over the period 2000-2009. The results of our empirical investigation show that risk varies across bank types. Specifically … Cooperative banks) with a regional focus The relationship between competition and risk also varies across bank types based on …

bank liabilities to reduce the probability of bank runs. These aspects of banking affect a bank's choice of risk versus … expected return, which, in turn, affects bank performance. Banks have an incentive to reduce risk to protect their valuable …-of-funds subsidy of mispriced deposit insurance. These are contrasting incentives tied to bank size. Measuring bank performance and its …

are regulated, including the need to obtain a charter to operate and explicit and implicit federal guarantees of bank … liabilities to reduce the probability of bank runs. These aspects of banking affect a bankś choice of risk vs. expected return …, which, in turn, affects bank performance. Banks have an incentive to reduce risk to protect the valuable charter from …