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Details about Allen N. Berger

E-mail:
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

2019

  1. Bank Size and Household Financial Sentiment: Surprising Evidence from the University of Michigan Surveys of Consumers
    Working Papers, Federal Reserve Bank of Philadelphia Downloads

2017

  1. How Do Lead Banks Use Their Private Information about Loan Quality in the Syndicated Loan Market?
    Working Papers (Old Series), Federal Reserve Bank of Cleveland Downloads View citations (2)
    Also in Working Papers, Federal Reserve Bank of Cleveland (2017) Downloads

2007

  1. Why do borrowers pledge collateral? new empirical evidence on the role of asymmetric information
    FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta Downloads View citations (6)

2006

  1. Bank ownership type and banking relationships
    Policy Research Working Paper Series, The World Bank Downloads View citations (19)

2005

  1. A more complete conceptual framework for financing of small and medium enterprises
    Policy Research Working Paper Series, The World Bank Downloads View citations (12)
  2. 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 Downloads View citations (183)
    See also Journal Article in Journal of Banking & Finance (2005)
  3. Debt Maturity, Risk, and Asymmetric Information
    IMF Working Papers, International Monetary Fund Downloads View citations (76)
    Also in FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta (2004) Downloads View citations (1)
    Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (US) (2004) Downloads View citations (4)

    See also Journal Article in Journal of Finance (2005)
  4. 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 Downloads View citations (3)
    See also Journal Article in Journal of Banking & Finance (2007)
  5. Small business credit scoring and credit availability
    FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta Downloads View citations (17)
  6. The Effects of Competition from Large, Multimarket Firms on the Performance of Small, Single-Market Firms: Evidence from the Banking Industry
    Working Papers, New York University, Leonard N. Stern School of Business, Department of Economics Downloads
    Also in Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (US) (2005) Downloads View citations (1)

2004

  1. Further evidence on the link between finance and growth: An international analysis of community banking and economic performance
    Finance, University Library of Munich, Germany Downloads View citations (105)
    Also in Policy Research Working Paper Series, The World Bank (2003) Downloads View citations (3)
    Finance, University Library of Munich, Germany (2004) Downloads View citations (107)
    Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (US) (2003) Downloads View citations (3)

    See also Journal Article in Journal of Financial Services Research (2004)
  2. 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 (US) Downloads View citations (11)
    See also Journal Article in Journal of Financial Services Research (2006)

2003

  1. The institutional memory hypothesis and the procyclicality of bank lending behavior
    Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (US) Downloads View citations (29)
    Also in BIS Working Papers, Bank for International Settlements (2003) Downloads View citations (28)

    See also Journal Article in Journal of Financial Intermediation (2004)

2002

  1. 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 (US) Downloads View citations (7)
    See also Journal Article in Journal of Banking & Finance (2006)
  2. Credit scoring and the availability, price, and risk of small business credit
    Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (US) Downloads View citations (8)
    Also in FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta (2002) Downloads View citations (18)

    See also Journal Article in Journal of Money, Credit and Banking (2005)
  3. Does Function Follow Organizational Form? Evidence From the Lending Practices of Large and Small Banks
    NBER Working Papers, National Bureau of Economic Research, Inc Downloads View citations (45)
    Also in Harvard Institute of Economic Research Working Papers, Harvard - Institute of Economic Research (2002) Downloads View citations (4)

    See also Journal Article in Journal of Financial Economics (2005)
  4. 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 Downloads View citations (3)
    Also in Center for Financial Institutions Working Papers, Wharton School Center for Financial Institutions, University of Pennsylvania (2001) Downloads View citations (18)

    See also Journal Article in Journal of Financial Intermediation (2003)
  5. Technological progress and the geographic expansion of the banking industry
    Working Paper Series, Federal Reserve Bank of Chicago Downloads View citations (13)
    Also in Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (US) (2002) Downloads View citations (13)

