Details about Allen N. Berger

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Workplace:	Federal Reserve Board (Board of Governors of the Federal Reserve System), (more information at EDIRC) Financial Institutions Center, Wharton School of Business, University of Pennsylvania, (more information at EDIRC)

Access statistics for papers by Allen N. Berger.

Last updated 2008-07-15. Update your information in the RePEc Author Service.

Short-id: pbe359

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Working Papers

2007

1. Bank ownership and efficiency in China: what lies ahead in the world’s largest nation?
   Research Discussion Papers, Bank of Finland
2. Why do borrowers pledge collateral? new empirical evidence on the role of asymmetric information
   Working Paper, Federal Reserve Bank of Atlanta View citations

2006

3. Bank ownership type and banking relationships
   Policy Research Working Paper Series, The World Bank View citations

2005

4. A more complete conceptual framework for financing of small and medium enterprises
   Policy Research Working Paper Series, The World Bank View citations
5. Corporate governance and bank performance: a joint analysis of the static, selection, and dynamic effects of domestic, foreign, and state ownership
   Policy Research Working Paper Series, The World Bank View citations
   See also Journal Article in Journal of Banking & Finance (2005)
6. Debt Maturity, Risk, and Asymmetric Information
   IMF Working Papers, International Monetary Fund View citations
   Also in Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) (2004) View citations
   Working Paper, Federal Reserve Bank of Atlanta (2004) View citations
   See also Journal Article in Journal of Finance (2005)
7. Does Market Size Structure Affect Competition? The Case of Small Business Lending
   CEI Working Paper Series, Center for Economic Institutions, Institute of Economic Research, Hitotsubashi University
   See also Journal Article in Journal of Banking & Finance (2007)
8. Small business credit scoring and credit availability
   Working Paper, Federal Reserve Bank of Atlanta View citations
9. The Effects of Competition from Large, Multimarket Firms on the Performance of Small, Single-Market Firms: Evidence from the Banking Industry Author-Name: Allen N. Berger
   Working Papers, New York University, Leonard N. Stern School of Business, Department of Economics
10. The effects of competition from large, multimarket firms on the performance of small, single-market firms: evidence from the banking industry
    Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) View citations

2004

11. Further evidence on the link between finance and growth: An international analysis of community banking and economic performance
    Research Discussion Papers, Bank of Finland View citations
    Also in Finance, EconWPA (2004) View citations
    Policy Research Working Paper Series, The World Bank (2003) View citations
    Finance, EconWPA (2004) View citations
    Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) (2003) View citations
    See also Journal Article in Journal of Financial Services Research (2004)
12. Potential competitive effects of Basel II on banks in SME credit markets in the United States
    Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) View citations
    See also Journal Article in Journal of Financial Services Research (2006)

2003

13. The institutional memory hypothesis and the procyclicality of bank lending behavior
    Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) View citations
    Also in BIS Working Papers, Bank for International Settlements (2003) View citations
    See also Journal Article in Journal of Financial Intermediation (2004)

2002

14. Capital structure and firm performance: a new approach to testing agency theory and an application to the banking industry
    Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) View citations
    See also Journal Article in Journal of Banking & Finance (2006)
15. Credit scoring and the availability, price, and risk of small business credit
    Working Paper, Federal Reserve Bank of Atlanta View citations
    Also in Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) (2002) View citations
    See also Journal Article in Journal of Money, Credit and Banking (2005)
16. Does Function Follow Organizational Form? Evidence From the Lending Practices of Large and Small Banks
    NBER Working Papers, National Bureau of Economic Research, Inc View citations
    Also in Harvard Institute of Economic Research Working Papers, Harvard - Institute of Economic Research (2002)
    See also Journal Article in Journal of Financial Economics (2005)
17. Explaining the dramatic changes in performance of U.S. banks: technological change, deregulation, and dynamic changes in competition
    Working Papers, Federal Reserve Bank of Philadelphia View citations
    Also in Center for Financial Institutions Working Papers, Wharton School Center for Financial Institutions, University of Pennsylvania (2001) View citations
    See also Journal Article in Journal of Financial Intermediation (2003)
18. Technological progress and the geographic expansion of the banking industry
    Working Paper Series, Federal Reserve Bank of Chicago View citations
    Also in Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) (2002) View citations
    See also Journal Article in Journal of Money, Credit and Banking (2006)
19. The economic effects of technological progress: evidence from the banking industry
    Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) View citations
    See also Journal Article in Journal of Money, Credit and Banking (2003)
20. To what extent will the banking industry be globalized? a study of bank nationality and reach in 20 European nations
    International Finance Discussion Papers, Board of Governors of the Federal Reserve System (U.S.) View citations
    Also in Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) (2002) View citations
    See also Journal Article in Journal of Banking & Finance (2003)

