Changes in the Distribution of Banking Offices

Changes in the Distribution of Banking Offices

The past twenty years have been marked by major structural and regulatory changes in the banking industry. This article explores the relationships between these changes and the distribution of "brick and mortar" banking offices between 1975 and 1995. The analysis explores how popul...

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Bibliographic Details
Published in:Federal Reserve Bulletin Vol. 83; no. 9; pp. 707 - 725
Main Authors: Avery, Robert B, Bostic, Raphael W, Calem, Paul S, Canner, Glenn B
Format: Journal Article Newsletter Trade Publication Article
Language:English
Published: Washington Board of Governors of the Federal Reserve System 01-09-1997
Subjects:
Banking industry
Banks
Branch banking
Branch banks
Business growth
Charters
Charters (Law)
Commercial banks
Consolidation
Demographics
Federal regulation
Management
Nostalgia
Site selection
Statistical data
Trends
United States > US
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Description
Summary:The past twenty years have been marked by major structural and regulatory changes in the banking industry. This article explores the relationships between these changes and the distribution of "brick and mortar" banking offices between 1975 and 1995. The analysis explores how population shifts, deregulation, and mergers, acquisitions, and failures may have influenced changes in the number and location of banking offices. Special attention is given to changes in banking office distributions across neighborhoods grouped by the median income of their residents and their central city, suburban, or rural location.
ISSN:0014-9209
1944-8910
DOI:10.17016/bulletin.1997.83-9