    See also Journal Article in Journal of Money, Credit and Banking (2006)
  6. The economic effects of technological progress: evidence from the banking industry
    Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (US) Downloads View citations (2)
    See also Journal Article in Journal of Money, Credit and Banking (2003)
  7. 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.) Downloads View citations (19)
    Also in Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (US) (2002) Downloads View citations (2)

    See also Journal Article in Journal of Banking & Finance (2003)

2001

  1. 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 (US) Downloads View citations (27)
    See also Journal Article in Economic Journal (2002)
  2. 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 (29)
    Also in Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (US) (2001) Downloads View citations (47)
    Working Papers, New York University, Leonard N. Stern School of Business, Department of Economics (2001) Downloads View citations (22)
  3. The ability of banks to lend to informationally opaque small businesses
    Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (US) Downloads View citations (297)
    Also in Policy Research Working Paper Series, The World Bank (2001) Downloads View citations (304)

    See also Journal Article in Journal of Banking & Finance (2001)
  4. The effect of market size structure on competition: the case of small business lending
    Working Paper Series, Federal Reserve Bank of Chicago Downloads View citations (13)
    Also in Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (US) (2001) Downloads View citations (12)
  5. The effects of geographic expansion on bank efficiency
    Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (US) Downloads View citations (118)
    Also in Working Paper Series, Federal Reserve Bank of Chicago (2000) Downloads View citations (6)

    See also Journal Article in Journal of Financial Services Research (2001)

2000

  1. Conglomeration Versus Strategic Focus: Evidence from the Insurance Industry
    Center for Financial Institutions Working Papers, Wharton School Center for Financial Institutions, University of Pennsylvania Downloads View citations (66)
    Also in Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (US) (1999) Downloads View citations (2)

    See also Journal Article in Journal of Financial Intermediation (2000)
  2. 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 Downloads View citations (12)
    Also in Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (US) (2000) Downloads View citations (1)

    See also Chapter (2001)
  3. Efficiency barriers to the consolidation of the European financial services industry
    Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (US) Downloads View citations (17)
  4. Globalization of financial institutions: evidence from cross-border banking performance
    Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (US) Downloads View citations (253)
    Also in Working Paper Series, Federal Reserve Bank of Chicago (1999) Downloads View citations (10)
  5. 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 Downloads View citations (8)
    Also in Working Papers, New York University, Leonard N. Stern School of Business, Department of Economics (1999) Downloads
    Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (US) (1999) Downloads View citations (2)
  6. The integration of the financial services industry: where are the efficiencies?
    Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (US) Downloads View citations (27)

1999

  1. Lines of Credit and Relationship Lending in Small Firm Finance
    Macroeconomics, University Library of Munich, Germany Downloads View citations (2)
    Also in Center for Financial Institutions Working Papers, Wharton School Center for Financial Institutions, University of Pennsylvania (1994) Downloads View citations (8)
  2. 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 Downloads View citations (21)
    Also in Working Papers, Federal Reserve Bank of Philadelphia (1999) Downloads View citations (28)
    Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (US) (1999) Downloads View citations (20)
  3. 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 (US) Downloads View citations (4)
    See also Journal Article in Journal of Banking & Finance (2000)

1998

  1. 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 (US) Downloads View citations (18)
    See also Journal Article in Journal of Money, Credit and Banking (2000)
  2. 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 (260)
    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 (20)
    Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (US) (1997) Downloads View citations (11)

    See also Journal Article in Journal of Financial Economics (1998)
  3. 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 (US) Downloads View citations (6)
    Also in Staff Reports, Federal Reserve Bank of New York (1998) Downloads View citations (5)

    See also Journal Article in Journal of Banking & Finance (1999)
  4. 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 (US) Downloads View citations (703)
    See also Journal Article in Journal of Banking & Finance (1998)

1997

  1. 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 (US) Downloads View citations (24)
    See also Journal Article in Journal of Economics and Business (1998)
  2. 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 Downloads View citations (1)
  3. 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 Downloads View citations (1006)
    Also in Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (US) (1997) Downloads View citations (951)

