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Examining the Financial Performance ...

Dizon-Roosa, Gavin M.

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Examining the Financial Performance of the Largest United States Banks Before and after Dodd-Frank.

Record Type:	Electronic resources : Monograph/item
Title/Author:	Examining the Financial Performance of the Largest United States Banks Before and after Dodd-Frank./
Author:	Dizon-Roosa, Gavin M.
Published:	Ann Arbor : ProQuest Dissertations & Theses, : 2019,
Description:	150 p.
Notes:	Source: Dissertations Abstracts International, Volume: 80-10, Section: A.
Contained By:	Dissertations Abstracts International80-10A.
Subject:	Finance. -
Online resource:	http://pqdd.sinica.edu.tw/twdaoapp/servlet/advanced?query=13809693
ISBN:	9781392043622

Examining the Financial Performance of the Largest United States Banks Before and after Dodd-Frank.
Dizon-Roosa, Gavin M.

Examining the Financial Performance of the Largest United States Banks Before and after Dodd-Frank. - Ann Arbor : ProQuest Dissertations & Theses, 2019 - 150 p.

Source: Dissertations Abstracts International, Volume: 80-10, Section: A.

Thesis (D.B.A.)--Capella University, 2019.

This item must not be sold to any third party vendors.

The general business problem was the continued uncertainty about the effects of the enactment of the Dodd-Frank Act on the banking industry and the economy. The purpose of this study was to help fill the gap in the literature by examining the extent to which the financial performance of six United States banks with more than $500 billion in assets differed in the years before and after the enactment of the Dodd-Frank Act. Identification of the gap led to the research question: To what extent did the financial performance of six United States banks with more than $500 billion in assets differed in the years before and after the enactment of the Dodd-Frank Act? Examined were the profitability and capital structure ratios for each bank and for each ratio across banks. The researcher followed a quantitative method using data collected from publicly filed 10-K reports. The financial data compared were from 2002 to 2006 with data from 2011 to 2015. A one-way ANOVA was used to compare data from before and after the enactment of the Dodd-Frank Act for operating profit margin, net profit margin, return on assets, return on equity, return on capital, debt to equity ratio, and financial leverage ratio. The results of data analyses indicated there was a statistically significant reduction in the banks' profitability from the 2002 to 2006 pre-Dodd-Frank Act enactment period compared to the 2011 to 2015 post-Dodd-Frank Act enactment period as shown by reductions in operating profit margin, return on assets, return on equity, and net profit margins. The ANOVA test results also indicated there was no statistically significant reduction in profitability as measured by return on capital. Data analyses of the components of each of the profitability metrics showed increases in noninterest expenses, total assets, total equity, and total capital grew faster than revenues, resulting in the decrease of profitability for the 2002 to 2006 pre-Dodd-Frank Act enactment period and the 2011 to 2015 post-enactment period. Analyses also showed there was a statistically significant reduction in the debt to equity ratio and the financial leverage ratio. In other words, the post-Dodd-Frank Act enactment period 2011 to 2015 debt to equity ratio and financial leverage ratios were lower than the pre-Dodd-Frank Act enactment period 2002 to 2006 debt to equity ratio and financial leverage ratio. Ultimately, the results showed the banks were less profitable but had a stronger capital adequacy position post-Dodd-Frank Act enactment.

ISBN: 9781392043622Subjects--Topical Terms:

542899
Finance.

Examining the Financial Performance of the Largest United States Banks Before and after Dodd-Frank.
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520 $a The general business problem was the continued uncertainty about the effects of the enactment of the Dodd-Frank Act on the banking industry and the economy. The purpose of this study was to help fill the gap in the literature by examining the extent to which the financial performance of six United States banks with more than $500 billion in assets differed in the years before and after the enactment of the Dodd-Frank Act. Identification of the gap led to the research question: To what extent did the financial performance of six United States banks with more than $500 billion in assets differed in the years before and after the enactment of the Dodd-Frank Act? Examined were the profitability and capital structure ratios for each bank and for each ratio across banks. The researcher followed a quantitative method using data collected from publicly filed 10-K reports. The financial data compared were from 2002 to 2006 with data from 2011 to 2015. A one-way ANOVA was used to compare data from before and after the enactment of the Dodd-Frank Act for operating profit margin, net profit margin, return on assets, return on equity, return on capital, debt to equity ratio, and financial leverage ratio. The results of data analyses indicated there was a statistically significant reduction in the banks' profitability from the 2002 to 2006 pre-Dodd-Frank Act enactment period compared to the 2011 to 2015 post-Dodd-Frank Act enactment period as shown by reductions in operating profit margin, return on assets, return on equity, and net profit margins. The ANOVA test results also indicated there was no statistically significant reduction in profitability as measured by return on capital. Data analyses of the components of each of the profitability metrics showed increases in noninterest expenses, total assets, total equity, and total capital grew faster than revenues, resulting in the decrease of profitability for the 2002 to 2006 pre-Dodd-Frank Act enactment period and the 2011 to 2015 post-enactment period. Analyses also showed there was a statistically significant reduction in the debt to equity ratio and the financial leverage ratio. In other words, the post-Dodd-Frank Act enactment period 2011 to 2015 debt to equity ratio and financial leverage ratios were lower than the pre-Dodd-Frank Act enactment period 2002 to 2006 debt to equity ratio and financial leverage ratio. Ultimately, the results showed the banks were less profitable but had a stronger capital adequacy position post-Dodd-Frank Act enactment.
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