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Author:Hannan, Timothy H. 

Journal Article
Recent trends in retail fees and services of depository institutions

Federal Reserve Bulletin , Issue Sep

Conference Paper
Mortgage discrimination and FHA loan performance

Proceedings , Paper 456

Working Paper
Acquisition targets and motives in the banking industry

This paper uses a large sample of individual banking organizations, observed from 1996 to 2003, to investigate the characteristics that made them more likely to be acquired. We use a definition of acquisition that we consider preferable to that used in much of the previous literature, and we employ a competing-risk hazard model that reveals important differences that depend on the type of acquirer. Since interstate acquisitions became more numerous during this period, we also investigate differences in the determinants of acquisition between in-state and out-of-state acquirers. The hypothesis ...
Finance and Economics Discussion Series , Paper 2006-40

Journal Article
The economics of bank security

Business Review , Issue Sep , Pages 3-8

Working Paper
Recent trends in the number and size of bank branches: an examination of likely determinants

In this paper, we examine the role of market characteristics in explaining the much discussed phenomenon of growth in the number of banking institution branches over time, and the much less discussed phenomenon of decline in the size of the average branch. We note first that substitution of bank branches in the US for thrift branches accounts for much of the sharp rise observed for bank branches over time. Using a panel data set that consists of over 2,000 markets observed from 1988 to 2004, we report a number of findings regarding the market characteristics that are associated with the ...
Finance and Economics Discussion Series , Paper 2008-02

Working Paper
Inferring market power from time-series data: the case of the banking firm

Finance and Economics Discussion Series , Paper 147

Working Paper
The price-concentration relationship in banking

Finance and Economics Discussion Series , Paper 23

Working Paper
Will the proposed application of Basel II in the United States encourage increased bank merger activity? evidence from past merger activity

This paper presents two tests of the hypothesis that adoption of the internal ratings-based approach to determining minimum capital requirements, as proposed in applying the Basel II capital accord in the United States, will cause adopting banking organizations to increase acquisition activity. The first test estimates the relationship between excess regulatory capital and subsequent merger activity, including organization and time fixed effects, while the second test employs a "difference in difference" analysis of the change in merger activity that occurred the last time regulatory ...
Finance and Economics Discussion Series , Paper 2004-13

Working Paper
Consumer switching costs and firm pricing: evidence from bank pricing of deposit accounts

This paper employs extensive information on bank deposit rates and county migration patterns to test for pricing relationships implied by the existence of switching costs. While these relationships are derived formally, the intuition for them can be readily stated. Because some areas experience more in-migration than others, banks, in addressing the trade-off between attracting new customers and exploiting old ones, offer higher deposit rates in areas (and at times) experiencing more in-migration. Further, because out-migration implies that on average a locked-in customer will not be with the ...
Finance and Economics Discussion Series , Paper 2008-32

Journal Article
Retail fees of depository institutions, 1997-2001

Since 1990, the Federal Reserve Board has reported annually on changes in the availability of retail banking services and in the level of the associated fees. The most recent report, covering the Board's survey conducted in 2001, was released in June 2002. Information on selected fees for each of the years from 1997 through 2001 is presented in this article. Analysis of the data for the 1997-2001 period shows that for the various types of checking and savings accounts tracked, monthly fees tended to rise by statistically significant amounts, as did the minimum balances that depositors had to ...
Federal Reserve Bulletin , Volume 88 , Issue Sep , Pages 405-413


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