Journal Article
Most community banks will pay lower premiums under FDIC assessment rules
Fuchs, James W.; Meyer, Andrew P. (2011-07)
Find out why community banks will benefit from the new FDIC assessment base as called for under the Dodd-Frank Act.
Central Banker , Issue Summer

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
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
Should we ax the capital gains tax?
Meyer, Andrew P. (1995-07)
The Regional Economist , Issue Jul , Pages 10-11

Journal Article
How Fast Will Banks Adopt New Technology This Time?
Wiggins, Neil; Dahl, Drew; Meyer, Andrew P. (2017)
We offer insight into this question of what might happen with respect to the introduction of new technologies by looking back at what did happen following introduction of an earlier technology: bank websites. If the past is prologue, this may foretell how technological innovations in banking will be diffused in the future.
The Regional Economist , Volume 25 , Issue 4

Journal Article
Jumbo CDs play tiny role in policing risky banks ... so far
Hall, John R.; Vaughan, Mark D.; Meyer, Andrew P.; King, Thomas B. (2002-07)
Reforms enacted after the S&L crisis have yet to persuade holders of jumbo CDs to monitor their banks' risky practices.
The Regional Economist , Issue Jul. , Pages 12-13

Journal Article
Market Concentration and Its Impact on Community Banks
Meyer, Andrew P. (2018)
This article explores the effect that market concentration has on the ability of community banks to expand in their small markets, especially rural ones. For small banking markets, a community bank is often prevented from selling to a crosstown rival because of market concentration regulations, even if it might be in the best interest of consumers for other reasons. For example, compared to an in-market community bank, a large out-of-market bank holding company may have less interest in local institutions and less knowledge about market conditions and the reputation and quality of local ...
The Regional Economist , Volume 26 , Issue 1

Journal Article
Scale Matters: Community Banks and Compliance Costs
Dahl, Drew; Meyer, Andrew P.; Neely, Michelle Clark (2016-07)
Research shows that complying with government regulations is more burdensome for smaller community banks than larger community banks. Despite spending proportionately more resources on compliance, the smaller banks do not perform as well as the larger ones, at least in one key metric.
The Regional Economist , Issue July

Journal Article
Are district banks losing their profit edge?
Meyer, Andrew P.; Vaughan, Mark D. (1997-04)
After decades of beating out their peers in the return on average assets race, Eighth District banks now trail the pack.
The Regional Economist , Issue Apr , Pages 12-13

Journal Article
Another Way to Compare Banking Conditions in the U.S.
Meyer, Andrew P. (2017)
The Regional Economist , Volume 25 , Issue 3