Journal Article
Community bank lending during the financial crisis
Meyer, Andrew P.; Corner, Gary S. (2013-04)
The total volume of loans held by community banks peaked in 2008 and dropped during the financial crisis and Great Recession. Total loans bottomed out in 2011 and, as of December 2012, have only recovered to a level roughly 10 percent below their 2008 peak. During this period, both demand and supply factors undoubtedly played roles in the change in bank lending.
Central Banker , Issue Spring

Journal Article
What if debit card transactions exchanged at par?
Corner, Gary S. (2011-04)
Under a mandate from the Dodd-Frank Act, the Federal Reserve proposed standards for determining whether debit card interchange fees are ?reasonable and proportional? to the cost of the transaction.
Central Banker , Issue Spring

Journal Article
Agriculture Boom Continued 2013
Corner, Gary S. (2013-01)
U.S. agriculture has been booming in recent years with record farm incomes and double-digit percentage increases in cropland prices. However, farm income projections suggest a flattening, if not a reversal, of these trends. 2013 may prove to be a peak year, as analysts expect the agriculture sector to experience lower commodity prices, normal crop production and lower farm income over the next several years.
Central Banker , Issue Winter

Journal Article
2013 Community Banking Performance: A Year of Recovery
Neely, Michelle Clark; Corner, Gary S. (2013-01)
Central Banker , Issue Winter

Journal Article
The demographics of decline in small-business lending
Bhaskar, Rajeev R.; Corner, Gary S. (2010-04)
Outstanding loan volume at commercial banks declined 2.2 percent between June 2008 and June 2009.
Central Banker , Issue Spring

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

Journal Article
Will community bank returns on equity return to precrisis levels?
Corner, Gary S. (2012-04)
It is possible ROE will settle in at a lower-than-precrisis historical rate, leading to a resetting of performance expectations by community bank stakeholders.
Central Banker , Issue Spr

Journal Article
What are the challenges that banks face to raise capital?
Corner, Gary S. (2010-04)
Investors remain available for offensive capital-raising but are scarce for defensive capital-raising.>
Central Banker , Issue Spring

Journal Article
Trends in OREO: community banks still have a long way to go
Gubo, Daigo; Corner, Gary S. (2012-01)
Since the third quarter of 2011, OREO levels at community banks in the District and nationwide have declined. However, the current volume of these properties is much higher than what it was before the start of the financial crisis, indicating that such banks have a long way to go before OREO levels return to what they were before the financial crisis.
Central Banker , Issue Winter

Journal Article
Asset quality: are we there yet?
Corner, Gary S. (2010-01)
The largest national banks apparently have turned the corner on asset quality issues, but this improving trend has not yet emerging across the Eighth District.
Central Banker , Issue Win