    See also Journal Article in European Journal of Operational Research (1997)
  4. 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 Downloads View citations (786)
    Also in Working Papers, Federal Reserve Bank of Philadelphia (1997) Downloads View citations (744)
    Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (US) (1997) Downloads View citations (734)

    See also Journal Article in Journal of Banking & Finance (1997)
  5. Problem loans and cost efficiency in commercial banks
    Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (US) Downloads View citations (458)
    Also in Center for Financial Institutions Working Papers, Wharton School Center for Financial Institutions, University of Pennsylvania (1995) View citations (12)

    See also Journal Article in Journal of Banking & Finance (1997)
  6. 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 (US) Downloads View citations (172)
    Also in Center for Financial Institutions Working Papers, Wharton School Center for Financial Institutions, University of Pennsylvania (1996) View citations (83)

1995

  1. 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 Downloads View citations (3)
    Also in Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (US) (1995) View citations (12)

    See also Journal Article in The Journal of Business (1997)
  2. The Role of Capital in Financial Institutions
    Center for Financial Institutions Working Papers, Wharton School Center for Financial Institutions, University of Pennsylvania Downloads View citations (284)
    Also in Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (US) (1995) View citations (273)

    See also Journal Article in Journal of Banking & Finance (1995)
  3. 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 (200)
  4. 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 (5)
    Also in Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (US) (1995) View citations (32)

1994

  1. 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 Downloads View citations (11)
    Also in Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (US) (1994) View citations (10)
  2. 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 View citations (84)
    Also in Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (US) (1993) View citations (12)
  3. 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 (55)
    Also in Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (US) (1994) View citations (2)

    See also Journal Article in The Review of Economics and Statistics (1998)
  4. The Efficiency of Bank Branches
    Center for Financial Institutions Working Papers, Wharton School Center for Financial Institutions, University of Pennsylvania View citations (10)
    Also in Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (US) (1994) View citations (10)

    See also Journal Article in Journal of Monetary Economics (1997)
  5. The Information Content of Bank Examinations
    Center for Financial Institutions Working Papers, Wharton School Center for Financial Institutions, University of Pennsylvania View citations (13)
    Also in Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (US) (1994) View citations (13)

    See also Journal Article in Journal of Financial Services Research (1998)
  6. 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 (2)
    Also in Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (US) (1994) View citations (2)

    See also Journal Article in Journal of Money, Credit and Banking (1995)

1993

  1. Do Consumers Pay for One-Stop Banking?
    Center for Financial Institutions Working Papers, Wharton School Center for Financial Institutions, University of Pennsylvania Downloads
  2. 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 (US) View citations (1)
  3. Lines of credit, collateral, and relationship lending in small firm finance
    Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (US) View citations (4)
  4. 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 (US) View citations (17)

1992

  1. '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 (US)
  2. Bank efficiency derived from a profit function
    Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (US)
    See also Journal Article in Journal of Banking & Finance (1993)
  3. 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 (US) View citations (147)

1991

  1. Inefficiency and productivity growth in banking: a comparison of stochastic econometric and thick frontier methods
    Working Papers (Old Series), Federal Reserve Bank of Cleveland Downloads View citations (1)
  2. Securitization, risk, and the liquidity problem in banking
    Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (US) View citations (12)
  3. The profit-concentration relationship in banking
    Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (US) View citations (2)

1990

  1. Loan commitments and bank risk exposure
    Working Papers (Old Series), Federal Reserve Bank of Cleveland Downloads View citations (1)
    Also in Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (US) (1989) View citations (1)
    Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (US) (1988)

    See also Journal Article in Journal of Banking & Finance (1991)
  2. Measurement and efficiency issues in commercial banking
    Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (US) View citations (5)
    See also Chapter (1992)
  3. Risk-based capital and deposit insurance reform
    Working Papers (Old Series), Federal Reserve Bank of Cleveland Downloads
    See also Journal Article in Journal of Banking & Finance (1991)
  4. Some evidence on the empirical significance of credit rationing
    Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (US) View citations (6)
    See also Journal Article in Journal of Political Economy (1992)
  5. 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 (US) View citations (4)
    See also Journal Article in Journal of Monetary Economics (1991)

