Saeed Zaman |

Economic Analyst

Saeed Zaman, Economic Analyst

Saeed Zaman is an economic analyst in the Research Department of the Federal Reserve Bank of Cleveland. He joined the bank in September of 2002. His work focuses on analyzing economic conditions, economic modeling, and developing software applications that support research needs of the department.

Mr. Zaman has a master’s in computer science from the University of Southern California and a bachelor of science in comuter engineering from the GIK Institute of Science and Technology in Topi, Pakistan.

  • Fed Publications
Title Date Publication Author(s) Type
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
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Fourth District Community Banks

 

 January, 2008 Saeed Zaman; Joseph G Haubrich; Economic Trends
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Fourth District Community Banks

 

 December, 2007 Saeed Zaman; Ed Nosal; Economic Trends
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Business Loan Markets

 

 November, 2007 Saeed Zaman; Ed Nosal; Economic Trends
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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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