Summary and Conclusion
In this study, minority-owned commercial banks with four years or more operating experience are divided into two comparison groups according to earnings performance. Those banks with a four-year consolidated return on investment of 10 percent or better constitute the highearning group, while the remaining banks with a four-year consolidated return on investment of less than 10 percent are combined into a residual group. The performance of the high-earning group is compared with that of the residual group through an analysis of key operating ratios.
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This article is reprinted from Economic Review, Vol. 62, No. 6, November/December, 1976, Federal Reserve Bank of Richmond.
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Summers, B.J., Tucker, J.F. Performance characteristics of high-earning minority banks. The Review of Black Political Economy 7, 344–363 (1977). https://doi.org/10.1007/BF02689445
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DOI: https://doi.org/10.1007/BF02689445