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Social and Behavioral Sciences Commons™
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Full-Text Articles in Social and Behavioral Sciences
Are West Virginia Banks Unique?, Eduardo Minuci, Scott Schuh
Are West Virginia Banks Unique?, Eduardo Minuci, Scott Schuh
Economics Faculty Working Papers Series
Many factors contribute to weak economic growth in Appalachia, but little research has examined the role of banking heterogeneity and efficiency across states. This paper documents how West Virginia (WV) banks' financial behavior differs from other U.S. banks and shows these differences cannot be explained fully by the composition of banks in the state. Despite experiencing faster banking consolidation, West Virginia still has more and smaller banks that are less efficient and profitable. WV banks' customers and managers heavily favor liabilities (time deposits) and assets (real estate loans) with longer maturity and lower risk and returns. Although shares of time …
The U.S. Coal Industry: Market Structure & Implications, Sara Elizabeth Guffey
The U.S. Coal Industry: Market Structure & Implications, Sara Elizabeth Guffey
Graduate Theses, Dissertations, and Problem Reports
The U.S. coal mining industry was once a booming industry which created and defined communities, particularly in Appalachia. The industry has, however, transformed significantly in the last couple of decades with the passage of environmental policies, with competition from the Shale Revolution, from changes in company ownership, and from mine safety regulation. Overall, the coal industry during this time has experienced a massive decline in production and employment. This dissertation is composed of three papers that investigate these mechanisms and their role in understanding market structure, coal transactions and prices, and mine safety outcomes. Motivated by the shutdowns of U.S. …