Why Does Bank Performance Vary Across States?

David C. Wheelock · Michelle Clark Neely

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Banking stability, regulation, efficiency Banking Sector Performance and Management Banking Systems and Strategies

Abstract

Since 1980, commercial bank earnings have varied widely across states. The authors find that much of this variation can be attributed to the differences in economic conditions, and they suggest that interstate branching should promote a more stable banking system by enabling greater geographic diversification of bank operations.

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1991The Failure of Competition in the Credit Card Market 1994Banking regulation : its purposes, implementation, and effects

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