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Author:Clair, Robert T. 

Journal Article
Is the southwest lending boom too much of a good thing?

Southwest Economy , Issue Jan , Pages 6-10

Working Paper
Learning from one another: the U.S. and European banking experience

Working Papers , Paper 9108

Journal Article
Performance of eleventh district banks in 1989: progress but not profits

Commercial banks in the Eleventh Federal Reserve District reduced their losses substantially in 1989 but still collectively reported a loss for the year. The improvement primarily resulted from increases in fee income. In addition, Eleventh District banks reduced their nonperforming loans and the costs associated with these loans. Despite the improvement, District banks still have relatively large holdings of nonperforming loans and repossessed real estate. ; Balance sheets of Eleventh District banks show the effects of correcting the problems of low-quality assets. Charging off nonperforming ...
Economic and Financial Policy Review , Issue Sep , Pages 15-24

Working Paper
Daylight overdrafts: who really bears the risk?

Working Papers , Paper 8908

Journal Article
Six causes of the credit crunch

Bank lending typically moves with the business cycle. In Texas from 1987 to 1992, however, bank loans declined while nonagricultural employment rose. Robert T. Clair and Paula Tucker consider this evidence of a constrained supply of bank loans, or credit crunch. ; Clair and Tucker find that multiple factors have reduced banks' willingness and ability to supply loans. The resolution of failed banks and thrifts, tightening of bank examination standards, new capital requirements, new regulations and increased enforcement of old regulations, and increased exposure to lawsuits have each had an ...
Economic and Financial Policy Review , Issue Sep , Pages 1-19

Journal Article
Loan growth and loan quality: some preliminary evidence from Texas banks

Following the failures of depository institutions in the 1980s, many analysts concluded that the rapid growth of lending activity and the deterioration of loan quality were related. Robert T. Clair tests this relationship after separating loan growth by its source: increased lending to new or existing customers, bank mergers, and acquisitions of failed banks. The preliminary evidence suggests that additional lending to new or existing customers beyond what might be normal at a given stage of the business cycle lowers loan quality after a three-year lag. This relationship, based on evidence ...
Economic and Financial Policy Review , Issue Q III , Pages 9-22

Journal Article
Risky business: clearing checks during banking crises

Southwest Economy , Issue Oct , Pages 5-6, 8

Journal Article
The performance of black-owned banks in their primary market areas

Economic and Financial Policy Review , Issue Nov , Pages 11-20

Journal Article
A region-by-region look at U.S. banking

Southwest Economy , Issue May , Pages 5-8

Journal Article
Branch banking in Texas: implications for bank structure

Economic and Financial Policy Review , Issue Sep , Pages 1-12