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Is the Federal Home Loan Bank system good for banks? a look at evidence on membership, advances and risk
Since the early 1990s, commercial banks have turned to Federal Home Loan Bank (FHLBank) advances to plug the gap between loan and deposit growth. Is this trend worrisome? On the one hand, advances implicitly encourage risk by insulating borrowers from market discipline. On the other, advances give borrowers greater flexibility to managing interest rate and liquidity risk. And access to FHLBank funding encourages members to reshape their balance sheets in ways that could lower credit risk. Using quarterly financial and supervisory data for banks from 1992 to 2000, we assess the effect of ...
The commercial paper market: who's minding the shop?
Commercial paper has become a force to be reckoned with in the U.S. money market. It comes with risks, though, that shouldn't be papered over.
Loan quality in the Eighth District: worth a closer look
Is federal home loan bank funding a risky business for the FDIC?
Easy access to FHLB funds has helped community banks stay afloat in today's competitive markets, but could pose a risk to the FDIC's insurance fund.
Yielding clues about recessions: the yield curve as a forecasting tool
It's been used for years as a predictor of future interest rates, but these days, the yield curve is being used to predict recessions.