Journal Article
The Treasury plan for banking reform
Keeton, William R. (1991-05)
Economic Review , Volume 76 , Issue May , Pages 5-24

Journal Article
Banking performance in Tenth District states
Keeton, William R.; Hecht, Katherine M. (1987-07)
Economic Review , Volume 72 , Issue Jul , Pages 3-23

Journal Article
Does faster loan growth lead to higher loan losses?
Keeton, William R. (1999-04)
During the last couple of years, concern has increased that the exceptionally rapid growth in business loans at commercial banks has been due in large part to excessively easy credit standards. Some analysts argue that competition for loan customers has greatly increased, causing banks to reduce loan rates and ease credit standards to obtain new business. Others argue that as the economic expansion has continued and memories of past loan losses have faded, banks have become more willing to take risks. Whichever explanation is correct, the acceleration in loan growth could lead eventually to a ...
Economic Review , Volume 84 , Issue Q II , Pages 57-75

Journal Article
Why do banks' loan losses differ?
Keeton, William R.; Morris, Charles S. (1987-05)
Economic Review , Volume 72 , Issue May , Pages 3-21

Journal Article
Solid performance at Tenth District banks
McKibbin, Anne D.; Keeton, William R. (1997-10)
Commercial banks in Tenth District states performed well in the first half of 1997. Profitability and loan quality remained high, while loans continued to grow at a healthy pace. The only negative was that deposits grew sluggishly, adding to liquidity pressures. Banks in district states slightly outperformed banks nationwide in profitability and loan quality, while matching them in loan growth and deposit growth.
Regional Economic Digest , Issue Q IV , Pages 10-16

Journal Article
The role of community banks in the U.S. economy
Kahn, George A.; Keeton, William R.; Weiner, Stuart E.; Schroeder, Linda (2003-04)
The U.S. banking system is unusual in consisting not only of some very large banks but also a large number of relatively small community banks. This bifurcated banking system in the United States has served the economy well. Over time, with regulatory change and financial innovation, large banks have become complex organizations engaged in a wide range of activities. They provide a variety of services to their customers, but often rely on hard financial information, computer models, and centralized decision-making as the basis for conducting business. In contrast, small banks have focused ...
Economic Review , Issue Q II , Pages 15-43

Working Paper
The cross-market spillover of economic shocks through multi-market banks
Keeton, William R.; Black, Lamont K.; Berrospide, Jose M. (2013)
This paper investigates the mortgage lending of banks operating in multiple U.S. metropolitan areas during the housing market collapse of 2007-2009. Some metro areas in the U.S. suffered much greater mortgage defaults than others. We use this regional variation to identify whether high mortgage delinquencies in some markets affected multi-market banks' mortgage lending in other markets. Our results show that multi-market banks reduced local mortgage lending in response to delinquencies in other markets, consistent with the view that local economic shocks can be transmitted to other regions ...
Finance and Economics Discussion Series , Paper 2013-52

Journal Article
Has multi-market banking changed the response of small business lending to local economic shocks?
Keeton, William R. (2009-01)
The consolidation of the U.S. banking industry has greatly increased the importance of large multi-market banking organizations relative to smaller, single-market banks. An issue that has not received much attention is how multi-market banking has affected the response of local bank lending to local economic shocks. When an area is hit particularly hard by a recession, is bank lending now more likely to decline in the area, exacerbating the downturn? Or is bank lending now more likely to remain unchanged, moderating the downturn? The answer is important to local communities because it affects ...
Economic Review , Volume 94 , Issue Q I , Pages 5-35

Journal Article
Continued strength at Tenth District banks
Koenig, Corey M.; Keeton, William R. (1994-10)
Commercial banks in Tenth District states continued to perform well in the first half of 1994. Profitability leveled off at a high level, asset quality improved, and loan growth accelerated. Based on these performance measures, banks in district states once again outperformed banks in the rest of the nation.
Regional Economic Digest , Issue Q IV , Pages 7-10

Journal Article
Deposit insurance and the deregulation of deposit rates
Keeton, William R. (1984-04)
Economic Review , Volume 69 , Issue Apr , Pages 28-46