{"id":"https://openalex.org/W1501547431","doi":null,"title":"Factors influencing community bank performance in California","display_name":"Factors influencing community bank performance in California","publication_year":1996,"publication_date":"1996-01-01","ids":{"openalex":"https://openalex.org/W1501547431","mag":"1501547431"},"language":"en","primary_location":{"id":"pmh:oai:RePEc:fip:fedfer:y:1996:p:26-40:n:1","doi":null,"is_oa":false,"landing_page_url":"http://www.frbsf.org/econrsrch/econrev/96-1/26-42.pdf","pdf_url":"http://www.frbsf.org/econrsrch/econrev/96-1/26-42.pdf","source":{"id":"https://openalex.org/S4306401271","display_name":"RePEc: Research Papers in Economics","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I77793887","host_organization_name":"Federal Reserve Bank of St. Louis","host_organization_lineage":["https://openalex.org/I77793887"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"article"},"volume":null,"type":"article","indexed_in":[],"open_access":{"is_oa":false,"oa_status":"closed","oa_url":null,"any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5026178277","display_name":"Gary C. Zimmerman","orcid":null,"observed_orcids":[]},"institutions":[],"countries":[],"is_corresponding":true,"raw_author_name":"Gary C. Zimmerman","raw_affiliation_strings":[],"raw_orcid":null,"affiliations":[]}],"institutions":[],"countries_distinct_count":0,"institutions_distinct_count":0,"corresponding_author_ids":["https://openalex.org/A5026178277"],"corresponding_institution_ids":[],"apc_list":null,"apc_paid":null,"fwci":0.0,"has_fulltext":false,"cited_by_count":50,"citation_normalized_percentile":{"value":0.25956378,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":{"min":88,"max":98},"biblio":{"volume":null,"issue":null,"first_page":"26","last_page":"40"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10127","display_name":"Banking stability, regulation, efficiency","score":0.9940999746322632,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T10127","display_name":"Banking stability, regulation, efficiency","score":0.9940999746322632,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T14183","display_name":"Banking Sector Performance and Management","score":0.0038999998942017555,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T14419","display_name":"Banking Systems and Strategies","score":0.0003000000142492354,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/community-banks","display_name":"community banks","score":0.9940000176429749},{"id":"https://openalex.org/keywords/bank-performance","display_name":"bank performance","score":0.9789999723434448},{"id":"https://openalex.org/keywords/regional-economic-conditions","display_name":"regional economic conditions","score":0.6430000066757202},{"id":"https://openalex.org/keywords/real-estate-loans","display_name":"real estate lending","score":0.7749999761581421},{"id":"https://openalex.org/keywords/commercial-real-estate-lending","display_name":"commercial real estate lending","score":0.8410000205039978},{"id":"https://openalex.org/keywords/construction-loans","display_name":"construction loans","score":0.9850000143051147},{"id":"https://openalex.org/keywords/loan-risk","display_name":"loan risk","score":0.6230000257492065},{"id":"https://openalex.org/keywords/asset-quality","display_name":"asset quality","score":0.9559999704360962}],"concepts":[{"id":"https://openalex.org/C2779338949","wikidata":"https://www.wikidata.org/wiki/Q4808812","display_name":"Asset quality","level":4,"score":0.7239068150520325},{"id":"https://openalex.org/C82279013","wikidata":"https://www.wikidata.org/wiki/Q684740","display_name":"Real estate","level":2,"score":0.6645926237106323},{"id":"https://openalex.org/C2777764128","wikidata":"https://www.wikidata.org/wiki/Q189539","display_name":"Loan","level":2,"score":0.627903938293457},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.6245601177215576},{"id":"https://openalex.org/C2780821815","wikidata":"https://www.wikidata.org/wiki/Q5340806","display_name":"Portfolio","level":2,"score":0.5643953084945679},{"id":"https://openalex.org/C76178495","wikidata":"https://www.wikidata.org/wiki/Q4808784","display_name":"Asset (computer security)","level":2,"score":0.5241366028785706},{"id":"https://openalex.org/C2779530757","wikidata":"https://www.wikidata.org/wiki/Q1207505","display_name":"Quality (philosophy)","level":2,"score":0.49673992395401},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.43854451179504395},{"id":"https://openalex.org/C73283319","wikidata":"https://www.wikidata.org/wiki/Q1416617","display_name":"Financial system","level":1,"score":0.34004417061805725},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.24161642789840698},{"id":"https://openalex.org/C16969640","wikidata":"https://www.wikidata.org/wiki/Q1070805","display_name":"Capital adequacy ratio","level":3,"score":0.08517420291900635},{"id":"https://openalex.org/C38652104","wikidata":"https://www.wikidata.org/wiki/Q3510521","display_name":"Computer