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Journal Article
Interest on reserves and monetary policy
Goodfriend, Marvin (2002-05)
Paper for a conference sponsored by the Federal Reserve Bank of New York entitled Financial Innovation and Monetary Transmission
Economic Policy Review , Volume 8 , Issue May , Pages 77-84

Journal Article
North Texas income dip may reflect decline in education
Orrenius, Pia M.; Berman, Anna L. (2006-09)
Southwest Economy , Issue Sep , Pages 10

Journal Article
The California \\"rate gap\\" since the BankAmerica-Security Pacific merger
Laderman, Elizabeth (1996)
FRBSF Economic Letter

Journal Article
Membership structure, competition, and occupational credit union deposit rates
Schmid, Frank A.; Emmons, William R. (2001-01)
How do occupational credit unions set deposit rates? This article shows that the answer to this question will depend on (i) who actually makes business decisions in credit unions (who is in control), and (ii) whether local deposit market competition is important. It is not obvious who controls occupational credit unions. If the sponsor (the employer) is in control, then loans and deposits are priced to maximize the surplus received by all of the credit union?s current and potential members (those eligible to join). If members are in control, then a group of members with a majority can ...
Review , Volume 83 , Issue Jan , Pages 41-50

Working Paper
Bank deposit rate clustering: theory and empirical evidence
Pennacchi, George; Sopranzetti, Ben; Kahn, Charles M. (1996)
An examination of banks' optimal deposit-rate-setting behavior when some customers have limited recall, showing that when banks exploit this phenomenon, deposit rates will tend to be set at round fractions and will be relatively "sticky" at these levels.
Working Papers (Old Series) , Paper 9604

Journal Article
Construction loans at commercial banks
Fisher, Robert Moore (1972-06)
Federal Reserve Bulletin , Issue Jun

Journal Article
The benefits of bank deposit rate ceilings: new evidence on bank rates and risk in the 1920's
Rolnick, Arthur J. (1987-07)
Quarterly Review , Volume 11 , Issue Sum , Pages 2-18

Journal Article
Interest on reserves and daylight credit
Weinberg, John A.; Ennis, Huberto M. (2007-04)
Economic Quarterly , Volume 93 , Issue Spr , Pages 111-142

Discussion Paper
Responses to deregulation: retail deposit pricing from 1983 through 1985
McLaughlin, Mary M.; O'Brien, Paul F.; Mahoney, Patrick I.; White, Alice P. (1987)
Staff Studies , Paper 151

Journal Article
Trends in community banks' net interest margins
Meyer, Andrew P.; Corner, Gary S. (2013-07)
Net interest margins are clearly under pressure at community banks, but this trend is not new. It is a product of a highly competitive banking industry and a direct result of today?s lower lending levels and abundant balance sheet liquidity. The net interest margin is the difference between interest income and interest expense. Interest income and interest expense fluctuated considerably through the business cycle, but the long-term trend indicates that asset yields are falling faster than deposit and other funding costs.
Central Banker , Issue Summer

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