Grochulski, Borys , Schwam, Daniel and Zhang, Yuzhe. "Cyclical Properties of Bank Margins : Small Versus Large Banks," in Federal Reserve Bank of Richmond. "First Quarter 2018, Vol. 104, No. 1," Economic Quarterly (Federal Reserve Bank of Richmond) (First Quarter 2018) : 1-33. https://fraser.stlouisfed.org/title/960/item/583238/toc/527230 , accessed on June 28, 2022.