Interstate Banking The Past, Present And Future
by David Holland, Don Inscoe, Ross Waldrop and William Kuta*

This study documents the changes in the geographic scope, structure and concentration of the U.S. banking and thrift industries that have occurred over the past decade. Prospects for the continuation of these trends are analyzed from a variety of perspectives. The authors also discuss the effect of increasing consolidation in banking on the Federal Deposit Insurance Corporation's supervisory activities.

*David Holland is in the FDIC's Office of Policy Development. Don Inscoe, Ross Waldrop and William Kuta are in the Division of Research and Statistics. Daniel Gautsch of the Division of Supervision provided valuable assistance during both the development and review of this study. The authors also express their appreciation to Kevin Brown, Timothy Critchfield, Christina Norberg and Dorothea Walsh for their assistance with background research and with developing some of the tables in the study. Geri Bonebrake and Ron Kidd provided invaluable assistance with the graphics and Cathy Wright was responsible for typing various drafts of the study.