2001

21. Small business credit availability and relationship lending: the importance of bank organizational structure
    Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) View citations
    See also Journal Article in Economic Journal (2002)
22. The Effects of Dynamic Change in Bank Competition on the Supply of Small Business Credit
    New York University, Leonard N. Stern School Finance Department Working Paper Seires, New York University, Leonard N. Stern School of Business- View citations
    Also in Working Papers, New York University, Leonard N. Stern School of Business, Department of Economics (2001) View citations
    Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) (2001) View citations
23. The ability of banks to lend to informationally opaque small businesses
    Policy Research Working Paper Series, The World Bank View citations
    Also in Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) (2001) View citations
    See also Journal Article in Journal of Banking & Finance (2001)
24. The effect of market size structure on competition: the case of small business lending
    Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) View citations
    Also in Working Paper Series, Federal Reserve Bank of Chicago (2001) View citations
25. The effects of geographic expansion on bank efficiency
    Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) View citations
    Also in Working Paper Series, Federal Reserve Bank of Chicago (2000) View citations
    See also Journal Article in Journal of Financial Services Research (2001)

2000

26. Conglomeration Versus Strategic Focus: Evidence from the Insurance Industry
    Center for Financial Institutions Working Papers, Wharton School Center for Financial Institutions, University of Pennsylvania View citations
    Also in Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) (1999) View citations
    See also Journal Article in Journal of Financial Intermediation (2000)
27. Did U.S. Bank Supervisors Get Tougher During the Credit Crunch? Did They Get Easier During the Banking Boom? Did It Matter to Bank Lending?
    NBER Working Papers, National Bureau of Economic Research, Inc
    Also in Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) (2000)
28. Efficiency barriers to the consolidation of the European financial services industry
    Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) View citations
29. Globalization of financial institutions: evidence from cross-border banking performance
    Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) View citations
    Also in Working Paper Series, Federal Reserve Bank of Chicago (1999) View citations
30. The Dynamics of Market Entry: The Effects of Mergers and Acquisitions on De Novo Entry and Small Business Lending in the Banking Industry
    Center for Financial Institutions Working Papers, Wharton School Center for Financial Institutions, University of Pennsylvania View citations
    Also in Working Papers, New York University, Leonard N. Stern School of Business, Department of Economics (1999)
    Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) (1999)
31. The integration of the financial services industry: where are the efficiencies?
    Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) View citations

1999

32. Lines of Credit and Relationship Lending in Small Firm Finance
    Macroeconomics, EconWPA View citations
    Also in Center for Financial Institutions Working Papers, Wharton School Center for Financial Institutions, University of Pennsylvania (1994) View citations
    See also Journal Article in Proceedings (1994)
33. What Explains the Dramatic Changes in Cost and Profit Performance of the U.S. Banking Industry?
    Center for Financial Institutions Working Papers, Wharton School Center for Financial Institutions, University of Pennsylvania View citations
    Also in Working Papers, Federal Reserve Bank of Philadelphia (1999) View citations
    Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) (1999) View citations
34. Why are bank profits so persistent: the roles of product market competition, informational opacity, and regional/macroeconomic shocks
    Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) View citations
    See also Journal Article in Journal of Banking & Finance (2000)

