A discussion of how thrift competition affects the earnings of banks, using data from a sample of 314 banks from a 14-state area.

An analysis of independent bank performance from 1979-81 in meeting the challenge posed by economic, regulatory, and technological changes in the commercial banking marketplace.

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 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.

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 call for lending institutions to reconsider the problems associated with improving credit access in our inner cities, addressing not only the elimination of lending discrimination, but also the importance of enacting public policies that foster economic development and a strong banking...

Since 1990, when commercial banks were first eligible to join the Federal Home Loan Bank System, they have become an important constituency of the FHLBs. Currently, seven out of 10 banks are members, and nearly half of all banks have advances outstanding. Given the wide range of activities that...

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.

An examination of the continuing strength of the loan sales market, documenting its growth during the latter half of the 1980s, its subsequent downturn in the early 1990s, the effect of merger and acquisition activity, and the impact of the 1990-91 recession, plus a discussion of how these...

An examination of the extent to which savings and loan associations in Ohio have chosen to exercise their expanded commercial lending powers in the 1980s, and an investigation of the impacts of this decision on their performance.