| TIER1 |
| 0.760 (1.17) |
| ROA |
| −37.142*** (−18.24) |
| LIQUIDITY |
| 0.257 (1.06) |
| NPL |
| −29.880*** (−30.18) |
| CI |
| 1.203*** (6.82) |
| LOANS/DEP |
| 0.288*** (2.66) |
| SIZE |
| −0.080*** (−5.36) |
| GDPPC |
| −0.076 (−0.61) |
| UNEMPLOYMENT |
| −0.049*** (−6.29) |
| POPULATION |
| 0.095*** (6.33) |
| YEAR FIXED EFFECTS | YES | YES |
| Adj. R2 | 0.0002 | 0.0489 |
| # of Observations | 106,272 | 106,272 |