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Journal Article
An imperfect crystal ball
The futures market is not a perfect crystal ball. In some cases, it accurately forecasts what spot prices will be in the future. But not always.
Journal Article
The door is open, but banks are slow to enter insurance and investment arenas
Congress opened the door five years ago for banks to enter the insurance and investment arenas, but the expected rush has yet to occur. That's probably fine with critics, who feared that the return of universal banks would bring back Depression-like instability.
Journal Article
The housing giants in plain view
These government-sponsored enterprises continue to make headlines because of their explosive growth and resulting heavyweight status within the nation's financial system.
Journal Article
Community ties: does "relationship lending" protect small banks when the local economy stumbles?
The cover story examines why small banks aren't usually thrown for a loop when the local economy has a rough ride.
Journal Article
The foreclosure crisis in 2008: predatory lending or household overreaching?
At least early in the financial crisis, the high rate of foreclosures seemed to be due more to households' overreaching than to predatory lending. A disproportionate number of those being foreclosed on were well-educated, well-off and relatively young people.
Journal Article
Down but not out: the future of community banks
Journal Article
"Cedars" deposits: will they fly?
Deposit-hungry community banks are turning to a new funding tool called the Certificate of Deposit Account Registry Service. The service says it can help smaller banks attract more jumbo deposits from local customers.
Journal Article
Drive to efficiency leaves smallest banks behind
With higher overhead costs and lower fee income, small banks are in serious danger of getting lapped by their larger competitors. Can community banks find a way to stay on the track?