Search Results
Journal Article
Is Texas overbanked?
A good way to answer that question is to compare the availability of banking services in Texas withavailability in other parts of the country.
Journal Article
New England banks and the Texas experience
New England banks are currently suffering from problems similar to those that caused the demise of many Texas banks. In both cases, a boom in the real-estate sector was followed by a sharp contraction caused by weakness in the leading sectors of the economy. In both cases, banks had greatly expanded their real-estate lending, and the declining real-estate prices produced substantial loan losses. ; This study suggests, however, that these similarities do not imply that New England will go on to repeat the Texas experience. The author finds that New England does not suffer from construction ...
Journal Article
Regional lending in a world of interstate banking
Conference Paper
Implication of the Texas experience for financial regulation
Journal Article
The Texas banking crisis and the payments system
The Federal Reserve System plays a crucial role in the payments system that is especially important during periods of financial turmoil. In this article, Robert Clair, Joanna Kolson, and Kenneth Robinson explain the process and the risks involved in clearing checks in the private sector. They compare these processes and risks with the essentially risk-free check-clearing service the Federal Reserve System offers. During banking crises, they hypothesize, banks will increase their check-clearing through the Federal Reserve to minimize their risk exposure. A model of Federal Reserve ...
Journal Article
Can low oil prices cripple the Texas banking system?
Working Paper
Risk and failure among newly established Texas banks