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Journal Article
Using financial data to identify changes in bank condition
An empirical study using an early-warning bank failure prediction model and call-report data to predict deterioration in a bank's condition.
Journal Article
The financial distress in American farming
An analysis of the uneven distribution of problem debt among the nation' s farmers, a discussion of the effect of this debt on agricultural banks, and an estimate of the probable impact of farm debt problems on the nation.
Working Paper
Holding company interest-rate sensitivity: before and after October 1979
Since October 1979, market interest-rate movements have been frequent and large. Over the same time period, for a variety of reasons, competition has intensified in both bank loan and deposit markets. These developments have changed the benefits and costs of various types of asset/liability management strategies or alternatively a financial institution's level of interest-rate risk exposure. In this study, the rate-sensitivity postures of a sample of holding companies are examined over the 1977 to 1983 interval to determine whether and how asset/liability management strategies changed after ...
Working Paper
Rival stock price reactions to large BHC acquisition announcements: evidence of linked oligopoly
An examination of whether multimarket contacts among geographically diversified bank holding companies adversely affect competition.
Working Paper
Multibank holding company organizational structure and performance
A study of how quantitative measures of the organizational centralization of 62 multibank holding companies relate to holding company profitability.
Journal Article
A proportional hazards model of bank failure: an examination of its usefulness as an early warning tool
An explanation of how a Cox proportional hazards model can be used to identify both failed and healthy banks with a high degree of accuracy using a relatively small set of publicly available data.
Journal Article
Concentration and profitability in non-MSA banking markets
An examination of the relationship between bank profitability and concentration using recent data from a sample of institutions drawn from non-metropolitan statistical area counties in Ohio and Pennsylvania.
Journal Article
Competition and bank profitability: recent evidence
A discussion of the traditional structure-performance theory and the contestable market theory as they pertain to competition and bank profitability in the banking industry. The author uses data from a sample of Ohio and Pennsylvania banks.
Journal Article
Commercial bank holdings of Treasury debt
An analysis of commercial and large-bank Treasury holdings from 1972 to 1982, with a discussion of the effect of cyclical factors on banks' asset preferences.
Conference Paper
The relationship between organizational form and performance: the case of foreign securities subsidiaries of U.S. banking organizations
Debate about the effects of permitting U.S. commercial banks to expand their range of activities has intensified in recent years. Some observers worry that banks with access to a federal safety net have strong incentives to use new opportunities to take greater risks and increase their likelihood of failure at possible cost to the FDIC and taxpayers. Others fear that the safety net might give banks a competitive advantage relative to nonbank rivals. A key element of this debate is whether a holding company structure does a significantly better job of mitigating these potential problems than ...