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Journal Article
Profits of commercial banks in Tenth District states
Journal Article
The role of community banks in the U.S. economy
The U.S. banking system is unusual in consisting not only of some very large banks but also a large number of relatively small community banks. This bifurcated banking system in the United States has served the economy well. Over time, with regulatory change and financial innovation, large banks have become complex organizations engaged in a wide range of activities. They provide a variety of services to their customers, but often rely on hard financial information, computer models, and centralized decision-making as the basis for conducting business. In contrast, small banks have focused ...
Journal Article
Solid performance at Tenth District banks
Commercial banks in Tenth District states performed well in the first half of 1997. Profitability and loan quality remained high, while loans continued to grow at a healthy pace. The only negative was that deposits grew sluggishly, adding to liquidity pressures. Banks in district states slightly outperformed banks nationwide in profitability and loan quality, while matching them in loan growth and deposit growth.
Working Paper
The cross-market spillover of economic shocks through multi-market banks
This paper investigates the mortgage lending of banks operating in multiple U.S. metropolitan areas during the housing market collapse of 2007-2009. Some metro areas in the U.S. suffered much greater mortgage defaults than others. We use this regional variation to identify whether high mortgage delinquencies in some markets affected multi-market banks' mortgage lending in other markets. Our results show that multi-market banks reduced local mortgage lending in response to delinquencies in other markets, consistent with the view that local economic shocks can be transmitted to other regions ...
Journal Article
Good times continue for Tenth District banks
Commercial banks in Tenth District states continued to perform well in 1997. Profitability remained high, loan quality improved, and loan growth and deposit growth were both strong. Banks in district states also outperformed banks nationwide by all four performance measures.
Journal Article
Banking performance in Tenth District states
Journal Article
Changes in the depository industry in Tenth District states
Recent development in Congress and the courts have focused attention on the relative roles of commercial banks, thrifts, and credit unions. As concern mounted last year about the state of the thrift deposit insurance fund, Congress required commercial banks to share the burden of recapitalizing the fund. In return, Congress promised to come up with a plan for merging the bank and thrift charters, a move the banking industry has long favored. About the same time, a federal appeals court ruled against a major source of credit union growth since the early 1980s - the acceptance of new members ...
Journal Article
Survey of Tenth District manufacturers
Manufacturing activity in the Kansas City Federal Reserve District expanded in July but at a slightly slower pace than earlier in the year, according to a quarterly survey of manufacturers across the district. The survey takes a snapshot of manufacturing the first month of each quarter by asking plant managers about a variety of manufacturing indicators (Table 1). By most measures, manufacturing showed a modest expansion during July. Inventories of raw materials and finished goods were generally unchanged at district factories. Prices received for finished goods held steady, while prices of ...