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Keywords:bank loans OR Bank loans 

Journal Article
Does faster loan growth lead to higher loan losses?

During the last couple of years, concern has increased that the exceptionally rapid growth in business loans at commercial banks has been due in large part to excessively easy credit standards. Some analysts argue that competition for loan customers has greatly increased, causing banks to reduce loan rates and ease credit standards to obtain new business. Others argue that as the economic expansion has continued and memories of past loan losses have faded, banks have become more willing to take risks. Whichever explanation is correct, the acceleration in loan growth could lead eventually to a ...
Economic Review , Volume 84 , Issue Q II , Pages 57-75

Journal Article
Financial stress in the oil patch: recent experience at energy banks

Economic Review , Volume 72 , Issue Jun , Pages 9-23

Journal Article
Loan lending magic

New technology revolutionizes the loan process as automatic loan machines spark the interest of the banking community.
Cross Sections , Volume 13 , Issue Win , Pages 12-15

Journal Article
Government securities investments of commercial banks

Government securities holdings at U.S. commercial banks have risen rapidly since 1990. The author contrasts the recent rise with increases observed during and after earlier recessions and evaluates possible explanations for the buildup. In addition, he presents a rough estimate of the interest exposure created solely by the securities acquisitions and compares it with estimates for earlier periods when commercial banks also added U.S. securities to their portfolios at a fast rate.
Quarterly Review , Volume 18 , Issue Sum , Pages 39-53

Conference Paper
The effect of a banking crisis on bank-dependent borrowers

How does the banking sector?s financial health affect bank-dependent borrowers? performance? We use the exogenous shock to U.S. banking system during the Russian crisis of Fall 1998 as a natural experiment to separate the effect of borrower?s demand of credit from the bank?s ability to supply credit and estimate the effect of U.S. bank?s financial health on the U.S. borrower?s stock-market performance. In an event window of 16 days starting with the Russian sovereign-debt default and ending with the flight of capital from Brazil, a period characterized with significant adverse shocks to the ...
Proceedings , Paper 1030

Conference Paper
The determinants of corporate loan liquidity

Proceedings , Paper 617

Journal Article
Problem business loans rise at large banks

Monetary Trends , Issue Nov

Journal Article
The 2007 HMDA data

Federal Reserve Bulletin , Volume 94 , Issue Dec , Pages A107-A146

Working Paper
Trade Uncertainty and U.S. Bank Lending

This paper uses U.S. credit register data and the 2018–19 Trade War to study the effects of uncertainty on domestic credit supply. Exploiting differences in banks' ex-ante exposure to trade uncertainty, we find that increased uncertainty is associated with a broad lending contraction across their customer firms. This result is consistent with banks responding to uncertainty with wait-and-see behaviors, where more exposed banks curtail risky exposures, reduce loan maturities, and adjust loan supply along both intensive and extensive margins. The lending contraction is larger for more ...
FRB Atlanta Working Paper , Paper 2024-16

Working Paper
Community banks as small business lenders: the tough road ahead

This paper investigates the performance of community banks as small business (relationship) lenders. Theory suggests that competition reduces the benefits of bank?borrower relationships, making small business loans more risky and less profitable. In support of this theory, the evidence indicates that community banks? performance deteriorates with increasing small business lending. Policies that encourage community banks to engage in more aggressive small business lending may lessen the soundness of these institutions.
Working Papers (Old Series) , Paper 0203

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