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Working Paper
Bank procyclicality, credit crunches, and asymmetric monetary policy effects: a unifying model
Kaufman, George G.; Bliss, Robert R. (2002)
Much concern has recently been expressed that both large, procyclical changes in bank assets and "credit crunches" caused by bank reluctance to expand loans during recessions contribute to economic instability. These effects are difficult to explain using the standard textbook model of deposit expansion in which deposits are constrained only by reserve requirements. However, these effects follow easily if the model is expanded to include a second, capital constraint.
Working Paper Series , Paper WP-02-18

Report
Robust capital regulation
Schuermann, Til; Mehran, Hamid; Acharya, Viral V.; Thakor, Anjan V. (2011)
Banks? leverage choices represent a delicate balancing act. Credit discipline argues for more leverage, while balance-sheet opacity and ease of asset substitution argue for less. Meanwhile, regulatory safety nets promote ex post financial stability, but also create perverse incentives for banks to engage in correlated asset choices and to hold little equity capital. As a way to cope with these distorted incentives, we outline a two-tier capital framework for banks. The first tier is a regular core capital requirement that helps deter excessive risk-taking incentives. The second tier, a novel ...
Staff Reports , Paper 490

Journal Article
Profits and balance sheet developments at U.S. commercial banks in 2004
Natalucci, Fabio M.; Klee, Elizabeth C. (2005-04)
U.S. commercial banks continued to be highly profitable in 2004. Return on assets and return on equity declined moderately, but the economy's continued expansion and supportive financial conditions helped keep bank profits in the elevated range that has prevailed since the mid-1990s. Profits were trimmed a bit by a narrowing of banks' net interest margins as the yield curve flattened and competition put pressure on loan spreads. In addition, gains in non-interest income were less pronounced than in 2003, and non-interest expenses increased. However, the continued improvement in the overall ...
Federal Reserve Bulletin , Volume 91 , Issue Spr

Journal Article
F.Y.I. going off the balance sheet
Murphy, Amelia A.; Johnson, Sylvester (1987-09)
Economic Review , Issue Sep , Pages 23-35

Conference Paper
BIF loss exposure: a simple actuarial approach
French, George E. (1993)
Proceedings , Paper 403

Journal Article
Banking assets and the money supply since 1929
Copeland, Morris A.; Brill, Daniel H. (1948-01)
Federal Reserve Bulletin , Issue Jan , Pages 24-32

Speech
The Federal Reserve's balance sheet: a speech at the Federal Reserve Bank of Richmond 2009 Credit Markets Symposium, Charlotte, North Carolina, April 3, 2009
Bernanke, Ben S. (2009)
Speech , Paper 452

Journal Article
Profits and balance sheet developments at U.S. commercial banks in 2003
Perli, Roberto; Carlson, Mark A. (2004-04)
Amid a strengthening economic expansion, U.S. commercial banks remained highly profitable in 2003. Return on assets reached a record level for the second year in a row, and return on equity was near the top of its recent range. Banks' profits were bolstered by decreased loan-loss provisions as a rising economy and considerable debt refinancing at very low interest rates led to lower delinquency rates on business and household loans. Fees associated with record mortgage refinancing activity and robust corporate bond issuance boosted non-interest income. Increases in non-interest expense were ...
Federal Reserve Bulletin , Volume 90 , Issue Spring

Journal Article
Asset quality and western bank earnings
Zimmerman, Gary C. (1984)
FRBSF Economic Letter

Conference Paper
The deterioration of bank asset quality
Greenbaum, Stuart I.; Thakor, Anjan V.; Chan, Yuk-Shee (1985)
Proceedings , Paper 71

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