Banking across State Lines: Public and Private Consequences

By Peter S. Rose | Go to book overview

acter and possibilities of the information age, banking must become more efficient, more service responsive, and more focused on the central roles so that it can profitably perform in tomorrow's economy. Banking as most people know it need not die, but it must certainly change in order to survive, as must the people who manage and direct its talent and resources. Interstate expansion may help to insure the banking industry's long-run survival and arrest its recent loss of market share to nonbank financial firms provided that interstate companies, through their service policies and production efficiencies, are better able to deliver those services most in public demand at lowest cost. Whether such a favorable outcome will occur as interstate banking spreads across the United States and comes to dominate the assets and deposits held by all American banks is an open question very much in need of future research.


NOTES
1.
Of course, what these forecasters may have forgotten is the opportunities recent industry consolidation may have created for new banks. Between 1980 and 1995 about thirty-two hundred new banks were launched, roughly half the number absorbed by merger over the same period (as illustrated in table 1.3). Far from disappearing, community banks have been successful in focusing upon unique nichespersonalized service for families, small businesses, and professionals--and these special customer niches may be difficult and costly for larger, more distant banks to duplicate qualitatively.
2.
For example, one relatively small bank holding company in the author's home town sold out to a leading midwestern holding company simply because it couldn't keep abreast of growing check processing burdens and new industry and government standards for payments services.

-21-

Notes for this page

Add a new note
If you are trying to select text to create highlights or citations, remember that you must now click or tap on the first word, and then click or tap on the last word.
One moment ...
Default project is now your active project.
Project items

Items saved from this book

This book has been saved
Highlights (0)
Some of your highlights are legacy items.

Highlights saved before July 30, 2012 will not be displayed on their respective source pages.

You can easily re-create the highlights by opening the book page or article, selecting the text, and clicking “Highlight.”

Citations (0)
Some of your citations are legacy items.

Any citation created before July 30, 2012 will labeled as a “Cited page.” New citations will be saved as cited passages, pages or articles.

We also added the ability to view new citations from your projects or the book or article where you created them.

Notes (0)
Bookmarks (0)

You have no saved items from this book

Project items include:
  • Saved book/article
  • Highlights
  • Quotes/citations
  • Notes
  • Bookmarks
Notes
Cite this page

Cited page

Style
Citations are available only to our active members.
Sign up now to cite pages or passages in MLA, APA and Chicago citation styles.

(Einhorn, 1992, p. 25)

(Einhorn 25)

1

1. Lois J. Einhorn, Abraham Lincoln, the Orator: Penetrating the Lincoln Legend (Westport, CT: Greenwood Press, 1992), 25, http://www.questia.com/read/27419298.

Cited page

Bookmark this page
Banking across State Lines: Public and Private Consequences
Table of contents

Table of contents

Settings

Settings

Typeface
Text size Smaller Larger Reset View mode
Search within

Search within this book

Look up

Look up a word

  • Dictionary
  • Thesaurus
Please submit a word or phrase above.
Print this page

Print this page

Why can't I print more than one page at a time?

Full screen
/ 178

matching results for page

Cited passage

Style
Citations are available only to our active members.
Sign up now to cite pages or passages in MLA, APA and Chicago citation styles.

"Portraying himself as an honest, ordinary person helped Lincoln identify with his audiences." (Einhorn, 1992, p. 25).

"Portraying himself as an honest, ordinary person helped Lincoln identify with his audiences." (Einhorn 25)

"Portraying himself as an honest, ordinary person helped Lincoln identify with his audiences."1

1. Lois J. Einhorn, Abraham Lincoln, the Orator: Penetrating the Lincoln Legend (Westport, CT: Greenwood Press, 1992), 25, http://www.questia.com/read/27419298.

Cited passage

Thanks for trying Questia!

Please continue trying out our research tools, but please note, full functionality is available only to our active members.

Your work will be lost once you leave this Web page.

For full access in an ad-free environment, sign up now for a FREE, 1-day trial.

Already a member? Log in now.