{"product_id":"bank-consolidation-and-small-business-penny-hill-press-inc-9781523389506","title":"Bank Consolidation and Small Business Lending: The Role of Community Banks","description":"This book examines how bank merger and acquisition activity affected small business lending in local U.S. banking markets between 1994 and 2000, focusing particularly on the role that community banks played in determining the ultimate effects of consolidation. During the 1994-1997 period, we find evidence that consolidation activity involving big banks was associated with lower loan growth, whereas community bank consolidations and a greater presence of community banks in the market were associated with higher loan growth. During the 1997-2000 period, consolidation activity was either unrelated to small business loan growth or associated with higher loan growth, suggesting that the dynamics of consolidation activity had changed. In both periods, we find evidence that consolidation presented an opportunity for community banks. Once adjustments are made for reclassifications in the size category of organizations due to consolidation or asset growth, we find that the share of small business lending funded by community banks rose during both study periods-particularly in markets undergoing consolidation.\u003cbr\u003e\u003cbr\u003e\u003cb\u003eAuthor:\u003c\/b\u003e Penny Hill Press Inc, Federal Reserve Board of Governors\u003cbr\u003e\u003cb\u003eISBN-10:\u003c\/b\u003e 1523389508\u003cbr\u003e\u003cb\u003eISBN-13:\u003c\/b\u003e 9781523389506\u003cbr\u003e\u003cb\u003ePublisher:\u003c\/b\u003e Createspace Independent Publishing Platform\u003cbr\u003e\u003cb\u003eLanguage:\u003c\/b\u003e English\u003cbr\u003e\u003cb\u003ePublished:\u003c\/b\u003e 01\/14\/2016\u003cbr\u003e\u003cb\u003ePages:\u003c\/b\u003e 48\u003cbr\u003e\u003cb\u003eFormat:\u003c\/b\u003e Paperback\u003cbr\u003e\u003cb\u003eWeight:\u003c\/b\u003e 0.30lbs\u003cbr\u003e\u003cb\u003eSize:\u003c\/b\u003e 11.02h x 8.50w x 0.10d","brand":"Penny Hill Press Inc","offers":[{"title":"Paperback","offer_id":44124508848383,"sku":"9781523389506","price":12.95,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0662\/2982\/9887\/files\/img_5d8e97fd-9902-485f-9deb-813145541dd0.jpg?v=1687437195","url":"https:\/\/www.whiterainbookhouse.com\/products\/bank-consolidation-and-small-business-penny-hill-press-inc-9781523389506","provider":"WR Book House","version":"1.0","type":"link"}