Its use would probably be limited to a community bank and local stores in a very small town.

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Loan customers are mostly medium-sized local businesses, which might be too small to get much attention from a bank with national aspirations.

ECONOMIST: Small banks in America

There was no borrowing from the central bank, only some small borrowing by the central budget from local budgets.

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Mr. Bernanke stressed the point that our economy needs community banks, as they are sometimes the only bank that has the local market intelligence and expertise to make desperately-needed small business loans.

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