Report
Small Banks Squeezed
Klemme, Kelly; Gunther, Jeffery W. (2012)
With consistent loan quality and resilient lending activity, community banks?and the traditional banking model they represent?can be a much-needed force for financial stability. Unfortunately, they?ve struggled to maintain market share, partly as a result of unintended consequences of public policy.
Annual Report

Journal Article
Risks mount for Eleventh District banks amid energy weakness
Skelton, Edward C.; Klemme, Kelly (2016-04)
Relatively low energy prices have slowed economic expansion and diminished prospects for Eleventh District banks. Though regional institutions outperformed their peers nationally in 2015, loan growth slowed and profitability declined, leading to a guarded outlook for 2016.
Southwest Economy , Issue Q2 , Pages 3-7

Journal Article
Banks Face New Challenges as Texas Rebounds from COVID-19 Shock
Chapel, Amy; Killgo, Kory A.; Klemme, Kelly (2021)
The banking industry faced significant challenges from the COVID-19 pandemic in 2020, with profitability declining to levels not seen since the 2008–09 financial crisis. While strong economic growth during 2021 is expected as the economy reopens, some credit deterioration and losses are still possible as fiscal stimulus and national forbearance programs end.
Southwest Economy , Issue Second Quarter

Report
A Lender for Tough Times
Klemme, Kelly; Gunther, Jeffery W. (2012)
Community banks are not only a major source of credit, but also a stable one for businesses. During the recent financial crisis and its aftermath, these smaller, traditional lenders provided credit to many firms, especially small businesses, when they needed it most.
Annual Report

Journal Article
Redlining or red herring?
Robinson, Kenneth J.; Gunther, Jeffery W.; Klemme, Kelly (1999-05)
Southwest Economy , Issue May , Pages 8-13

Journal Article
Bank performance stable but headwinds mounting
Klemme, Kelly (2016)
Financial Insights , Volume 5 , Issue 1 , Pages 1-4

Journal Article
Robust regional banking sector faces new economic hurdles
Skelton, Edward C.; Klemme, Kelly (2015-04)
Profitability held steady at Eleventh District banks in 2014 as they continued outperforming their counterparts nationwide. However, rising interest rates and lower oil prices have emerged as potential tests for the region?s institutions.
Southwest Economy , Issue Q2 , Pages 3-7

Journal Article
Bank profits rebound as loss set-asides ease
Robinson, Kenneth J.; Klemme, Kelly (2011-04)
Banks across the U.S., including the Eleventh Federal Reserve District, appear to be recovering from the financial crisis that began in mid-2007. The news is welcome because a healthy banking sector spurs economic growth by providing financing for businesses to expand investment spending and for consumers to purchase goods and services. ; Data for 2010 show strong profit growth, with banks across the nation rebounding from a net loss in 2009 and those in the Dallas-based Eleventh District almost doubling their profits. There was also good news regarding asset quality: Problem loans are ...
Southwest Economy , Issue Q2 , Pages 10-13

Journal Article
Bank performance strengthens
Klemme, Kelly (2014)
Bank performance, both nationwide and here in the Eleventh Federal Reserve District, has rebounded from the depths of the financial crisis. Data for 2013 show ongoing improvement in profitability, asset quality and loan growth, with banks in the Eleventh District continuing to outperform their counterparts nationwide.
Financial Insights , Volume 3 , Issue 1 , Pages 1-4

Report
Community Banks Withstand the Storm
Klemme, Kelly; Gunther, Jeffery W. (2012)
Community banks, which rely on strong customer relationships and disciplined lending practices, weathered the financial crisis better than large, nontraditional banks. This superior performance suggests that a back-to-basics approach to banking could help the nation realize financial stability that lasts.
Annual Report