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Author:Johnston, Ryan 

Journal Article
Banking Policy Review: Did Dodd–Frank End 'Too Big to Fail'?

Postcrisis bank reform was intended to end market perceptions that if a big bank fails, the government will have no choice but to bail it out. Ryan Johnston examines the evidence from recent studies.
Economic Insights , Volume 1 , Issue 4 , Pages 16-20

Journal Article
Banking Trends: The Growing Role of CRE Lending

Commercial real estate has grown dramatically as a share of U.S. economic activity and is banks? largest lending category, particularly for small and midsize banks. It is also the riskiest part of bank portfolios. James DiSalvo and Ryan Johnston provide a primer. First in a series.
Economic Insights , Volume 1 , Issue 3 , Pages 15-21

Journal Article
Banking trends: how Dodd–Frank affects small bank costs

Do stricter regulations enacted since the financial crisis pose a significant burden?
Economic Insights , Volume 1 , Issue 1 , Pages 14-18

Journal Article
The Rise in Loan-to-Deposit Ratios: Is 80 the New 60?

Liquidity ratios at small banks have climbed in recent decades. Why has this happened? Should regulators be concerned? A traditional signal that a bank may not have enough liquid assets to cover a sudden loss of funding has increased dramatically at small banks in recent decades. Small banks? median ratio of the value of their loans outstanding to the value of their deposits has risen from around 60 percent in the second half of the 1980s to around 80 percent today. Meanwhile, the same measure of liquidity has increased about 5 percentage points at large banks. How can we explain this big ...
Economic Insights , Volume 2 , Issue 3 , Pages 18-23

Journal Article
BANKING TRENDS: Credit Unions’ Expanding Footprint

Is there any evidence new rules could cause small banks to lose market share to credit unions? One of the main banking stories of the past 25 years has been the dramatic growth of large banks. Less well known is that credit unions have been expanding their market share during this time, too, especially after membership criteria were relaxed in 1998. While credit unions have been increasing their market share, small banks? market share has declined. And now, legal changes that took effect in January 2017 expanded credit unions? capacity to make loans to commercial customers, raising further ...
Economic Insights , Volume 2 , Issue 1 , Pages 17-25

Journal Article
Banking Trends: Skin in the Game in the CMBS Market

Issuers of commercial mortgage-backed securities must now retain a portion on their own books. What evidence is there that the rule will reduce risky lending?
Economic Insights , Volume 3 , Issue 1 , Pages 11-17

Journal Article
Banking Policy Review: Did Dodd–Frank End ‘Too Big to Fail’?

Postcrisis bank reform was intended to end market perceptions that if a big bank fails, the government will have no choice but to bail it out. Ryan Johnston examines the evidence from recent studies.
Banking Policy Review , Issue Q4 , Pages 16-20

Journal Article
How Our Region Differs

The banking industry has undergone a sea change in the last 30 years. Regulatory changes and technological advances have led to dramatic increases in the size and market share of large banks, while banks have shifted their activities notably away from commercial lending toward real estate lending. While these broad trends are true of banks in the Third District served by the Federal Reserve Bank of Philadelphia, our regional banking market also differs in some interesting ways. Our small regional banks are larger and concentrate much more heavily on residential real estate lending and less on ...
Banking Trends , Issue Q3 , Pages 16-22

Journal Article
Banking Trends: The Growing Role of CRE Lending

Commercial real estate has grown dramatically as a share of U.S. economic activity and is banks? largest lending category, particularly for small and midsize banks. It is also the riskiest part of bank portfolios. James DiSalvo and Ryan Johnston provide a primer. First in a series.
Banking Trends , Issue Q3 , Pages 15-21

Journal Article
How Dodd–Frank affects small bank costs

Do stricter regulations enacted since the financial crisis pose a significant burden?
Banking Trends , Issue Q1 , Pages 1-6

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