EFFECTS OF BANKING STRUCTURE ON THE ALLOCATION OF CREDIT TO NONMETROPOLITAN COMMUNITIES

David L. Barkley, Cindy Mellon and Glenn T. Potts

Western Journal of Agricultural Economics, 1984, vol. 09, issue 2, 10

Abstract: Recent and proposed legislative changes encourage increases in multioffice banking activity. In this manuscript, the allocation of credit to nonmetropolitan communities in a branch banking state (Arizona) is compared to that in a unit banking-holding company state (Colorado). Rapidly growing nonmetropolitan areas have experienced increased lending activity under statewide branching relative to unit banking. Rural communities, which experienced slow or negative growth, had lower loan-to-deposit rations under branch banking than might have existed under unit banking. Therefore, conversion to branch banking may result in a reallocation of loanable funds within nonmetropolitan areas.

Keywords: Financial; Economics (search for similar items in EconPapers)
Date: 1984
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Citations: View citations in EconPapers (4)

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Persistent link: https://EconPapers.repec.org/RePEc:ags:wjagec:32142

DOI: 10.22004/ag.econ.32142

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