| Title |
Date |
Publication |
Author(s) |
Type |
| The Credit Environment for Business Loans
|
May, 2009 |
|
Saeed Zaman; Kent Cherny; Yuliya Demyanyk; |
Economic Trends |
| Abstract: Some reports have shown evidence of contraction in commercial and industrial (C&I) loans, which could make it difficult for businesses to manage cash flow or finance business expansion. We look at some measures of business lending to analyze supply and demand patterns for these loans. C&I loan volume has fallen, but existing credit lines are being tapped more. Demand for loans has also fallen.
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| Fourth District Bank Holding Companies
|
April, 2009 |
|
Saeed Zaman; Kent Cherny; Joseph G Haubrich; |
Economic Trends |
| Abstract: Annual asset growth of Fourth District BHCs was 3.5 percent last year, down from 2007’s 5.1 percent growth rate. The U.S. commercial banking sector saw a reduction in total assets during the fourth quarter of 2008, as the financial crisis prompted banks to deleverage or slow their rate of asset growth. Nevertheless, total assets nationally and in the Fourth District did grow over the course of 2008.
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| FDIC Funds
|
March, 2009 |
|
Saeed Zaman; Kent Cherny; Joseph G Haubrich; |
Economic Trends |
| Abstract: The FDIC recently released its fourth-quarter banking summary, giving us the opportunity to examine trends in the FDIC-insured banking industry during 2008. It was a rough year for FDIC-insured banks.
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| Fourth District Community Banks
|
December, 2008 |
|
Saeed Zaman; Kent Cherny; Joseph G Haubrich; |
Economic Trends |
| Abstract: There are 238 community banks headquartered in the Fourth District. We look at their annual asset growth, income stream, balance sheet composition, liabilities, problem loans, net charge–offs, and coverage ratio.
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| Business Loan Markets
|
November, 2008 |
|
Saeed Zaman; Joseph G Haubrich; |
Economic Trends |
| Abstract: The Federal Reserve Board’s October 2008 survey of senior loan officers was recently released. It found significant tightening of standards for commercial and industrial loans since the last survey.
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| Fourth District Bank Holding Company Conditions
|
July, 2008 |
|
Saeed Zaman; Joseph G Haubrich; |
Economic Trends |
| Abstract: How are bank holding companies in the Fourth District faring? Here's a first-quarter 2008 update on a number of indicators of conditions in the industry.
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| Business Loan Markets
|
May, 2008 |
|
Saeed Zaman; Joseph G Haubrich; |
Economic Trends |
| Abstract: The Federal Reserve Board’s April 2008 survey of senior loan officers found significant tightening of standards for commercial and industrial loans since the last survey.
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| FDIC Funds
|
May, 2008 |
|
Saeed Zaman; Joseph G Haubrich; |
Economic Trends |
| Abstract: As of December 31, 2007, the FDIC has insured $4.3 trillion of member deposits. Growth in reserves outstripped insured deposits, and the insurance fund’s reserve-to-deposit ratio remains in the mandated target range with the ongoing financial mess—suggests that the Deposit Insurance Fund’s losses might go up in the near future.
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| Fourth District Bank Holding Companies
|
April, 2008 |
|
Saeed Zaman; Joseph G Haubrich; |
Economic Trends |
| Abstract: There are three fewer bank holding companies in the District with assets of more than $1 billion since 1999, but total assets of all of those remaining has increased every year except 2000. Their income streams deteriorated somewhat in 2007, problem real estate loans jumped to their highest level, problem consumer loans edged up slightly, and the risk-based capital ratio fell sharply.
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| Banking Structure
|
February, 2008 |
|
Saeed Zaman; Joseph G Haubrich; |
Economic Trends |
| Abstract: Passage of the 1994 Reigle-Neal Act, which regulates interstate banking, has spurred the consolidation of depository institutions. The number of FDIC-insured commercial banks fell from 10,166 in the middle of 1995 to 7,350 in the middle of 2007, a decline of more than 27 percent. The total number of banking offices, however, increased nearly 28 percent over that period, from 65,321 to 83,358.
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| Business Loan Markets
|
February, 2008 |
|
Saeed Zaman; Joseph G Haubrich; |
Economic Trends |
top |
| Fourth District Community Banks
|
January, 2008 |
|
Saeed Zaman; Joseph G Haubrich; |
Economic Trends |
top |
| Fourth District Community Banks
|
December, 2007 |
|
Saeed Zaman; Ed Nosal; |
Economic Trends |
top |
| Business Loan Markets
|
November, 2007 |
|
Saeed Zaman; Ed Nosal; |
Economic Trends |
top |
| Mortgage Lending
|
November, 2007 |
|
Saeed Zaman; Ed Nosal; |
Economic Trends |
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| Fourth District Bank Holding Companies
|
October, 2007 |
|
Saeed Zaman; Ed Nosal; |
Economic Trends |
| Abstract:
Banking and Financial Institutions
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