An examination of whether deregulation of the financial services industry has led to a disproportionate number of office closings in poor and minority neighborhoods.

An examination of the relationship between bank profitability and concentration using recent data from a sample of institutions drawn from non-metropolitan statistical area counties in Ohio and Pennsylvania.

During the last several years, concern has increased that changes in the financial system have made it harder for rural banks to attract enough deposits to meet local credit demands. While urban banks may face some of the same problems, it is widely believed that funding pressures have increased...

This paper begins with a discussion of the influence of the number of firms and the variance of market shares on the Herfindahl-Hirschman Index (HHI) measure of market concentration. ; The paper then reports the changes in the number of depository institutions (DIs) and in the HHI in the Twelfth...

A main public policy concern regarding the massive consolidation of the banking industry between 1984 and 2003 is the consolidation's potential effect on competition in local banking markets. Examining this period for the Twelfth Federal Reserve District, I find, on the whole, moderate increases...