Minority Depository Institutions Have Vital Role Serving Vulnerable Communities
Cetina, Jill; Klemme, Kelly; Perez, Michael (2022-02-01)
Minority depository institutions merit particular attention because of the unique role they play in nurturing economic activity in minority and low- and moderate-income communities.
Dallas Fed Economics

Report
Small Banks Squeezed
Klemme, Kelly; Gunther, Jeffery W. (2012)
With consistent loan quality and resilient lending activity, community banks?and the traditional banking model they represent?can be a much-needed force for financial stability. Unfortunately, they?ve struggled to maintain market share, partly as a result of unintended consequences of public policy.
Annual Report

Journal Article
Eleventh District community banks outperform peers despite weaker credit quality
Dunbar, Seth; Klemme, Kelly (2024-12-27)
Eleventh District community banks will likely continue to outperform their nationwide peers in terms of profitability, given their larger share of noninterest-bearing deposits.
Southwest Economy

Journal Article
Redlining or red herring?
Robinson, Kenneth J.; Gunther, Jeffery W.; Klemme, Kelly (1999-05)
Southwest Economy , Issue May , Pages 8-13

Journal Article
Eleventh District Banks Confront Challenging Energy, Rate Situation
Klemme, Kelly; Skelton, Edward C. (2017-04)
Regional banks continue to navigate through the reality of depressed, though stable, energy prices. The institutions? performance slipped behind that of their counterparts nationally in 2016.
Southwest Economy , Issue Q2 , Pages 7-11

Journal Article
Robust regional banking sector faces new economic hurdles
Skelton, Edward C.; Klemme, Kelly (2015-04)
Profitability held steady at Eleventh District banks in 2014 as they continued outperforming their counterparts nationwide. However, rising interest rates and lower oil prices have emerged as potential tests for the region?s institutions.
Southwest Economy , Issue Q2 , Pages 3-7

Journal Article
Bank performance stable but headwinds mounting
Klemme, Kelly (2016)
Financial Insights , Volume 5 , Issue 1 , Pages 1-4

Journal Article
Bank performance strengthens
Klemme, Kelly (2014)
Bank performance, both nationwide and here in the Eleventh Federal Reserve District, has rebounded from the depths of the financial crisis. Data for 2013 show ongoing improvement in profitability, asset quality and loan growth, with banks in the Eleventh District continuing to outperform their counterparts nationwide.
Financial Insights , Volume 3 , Issue 1 , Pages 1-4

Report
A Lender for Tough Times
Klemme, Kelly; Gunther, Jeffery W. (2012)
Community banks are not only a major source of credit, but also a stable one for businesses. During the recent financial crisis and its aftermath, these smaller, traditional lenders provided credit to many firms, especially small businesses, when they needed it most.
Annual Report