Journal Article
Is the thrift performance gap widening? Evidence from Ohio
Watro, Paul R. (1988-08)
An analysis of differences in earnings of the best- and worst- performing savings and loan associations in Ohio, explaining how differences in revenues, expenses, and costs in the last five years have caused the healthy thrifts to perform better and the sick thrifts to perform worse.
Economic Commentary , Issue Aug

Journal Article
How are the ex-ODGF thrifts doing?
Watro, Paul R. (1988-10)
A determination that the savings and loan associations surviving the 1985 Ohio Deposit Guarantee Fund crisis as independent thrifts have performed better than similar-sized Ohio thrifts because they have been able to contain costs, thereby improving their net worth through higher earnings.
Economic Commentary , Issue Oct

Journal Article
Local thrift competition and bank earnings
Watro, Paul R. (1987-11)
A discussion of how thrift competition affects the earnings of banks, using data from a sample of 314 banks from a 14-state area.
Economic Commentary , Issue Nov

Journal Article
Deposit rates and local markets
Watro, Paul R. (1985-02)
An analysis of the effects of local market structure on deposit rates, using a sample of depository institutions in Ohio.
Economic Commentary , Issue Feb

Journal Article
Rate deregulation and deposit shifting
Watro, Paul R. (1984-07)
An analysis of deposit holdings of commercial banks and thrifts in the Fourth Federal Reserve District to determine the deposit growth and shifting that resulted from introduction of Super-NOWs and MMDAs.
Economic Commentary , Issue Jul

Journal Article
Deregulation and deposit pricing
Watro, Paul R. (1984-04)
A deposit-pricing survey and comparison of 112 depository institutions in the Fourth Federal Reserve District, covering MMDAs, Super-NOWS, and CDs in an examination of the effect of interest-rate deregulation on banks and thrifts.
Economic Commentary , Issue Apr

Journal Article
Bank earnings: comparing the extremes
Watro, Paul R. (1985-11)
An examination of bank profitability in a four-state region and a discussion of institutional, operational, and locational differences between the most profitable and least profitable banks.
Economic Commentary , Issue Nov

Journal Article
Financial services and small businesses
Watro, Paul R. (1982-01)
A survey to determine the source of deposit and credit services to small commercial customers, using a sample of 368 Ohio firms with sales under $10 million.
Economic Commentary , Issue Jan

Journal Article
Loan-quality differences: evidence from Ohio banks
Watro, Paul R. (1987-01)
A discussion of the deterioration of loan quality and bank earnings, using data from a sample of 84 Ohio banks, and examining the differences between banks with high- and low-quality loans, citing the effects of local economic conditions, lending behavior, and other factors.
Economic Commentary , Issue Jan

Journal Article
Geographic banking markets
Watro, Paul R. (1983-09)
A discussion of the fundamental differences between banking service and market areas, a review of methods used by regulatory agencies to define geographical markets, and comment on the findings of a 1981 banking-use survey of 528 small Ohio businesses.
Economic Commentary , Issue Sep