Bank credit, the sum of loans and securities at commercial banks, is widely viewed as providing information about the current and future state of the economy. Analysts have been concerned about the behavior of bank credit during the nation's recovery from the 1990-91 recession. At first,...

During the last couple of years, concern has increased that the exceptionally rapid growth in business loans at commercial banks has been due in large part to excessively easy credit standards. Some analysts argue that competition for loan customers has greatly increased, causing banks to reduce...

During the last several years, concern has increased that changes in the financial system have made it harder for rural banks to attract enough deposits to meet local credit demands. While urban banks may face some of the same problems, it is widely believed that funding pressures have increased...

After stagnating for many years, the rate of new bank formation increased sharply in the second half of the 1990s. The financial press attributes this development to the high volume of bank mergers, which are said to have encouraged new entry by reducing service to some bank customers. It is...

The movement of people into and out of a state can have important implications for the state’s economy. The total net inflow of people to a state matters because it affects the overall supply of workers in the state. Economists predict that growth in the national labor force will slow in...

Immigration from abroad has increased dramatically since the 1960s, as workers from less developed countries have moved to the U.S. in search of higher wages. The new wave of immigration has reignited the debate about the impact of immigration on the economy. One way immigration affects the...