Title

Comparative Perspective of Regional Level Bank Profitability

Graduation Year

2014

Comments

At the request of the author, this essay is not available for download. Bona fide researchers may consult it by visiting the University Archives in Tate Archives & Special Collections; contact archives@iwu.edu for details.

Abstract

Using state-level data spanning the period 1966- 2012, this study provides a comparative perspective on the underlying factors that affect bank profitability between the Atlanta, Chicago and San Francisco Federal R eserve Districts. Employing panel data estimation techniques, I examine the impact of different asset categories on various measures of bank profitability. Bank assets studied include real estate loans, loans to individuals, commercial and industry loans, and investment securities. Using a fixed effects model, I find that real estate loans during recessionary periods have a significantly negative impact on bank profitability in all three districts with the strongest impact in the San Francisco Federal R eserve District.

Disciplines

Economics

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