Fixing FDICIA: a plan to address the too-big-to-fail problem
1997 Annual Report Essay
Is the loan-to-deposit ratio still relevant?
Macrostability ratings: a preliminary proposal
Focusing supervisory attention by assessing the spillover potential of financial institutions
Quantifying the costs of additional regulation on community banks
In this Economic Policy Paper, we quantify the cost of increased regulation on community banks. We do so by modeling the impact of new regulatory costs as the hiring of additional staff, resulting in higher total compensation and lower profitability. We then analyze the changes in the distribution of community bank profitability.
Assessing Community Bank Consolidation
Observers argue that increased regulation and supervision added in response to the financial crisis will speed the decline of community banks. Determining if the rate of community bank consolidation is higher than it would have been absent this additional regulation requires a baseline estimate of community bank consolidation. A baseline estimate is particularly important because the number of community banks in the states of the Ninth Federal Reserve District and the nation as a whole has been in a steady rate of decline for several decades. This paper uses several simple methods to provide ...
Are banking supervisory data useful for macroeconomic forecasts?
Why all concerns about subprime lending are not created equal