Journal Article
Profits and balance sheet developments at U.S. commercial banks in 2006
Carlson, Mark A.; Weinbach, Gretchen C. (2007-07)
The U.S. commercial banking industry continued to be quite profitable in 2006, and industry assets grew considerably. The strength in profitability and growth of bank balance sheets last year reflected favorable U.S. financial market conditions and the generally solid economic expansion. Industry return on equity advanced from its 2005 level, and the return on assets edged up to match its highest annual level in recent decades. Profitability was supported by brisk growth in non-interest income and generally strong asset quality; the flattening of the yield curve and competitive pressures, ...
Federal Reserve Bulletin , Volume 93 , Issue Jul

Journal Article
Nonbank thrift institutions in 1977 and 1978
Atkinson, Sherry S. (1978-12)
Federal Reserve Bulletin , Issue Dec

Working Paper
Market structure and competition among retail depository institutions
Mazzeo, Michael; Cohen, Andrew M. (2004)
We assess the competitive impact that single-market banks and thrift institutions have on multi-market banks (and vice-versa) in 1,884 non- MSA markets. We estimate a model of equilibrium market structure which endogenizes entry for three types: multi-market banks, single-market banks, and thrift institutions. Observed market structures and the solution to an entry-type game identify the parameters of a latent (unobserved) profit function. We find significant evidence of product differentiation-- particularly in the case of thrifts. Furthermore, product differentiation appears to depend upon ...
Finance and Economics Discussion Series , Paper 2004-04

Speech
Condition of the U.S. banking system: testimony before the Committee on Banking, Housing, and Urban Affairs, U.S. Senate, March 4, 2008
Kohn, Donald L. (2008)
Speech , Paper 364

Speech
Industrial loan companies: testimony before the Committee on Banking, Housing, and Urban Affairs, U.S. Senate, October 4, 2007
Alvarez, Scott G. (2007)
Speech , Paper 315

Journal Article
Profitability of insured commercial banks
Opper, Barbara Negri (1982-08)
Federal Reserve Bulletin , Issue Aug

Journal Article
On the size distribution of banks
Ennis, Huberto M. (2001-10)
Economic Quarterly , Issue Fall , Pages 1-25

Journal Article
Atlanta Fed hosts conference on access to banking in the Americas
anonymous (2009)
The Americas Center of the Atlanta Fed recently held a conference in Miami to spur dialogue and collaboration among institutions and nonprofit groups that want to bring more people into the mainstream banking system.
Financial Update , Volume 22 , Issue 2

Speech
The evolution of central banking in the United States : a speech at a European Central Bank Colloquium in Honor of Tommaso Padoa-Schioppa, The European Central Bank, Frankfurt, Germany, April 27, 2005
Ferguson, Roger W. (2005)
Speech , Paper 105

Newsletter
The mixing of banking and commerce: a conference summary
Evanoff, Douglas D.; Darwish, Nisreen (2007-11)
Acquisitions of industrial loan corporations by commercial firms have renewed the debate over the separation between banking and commerce in the U.S. On May 16?18, 2007, policymakers and academics weighed in on this debate during the Chicago Fed?s 43rd annual Conference on Bank Structure and Competition, titled The Mixing of Banking and Commerce.
Chicago Fed Letter , Issue Nov