Allied Academies International Conference. Academy of Banking Studies. Proceedings

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The Determinates of Profitability of a Specific Community Bank

The purpose of this paper is to develop a methodology that any commercial bank may use to determine the factors influencing its net profit fluctuations and demonstrate use of that methodology in a specific community bank. This methodology is appropriate when dealing with time series data from an individual bank. The paper also presents an approach that bankers may take in determining the relationships that may exist between each of the independent variables and the entire set of such variable...

Pricing Policies and Economic Independence of Ecais: Evidence From Fitch, Moody's and S&P

The rating agencies recognized as External Credit Assessment Institutions usually charge fees of their rating assessments on the basis of the issuer paying model. This pricing policy, however, can expose agencies to a risk of collusion, which can undermine the investors' trust in the rating service. An analysis of the available literature highlights the lack of investigation into the economic equilibrium of the single rating agencies and of assessments relating to the weight of the revenues r...

A Comparative Analysis of National Recessions and the Effects On Real Estate Values in Northwest Nebraska: A Twenty Year Perspective

The real estate market for the past several years has been a roller coaster ride with home values going up at a rapid rate and down just as fast. Since 1937 there has been thirteen recessions including the current one. According to the National Bureau of Economic Research, the average length of the twelve prior recessions has averaged about 10.5 months with the longest being sixteen months. Historically real estate/housing has been used as a hedge against inflation and an investment for retir...