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JOURNAL OF APPLIED BUSINESS AND ECONOMICS
Arkansas Banks vs. Florida Banks and the Subprime Mortgage Crisis
Author(s): Alex Fayman
Citation: Alex Fayman, (2014) "Arkansas Banks vs. Florida Banks and the Subprime Mortgage Crisis," Journal of Applied Business and Economics, Vol. 16, Iss. 4, pp. 53-59
Article Type: Research paper
Publisher: North American Business Press
Abstract:
In the wake of the Great Recession, Arkansas banks found themselves across the negotiating table from
Florida banks in transactions backed by the FDIC. The goal of this research is to identify performance
characteristics that contributed to Arkansas banks having a stronger balance sheet prior to and during
the crisis. The study finds that Arkansas banks are more conservative in having smaller percentage of
their assets devoted to loans and a smaller percentage of their loans devoted to real estate. Arkansas
banks are also more conservative in assessing the credit risk of their loan portfolios.
