Event Title

Comparative Perspective of Regional Level Bank Profitability

Graduation Year

2014

Location

Room E104, Center for Natural Sciences, Illinois Wesleyan University

Start Date

12-4-2014 11:00 AM

End Date

12-4-2014 12:00 PM

Description

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 Reserve Districts. Employing panel data estimation techniques, I examine the impact of different asset categories on various measures of bank profitability. The profitability factors 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 Reserve District.

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Apr 12th, 11:00 AM Apr 12th, 12:00 PM

Comparative Perspective of Regional Level Bank Profitability

Room E104, Center for Natural Sciences, Illinois Wesleyan University

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 Reserve Districts. Employing panel data estimation techniques, I examine the impact of different asset categories on various measures of bank profitability. The profitability factors 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 Reserve District.