Journal Article
Concentration and profitability in non-MSA banking markets
Whalen, Gary (1987-01)
An examination of the relationship between bank profitability and concentration using recent data from a sample of institutions drawn from non-metropolitan statistical area counties in Ohio and Pennsylvania.
Economic Review , Issue Q I , Pages 2-9

Journal Article
Using financial data to identify changes in bank condition
Thomson, James B.; Whalen, Gary (1988-04)
An empirical study using an early-warning bank failure prediction model and call-report data to predict deterioration in a bank's condition.
Economic Review , Volume 24 , Issue Q II , Pages 17-26

Journal Article
The financial distress in American farming
Whalen, Gary; Bryan, Michael F. (1985-06)
An analysis of the uneven distribution of problem debt among the nation' s farmers, a discussion of the effect of this debt on agricultural banks, and an estimate of the probable impact of farm debt problems on the nation.
Economic Commentary , Issue Jun

Journal Article
Loan quality of bank holding companies
Whalen, Gary (1983-03)
A discussion of loan quality at a cross-section of 60 regional bank holding companies located in 12 states, using net charge-offs and non- performing loans as a measure of quality, and examining the linkage between loan quality and bank performance.
Economic Commentary , Issue Mar

Journal Article
Commercial lending of Ohio's S&Ls
Whalen, Gary (1988-12)
An examination of the extent to which savings and loan associations in Ohio have chosen to exercise their expanded commercial lending powers in the 1980s, and an investigation of the impacts of this decision on their performance.
Economic Commentary , Issue Dec

Journal Article
Competition and bank profitability: recent evidence
Whalen, Gary (1986-11)
A discussion of the traditional structure-performance theory and the contestable market theory as they pertain to competition and bank profitability in the banking industry. The author uses data from a sample of Ohio and Pennsylvania banks.
Economic Commentary , Issue Nov

Journal Article
Commercial bank holdings of Treasury debt
Whalen, Gary (1984-01)
An analysis of commercial and large-bank Treasury holdings from 1972 to 1982, with a discussion of the effect of cyclical factors on banks' asset preferences.
Economic Commentary , Issue Jan

Journal Article
Performance of Ohio's independent banks
Whalen, Gary (1982-06)
An analysis of independent bank performance from 1979-81 in meeting the challenge posed by economic, regulatory, and technological changes in the commercial banking marketplace.
Economic Commentary , Issue Jun

Journal Article
Operational policies of multibank holding companies
Whalen, Gary (1982-01)
Using a 1979 survey of the organizational structure of 65 bank holding companies in 12 states, the author investigates the relationship between holding company structure and the performance of bank subsidiaries.
Economic Review , Issue Win , Pages 20-31

Working Paper
Holding company interest-rate sensitivity: before and after October 1979
Whalen, Gary (1984)
Since October 1979, market interest-rate movements have been frequent and large. Over the same time period, for a variety of reasons, competition has intensified in both bank loan and deposit markets. These developments have changed the benefits and costs of various types of asset/liability management strategies or alternatively a financial institution's level of interest-rate risk exposure. In this study, the rate-sensitivity postures of a sample of holding companies are examined over the 1977 to 1983 interval to determine whether and how asset/liability management strategies changed after ...
Working Papers (Old Series) , Paper 8408