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This paper empirically evaluates the impact of bank capital on lending patternsof commercial banks in the United States. We construct an unbalancedquarterly panel of around seven thousand medium sized commercial banks oversixty quarters, from 1996 to 2010. Using two different measures of capital namelythe capital adequacy ratio and tier 1 ratio, we find a moderate relationship betweenbank equity and lending. We also use an innovative instrumenting methodolgywhich helps us overcome the endogeneity issues that are common in suchanalyses. Our results are broadly consistent with some other recent studies thathave analyzed US banking data.

Bank Capital and Lending: An Analysis of Commercial Banks in the United States