The final four years of the 1980s were difficult for banks in the U.S. Between 1986 and 1988 problems in the agricultural and oil sectors led to losses and numerous bank failures. The nation's largest banks suffered losses as income was set aside in 1987 and 1989 to deal with problems in...

Bank profitability as measured by return on assets and return on equity declined in the Fifth Federal Reserve Disntrict in 1987 due largely to increased loan and lease loss provisions. Nationwide the profitability decline was considerably larger because the average loss provision greatly...

Short-term municipal securities are defined by two characteristics. First, they are issued by state and local governments and the special districts and statutory authorities they establish. Second, they either have original maturities of less than three years or have longer final maturities but...

The profitability of commercial banks in the Fifth Federal Reserve District improved in 1985. Return on assets reached .98 percent and return on equity 15.41 percent, well above the average of the past seven years. In comparison, the corresponding figures for all banks in the United States were...

The 1980 enactment of legislation extending authority to offer interest-bearing checking instruments to all depository institutions has brought intensified competition for consumers' transaction balances

1984 was another strong year for Fifth District banks. Average return on assets, though slightly lower than in 1983, was still higher than the national average. This article, by David L. Mengle and John R. Walter, analyzes the factors affecting the profitability of District banks in 1984 to...

The banking industry in the Fifth Federal Reserve District is characterized by both a moderate concentration of assets and a large number of small banks, reflections of the regional and local dimensions of banking in the District

In response to the financial crisis of 2007, Congress created the Orderly Liquidation Authority (OLA) as part of its overarching financial regulatory reform bill, the Dodd-Frank Act. The OLA's provisions are aimed at simultaneously addressing two conflicting goals - mitigating systemic risk,...

This paper examines the history of mREITs and their broader role in the REIT industry. Additionally, it reviews how mREITs operate, how they are regulated, the risks they face, how they manage these risks, and the dangers they pose for the broader financial system

Failure rates of small commercial banks during the banking crisis of the late 1980s were about 7.6%, which is significantly higher than the 5.7% failure rate during the recent crisis. We compare failure rates in the two periods using a statistical model that allows us to decompose the effect of...