1998

35. Comparing market and supervisory assessments of bank performance: who knows what when?
    Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) View citations
    See also Journal Article in Journal of Money, Credit and Banking (2000)
36. The Effects of Bank Mergers and Acquisitions on Small Business Lending
    New York University, Leonard N. Stern School Finance Department Working Paper Seires, New York University, Leonard N. Stern School of Business- View citations
    Also in New York University, Leonard N. Stern School Finance Department Working Paper Seires, New York University, Leonard N. Stern School of Business- (1997) View citations
    Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) (1997) View citations
    See also Journal Article in Journal of Financial Economics (1998)
37. The consolidation of the financial services industry: causes, consequences, and implications for the future
    Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) View citations
    See also Journal Article in Journal of Banking & Finance (1999)
38. The consolidation of the financial services industry: causes, consequences, and the implications for the future
    Staff Reports, Federal Reserve Bank of New York View citations
39. The economics of small business finance: the roles of private equity and debt markets in the financial growth cycle
    Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) View citations
    See also Journal Article in Journal of Banking & Finance (1998)

1997

40. Consistency conditions for regulatory analysis of financial institutions: a comparison of frontier efficiency methods
    Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) View citations
    See also Journal Article in Journal of Economics and Business (1998)
41. Efficiency and productivity change in the U.S. commercial banking industry: a comparison of the 1980s and 1990s
    Working Papers, Federal Reserve Bank of Philadelphia
42. Efficiency of Financial Institutions: International Survey and Directions for Future Research
    Center for Financial Institutions Working Papers, Wharton School Center for Financial Institutions, University of Pennsylvania View citations
    Also in Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) (1997) View citations
    See also Journal Article in European Journal of Operational Research (1997)
43. Inside the Black Box: What Explains Differences in the Efficiencies of Financial Institutions?
    Center for Financial Institutions Working Papers, Wharton School Center for Financial Institutions, University of Pennsylvania View citations
    Also in Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) (1997) View citations
    Working Papers, Federal Reserve Bank of Philadelphia (1997) View citations
    See also Journal Article in Journal of Banking & Finance (1997)
44. Problem loans and cost efficiency in commercial banks
    Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) View citations
    Also in Center for Financial Institutions Working Papers, Wharton School Center for Financial Institutions, University of Pennsylvania (1995) View citations
    See also Journal Article in Journal of Banking & Finance (1997)
45. The effects of megamergers on efficiency and prices: evidence from a bank profit function
    Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) View citations
    Also in Center for Financial Institutions Working Papers, Wharton School Center for Financial Institutions, University of Pennsylvania (1996) View citations

1995

46. The Coexistence of Multiple Distributions Systems for Financial Services: The Case of Property-Liability Insurance
    Center for Financial Institutions Working Papers, Wharton School Center for Financial Institutions, University of Pennsylvania
    Also in Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) (1995) View citations
    See also Journal Article in Journal of Business (1997)
47. The Role of Capital in Financial Institutions
    Center for Financial Institutions Working Papers, Wharton School Center for Financial Institutions, University of Pennsylvania View citations
    Also in Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) (1995) View citations
    See also Journal Article in Journal of Banking & Finance (1995)
48. The Transformation of the U.S. Banking Industry: What a Long, Strange Trip It's Been
    Center for Financial Institutions Working Papers, Wharton School Center for Financial Institutions, University of Pennsylvania View citations
49. Universal Banking and the Future of Small Business Lending
    Center for Financial Institutions Working Papers, Wharton School Center for Financial Institutions, University of Pennsylvania View citations
    Also in Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) (1995) View citations

