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Journal Article
Follow regional agricultural financial conditions with new quarterly survey
The St. Louis Fed?s Agricultural Finance Monitor quarterly reports on regional agricultural financial conditions, as well as bankers? expectations of farmland values, farm loan repayment rates, required collateral, farm loan interest rates and credit supply and demand.
Journal Article
Are District and U.S. banks on the mend?
Journal Article
Underwriting on subprime mortgages: what really happened?
How did poor underwriting bring about the collapse of the subprime mortgage market? More importantly, how would subprime mortgages perform if underwriting standards did not deteriorate?
Journal Article
Kentucky’s economy lags behind typical states’
Journal Article
In-depth: can FASB get loan loss accounting just right?
The Financial Accounting Standards Board (FASB) recently released a proposal that would change the way financial institutions set aside funds to cover losses on loans, debt securities and other assets. Under current accounting rules, the allowance for loan and lease losses is based on incurred losses; the new model, if adopted, would require the allowance to be established for losses expected over the life of the loan based on current and future economic conditions, historical losses, and other factors.
Journal Article
Quarterly report: earnings and asset quality trending up in district, nation
Two ?Dialogue with the Fed? public events?one in English and one in Spanish?explored the reasons behind Europe?s sovereign debt crisis and what the implications may be for the United States.
Journal Article
Central view: on the \\"too big to fail\\" debate: implications of the Dodd-Frank Act
It is common knowledge that the banking industry has become increasingly consolidated over the past 25 years. In 1990, prior to a number of banking law changes, the nation housed around 12,500 charters. Today, there are roughly 6,000 charters, with consolidated assets of the top 10 U.S. banking firms representing approximately 64 percent of U.S. banking assets. Without question, operations of these large firms magnified the financial crisis, emphasizing their systemic importance. The resulting landmark legislation?the Dodd-Frank Act?is intended to reduce systemic risk and, ultimately, end ...
Journal Article
In-depth: will money market mutual funds get an extreme makeover?
Money market mutual funds (MMMFs) were subject to some modest regulatory changes in 2010, but many observers argue that the industry is in need of a more substantial overhaul. The $2.9 trillion MMMF industry is objecting, pointing out that the effects of the 2010 reform should be thoroughly examined before further changes are adopted and that radical changes would threaten the industry?s survival.