Determinants of the Rate of Return on Commercial Bank Assets in the United States, 1959-1998

Richard Cebula ()

MPRA Paper from University Library of Munich, Germany

Abstract: This exploratory note empirically investigates determinants of the annual percentage rate of return on commercial bank assets over the period 1959-1998. The findings indicate that this rate of return has been an increasing function of the average annual interest rate yield on three-year U.S. Treasury notes and the Federal Deposit Insurance Corporation Improvement Act of 1991 and a decreasing function of inflation, the percentage unemployment rate, and the increased competition that began in the 1980’s.

Keywords: rate of return; commercial bank performance; Treasury note yield; competition; unemployment rate (search for similar items in EconPapers)
JEL-codes: E24 E41 E43 G21 (search for similar items in EconPapers)
Date: 2000-08-15
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Published in The Journal of American Academy of Business 1.12(2001): pp. 157-159

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Persistent link: https://EconPapers.repec.org/RePEc:pra:mprapa:60006

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