1994

50. Bank Scale Economies, Mergers, Concentration, and Efficiency: The U.S. Experience
    Center for Financial Institutions Working Papers, Wharton School Center for Financial Institutions, University of Pennsylvania View citations
    Also in Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) (1994) View citations
51. Did Risk-Based Capital Allocate Bank Credit and Cause a `Credit Crunch' in the U.S.?
    Center for Financial Institutions Working Papers, Wharton School Center for Financial Institutions, University of Pennsylvania
    Also in Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) (1993) View citations
52. The Efficiency Cost of Market Power in the Banking Industry: A Test of the 'Quiet Life' and Related Hypotheses
    Center for Financial Institutions Working Papers, Wharton School Center for Financial Institutions, University of Pennsylvania View citations
    Also in Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) (1994) View citations
    See also Journal Article in The Review of Economics and Statistics (1998)
53. The Efficiency of Bank Branches
    Center for Financial Institutions Working Papers, Wharton School Center for Financial Institutions, University of Pennsylvania View citations
    Also in Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) (1994) View citations
    See also Journal Article in Journal of Monetary Economics (1997)
54. The Information Content of Bank Examinations
    Center for Financial Institutions Working Papers, Wharton School Center for Financial Institutions, University of Pennsylvania View citations
    Also in Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) (1994) View citations
    See also Journal Article in Journal of Financial Services Research (1998)
55. The Relationship Between Capital and Earnings in Banking
    Center for Financial Institutions Working Papers, Wharton School Center for Financial Institutions, University of Pennsylvania View citations
    Also in Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) (1994) View citations
    See also Journal Article in Journal of Money, Credit and Banking (1995)

1993

56. Do Consumers Pay for One-Stop Banking?
    Center for Financial Institutions Working Papers, Wharton School Center for Financial Institutions, University of Pennsylvania
57. Do consumers pay for one-stop banking? Evidence from a non-standard revenue function
    Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) View citations
58. Lines of credit, collateral, and relationship lending in small firm finance
    Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) View citations
59. Using efficiency measures to distinguish among alternative explanations of the structure-performance relationship in banking
    Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) View citations

1992

60. 'Distribution free' estimates of efficiency of the U.S. banking industry and tests of the standard distributional assumptions
    Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.)
61. Bank efficiency derived from a profit function
    Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.)
62. Megamergers in banking and the use of cost efficiency as an antitrust defense
    Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) View citations

1991

63. Inefficiency and productivity growth in banking: a comparison of stochastic econometric and thick frontier methods
    Working Paper, Federal Reserve Bank of Cleveland
64. Securitization, risk, and the liquidity problem in banking
    Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) View citations
65. The profit-concentration relationship in banking
    Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.)

1990

66. Loan commitments and bank risk exposure
    Working Paper, Federal Reserve Bank of Cleveland View citations
    Also in Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) (1988)
    Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) (1989) View citations
    See also Journal Article in Journal of Banking & Finance (1991)
67. Measurement and efficiency issues in commercial banking
    Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) View citations
68. Risk-based capital and deposit insurance reform
    Working Paper, Federal Reserve Bank of Cleveland
    See also Journal Article in Journal of Banking & Finance (1991)
69. Some evidence on the empirical significance of credit rationing
    Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) View citations
    See also Journal Article in Journal of Political Economy (1992)
70. The dominance of inefficiencies over scale and product mix economies in banking
    Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) View citations
    See also Journal Article in Journal of Monetary Economics (1991)

1989

71. Price rigidity and market structure: theory and evidence from the banking industry
    Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) View citations
72. Some red flags concerning market value accounting
    Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) View citations
    See also Journal Article in Proceedings (1989)

1988

73. Collateral, loan quality, and bank risk
    Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.)
    See also Journal Article in Journal of Monetary Economics (1990)
74. Market failure and resource use: economic incentives to use different payment instruments
    Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.)
    See also Journal Article in Proceedings (1988)
75. Risk-based capital and off-balance sheet activities
    Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) View citations
    See also Journal Article in Proceedings (1988)
76. The price-concentration relationship in banking
    Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.)
    Also in Research Papers in Banking and Financial Economics, Board of Governors of the Federal Reserve System (U.S.) (1987) View citations
    See also Journal Article in The Review of Economics and Statistics (1989)

1987

77. Securitization with recourse: an instrument that offers uninsured bank depositors sequential claims
    Research Papers in Banking and Financial Economics, Board of Governors of the Federal Reserve System (U.S.) View citations
    See also Journal Article in Journal of Banking & Finance (1987)
78. Why random walk models of the term structure are hard to reject
    Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.)
    See also Journal Article in Journal of Business & Economic Statistics (1989)

