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Series:Central Banker  Bank:Federal Reserve Bank of St. Louis 

Journal Article
Community bank lending during the financial crisis

The total volume of loans held by community banks peaked in 2008 and dropped during the financial crisis and Great Recession. Total loans bottomed out in 2011 and, as of December 2012, have only recovered to a level roughly 10 percent below their 2008 peak. During this period, both demand and supply factors undoubtedly played roles in the change in bank lending.
Central Banker , Issue Spring

Journal Article
Agriculture Boom Continued 2013

U.S. agriculture has been booming in recent years with record farm incomes and double-digit percentage increases in cropland prices. However, farm income projections suggest a flattening, if not a reversal, of these trends. 2013 may prove to be a peak year, as analysts expect the agriculture sector to experience lower commodity prices, normal crop production and lower farm income over the next several years.
Central Banker , Issue Winter

Journal Article
The changing landscape of community banking

The demise of the community bank business model has been prognosticated by many, especially with the recent financial crisis. But what do the numbers suggest for the future?
Central Banker , Issue Fall

Journal Article
Trends in OREO: community banks still have a long way to go

Since the third quarter of 2011, OREO levels at community banks in the District and nationwide have declined. However, the current volume of these properties is much higher than what it was before the start of the financial crisis, indicating that such banks have a long way to go before OREO levels return to what they were before the financial crisis.
Central Banker , Issue Winter

Journal Article
Innovation can spark low-income markets

Central Banker , Issue Spring

Journal Article
Community banking in the 21st century

Central Banker , Issue Fall

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 ...
Central Banker , Issue Summer

Journal Article
Central View: Opportunities Are Present among Uncertainty

Julie Stackhouse, senior vice president of banking supervision, points out that while there has been great progress by community banks since the end of the banking crisis, the news is still mixed. Earnings have rebounded, but pressure on net interest margins remains a concern. Still, there is a role for well-managed banks. Those banks planning for the challenges will be best positioned to survive them.
Central Banker , Issue Winter

Journal Article
In-depth: is the end near for the popular transaction account guarantee program?

The Dodd-Frank superseded and extended the coverage of the FDIC?s popular TAG program, which is set to expire on Dec. 31, 2012. Opinions are divided among numerous bankers, banking organizations, lawmakers and others on whether TAG should continue or terminate.
Central Banker , Issue Summer

Journal Article
Most community banks will pay lower premiums under FDIC assessment rules

Find out why community banks will benefit from the new FDIC assessment base as called for under the Dodd-Frank Act.
Central Banker , Issue Summer

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