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Home > Industry Analysis > Research & Analysis > Working Paper Series > Bank Consolidation and Small Business Lending > Table A.1




Bank Consolidation and Small Business Lending: The Role of Community Banks


Table A.1: Aggregate Statistics for Subsets of Markets
 

Excluded rural markets

Included rural markets

Included urban markets

 Excluded urban markets

 

1994

1997

1994

1997

1994

1997

1994

1997

                 

Population (millions)

19.4 

20.0

34.1   

35.1

126.3

131.2

83.4  

86.3

Domestic deposits (billions of $2000)

2,050.9

2,162.4

3,972.6

4,003.0

16,089.0

16,276.9

14,170.9

14,696.8

Small business loans (billions of $2000)

283.9

328.5

576.2

622.9

1,802.1

1,930.7

1,107.6

1,226.7

Percentage of small business loans

               

   Held by community banks

73.6

72.6

58.1

57.2

34.9

33.5

36.3

31.2

   Acquired during subsequent three years

13.9

15.1

16.2

19.0

21.8

22.2

21.4

22.1

   Acquired by within-market acquirer

1.2

1.0

2.8

3.9

11.0

9.7

16.1

13.6

Mean Herfendalh index

4,656.7

4,574.4

2,262.4

2,239.4

1,627.7

1,626.4

1,364.8

1,476.7

                 

Number of markets

1,522

1,521

760

760

292

292

25

25

Note:  Statistics, except the mean Herfendahl index, are computed as aggregates for each group of markets.  All variables except population are measured as of June 30 of the year.  Small business lending includes C&I and commercial real estate loans that had an original denomination of less than $1 million as reported in the June 30 Call Reports and is allocated to markets using methods described in this data appendix.  Community banks are organizations having beginning-of-period assets of less than $1 billion (in 2000 dollars).  Acquisitions refer to the acquisitions of independent banks, savings institutions, and bank or thrift holding companies by previously unaffiliated organizations, as described in this data appendix.      


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