1986

79. An empirical analysis of standby letters of credit
    Research Papers in Banking and Financial Economics, Board of Governors of the Federal Reserve System (U.S.) View citations
    See also Journal Article in Proceedings (1986)
80. Competitive viability in banking: scale, scope, and product mix economies
    Research Papers in Banking and Financial Economics, Board of Governors of the Federal Reserve System (U.S.) View citations
    See also Journal Article in Journal of Monetary Economics (1987)
81. Interstate banking: impacts on the payments system
    Research Papers in Banking and Financial Economics, Board of Governors of the Federal Reserve System (U.S.)
82. Substituting loan insurance for intermediation: the private and social benefits of standby letters of credit
    Research Papers in Banking and Financial Economics, Board of Governors of the Federal Reserve System (U.S.)

1985

83. The role of interstate banking in the diffusion of electronic payments technology
    Research Papers in Banking and Financial Economics, Board of Governors of the Federal Reserve System (U.S.)

1983

84. Economies of scale and scope in banking
    Research Papers in Banking and Financial Economics, Board of Governors of the Federal Reserve System (U.S.) View citations
85. Tests of the fair game-efficient markets hypothesis
    Research Papers in Banking and Financial Economics, Board of Governors of the Federal Reserve System (U.S.)
86. The informational efficiency of econometric model forecasts
    Research Papers in Banking and Financial Economics, Board of Governors of the Federal Reserve System (U.S.)
    See also Journal Article in The Review of Economics and Statistics (1985)

Journal Articles

2007

1. Competition from Large, Multimarket Firms and the Performance of Small, Single-Market Firms: Evidence from the Banking Industry
   Journal of Money, Credit and Banking, 2007, 39, (2-3), 331-368 View citations
2. Does market size structure affect competition? The case of small business lending
   Journal of Banking & Finance, 2007, 31, (1), 11-33 View citations
   See also Working Paper (2005)
3. Entry into Banking Markets and the Early-Mover Advantage
   Journal of Money, Credit and Banking, 2007, 39, (4), 775-807 View citations
4. Obstacles to a global banking system: "Old Europe" versus "New Europe"
   Journal of Banking & Finance, 2007, 31, (7), 1955-1973 View citations

2006

5. A more complete conceptual framework for SME finance
   Journal of Banking & Finance, 2006, 30, (11), 2945-2966 View citations
6. Capital structure and firm performance: A new approach to testing agency theory and an application to the banking industry
   Journal of Banking & Finance, 2006, 30, (4), 1065-1102 View citations
   See also Working Paper (2002)
7. Potential Competitive Effects of Basel II on Banks in SME Credit Markets in the United States
   Journal of Financial Services Research, 2006, 29, (1), 5-36 View citations
   See also Working Paper (2004)
8. Technological Progress and the Geographic Expansion of the Banking Industry
   Journal of Money, Credit and Banking, 2006, 38, (6), 1483-1513 View citations
   Also in Proceedings, 2002, (May), 494-508 (2002) View citations
   See also Working Paper (2002)
9. The effects of banks on "debt-sensitive" small businesses
   Proceedings, 2006, 125-142

2005

10. Bank liquidity creation and bank capital
    Proceedings, 2005, (May), 223-228
11. Corporate governance and bank performance: A joint analysis of the static, selection, and dynamic effects of domestic, foreign, and state ownership
    Journal of Banking & Finance, 2005, 29, (8-9), 2179-2221 View citations
    See also Working Paper (2005)
12. Credit Scoring and the Availability, Price, and Risk of Small Business Credit
    Journal of Money, Credit and Banking, 2005, 37, (2), 191-222 View citations
    See also Working Paper (2002)
13. Debt Maturity, Risk, and Asymmetric Information
    Journal of Finance, 2005, 60, (6), 2895-2923 View citations
    See also Working Paper (2005)
14. Does function follow organizational form? Evidence from the lending practices of large and small banks
    Journal of Financial Economics, 2005, 76, (2), 237-269 View citations
    Also in Proceedings, 2002, (May), 383-400 (2002) View citations
    See also Working Paper (2002)
15. Erratum to "Explaining the dramatic changes in performance of US banks: Technological change, deregulation, and dynamic changes in competition" [J. Fin. Intermed. 12 (2003) 57-95]
    Journal of Financial Intermediation, 2005, 14, (2), 278-279