1989

  1. 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 (US) View citations (2)
  2. Some red flags concerning market value accounting
    Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (US) View citations (2)

1988

  1. Collateral, loan quality, and bank risk
    Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (US)
    See also Journal Article in Journal of Monetary Economics (1990)
  2. 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 (US)
    See also Journal Article in Proceedings (1988)
  3. Risk-based capital and off-balance sheet activities
    Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (US) View citations (5)
  4. The price-concentration relationship in banking
    Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (US)
    See also Journal Article in The Review of Economics and Statistics (1989)

1987

  1. 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 (US)
    See also Journal Article in Journal of Business & Economic Statistics (1989)

1986

  1. 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 (3)
  2. 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 (37)
    See also Journal Article in Journal of Monetary Economics (1987)
  3. Interstate banking: impacts on the payments system
    Research Papers in Banking and Financial Economics, Board of Governors of the Federal Reserve System (U.S.)
  4. 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

  1. 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

  1. 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 (7)
  2. 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.)
  3. The informational efficiency of econometric model forecasts
    Research Papers in Banking and Financial Economics, Board of Governors of the Federal Reserve System (U.S.) View citations (5)
    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 Downloads View citations (17)
  2. Does market size structure affect competition? The case of small business lending
    Journal of Banking & Finance, 2007, 31, (1), 11-33 Downloads View citations (84)
    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 Downloads View citations (18)
  4. Obstacles to a global banking system: "Old Europe" versus "New Europe"
    Journal of Banking & Finance, 2007, 31, (7), 1955-1973 Downloads View citations (20)

2006

  1. A more complete conceptual framework for SME finance
    Journal of Banking & Finance, 2006, 30, (11), 2945-2966 Downloads View citations (351)
  2. 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 Downloads View citations (152)
    See also Working Paper (2002)
  3. 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 Downloads View citations (18)
    See also Working Paper (2004)
  4. Technological Progress and the Geographic Expansion of the Banking Industry
    Journal of Money, Credit and Banking, 2006, 38, (6), 1483-1513 Downloads View citations (43)
    See also Working Paper (2002)

2005

  1. 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 Downloads View citations (141)
    See also Working Paper (2005)
  2. 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 (102)
    See also Working Paper (2002)
  3. Debt Maturity, Risk, and Asymmetric Information
    Journal of Finance, 2005, 60, (6), 2895-2923 Downloads View citations (86)
    See also Working Paper (2005)
  4. Does function follow organizational form? Evidence from the lending practices of large and small banks
    Journal of Financial Economics, 2005, 76, (2), 237-269 Downloads View citations (580)
    See also Working Paper (2002)
  5. 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 Downloads

2004

  1. Bank Concentration and Competition: An Evolution in the Making
    Journal of Money, Credit and Banking, 2004, 36, (3), 433-51 View citations (153)
  2. Exporting financial institutions management via foreign direct investment mergers and acquisitions
    Journal of International Money and Finance, 2004, 23, (3), 333-366 Downloads View citations (52)
  3. 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 Downloads View citations (108)
    See also Working Paper (2004)
  4. Introduction: Bank concentration and competition: an evolution in the making
    Proceedings, 2004, 433-451 View citations (125)
  5. The Dynamics of Market Entry: The Effects of Mergers and Acquisitions on Entry in the Banking Industry
    The Journal of Business, 2004, 77, (4), 797-834 Downloads View citations (54)
  6. The institutional memory hypothesis and the procyclicality of bank lending behavior
    Journal of Financial Intermediation, 2004, 13, (4), 458-495 Downloads View citations (158)
    See also Working Paper (2003)

2003

  1. 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 Downloads View citations (182)
    See also Working Paper (2002)
  2. Global integration in the banking industry
    Federal Reserve Bulletin, 2003, (Nov), 451-460 Downloads View citations (11)
  3. The Economic Effects of Technological Progress: Evidence from the Banking Industry
    Journal of Money, Credit and Banking, 2003, 35, (2), 141-76 View citations (113)
    See also Working Paper (2002)
  4. The efficiency effects of a single market for financial services in Europe
    European Journal of Operational Research, 2003, 150, (3), 466-481 Downloads View citations (21)
  5. 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 Downloads View citations (43)
    See also Working Paper (2002)

