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Working Paper

Gross Loan Flows

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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.
11.01.2000ISSN 2573-7953 WP 00-14DOI 10.26509/frbc-wp-200014

Working Papers of the Federal Reserve Bank of Cleveland are preliminary materials circulated to stimulate discussion and critical comment on research in progress. They may not have been subject to the formal editorial review accorded official Federal Reserve Bank of Cleveland publications. The views expressed in this paper are those of the authors and do not represent the views of the Federal Reserve Bank of Cleveland or the Federal Reserve System.

Suggested Citation

Craig, Ben R., and Joseph G. Haubrich. 2000. “Gross Loan Flows.” Federal Reserve Bank of Cleveland, Working Paper No. 00-14. https://doi.org/10.26509/frbc-wp-200014