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Gross Loan Flows


We present a series of stylized facts about gross loan flows and how they vary over time, bank size, and region. We define loan creation as the sum of the change in bank loans at all banks that increased loans since last quarter. Loan destruction is similarly defined as the absolute value of the change in loans at all banks that decreased loans. The gross flow (akin to what the labor literature calls reallocation) is the sum of creation and destruction.


Suggested citation: Craig, Ben R., and Joseph G. Haubrich, 2000. “Gross Loan Flows,” Federal Reserve Bank of Cleveland, Working Paper, no. 00-14.

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