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Author:Klemme, Kelly 

Minority Depository Institutions Have Vital Role Serving Vulnerable Communities

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

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

Report
Community Banks Withstand the Storm

Community banks, which rely on strong customer relationships and disciplined lending practices, weathered the financial crisis better than large, nontraditional banks. This superior performance suggests that a back-to-basics approach to banking could help the nation realize financial stability that lasts.
Annual Report

Journal Article
Banks Face New Challenges as Texas Rebounds from COVID-19 Shock

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

Working Paper
What Drives Cyber Losses at U.S. Banks? Potential Statistical Markers

Bank supervisors and regulators are keen to understand and mitigate bank cyber risks. We model average annual loss (AAL) rates from “attritional” cyber-attacks and other cyber events using new, individual bank level data from the CyberCube “analytics platform” combined with standard bank performance measures. We estimate a variety of regression models to robustly identify the systematic drivers of these loss rates. We find that cyber risk AAL loss rates are significantly U-shaped in bank size, contrary to the view these risks are declining in bank size. Bank cyber risk contains a ...
Working Papers , Paper 2520

Journal Article
Eleventh District community banks outperform peers despite weaker credit quality

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?

Southwest Economy , Issue May , Pages 8-13

Journal Article
Eleventh District Banks Confront Challenging Energy, Rate Situation

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

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

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