2004

16. Bank Concentration and Competition: An Evolution in the Making
    Journal of Money, Credit and Banking, 2004, 36, (3), 433-51 View citations
17. Entry into banking markets and the first-mover advantage
    Proceedings, 2004, (May), 243-254
18. Exporting financial institutions management via foreign direct investment mergers and acquisitions
    Journal of International Money and Finance, 2004, 23, (3), 333-366 View citations
19. Further Evidence on the Link between Finance and Growth: An International Analysis of Community Banking and Economic Performance
    Journal of Financial Services Research, 2004, 25, (2), 169-202 View citations
    See also Working Paper (2004)
20. Introduction: Bank concentration and competition: an evolution in the making
    Proceedings, 2004, 433-451 View citations
21. The Dynamics of Market Entry: The Effects of Mergers and Acquisitions on Entry in the Banking Industry
    Journal of Business, 2004, 77, (4), 797-834 View citations
22. The institutional memory hypothesis and the procyclicality of bank lending behavior
    Journal of Financial Intermediation, 2004, 13, (4), 458-495 View citations
    Also in Proceedings, 2003, (May), 151-169 (2003)
    See also Working Paper (2003)

2003

23. Explaining the dramatic changes in performance of US banks: technological change, deregulation, and dynamic changes in competition
    Journal of Financial Intermediation, 2003, 12, (1), 57-95 View citations
    See also Working Paper (2002)
24. Global integration in the banking industry
    Federal Reserve Bulletin, 2003, (Nov), 451-460 View citations
25. The Economic Effects of Technological Progress: Evidence from the Banking Industry
    Journal of Money, Credit and Banking, 2003, 35, (2), 141-76 View citations
    See also Working Paper (2002)
26. The efficiency effects of a single market for financial services in Europe
    European Journal of Operational Research, 2003, 150, (3), 466-481 View citations
27. To what extent will the banking industry be globalized? A study of bank nationality and reach in 20 European nations
    Journal of Banking & Finance, 2003, 27, (3), 383-415 View citations
    See also Working Paper (2002)

2002

28. Small Business Credit Availability and Relationship Lending: The Importance of Bank Organisational Structure
    Economic Journal, 2002, 112, (477), F32-F53 View citations
    See also Working Paper (2001)

2001

29. The Effects of Geographic Expansion on Bank Efficiency
    Journal of Financial Services Research, 2001, 19, (2), 163-184 View citations
    See also Working Paper (2001)
30. The ability of banks to lend to informationally opaque small businesses
    Journal of Banking & Finance, 2001, 25, (12), 2127-2167 View citations
    Also in Proceedings, 2001, (May), 241-261 (2001) View citations
    See also Working Paper (2001)
31. The effects of banking market size structure on bank competition: the case of small business lending
    Proceedings, 2001, (May), 277-293 View citations

2000

32. Comparing Market and Supervisory Assessments of Bank Performance: Who Knows What When?
    Journal of Money, Credit and Banking, 2000, 32, (3), 641-67 View citations
    Also in Proceedings, 2000, 641-670 (2000) View citations
    See also Working Paper (1998)
33. Conglomeration versus Strategic Focus: Evidence from the Insurance Industry
    Journal of Financial Intermediation, 2000, 9, (4), 323-362 View citations
    See also Working Paper (2000)
34. The "big picture" of bank diversification
    Proceedings, 2000, (May), 162-174 View citations
35. Why are bank profits so persistent? The roles of product market competition, informational opacity, and regional/macroeconomic shocks
    Journal of Banking & Finance, 2000, 24, (7), 1203-1235 View citations
    See also Working Paper (1999)

