capital

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