2002

  1. Small Business Credit Availability and Relationship Lending: The Importance of Bank Organisational Structure
    Economic Journal, 2002, 112, (477), F32-F53 Downloads View citations (381)
    See also Working Paper (2001)

2001

  1. The Effects of Geographic Expansion on Bank Efficiency
    Journal of Financial Services Research, 2001, 19, (2), 163-184 Downloads View citations (118)
    See also Working Paper (2001)
  2. The ability of banks to lend to informationally opaque small businesses
    Journal of Banking & Finance, 2001, 25, (12), 2127-2167 Downloads View citations (279)
    See also Working Paper (2001)

2000

  1. 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 (116)
    Also in Proceedings, 2000, 641-670 (2000) View citations (128)

    See also Working Paper (1998)
  2. Conglomeration versus Strategic Focus: Evidence from the Insurance Industry
    Journal of Financial Intermediation, 2000, 9, (4), 323-362 Downloads View citations (54)
    See also Working Paper (2000)
  3. 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 Downloads View citations (81)
    See also Working Paper (1999)

1999

  1. Semiparametric Approaches to Stochastic Panel Frontiers with Applications in the Banking Industry
    Journal of Business & Economic Statistics, 1999, 17, (3), 349-58 View citations (36)
  2. The consolidation of the financial services industry: Causes, consequences, and implications for the future
    Journal of Banking & Finance, 1999, 23, (2-4), 135-194 Downloads View citations (373)
    See also Working Paper (1998)

1998

  1. Consistency Conditions for Regulatory Analysis of Financial Institutions: A Comparison of Frontier Efficiency Methods
    Journal of Economics and Business, 1998, 50, (2), 85-114 Downloads View citations (222)
    See also Working Paper (1997)
  2. 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 Downloads View citations (148)
    See also Working Paper (1994)
  3. The Information Content of Bank Examinations
    Journal of Financial Services Research, 1998, 14, (2), 117-144 Downloads View citations (33)
    See also Working Paper (1994)
  4. 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 Downloads View citations (678)
    See also Working Paper (1998)
  5. The effects of bank mergers and acquisitions on small business lending
    Journal of Financial Economics, 1998, 50, (2), 187-229 Downloads View citations (228)
    See also Working Paper (1998)

1997

  1. Efficiency of financial institutions: International survey and directions for future research
    European Journal of Operational Research, 1997, 98, (2), 175-212 Downloads View citations (929)
    See also Working Paper (1997)
  2. Inside the black box: What explains differences in the efficiencies of financial institutions?
    Journal of Banking & Finance, 1997, 21, (7), 895-947 Downloads View citations (713)
    See also Working Paper (1997)
  3. New approaches for analyzing and evaluating the performance of financial institutions
    European Journal of Operational Research, 1997, 98, (2), 170-174 Downloads View citations (6)
  4. Problem loans and cost efficiency in commercial banks
    Journal of Banking & Finance, 1997, 21, (6), 849-870 Downloads View citations (464)
    See also Working Paper (1997)
  5. The Coexistence of Multiple Distribution Systems for Financial Services: The Case of Property-Liability Insurance
    The Journal of Business, 1997, 70, (4), 515-46 Downloads View citations (55)
    See also Working Paper (1995)
  6. The efficiency of bank branches
    Journal of Monetary Economics, 1997, 40, (1), 141-162 Downloads View citations (144)
    See also Working Paper (1994)

1996

  1. A Framework for Analyzing Efficiency, Risks, Costs, and Innovations in the Payments System
    Journal of Money, Credit and Banking, 1996, 28, (4), 696-732 Downloads View citations (29)
    Also in Proceedings, 1996, 696-732 (1996) View citations (30)
  2. 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 Downloads View citations (2)
  3. Do consumers pay for one-stop banking? Evidence from an alternative revenue function
    Journal of Banking & Finance, 1996, 20, (9), 1601-1621 Downloads View citations (50)
  4. 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

