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Lending by Rural Banks Involved in Mergers

Published online by Cambridge University Press:  28 April 2015

Nicholas A. Walraven
Nicholas A. Walraven*
Affiliation:
Federal Reserve Board/Federal Reserve System
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Abstract

This paper employed a variety of sources of data and a number of methods to describe rural lending markets. Over the sample period, 1992 through 1998, there was a pronounced trend towards affiliation of banks, both urban and rural, with holding companies, although over this period there was little change in the concentration of banking offices in rural areas. Using data from the 1993 National Survey of Small Business Finances, the study found some evidence that rural small businesses were less likely to apply for a loan than urban small firms although those rural firms that did apply were more likely to have their application accepted.

Keywords

mergerrural banks
Type
Invited Paper Sessions
Information
Journal of Agricultural and Applied Economics , Volume 31 , Issue 2 , August 1999 , pp. 201 - 214
Copyright
Copyright © Southern Agricultural Economics Association 1999

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