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US Bank Closure Research Project 2000-2020.

This project analyses bank closures and acquisitions from 2000 to 2020, relating them to economic trends leading up to those closures. The research focuses on finding if there was any correlation between Bank Failures, Bank Credit, Economic Inflation, and Personal Loans in the United States with those years.

## Data Sources:

Tools Used:

Repository

Link Here

PowerBI Dashboard:

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Key Findings

  1. The year 2005 had the highest Bank Credit % Change at 10.20, while the year 2009 had the lowest Bank Credit % Change at -5.90. ​
  2. The year 2022 had the highest Average of Consumer Loans (Billions) at 11.50, while the year 2010 had the lowest Average of Consumer Loans (Billions) at -8.50. ​
  3. There is a positive correlation between Average Bank Credit % Change and Average Borrowings % Change. ​
  4. There is a positive correlation between Average of Consumer Loans (Billions) and total Average of Consumer Card Loans % Change. ​
  5. There is no direct correlation between Inflation-to-GDP % and Bank Shut downs. ​
  6. At 10.20, 2005 had the highest Bank Credit % Change and was 272.88% higher than 2009, which had the lowest Bank Credit % Change at -5.90.
  7. At 11.50, 2022 had the highest Average of Consumer Loans (Billions) and was 235.29% higher than 2010, which had the lowest Average of Consumer Loans (Billions) at -8.50.
  8. Average Bank Credit % Change and Average Borrowings % Change are positively correlated with each other.
  9. Average of Consumer Loans (Billions) and total Average of Consumer Card Loans % Change are positively correlated with each other.
  10. Across all 19 Years,
    • The Average Bank Credit % Change ranged from -5.90 to 10.20.
    • The Average of Borrowings % Change ranged from -25 to 14.70.
    • The Average of Consumer Card Loans % Change ranged from -12.10 to 17.40.
    • The Average of Consumer Loans (Billions) ranged from -8.50 to 11.50,
    • The Average of Consumer Card Loans % Change ranged from -12.10 to 17.40,
    • The Average of Consumer Loans (Billions)- Bank Credit ranged from -9.20 to 12.20.