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Economic Commentary
09.01.1989 |
EC 9/1/1989
Regulatory and technological changes in the banking industry have had a pronounced effect on bank operations in the last decade.
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Economic Commentary
10.01.1988 |
EC 10/1/1988
The thrifts that have survived the 1985 ODGF crisis as independent depository institutions have performed better than similar-sized thrifts in Ohio because they have been able to hold down costs and improve their net worth through higher earnings.
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Economic Commentary
08.15.1988 |
EC 8/15/1988
In examining thrift performance, the author discusses the differences in the earnings of the best and worst thrifts in Ohio and shows that the healthy thrifts are getting better and the sick thrifts are getting worse.
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Economic Commentary
03.01.1988 |
EC 3/1/1988
What is behind the surge in credit card lending and the sharp rise in credit-card charge-off rates at banks?
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Economic Commentary
11.01.1987 |
EC 11/1/1987
Economic and legislative changes have clearly eroded differences between commercial banks and thrift institutions.
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Economic Commentary
01.01.1987 |
EC 1/1/1987
Bank earnings nationwide, as measured by return on assets, have been falling in the 1980s.
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Economic Commentary
05.15.1986 |
EC 5/15/1986
Recent corporate profits from current production could be viewed as weak or strong, depending on how they are measured.
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Economic Commentary
11.15.1985 |
EC 11/15/1985
Much concern has been expressed in financial circles about bank earnings, credit and interest-rate risks, and bank failures over the last few years.
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Economic Commentary
02.15.1985 |
EC 2/15/1985
Commercial banks and thrift institutions have always competed aggressively for deposits, but in today’s market they must increasingly rely on rate competition to attract depositors.
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Economic Commentary
07.16.1984 |
EC 7/16/1984
The deregulation of interest rates has provided increasing opportunities and choices for depository institutions and for individuals.
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Economic Commentary
04.23.1984 |
EC 4/23/1984
The deregulation of interest rates on federally insured deposits has snowballed over the past several years.
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Economic Commentary
01.30.1984 |
EC 1/30/1984
The soundness of commercial banks is a primary concern of banking regulators, investors, depositors, and the public at large. The number of financially troubled banks in the United States has increased significantly over the past two years.
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Economic Commentary
09.12.1983 |
EC 9/12/1983
Various U.S. regulatory agencies are responsible for preventing bank mergers and acquisitions that would have substantially negative effects on banking competition.
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Economic Commentary
05.03.1982 |
EC 5/3/1982
Banking organizations have responded to the growing demand for financial services by expanding the number of services that they offer.
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Economic Commentary
01.11.1982 |
EC 1/11/1982
An important user of financial services is a group of customers known as small businesses.
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Economic Commentary
08.10.1981 |
EC 8/10/1981
Competition among depository institutions has intensified since January 1, 1981, when commercial banks, savings and loan associations, and mutual savings banks were authorized to offer negotiable order of withdrawal (NOW) accounts nationwide.
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Economic Commentary
12.01.1980 |
EC 12/1/1980
The Bank Merger Act and Bank Holding Company Act require regulatory agencies to assess the competitive impact of a proposed merger or acquisition of a bank or a bank holding company.
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Economic Commentary
07.14.1980 |
EC 7/14/1980
Technological, regulatory, and economic changes each have contributed to more intense competition between thrift institutions and commercial banks.
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Economic Commentary
05.19.1980 |
EC 5/19/1980
Regulatory changes and financial innovations in recent years have fostered increased competition within the banking industry and, indeed, among all financial institutions.
