Panel Data, Liquidity Risk, and Increasing Loans- to-Core Deposits Ratio of Large Commercial Bank Holding Companies [1992-2000]

Wetmore, Jill L.
June 2004
American Business Review;Jun2004, Vol. 22 Issue 2, p99
Academic Journal
This study looks into the change in the level of loans-to-core-deposits of commercial banks in the U.S. It is noted that the average loan-to-core-deposit ratio has increased over the period studied. The said increase reflects a change in the asset/liability management practices of banks. A positive relationship occurs between market risk and the change in loan-to-core-deposits ratio after 1994 and a negative relationship occurs before 1994.


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