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Keywords:Banks and banking - Texas 

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 ...
New England Economic Review , Issue Sep , Pages 55-62

Conference Paper
Implication of the Texas experience for financial regulation

Proceedings , Paper 242

Conference Paper
Empirically assessing the role of moral hazard in increasing the risk exposure of Texas banks

Proceedings , Paper 317

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 ...
Economic and Financial Policy Review , Issue Q I , Pages 13-21

Working Paper
Bank credit and economic activity: evidence from the Texas banking decline

Financial Industry Studies Working Paper , Paper 91-5

Working Paper
Empirically assessing the role of moral hazard in increasing the risk exposure of Texas banks

Financial Industry Studies Working Paper , Paper 90-4

Working Paper
Risk and failure among newly established Texas banks

Financial Industry Studies Working Paper , Paper 90-6

Working Paper
Deposit insurance reform in the post-FIRREA environment: lessons from the Texas deposit market

Financial Industry Studies Working Paper , Paper 90-7

Working Paper
Moral hazard and Texas banking in the 1920s.

Using recently collected examination data from a sample of Texas state-chartered banks over the period 1919-26, the role of moral hazard in increasing ex-ante asset risk is analyzed. During this period, a state-run deposit insurance system was in place that was mandatory for all state-chartered banks in Texas. Nationally chartered banks were not allowed to participate in the insurance program. Analyzing individual bank-level data, we find evidence that declines in capitalization were positively correlated with increases in loan concentrations at insured banks. We argue that this is consistent ...
Financial Industry Studies Working Paper , Paper 96-1

Journal Article
Is the southwest lending boom too much of a good thing?

Southwest Economy , Issue Jan , Pages 6-10

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