security","level":1,"score":0.0},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.0},{"id":"https://openalex.org/C181622380","wikidata":"https://www.wikidata.org/wiki/Q26911","display_name":"Profit (economics)","level":2,"score":0.0},{"id":"https://openalex.org/C175444787","wikidata":"https://www.wikidata.org/wiki/Q39072","display_name":"Microeconomics","level":1,"score":0.0},{"id":"https://openalex.org/C111472728","wikidata":"https://www.wikidata.org/wiki/Q9471","display_name":"Epistemology","level":1,"score":0.0},{"id":"https://openalex.org/C138885662","wikidata":"https://www.wikidata.org/wiki/Q5891","display_name":"Philosophy","level":0,"score":0.0}],"mesh":[],"locations_count":2,"locations":[{"id":"pmh:oai:RePEc:fip:fedfer:y:1996:p:26-40:n:1","doi":null,"is_oa":false,"landing_page_url":"http://www.frbsf.org/econrsrch/econrev/96-1/26-42.pdf","pdf_url":"http://www.frbsf.org/econrsrch/econrev/96-1/26-42.pdf","source":{"id":"https://openalex.org/S4306401271","display_name":"RePEc: Research Papers in Economics","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I77793887","host_organization_name":"Federal Reserve Bank of St. Louis","host_organization_lineage":["https://openalex.org/I77793887"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"article"},{"id":"mag:1501547431","doi":null,"is_oa":false,"landing_page_url":"https://econpapers.repec.org/RePEc:fip:fedfer:y:1996:p:26-40:n:1","pdf_url":null,"source":{"id":"https://openalex.org/S134988049","display_name":"Econometric Reviews","issn_l":"0747-4938","issn":["0747-4938","1532-4168"],"is_oa":false,"is_in_doaj":false,"is_core":true,"listed_in":["abdc-a","anvur-class-a","anvur-scientific","cwts-core","dongbi-c","erih-plus","jufo-2","norway-1","poland-100","russia-white-list-1","vabb-shw"],"host_organization":"https://openalex.org/P4310320547","host_organization_name":"Taylor & Francis","host_organization_lineage":["https://openalex.org/P4310320547","https://openalex.org/P4310320449"],"host_organization_lineage_names":["Taylor & Francis","Informa"],"type":"journal"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"Econometric Reviews","raw_type":null}],"best_oa_location":null,"sustainable_development_goals":[],"study_designs":[],"awards":[],"funders":[],"has_content":{"pdf":false,"grobid_xml":false},"content_urls":null,"referenced_works_count":8,"referenced_works":["https://openalex.org/W1504558294","https://openalex.org/W1521950138","https://openalex.org/W1522630825","https://openalex.org/W1561982782","https://openalex.org/W1578372432","https://openalex.org/W1586067651","https://openalex.org/W3124064958","https://openalex.org/W3125617961"],"related_works":["https://openalex.org/W2080258814","https://openalex.org/W1599124826","https://openalex.org/W4301008312","https://openalex.org/W7100401753","https://openalex.org/W621494526","https://openalex.org/W7099771873","https://openalex.org/W4306812383","https://openalex.org/W7050237397","https://openalex.org/W3115498128","https://openalex.org/W2562488849"],"abstract_inverted_index":{"Community":[0,87],"bank":[1,73],"performance":[2,31],"in":[3,13,41,46,71,114],"California":[4,66],"lagged":[5],"well":[6],"behind":[7],"the":[8,14,17,21,30,53,105,119],"industry":[9],"and":[10,43,95,101],"larger":[11],"banks":[12],"state":[15],"during":[16,52],"first":[18],"half":[19],"of":[20,32,50],"1990s.":[22],"This":[23],"paper":[24],"identifies":[25],"several":[26],"factors":[27],"that":[28,62],"influenced":[29],"these":[33],"banks,":[34],"which":[35],"have":[36],"less":[37],"than":[38],"$300":[39],"million":[40],"assets":[42],"typically":[44],"operate":[45],"only":[47],"one":[48],"region":[49],"California,":[51],"period":[54,120],"from":[55],"1990":[56],"to":[57,107],"1994.":[58],"The":[59],"results":[60],"suggest":[61],"regional":[63],"conditions":[64],"within":[65],"were":[67,83],"an":[68],"important":[69],"factor":[70],"community":[72],"performance.":[74],"Management":[75],"decisions,":[76],"especially":[77,96],"regarding":[78],"loan":[79],"portfolio":[80],"concentration,":[81],"also":[82],"a":[84,111],"contributing":[85],"factor.":[86],"banks'":[88],"increased":[89],"reliance":[90],"on":[91],"real":[92,99],"estate":[93,100],"loans,":[94],"higher-risk":[97],"commercial":[98],"construction":[102],"loans":[103],"over":[104,118],"1984":[106],"1994":[108],"period,":[109],"played":[110],"significant":[112],"role":[113],"lowering":[115],"asset":[116],"quality":[117],"studied.":[121]},"counts_by_year":[{"year":2025,"cited_by_count":1},{"year":2022,"cited_by_count":1},{"year":2021,"cited_by_count":1},{"year":2020,"cited_by_count":5},{"year":2019,"cited_by_count":4},{"year":2018,"cited_by_count":1},{"year":2017,"cited_by_count":4},{"year":2016,"cited_by_count":1},{"year":2015,"cited_by_count":2},{"year":2014,"cited_by_count":4},{"year":2013,"cited_by_count":4},{"year":2012,"cited_by_count":2}],"updated_date":"2026-10-12T09:40:04.860316","created_date":"2016-06-24T00:00:00"}