Search Results
Journal Article
How do banks make money? a variety of business strategies
In the second of two articles, the authors show that the business strategy chosen by a commercial banking company can have a substantial impact on its risk-return profile. Their analysis suggests that a wide variety of business strategies are likely to be financially viable in the future but, echoing concerns of others, they conclude that very small banking companies will face financial challenges regardless of the business strategy they select
Discussion Paper
How Do Liquidity Conditions Affect U.S. Bank Lending?
The recent financial crisis underscored the importance of understanding how liquidity conditions for banks (or other financial institutions) influence the banks' lending to domestic and foreign customers.
Newsletter
Implementing the Check 21 Act: potential risks facing banks
The Check Clearing for the 21st Century Act (the Check 21 Act) was designed to facilitate technological innovation by accelerating the transition to electronic check processing. Yet, in adopting Check 21-related processing, banks must also appropriately identify and mitigate potential risks associated with this new federal law.
Newsletter
The branch banking boom in Illinois: a byproduct of restrictive branching laws
What?s behind the boom in bank branches across Illinois, particularly in Chicago? The authors explore the history of branch banking within the state and across the nation to help explain this recent trend and discuss its future implications.
Journal Article
Profits and balance sheet developments at U.S. commercial banks in 2008
Reviews recent developments in the balance sheets and in the profitability of U.S. commercial banks. The article discusses how developments in the U.S. banking industry in 2008 and early 2009 were related to changes in financial markets and in the broader economy.
Newsletter
Federal preemption of state bank regulation: a conference panel summary
The Chicago Fed's 42nd Annual Conference on Bank Structure and Competition, which took place May 17?19, 2006, included a panel on federal preemption of state banking regulation. The panelists discussed the wide-ranging impact of rules issued by the Office of the Comptroller of the Currency, the federal agency that regulates national banks.
Working Paper
Assessing a decade of interstate bank branching
U.S. banking regulation has historically prohibited the ability of a bank to open or own a branch located outside of its home state, commonly referred to as interstate branching. Only since the passage of the Riegle-Neal Interstate Banking and Branching Efficiency Act (IBBEA) in 1994 have banks have been able to engage in interstate branching, though subject to state restrictions. Despite IBBEA?s removal of branching barriers, it still allowed the states to impose restrictions on the entry of out-of-state branch offices. This article describes the changes in Federal and state interstate ...