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Author:Gilbert, R. Alton 

Working Paper
Scale economies and geographic diversification as forces driving community bank mergers

Mergers of community banks across economic market areas potentially reduce both idiosyncratic and local market risk. Idiosyncratic risk may be reduced because the larger post merger bank has a larger customer base. Negative credit and liquidity shocks from individual customers would have smaller effects on the portfolio of the merged entity than on the individual community banks involved in the merger. Geographic dispersion of banking activities across economic market areas may reduce local market risk because an adverse economic development that is unique to one market area will not affect a ...
Supervisory Policy Analysis Working Papers , Paper 2002-02

Working Paper
Can feedback from the jumbo-CD market improve bank surveillance?

We examine the value of jumbo certificate-of-deposit (CD) signals in bank surveillance. To do so, we first construct proxies for default premiums and deposit runoffs and then rank banks based on these risk proxies. Next, we rank banks based on the output of a logit model typical of the econometric models used in off-site surveillance. Finally, we compare jumbo-CD rankings and surveillance-model rankings as tools for predicting financial distress. Our comparisons include eight out-of-sample test windows during the 1990s. We find that rankings obtained from jumbo-CD data would not have improved ...
Working Papers , Paper 2003-041

Journal Article
The puzzling behavior of business loans in the current recession

Review , Volume 64 , Issue Nov , Pages 3-10

Journal Article
Requiem for Regulation Q: what it did and why it passed away

Review , Issue Feb , Pages 22-37

Working Paper
Federal Reserve lending to troubled banks during the financial crisis, 2007-10

Numerous commentaries have questioned both the legality and appropriateness of Federal Reserve lending to banks during the recent financial crisis. This article addresses two questions motivated by such commentary: 1) Did the Federal Reserve violate either the letter or spirit of the law by lending to undercapitalized banks? 2) Did Federal Reserve credit constitute a large fraction of the deposit liabilities of failed banks during their last year prior to failure? The Federal Deposit Insurance Corporation Improvement Act of 1991 (FDICIA) imposed limits on the number of days that the Federal ...
Working Papers , Paper 2012-006

Journal Article
Banking antitrust: are the assumptions still valid?

In bank antitrust analyses, banking regulators rely on certain assumptions about products and services of banks, the markets in which they operate, competitors within those markets, and the effects of mergers or acquisitions on those markets. During the 1990s, financial innovation and changes in banking regulations changed the landscape in which banks compete. Consequently, the assumptions behind antitrust analyses have come into question. This article surveys recent studies relevant for assessing the validity of the assumptions that underlie banking antitrust. Most of the evidence supports ...
Review , Volume 85 , Issue Nov , Pages 29-52

Journal Article
Payments system risk: what is it and what will happen if we try to reduce it?

Review , Issue Jan

Journal Article
The new system of contemporaneous reserve requirements

Review , Volume 64 , Issue Dec , Pages 3-7

Journal Article
Will the removal of Regulation Q raise mortgage interest rates?

Review , Volume 63 , Issue Dec , Pages 3-12

Journal Article
Disintermediation: an old disorder with a new remedy

Review , Volume 61 , Issue Jan , Pages 10-15


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