Report
Small Banks Squeezed
Klemme, Kelly; Gunther, Jeffery W. (2012)
With consistent loan quality and resilient lending activity, community banks?and the traditional banking model they represent?can be a much-needed force for financial stability. Unfortunately, they?ve struggled to maintain market share, partly as a result of unintended consequences of public policy.
Annual Report

Journal Article
Eleventh District community banks outperform peers despite weaker credit quality
Dunbar, Seth; Klemme, Kelly (2024-12-27)
Eleventh District community banks will likely continue to outperform their nationwide peers in terms of profitability, given their larger share of noninterest-bearing deposits.
Southwest Economy

Journal Article
Redlining or red herring?
Robinson, Kenneth J.; Gunther, Jeffery W.; Klemme, Kelly (1999-05)
Southwest Economy , Issue May , Pages 8-13

Journal Article
Eleventh District Banks Confront Challenging Energy, Rate Situation
Klemme, Kelly; Skelton, Edward C. (2017-04)
Regional banks continue to navigate through the reality of depressed, though stable, energy prices. The institutions? performance slipped behind that of their counterparts nationally in 2016.
Southwest Economy , Issue Q2 , Pages 7-11

Journal Article
Robust regional banking sector faces new economic hurdles
Skelton, Edward C.; Klemme, Kelly (2015-04)
Profitability held steady at Eleventh District banks in 2014 as they continued outperforming their counterparts nationwide. However, rising interest rates and lower oil prices have emerged as potential tests for the region?s institutions.
Southwest Economy , Issue Q2 , Pages 3-7

Journal Article
Bank performance stable but headwinds mounting
Klemme, Kelly (2016)
Financial Insights , Volume 5 , Issue 1 , Pages 1-4

Minority Depository Institutions Have Vital Role Serving Vulnerable Communities
Cetina, Jill; Klemme, Kelly; Perez, Michael (2022-02-01)
Minority depository institutions merit particular attention because of the unique role they play in nurturing economic activity in minority and low- and moderate-income communities.
Dallas Fed Economics

Discussion Paper
The Pandemic's Impact on Credit Risk: Averted or Delayed?
Byun, Sung Je; Game, Aaron L.; Jiron, Alexander; Kapinos, Pavel; Klemme, Kelly; Loudis, Bert (2021-07-30)
The COVID-19 recession resulted in historic unemployment and a significant shock to much of the service sector. Despite these macroeconomic challenges, banks' risk-based capital buffers remain high and the number of bank failures remains low. Government relief programs, including the Coronavirus Aid, Relief, and Economic Security (CARES) Act, both directly and indirectly helped stabilize bank balance sheets during the crisis.
FEDS Notes , Paper 2021-07-30-3

Journal Article
Risks mount for Eleventh District banks amid energy weakness
Skelton, Edward C.; Klemme, Kelly (2016-04)
Relatively low energy prices have slowed economic expansion and diminished prospects for Eleventh District banks. Though regional institutions outperformed their peers nationally in 2015, loan growth slowed and profitability declined, leading to a guarded outlook for 2016.
Southwest Economy , Issue Q2 , Pages 3-7

Journal Article
Bank profits rebound as loss set-asides ease
Robinson, Kenneth J.; Klemme, Kelly (2011-04)
Banks across the U.S., including the Eleventh Federal Reserve District, appear to be recovering from the financial crisis that began in mid-2007. The news is welcome because a healthy banking sector spurs economic growth by providing financing for businesses to expand investment spending and for consumers to purchase goods and services. ; Data for 2010 show strong profit growth, with banks across the nation rebounding from a net loss in 2009 and those in the Dallas-based Eleventh District almost doubling their profits. There was also good news regarding asset quality: Problem loans are ...
Southwest Economy , Issue Q2 , Pages 10-13