Keeley, Michael C. and Zimmerman, Gary Chris. "Determining Geographic Markets for Deposit Competition in Banking," in Federal Reserve Bank of San Francisco. "Summer 1985, Number 3," Economic Review (Federal Reserve Bank of San Francisco) (Summer 1985) : 25-45. https://fraser.stlouisfed.org/title/869/item/520380/toc/514182 , accessed on May 9, 2024.