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Commercial banks and real estate lending: the Texas experience

Eisenbeis, Robert A.; Horvitz, Paul M.; Cole, Rebel A. - Federal Reserve Board (Board of Governors of the … - 1996

This study analyzes the performance of Texas commercial banks specializing in mortgage lending during the late 1980s … concentrating in real estate lending. The results show that Texas real estate banks (REBs) performed very poorly during the 1980s … and early 1990s, but this was because the Texas REBs were clearly different from the majority of the banks classified as …

Persistent link: https://www.econbiz.de/10005394092

The unreliability of credit-to-GDP ratio gaps in real-time: Implications for countercyclical capital buffers

Edge, Rochelle M.; Meisenzahl, Ralf R. - Federal Reserve Board (Board of Governors of the … - 2011

Macroeconomists have long recognized that activity-gap measures are unreliable in real time and that this can present serious difficulties for stabilization policy. This paper investigates whether the credit-to-GDP ratio gap, which has been proposed as a reference point for accumulating...

Persistent link: https://www.econbiz.de/10009292960

Capital ratios and bank lending: a matched bank approach

Carlson, Mark; Shan, Hui; Warusawitharana, Missaka - Federal Reserve Board (Board of Governors of the … - 2011

This paper examines the impact of bank capital ratios on bank lending by comparing differences in loan growth to differences in capital ratios at sets of banks that are matched based on geographic area as well as size and various business characteristics. We argue that such comparisons are most...

Persistent link: https://www.econbiz.de/10009206335

Floating rate loan contracts and monetary policy

VanHoose, David D. - Federal Reserve Board (Board of Governors of the … - 1988

Persistent link: https://www.econbiz.de/10005721015

Bank risk rating of business loans

English, William B.; Nelson, William R. - Federal Reserve Board (Board of Governors of the … - 1998

In recent years many banks have attempted to improve the measurement and management of credit risk by assigning risk ratings to business loans. Virtually all large banks now assign such ratings. However, until recently there has been little information on the use of risk ratings by smaller...

Persistent link: https://www.econbiz.de/10005721031

Small business lending by banks involved in mergers

Walraven, Nicholas - Federal Reserve Board (Board of Governors of the … - 1997

The paper uses data on the volume outstanding of small business loans from the midyear Call Reports to summarize the nature of small business lending at banks that were involved in mergers between June 1993 and June 1996. Then a model of gradual adjustment by the consolidated bank following the...

Persistent link: https://www.econbiz.de/10005721070

Universal banking and the future of small business lending

Berger, Allen N.; Udell, Gregory F. - Federal Reserve Board (Board of Governors of the … - 1995

Persistent link: https://www.econbiz.de/10005721072

Problem loans and cost efficiency in commercial banks

Berger, Allen N.; DeYoung, Robert - Federal Reserve Board (Board of Governors of the … - 1997

This paper addresses a little-examined intersection between the problem-loan literature and the bank-efficiency literature. We employ Granger causality techniques to test four hypotheses regarding the relationships among loan quality, cost efficiency, and bank capital. The data suggest that...

Persistent link: https://www.econbiz.de/10005721086

The cyclical behavior of short term business lending: implications for financial propagation mechanisms

Gertler, Mark; Gilchrist, Simon - Federal Reserve Board (Board of Governors of the … - 1993

Persistent link: https://www.econbiz.de/10005721094

Loan commitments and bank risk exposure

Avery, Robert B.; Berger, Allen N. - Federal Reserve Board (Board of Governors of the … - 1988

Persistent link: https://www.econbiz.de/10005721103