Do Community Banks Benefit from Diversification?

By Kevin J. Stiroh. 2004

262 citations recorded by the source corpus.

View Paper: https://www.semanticscholar.org/paper/bc831c7d558c80a285a585bc34ff24ebe2845170

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Citations in the corpus

Capital and liquidity ratios and financial distress. Evidence from the European banking industry (2017, methodology): “We include a proxy for bank diversification and following Stiroh (2004) we measure it by the ratio of non-interest income to net operating revenue (DIV).”
Who Disciplines Bank Managers? (2009, unknown): “28 29 34 APPENDIX I. MEASURING BANK SOUNDNESS USING THE Z-SCORE The Z-Score is a frequently used measure of bank soundness (e.g., Mercieca, Schaeck, and Wolfe, 2007; Stiroh, 2004a, 2004b; Demirgüç-Kunt, Detragiache, and Tressel, 2008).”
The diversification and financial performance of US credit unions. (2008, background): “…strategies, market conditions, technological change and risk-adjusted financial performance (Gallo et al., 1996; DeYoung and Rice, 2004a,b,c; Stiroh, 2004a,b; Calmes and Liu, 2005; Landskroner et al., 2005; Acharya et al., 2006; Stiroh, 2006; Stiroh and Rumble, 2006; Carbo-Valverde and…”
The effect of revenue diversification on bank profitability and risk during the COVID-19 pandemic (2021, background): “Stiroh (2004a, 2004b) finds that increased dependence on noninterest income is related to greater bank risk and lower risk-adjusted profits.”
Small European banks: Benefits from diversification? (2007, unknown): “between them, and Stiroh (2004b) emphasises increased volatility of bank earnings arising from shifting into non-interest activities such as trading.”
The Past, Present, and Probable Future for Community Banks (2004, background): “The high amount of noninterest income at large banks can also be a source of increased earnings volatility (DeYoung and Roland 2001, Stiroh 2003, 2004).”
Which Banks Are More Risky? The Impact of Business Models on Bank Stability (2015, methodology): “First, we include in our sample a large number of unlisted 1 Many studies focus on US banks (see, for example, DeYoung and Roland, 2001; DeYoung and Rice, 2004; Goddard et al., 2008 and several papers by Stiroh, 2004a,b; Stiroh and Rumble, 2006).”
Is Bank Income Diversification Beneficial? Evidence from an Emerging Economy (2013, unknown): “We highlight this as one of the main differences between banks in emerging economies and developed economies such as the U.S. (DeYoung and Rice, 2004).”