mortgage lending related sectors. This paper examines the determinants of US Savings and Loan (S&L) profitability in the time … on bank earnings, the effects of interest rates can vary depending on the profit indicator used. By and large, there is … evidence that the quality of loan portfolio rather than size (economies of scale) affects profitability negatively. Our results …

average profit margins have increased back to their pre-crisis levels. Banks hold an average capital/assets ratio of 11 ….4%, well in excess of the 10.0% regulatory minimum. Bank stock returns have lagged behind the S&P 500 since the market lows of … March 2009. Average bank market betas shifted to a significantly higher range post-crisis, but have gradually declined to a …

We examine the determinants of profitability for a large sample of US banks over the period 1984-2010. Specifically, we … level and persistence of bank profitability. The financial crisis of 2007-2010 appears to have resulted in an increase in … the persistence of bank profitability …

estimated profit efficiency. However, compared with cost inefficiency, revenue inefficiency affects more overall profitability …This paper presents new evidence regarding the relation between profit, revenue, and cost efficiencies of U ….S. commercial banks. Building on the widely used nonstandard profit function (NSPF) approach, we show (i) why estimation of NSPF …