Search Results
Journal Article
Consolidation, technology, and the changing structure of banks' small business lending
The U.S. banking industry continues to consolidate, with large, complex banking organizations becoming more important. Traditionally, these institutions have not emphasized small business lending. On the other hand, technological advances, particularly credit scoring models, make it easier for banks to extend small business credit. To see what effects these influences might have generated on small business lending, David Ely and Kenneth Robinson explore the small business lending patterns at U.S. banks from 1994 through 1999. They find that larger banks are increasing their market share, ...
Journal Article
Banking recovery could be vulnerable to interest rate increases
The earnings on assets?generally loans?may not respond as rapidly as the cost of funds?deposits?leading to declining profits.
Journal Article
Noteworthy: banking: district outperforms U.S. on profits
Banking industry indicators deteriorated in 2008--both in the Dallas Fed's district and nationwide.
Journal Article
Risky business: clearing checks during banking crises
Journal Article
The Texas banking crisis and the payments system
The Federal Reserve System plays a crucial role in the payments system that is especially important during periods of financial turmoil. In this article, Robert Clair, Joanna Kolson, and Kenneth Robinson explain the process and the risks involved in clearing checks in the private sector. They compare these processes and risks with the essentially risk-free check-clearing service the Federal Reserve System offers. During banking crises, they hypothesize, banks will increase their check-clearing through the Federal Reserve to minimize their risk exposure. A model of Federal Reserve ...
