Skip to main content
Financial Innovation

Table 2 Descriptive statistics of bank characteristics

From: Regulatory constraint and small business lending: do innovative peer-to-peer lenders have an advantage?

Variable

Obs

Mean

Std. Dev

25th

Median

75th

SBLvol($k)

21,764

9.306

1.359

8.647764

9.382724

10.09371

SBLnmbr

21,324

4.887

1.468

4.143135

4.905275

5.645447

Size($bil)

22,504

12.071

1.283

11.21584

11.93074

12.74921

TRBCapital (%)

22,480

18.587

10.131

13.06045

15.64785

20.19954

Core Capital (%)

22,480

10.722

4.184

8.419788

9.667406

11.70716

CoreTier1 (%)

22,480

17.436

10.212

11.85806

14.46128

19.08427

Capital (%)

22,480

11.271

4.183

8.893805

10.2911

12.43739

Deposits (%)

22,504

82.665

8.264

79.74239

84.60511

88.10375

ROE (%)

22,480

4.598

12.538

2.229953

6.268635

10.62173

ROA (%)

22,480

.536

1.18

.2427241

.6774983

1.116585

NPL (%)

22,334

2.595

2.939

.6097619

1.667152

3.451154

SBLto TLoan (%)

22,334

9.361

7.081

4.401148

8.064407

12.76499

SBLto TA (%)

22,504

5.758

4.561

2.557525

4.825758

7.89244

C&I Loans($mil)

22,504

8.04

6.52

3.461009

6.612704

10.99003

  1. This table presents the summary statistics of bank-level statistics. The main dependant variable SBLvol is the log amount of small business loan volume. SBLnmbr is the logarithm of small business loan number. Size is the logarithm of banks total asset. TRBCapital is a total risk-based capital ratio. Core capital is a leverage (core capital) ratio. CoreTier1 is a Tier 1 risk-based capital ratio. Capital is the total bank capital to total assets. Deposits is the total deposits to total assets. ROE is the return on equity ratio. ROA is the return on assets ratio. NPL is the non-performing loans to total loans. SBLtoTLoan is the small business loan to total loans. SBLtoTA is the small business loan total assets. C&I Loans is the logarithm of commercial and industrial loans. Variables are winsorized at the 1st and 99th percentile
Back to article page