... and Income, Washington, DC. , 2000, Reports of Condition and Income,Washington, DC. , 1999, Reports of Condition and Income,Washington, DC. , 1998, Reports of Condition and Income,Washington, ... local market:A combination of two community banks that operate in the same small towns may increase their pricingpower in those towns. But increased size can also havea downside: A community ... substantial reduction in thenumber of community banks in the U.S. As shown in figure 1, over half of all U.S. bank mergers since 1985have combined two community banks (defined here as having less than...