  1. Relationship Lending and Lines of Credit in Small Firm Finance
    The Journal of Business, 1995, 68, (3), 351-81 Downloads View citations (960)
  2. 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 Downloads View citations (191)
  3. The Relationship between Capital and Earnings in Banking
    Journal of Money, Credit and Banking, 1995, 27, (2), 432-56 Downloads View citations (265)
    See also Working Paper (1994)
  4. The role of capital in financial institutions
    Journal of Banking & Finance, 1995, 19, (3-4), 393-430 Downloads View citations (273)
    See also Working Paper (1995)

1994

  1. Did risk-based capital allocate bank credit and cause a "credit crunch" in the United States?
    Proceedings, 1994, 585-633 View citations (157)
    Also in Journal of Money, Credit and Banking, 1994, 26, (3), 585-628 (1994) Downloads View citations (72)

1993

  1. Bank efficiency derived from the profit function
    Journal of Banking & Finance, 1993, 17, (2-3), 317-347 Downloads View citations (211)
    See also Working Paper (1992)
  2. 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 Downloads View citations (229)

1992

  1. Some Evidence on the Empirical Significance of Credit Rationing
    Journal of Political Economy, 1992, 100, (5), 1047-77 Downloads View citations (202)
    See also Working Paper (1990)
  2. The Price-Concentration Relationship in Banking: A Reply
    The Review of Economics and Statistics, 1992, 74, (2), 376-79 Downloads View citations (11)

1991

  1. Loan commitments and bank risk exposure
    Journal of Banking & Finance, 1991, 15, (1), 173-192 Downloads View citations (61)
    See also Working Paper (1990)
  2. Risk-based capital and deposit insurance reform
    Journal of Banking & Finance, 1991, 15, (4-5), 847-874 Downloads View citations (78)
    See also Working Paper (1990)
  3. The Rigidity of Prices: Evidence from the Banking Industry
    American Economic Review, 1991, 81, (4), 938-45 Downloads View citations (334)
  4. The dominance of inefficiencies over scale and product mix economies in banking
    Journal of Monetary Economics, 1991, 28, (1), 117-148 Downloads View citations (261)
    See also Working Paper (1990)
  5. The limitations of market value accounting and a more realistic alternative
    Journal of Banking & Finance, 1991, 15, (4-5), 753-783 Downloads View citations (38)

1990

  1. Collateral, loan quality and bank risk
    Journal of Monetary Economics, 1990, 25, (1), 21-42 Downloads View citations (334)
    See also Working Paper (1988)

1989

  1. The Price-Concentration Relationship in Banking
    The Review of Economics and Statistics, 1989, 71, (2), 291-99 Downloads View citations (231)
    See also Working Paper (1988)
  2. 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

  1. Market failure and resource use: economic incentives to use different payment instruments
    Proceedings, 1988, 45-92
    See also Working Paper (1988)

1987

  1. Competitive viability in banking: Scale, scope, and product mix economies
    Journal of Monetary Economics, 1987, 20, (3), 501-520 Downloads View citations (216)
    See also Working Paper (1986)
  2. Securitization with recourse: An instrument that offers uninsured bank depositors sequential claims
    Journal of Banking & Finance, 1987, 11, (3), 403-424 Downloads View citations (28)

1985

  1. The Information Efficiency of Econometric Model Forecasts
    The Review of Economics and Statistics, 1985, 67, (1), 128-34 Downloads View citations (7)
    See also Working Paper (1983)

Chapters

2001

  1. 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?
    A chapter in Prudential Supervision: What Works and What Doesn't, 2001, pp 301-356 Downloads View citations (13)
    See also Working Paper (2000)

1992

  1. Measurement and Efficiency Issues in Commercial Banking
    A chapter in Output Measurement in the Service Sectors, 1992, pp 245-300 Downloads View citations (201)
    See also Working Paper (1990)
 
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