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
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
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
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
Geographic banking markets
Watro, Paul R. (1983-09)
A discussion of the fundamental differences between banking service and market areas, a review of methods used by regulatory agencies to define geographical markets, and comment on the findings of a 1981 banking-use survey of 528 small Ohio businesses.
Economic Commentary , Issue Sep

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
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
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
How are the ex-ODGF thrifts doing?
Watro, Paul R. (1988-10)
A determination that the savings and loan associations surviving the 1985 Ohio Deposit Guarantee Fund crisis as independent thrifts have performed better than similar-sized Ohio thrifts because they have been able to contain costs, thereby improving their net worth through higher earnings.
Economic Commentary , Issue Oct

Journal Article
Financial services and small businesses
Watro, Paul R. (1982-01)
A survey to determine the source of deposit and credit services to small commercial customers, using a sample of 368 Ohio firms with sales under $10 million.
Economic Commentary , Issue Jan