... After decliningsteadily since the mid-1980s, the number of new bank charters in the United States increased sharply during the second half of the 1990s,surpassing 200 at the end of the decade ... “Small Business Lending and the Changing Structure of the Banking Industry,” Journal of Banking andFinance, August.Sullivan, Richard J. 2000. “How Has the Adoption of Internet Banking AffectedPerformance ... community banks still comprise the vast majority of banks, the question arises whether their role in the banking system has declined to the point of insignificance. This sectionshows that community banks...