1999

36. Semiparametric Approaches to Stochastic Panel Frontiers with Applications in the Banking Industry
    Journal of Business & Economic Statistics, 1999, 17, (3), 349-58 View citations
37. The "big picture" about relationship-based finance
    Proceedings, 1999, (Mar), 390-400
38. The consolidation of the financial services industry: Causes, consequences, and implications for the future
    Journal of Banking & Finance, 1999, 23, (2-4), 135-194 View citations
    See also Working Paper (1998)
39. The dynamics of market entry: the effects of mergers and acquisitions on de novo entry in banking
    Proceedings, 1999, (May), 345-362 View citations

1998

40. Consistency Conditions for Regulatory Analysis of Financial Institutions: A Comparison of Frontier Efficiency Methods
    Journal of Economics and Business, 1998, 50, (2), 85-114 View citations
    See also Working Paper (1997)
41. The Efficiency Cost Of Market Power In The Banking Industry: A Test Of The "Quiet Life" And Related Hypotheses
    The Review of Economics and Statistics, 1998, 80, (3), 454-465 View citations
    See also Working Paper (1994)
42. The Information Content of Bank Examinations
    Journal of Financial Services Research, 1998, 14, (2), 117-144 View citations
    Also in Proceedings, 1994, (May), 615-628 (1994) View citations
    See also Working Paper (1994)
43. The economics of small business finance: The roles of private equity and debt markets in the financial growth cycle
    Journal of Banking & Finance, 1998, 22, (6-8), 613-673 View citations
    See also Working Paper (1998)
44. The effects of bank mergers and acquisitions on small business lending1
    Journal of Financial Economics, 1998, 50, (2), 187-229 View citations
    Also in Proceedings, 1997, (May), 241-255 (1997) View citations
    See also Working Paper (1998)
45. The extraordinary persistence of profits in the U.S. banking industry: a breakdown of the competitive paradigm?
    Proceedings, 1998, (May), 73-89

1997

46. Efficiency of financial institutions: International survey and directions for future research
    European Journal of Operational Research, 1997, 98, (2), 175-212 View citations
    See also Working Paper (1997)
47. Inside the black box: What explains differences in the efficiencies of financial institutions?
    Journal of Banking & Finance, 1997, 21, (7), 895-947 View citations
    See also Working Paper (1997)
48. New approaches for analyzing and evaluating the performance of financial institutions
    European Journal of Operational Research, 1997, 98, (2), 170-174 View citations
49. Problem loans and cost efficiency in commercial banks
    Journal of Banking & Finance, 1997, 21, (6), 849-870 View citations
    Also in Proceedings, 1996, (May), 219-236 (1996) View citations
    See also Working Paper (1997)
50. The Coexistence of Multiple Distribution Systems for Financial Services: The Case of Property-Liability Insurance
    Journal of Business, 1997, 70, (4), 515-46 View citations
    See also Working Paper (1995)
51. The efficiency of bank branches
    Journal of Monetary Economics, 1997, 40, (1), 141-162 View citations
    See also Working Paper (1994)

1996

52. A Framework for Analyzing Efficiency, Risks, Costs, and Innovations in the Payments System
    Journal of Money, Credit and Banking, 1996, 28, (4), 696-732 View citations
    Also in Proceedings, 1996, 696-732 (1996) View citations
53. Comment on Diffusion of Financial Innovations: The Case of Junk Bonds and Note Issuance Facilities
    Journal of Money, Credit and Banking, 1996, 28, (3), 523-26 View citations
54. Do consumers pay for one-stop banking? Evidence from an alternative revenue function
    Journal of Banking & Finance, 1996, 20, (9), 1601-1621 View citations
55. Payment systems research and public policy risk, efficiency, and innovation: a conference sponsored by the Board of Governors of the Federal Reserve System, December 7-8, 1995
    Proceedings, 1996

1995

56. Relationship Lending and Lines of Credit in Small Firm Finance
    Journal of Business, 1995, 68, (3), 351-81 View citations
57. The Profit-Structure Relationship in Banking--Tests of Market-Power and Efficient-Structure Hypotheses
    Journal of Money, Credit and Banking, 1995, 27, (2), 404-31 View citations
58. The Relationship between Capital and Earnings in Banking
    Journal of Money, Credit and Banking, 1995, 27, (2), 432-56 View citations
    See also Working Paper (1994)
59. The efficiency of bank branches and implications for mergers and interstate branching
    Proceedings, 1995, (May), 332-348
60. The role of capital in financial institutions
    Journal of Banking & Finance, 1995, 19, (3-4), 393-430 View citations
    See also Working Paper (1995)

