has exposed community banks to intensified competition on the one hand, but on the other hand has left well … and distribution of community banks may change in the future"--Federal Reserve Bank of Chicago web site … simple theoretical framework for analyzing how these changes have affected the competitive viability of community banks …

extended by an inside bank when there exist asymmetries between the inside bank and outside banks, such as the information …This paper is an empirical examination of the existence of the inside bank premium arising from relationship banking … advantage of the inside bank or the implicit insurance and other borrower-specific services exclusively provided by the inside …