An Analysis of Differences in Earnings Between Small and Large Commercial Banks |
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| Authors: | Swamy P.A.V.B. Tavlas George S. Lutton Thomas J. |
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| Affiliation: | (1) Statistical Methods Division, Office of Employment and Unemployment Statistics, Bureau of Labor Statistics, Washington;(2) Bank of Greece, Room 569, 21, E. Venizelos Avenue, Athens, 102 50, Greece;(3) Office of Federal Housing Enterprise Oversight, Washington |
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| Abstract: | This paper introduces a simple, yet rich, measure of efficiency changes based on the revenue-generating-ability (RGA) principle. Using this principle, we explain the connections between efficiency changes and the variables, such as pretax profits, interest expense, non-interest expense, profit margins, loan loss provision, and asset quality. These connections are used to explain earnings differences between small and large commercial banks. |
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