1994

61. Did risk-based capital allocate bank credit and cause a "credit crunch" in the United States?
    Proceedings, 1994, 585-633 View citations
    Also in Journal of Money, Credit and Banking, 1994, 26, (3), 585-628 (1994) View citations
62. Lines of credit and relationship lending in small firm finance
    Proceedings, 1994, (May), 583-599 View citations
    See also Working Paper (1999)

1993

63. Bank efficiency derived from the profit function
    Journal of Banking & Finance, 1993, 17, (2-3), 317-347 View citations
64. The efficiency of financial institutions: A review and preview of research past, present and future
    Journal of Banking & Finance, 1993, 17, (2-3), 221-249 View citations
65. The importance of accurate bank accounting under FDICIA
    Proceedings, 1993, (May), 235-246 View citations

1992

66. Competition, efficiency, and the future of the banking industry
    Proceedings, 1992, 629-655
67. Some Evidence on the Empirical Significance of Credit Rationing
    Journal of Political Economy, 1992, 100, (5), 1047-77 View citations
    See also Working Paper (1990)
68. The Price-Concentration Relationship in Banking: A Reply
    The Review of Economics and Statistics, 1992, 74, (2), 376-79 View citations

1991

69. Loan commitments and bank risk exposure
    Journal of Banking & Finance, 1991, 15, (1), 173-192 View citations
    See also Working Paper (1990)
70. Market discipline in banking
    Proceedings, 1991, 419-437 View citations
71. Risk-based capital and deposit insurance reform
    Journal of Banking & Finance, 1991, 15, (4-5), 847-874 View citations
    See also Working Paper (1990)
72. The Rigidity of Prices: Evidence from the Banking Industry
    American Economic Review, 1991, 81, (4), 938-45 View citations
73. The dominance of inefficiencies over scale and product mix economies in banking
    Journal of Monetary Economics, 1991, 28, (1), 117-148 View citations
    See also Working Paper (1990)
74. The limitations of market value accounting and a more realistic alternative
    Journal of Banking & Finance, 1991, 15, (4-5), 753-783 View citations

1990

75. Collateral, loan quality and bank risk
    Journal of Monetary Economics, 1990, 25, (1), 21-42 View citations
    See also Working Paper (1988)

1989

76. Some red flags concerning market value accounting
    Proceedings, 1989, 515-546 View citations
    See also Working Paper (1989)
77. The Price-Concentration Relationship in Banking
    The Review of Economics and Statistics, 1989, 71, (2), 291-99 View citations
    See also Working Paper (1988)
78. Why Random Walk Models of the Term Structure Are Hard to Reject
    Journal of Business & Economic Statistics, 1989, 7, (2), 161-67
    See also Working Paper (1987)

1988

79. Market failure and resource use: economic incentives to use different payment instruments
    Proceedings, 1988, 45-92
    See also Working Paper (1988)
80. Risk-based capital and off-balance sheet activities
    Proceedings, 1988, 261-287 View citations
    See also Working Paper (1988)

1987

81. Competitive viability in banking: Scale, scope, and product mix economies
    Journal of Monetary Economics, 1987, 20, (3), 501-520 View citations
    See also Working Paper (1986)
82. Securitization with recourse: An instrument that offers uninsured bank depositors sequential claims
    Journal of Banking & Finance, 1987, 11, (3), 403-424 View citations
    See also Working Paper (1987)

1986

83. An empirical analysis if standby letters of credit
    Proceedings, 1986, 387-412
    See also Working Paper (1986)

1985

84. The Information Efficiency of Econometric Model Forecasts
    The Review of Economics and Statistics, 1985, 67, (1), 128-34 View citations
    See also Working Paper (1983)