Concentration of Banking : The Changing Structure and Control of Banking in the United States

Presents the history of branch banking under state banking laws during the early years of American banking and explains the almost complete disappearance of branch banking following the Civil War and inauguration of the nation banking system, the revival of branch banking principally within the limits of a few large cities following the panic of 1893, the branch banking development in California following the state's passage of the Bank Act of 1909, the movement growing from an effort to remedy the numerous bank failures of the 1920s, and the agitation that culminated in the curtailed authorization for branch banking by national banks in the Banking Act of 1933. FOREWORD PREFACE CONTENTS CHARTS I. INTRODUCTION II. THE UNIT BANKING SYSTEM III. LEGISLATIVE PROVISION FOR BANK MERGERS AND CONSOLIDATIONS IV. THE SCOPE AND EXTENT OF BANK MERGERS IN THE UNITED STATES V. PRINCIPAL CAUSES OF BANK MERGERS VI. EFFECTS OF BANK MERGERS AND CONSOLIDATIONS VII. EARLY BRANCH BANKING IN THE UNITED STATES VIII. THE DEVELOPMENT OF A NATIONAL BRANCH BANKING POLICY IX. BRANCH BANKING IN CALIFORNIA X. THE LEGAL STATUS OF BRANCH BANKING XI. THE EXTENT OF BRANCH BANKING IN THE UNITED STATES XII. THE CONCENTRATION OF BRANCH BANKING IN LEADING CITIES XIII. BRANCH BANKING AND MUTUAL SAVINGS BANKS XIV. BRANCHES AND THE CORRESPONDENT SYSTEM XV. BRANCH BANK MANAGEMENT XVI. RELATION OF BANK MERGERS TO BRANCH BANKING XVII. SOME ECONOMIC ASPECTS OF BRANCH BANKING XVIII. BRANCH BANKING AND THE FEDERAL RESERVE SYSTEM XIX. CHAIN BANKING XX. GROUP BANKING XXI. CONCLUSIONS BIBLIOGRAPHY INDEX