Journal Article
Thrifts and the competitive analysis of bank mergers
Watro, Paul R. (1983-01)
An examination of the competitive importance of thrift institutions in supplying financial services to local commercial customers. Based on empirical findings, a method is presented to adjust the market share of loan associations.
Economic Review , Issue Win , Pages 13-22

Journal Article
Local thrift competition and bank earnings
Watro, Paul R. (1987-11)
A discussion of how thrift competition affects the earnings of banks, using data from a sample of 314 banks from a 14-state area.
Economic Commentary , Issue Nov

Journal Article
The bank credit-card boom: some explanations and consequences
Watro, Paul R. (1988-03)
An analysis of the surge in bank credit-card lending and the resulting rise in credit-card losses, which causes some banks to have higher charge-off rates than others because of different loan risks.
Economic Commentary , Issue Mar

Journal Article
Have the characteristics of high-earning banks changed? Evidence from Ohio
Watro, Paul R. (1989-09)
An analysis of the effects of deregulation on the earnings of Ohio banks in the last decade, finding that the top-performing financial institutions earned even higher returns on assets after deregulation, while the earnings of poorly managed banks deteriorated.
Economic Commentary , Issue Sep

Journal Article
Deregulation and deposit pricing
Watro, Paul R. (1984-04)
A deposit-pricing survey and comparison of 112 depository institutions in the Fourth Federal Reserve District, covering MMDAs, Super-NOWS, and CDs in an examination of the effect of interest-rate deregulation on banks and thrifts.
Economic Commentary , Issue Apr

Journal Article
Deposit rates and local markets
Watro, Paul R. (1985-02)
An analysis of the effects of local market structure on deposit rates, using a sample of depository institutions in Ohio.
Economic Commentary , Issue Feb

Journal Article
Is the thrift performance gap widening? Evidence from Ohio
Watro, Paul R. (1988-08)
An analysis of differences in earnings of the best- and worst- performing savings and loan associations in Ohio, explaining how differences in revenues, expenses, and costs in the last five years have caused the healthy thrifts to perform better and the sick thrifts to perform worse.
Economic Commentary , Issue Aug

Journal Article
Loan-quality differences: evidence from Ohio banks
Watro, Paul R. (1987-01)
A discussion of the deterioration of loan quality and bank earnings, using data from a sample of 84 Ohio banks, and examining the differences between banks with high- and low-quality loans, citing the effects of local economic conditions, lending behavior, and other factors.
Economic Commentary , Issue Jan

Journal Article
Rate deregulation and deposit shifting
Watro, Paul R. (1984-07)
An analysis of deposit holdings of commercial banks and thrifts in the Fourth Federal Reserve District to determine the deposit growth and shifting that resulted from introduction of Super-NOWs and MMDAs.
Economic Commentary , Issue Jul

Journal Article
Bank earnings: comparing the extremes
Watro, Paul R. (1985-11)
An examination of bank profitability in a four-state region and a discussion of institutional, operational, and locational differences between the most profitable and least profitable banks.
Economic Commentary , Issue Nov