Journal Article
The relationship between loan classifications and losses : the effects of a changing economy
Lemieux, Catharine; Spong, Kenneth (1992-12)
The agriculture and energy sectors suffered dramatic declines during the 1980s in the Tenth Federal Reserve District. Bank asset quality also declined during this time period, particularly for farm banks. Using information on loan classifications and charge-offs, this study traces classified loans over time to determine their subsequent performance. ; This study found that examiners were able to identify a majority of the problem credits prior to charge-off. Additionally, examiners were able to distinguish the relative riskiness of problem credits. Economic conditions were found to have a ...
Financial Industry Perspectives , Issue Dec , Pages 1-14

Journal Article
Bank profits in a changing environment
Spong, Kenneth; West, Robert Craig; Myers, Forest (1984)
Financial Industry Perspectives

Journal Article
One-bank holding company debt: regulatory policy and experience
Spong, Kenneth; Hoenig, Thomas M. (1984)
Financial Industry Perspectives

Journal Article
The outlook for the U.S. banking industry : what does the experience of the 1980s and 1990s tell us?
Sullivan, Richard J.; Spong, Kenneth (1999-10)
In many respects, the 1980s appear to be the worst decade in banking since the Great Depression, while the 1990s could be rated as the best. Over 1,100 commercial banks failed or needed FDIC assistance during the 1980s, and significant parts of the thrift industry became insolvent and had to be resolved, costing taxpayers $125 billion. In contrast, the banking industry began a dramatic recovery in the first half of 1990s and has recently achieved record profitability, extremely low levels of loan losses, and the highest capital ratios since the early 1940s. As a result, the number of banks ...
Economic Review , Volume 84 , Issue Q IV , Pages 65-83

Journal Article
Master plan: banks can learn from Greensburg's recovery
Spong, Kenneth; Robbins, Eric (2008-10)
As bankers rebuild after the May 2007 tornado that obliterated this Kansas town, the need for financial institutions' emergency preparedness is reinforced.
TEN , Issue Fall , Pages 9-15

Journal Article
How does ownership structure and manager wealth influence risk? : a look at ownership structure, manager wealth, and risk in commercial banks
Sullivan, Richard J.; Spong, Kenneth (1998-12)
Bank managers, stockholders, and directors must work closely together in deciding what risks their bank will assume and how to control the bank's overall risk exposure. Each decision-maker will have to understand the risk preferences of others in order to make mutually acceptable decisions and develop policies that reflect all of their concerns. To the extent that weak risk control is tied to management and ownership structure, bank examiners must also understand the basic components of a sound management and ownership structure if the examiner is to suggest corrective steps for a problem ...
Financial Industry Perspectives , Issue Dec , Pages 15-40

Journal Article
Assistance for problem banks
Spong, Kenneth (1988)
Special issue on problem banks
Financial Industry Perspectives

Journal Article
The decline in core deposits : what can banks do?
Spong, Kenneth; Harvey, James (2001-12)
In recent years, growth in traditional deposit funding sources has failed to match the growth in assets at many banks. These funding shortfalls are raising a number of important concerns, including whether community banks will have to curtail lending to small businesses, farmers, and other local customers. This article takes a look at bank funding trends and their implications for community banks. The article also examines possible explanations for the trends, such as strong loan demand, shifts in household financial portfolios, new competition, comparative returns on other financial ...
Financial Industry Perspectives , Issue Dec , Pages 35-48

Monograph
Banking regulation : its purposes, implementation, and effects
Spong, Kenneth (2000)
5th edition.
Monograph

Journal Article
Bank examination classifications and loan risk
Spong, Kenneth; Hoenig, Thomas M. (1979-06)
Economic Review , Volume 64 , Issue Jun , Pages 15-25