An analysis of the effects of local market structure on deposit rates, using a sample of depository institutions in Ohio.

A discussion of the changes in the structure of the banking system since the 1970s, with an emphasis on the 1984 recommendations of the Task Group on Regulation of Financial Services.

A discussion of the serious banking problems created by the conflict between market forces and regulation, featuring comments on regulation, deposit insurance, and objectives for financial reform.

An analysis of the changes taking place in the banking industry, with a discussion of four options for reforming the structure of our banking system, and a recommendation for the most effective action.

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.

An examination of nonbanking asset divestitures, with an analysis of financial effects on the holding company, based on a study of 42 voluntary nonbank asset sales.

A discussion of the existing and potential effects of banking deregulation laws and proposals, with emphasis on issues surrounding efforts to weaken restrictions on banks' product decisions imposed by the Glass-Steagall Act of 1933.

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.

A discussion of loan quality at a cross-section of 60 regional bank holding companies located in 12 states, using net charge-offs and non- performing loans as a measure of quality, and examining the linkage between loan quality and bank performance.