The Role of Central Banks in Money and Payments Systems, Journal of Money, Credit and Banking, 31 (August 1999, part 2), 677-681.

Loan Sales: Pacific Rim Trade in Non-Tradable Assets (with J. Haubrich), Advances In International Banking and Finance 3 (1998), Greenwich, CN: JAI Press Inc., 73-98.

The Changing Role of Banks and the Changing Value of Deposit Guarantees (with P. Ritchken and I. Popova), Advances In International Banking and Finance 3 (1998), Greenwich, CN: JAI Press Inc., 1-22.

Optimal Financial Structure and Bank Capital Requirements: An Empirical Investigation (with W.P. Osterberg), Journal of Financial Services Research 10 (December 1996), 315-332.

Loan Sales, Implicit Contracts, and Bank Structure (with J. Haubrich), Review of Quantitative Finance and Accounting 7 (September 1996), 140-162.

Capital Forbearance and Thrifts: Examining the Costs of Regulatory Gambling (with R. DeGennaro), Journal of Financial Services Research 10 (September 1996), 199-211.

Regulatory Taxes, Investment and Financing Decisions for Insured Banks (with A. Li, P. Ritchken, and L. Sankarasubramanian), Advances In International Banking and Finance 2 (1996), Greenwich, CN: JAI Press Inc., 1-30.

Bank Capital Requirements and Optimal Capital Structure for Banks (with W.P. Osterberg), Research in Finance 14 (1996), Greenwich, CN: JAI Press Inc., 87-98.

Anticipating Bailouts: The Incentive-Conflict Model and the Collapse of the Ohio Deposit Guarantee Fund (with R. DeGennaro), Journal of Banking and Finance 19 (November 1995), 1401-1418.

The Asset Flexibility Option and the Valuation of Deposit Insurance (with P. Ritchken, R. DeGennaro, and A. Li), Research in Finance 13 (1995), Greenwich, CN: JAI Press Inc., 219-236.

Underlying Determinants of Closed Bank Resolution Costs (with W.P. Osterberg), Bank Failures: Causes and Consequences and Cures, J. H. Wood and M. S. Lawlor, eds., Norwell, MA: Kluwer Academic Press, 1994, 120-136.

On Flexibility, Capital Structure and Investment Decisions for the Insured Bank (with P. Ritchken, R. DeGennaro, and A. Li), Journal of Banking and Finance 17 (December 1993), 1133-1146.

Troubled Savings and Loan Institutions: Turnaround Strategies Under Insolvency (with R. DeGennaro and L. Lang), Financial Management 22 (Autumn 1993), 163-175.

On the Use of the Statistical Market-Value Accounting Model (SMVAM) in Thrifts (with A. Demirgüc-Kunt), Research in Finance 10 (1992), Greenwich, CN: JAI Press Inc., 239-246.

A Market-Based Approach to Reforming Bank Regulation and Federal Deposit Insurance, Research in Financial Services: Private and Public Policy 4 (1992), Greenwich, CN: JAI Press Inc., 93-109.

Modeling the Bank Regulator's Closure Option: A Two-Step Logit Regression Approach, Journal of Financial Services Research 6 (1992), 5-23.

An Insider's View of the Political Economy of the Too Big to Let Fail Doctrine (with W. Todd), Public Budgeting and Financial Management: An International Journal, 3 (1991), 547-617.

The Effect of Subordinated Debt and Surety Bonds on the Cost of Capital for Banks and on the Value of Federal Deposit Insurance (with W.P. Osterberg), Journal of Banking and Finance 15 (September 1991), 939-953.

Deposit Insurance and the Cost of Capital (with W.P. Osterberg), Research in Finance 8 (1990), Greenwich, CN: JAI Press Inc., 255-270.

Rethinking and Living with the Limits of Bank Regulation (with W. Todd), The Cato Journal 9 (Winter 1990), 579-600.

Errors in Recorded Security Prices and the Turn-of-the-Year Effect, Journal of Financial and Quantitative Analysis 24 (December 1989), 513-526.

The Use of Market Information in Pricing Deposit Insurance, Journal of Money, Credit and Banking 19 (November 1987), 528-537.

Conference Volumes Introduction to What Should Central Banks Do? (with J. Haubrich) Journal of Money, Credit and Banking 32 (August 2000) Pt 2, (forthcoming).

Introduction to Comparative Financial Systems (with J. Haubrich), Journal of Money, Credit and Banking 30 (August 1998) Pt 2, 421-425.

Depositor Preference Legislation and Failed Bank Resolution Costs (with W.P. Osterberg), Proceedings from a Conference on Bank Structure and Competition, Federal Reserve Bank of Chicago (May 1998), 226-246.

Introduction to Derivatives and Intermediation (with J. Haubrich), Journal of Money, Credit and Banking 28 (August 1996) Pt. 2, 421-425.

Introduction to Federal Credit Allocation (with J. Haubrich), Journal of Money, Credit and Banking 26 (August 1994) Pt. 2, 517-522.

Discussion of Objectives of Bank Management, Proceedings from a Conference on Bank Structure and Competition, Federal Reserve Bank of Chicago (May 1994), 468-473.

Capital Requirements and Optimal Bank Portfolios: A Reexamination (with W.P. Osterberg), Proceedings from a Conference on Bank Structure and Competition, Federal Reserve Bank of Chicago (May 1988), 112-127.