Understanding the Experience of Converted New England Savings Banks
نویسندگان
چکیده
B anking industry performance and failure rates since the mid-1980s have followed a pattern that is tied closely to regional economic conditions. The pattern begins with increases in bank loan concentrations in areas related to a region's growth, followed by deterioration in asset quality, earnings, and capital when regional recessions appear. Moreover, rapid growth in bank assets often accompanies the shifts in portfolio composition.
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