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

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

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 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
Risks mount for Eleventh District banks amid energy weakness
Skelton, Edward C.; Klemme, Kelly (2016-04)
Relatively low energy prices have slowed economic expansion and diminished prospects for Eleventh District banks. Though regional institutions outperformed their peers nationally in 2015, loan growth slowed and profitability declined, leading to a guarded outlook for 2016.
Southwest Economy , Issue Q2 , Pages 3-7

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

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
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
Banks Face New Challenges as Texas Rebounds from COVID-19 Shock
Chapel, Amy; Killgo, Kory A.; Klemme, Kelly (2021)
The banking industry faced significant challenges from the COVID-19 pandemic in 2020, with profitability declining to levels not seen since the 2008–09 financial crisis. While strong economic growth during 2021 is expected as the economy reopens, some credit deterioration and losses are still possible as fiscal stimulus and national forbearance programs end.
Southwest Economy , Issue Second Quarter

Discussion Paper
The Pandemic's Impact on Credit Risk: Averted or Delayed?
Byun, Sung Je; Game, Aaron L.; Jiron, Alexander; Kapinos, Pavel; Klemme, Kelly; Loudis, Bert (2021-07-30)
The COVID-19 recession resulted in historic unemployment and a significant shock to much of the service sector. Despite these macroeconomic challenges, banks' risk-based capital buffers remain high and the number of bank failures remains low. Government relief programs, including the Coronavirus Aid, Relief, and Economic Security (CARES) Act, both directly and indirectly helped stabilize bank balance sheets during the crisis.
FEDS Notes , Paper 2021-07-30-3