... dimensional classification methods: bank size, location, ownership type, sources of income, etc. For example, Grifell and THREE ESSASYS ON BANK TECHNOLOGY, COST STRUCTURE, AND PERFORMANCE ... (1983) on investment banking industry, Curry and Rose (1997) on thrift institutions, and Amel and Rhoades (1988, 1992) on commercial banking industry. However, there is no consensus among these ... production, efficiency and performance) . This dissertation consists of three independent but related studies on the US commercial banking industry, the de novo banks in the US and the banking...