The Regional Distribution of Bank Closings in the United States: An Extension of the Amos Analysis

Richard Cebula ()

MPRA Paper from University Library of Munich, Germany

Abstract: This study investigates factors that influenced interstate differentials in bank closing rates in the U.S. over the 1982-1992 time period. The estimation reveals that the bank failure rate is a decreasing function of the average mortgage portfolio yield, the capital requirement, the real price of imported crude oil, and the percentage growth rate of gross state product and an increasing function of the cost of deposits, the real ceiling level of federal deposit insurance, and the volatility of gross state product.

Keywords: bank failure rate; cost of deposits; mortgage yield; economic growth; economic volatility (search for similar items in EconPapers)
JEL-codes: G21 G22 G28 (search for similar items in EconPapers)
Date: 1993-02-19
References: View complete reference list from CitEc
Citations: View citations in EconPapers (12)

Published in Southern Economic Journal 1.61(1994): pp. 202-208

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Persistent link: https://EconPapers.repec.org/RePEc:pra:mprapa:51488

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