Journal Article
Thrifts and the competitive analysis of bank mergers
Watro, Paul R. (1983-01)
An examination of the competitive importance of thrift institutions in supplying financial services to local commercial customers. Based on empirical findings, a method is presented to adjust the market share of loan associations.
Economic Review , Issue Win , Pages 13-22

Journal Article
Rate deregulation and deposit shifting
Watro, Paul R. (1984-07)
An analysis of deposit holdings of commercial banks and thrifts in the Fourth Federal Reserve District to determine the deposit growth and shifting that resulted from introduction of Super-NOWs and MMDAs.
Economic Commentary , Issue Jul

Journal Article
The bank credit-card boom: some explanations and consequences
Watro, Paul R. (1988-03)
An analysis of the surge in bank credit-card lending and the resulting rise in credit-card losses, which causes some banks to have higher charge-off rates than others because of different loan risks.
Economic Commentary , Issue Mar

Journal Article
Loan-quality differences: evidence from Ohio banks
Watro, Paul R. (1987-01)
A discussion of the deterioration of loan quality and bank earnings, using data from a sample of 84 Ohio banks, and examining the differences between banks with high- and low-quality loans, citing the effects of local economic conditions, lending behavior, and other factors.
Economic Commentary , Issue Jan

Journal Article
Bank holding companies' participation in credit insurance underwriting
Watro, Paul R. (1982-05)
A discussion of the public and corporate benefits associated with credit insurance underwriting by bank holding companies in the Fourth Federal Reserve District, featuring rate reduction guidelines, performance ratios, and earnings comparisons.
Economic Commentary , Issue May

Journal Article
Geographic banking markets
Watro, Paul R. (1983-09)
A discussion of the fundamental differences between banking service and market areas, a review of methods used by regulatory agencies to define geographical markets, and comment on the findings of a 1981 banking-use survey of 528 small Ohio businesses.
Economic Commentary , Issue Sep

Journal Article
How good are corporate earnings?
Watro, Paul R. (1986-05)
A discussion of the difference between reported profits and economic profits, their behavior in expansions, and the role of the capital consumption adjustment in the NIPA statistics in measuring profits.
Economic Commentary , Issue May

Journal Article
How are the ex-ODGF thrifts doing?
Watro, Paul R. (1988-10)
A determination that the savings and loan associations surviving the 1985 Ohio Deposit Guarantee Fund crisis as independent thrifts have performed better than similar-sized Ohio thrifts because they have been able to contain costs, thereby improving their net worth through higher earnings.
Economic Commentary , Issue Oct

Journal Article
Have the characteristics of high-earning banks changed? Evidence from Ohio
Watro, Paul R. (1989-09)
An analysis of the effects of deregulation on the earnings of Ohio banks in the last decade, finding that the top-performing financial institutions earned even higher returns on assets after deregulation, while the earnings of poorly managed banks deteriorated.
Economic Commentary , Issue Sep

Journal Article
Deposit rates and local markets
Watro, Paul R. (1985-02)
An analysis of the effects of local market structure on deposit rates, using a sample of depository institutions in Ohio.
Economic Commentary , Issue Feb