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Details about William Robert Emmons

E-mail:
Workplace:Center for Household Financial Stability, Federal Reserve Bank of St. Louis, (more information at EDIRC)
Federal Reserve Bank of St. Louis, (more information at EDIRC)

Access statistics for papers by William Robert Emmons.

Last updated 2019-01-24. Update your information in the RePEc Author Service.

Short-id: pem7


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Working Papers

2006

  1. Relationship loans and regulatory capital: why fair-value accounting is inappropriate for bank loans
    Supervisory Policy Analysis Working Papers, Federal Reserve Bank of St. Louis

2005

  1. Consumer-finance myths and other obstacles to financial literacy
    Supervisory Policy Analysis Working Papers, Federal Reserve Bank of St. Louis View citations (4)

2004

  1. Executive compensation at Fannie Mae and Freddie Mac
    Supervisory Policy Analysis Working Papers, Federal Reserve Bank of St. Louis View citations (1)
  2. Monetary policy actions and the incentive to invest
    Supervisory Policy Analysis Working Papers, Federal Reserve Bank of St. Louis View citations (6)
    Also in Working Papers, Federal Reserve Bank of St. Louis (2004) Downloads View citations (6)
  3. When for-profits and not-for-profits compete: theory and empirical evidence from retail banking
    Working Papers, Federal Reserve Bank of St. Louis Downloads
    Also in Supervisory Policy Analysis Working Papers, Federal Reserve Bank of St. Louis (2004) View citations (1)

2002

  1. Banks vs. credit unions: dynamic competition in local markets
    Supervisory Policy Analysis Working Papers, Federal Reserve Bank of St. Louis
    Also in Working Papers, Federal Reserve Bank of St. Louis (2000) Downloads View citations (3)
  2. Cracks in the facade: American economic and financial structures after the boom
    Working Papers, Federal Reserve Bank of St. Louis Downloads
    See also Chapter (2003)
  3. Scale economies and geographic diversification as forces driving community bank mergers
    Supervisory Policy Analysis Working Papers, Federal Reserve Bank of St. Louis View citations (2)
  4. The impact of alternative bank monitoring policies on corporate investment and financing decisions
    Supervisory Policy Analysis Working Papers, Federal Reserve Bank of St. Louis

2001

  1. Corporate governance, entrenched labor, and economic growth
    Working Papers, Federal Reserve Bank of St. Louis Downloads View citations (1)
  2. The importance of scale economies and geographic diversification in community bank mergers
    Working Papers, Federal Reserve Bank of St. Louis Downloads View citations (5)
  3. Who pays for credit cards?
    Occasional Paper; Emerging Payments, Federal Reserve Bank of Chicago View citations (28)

2000

  1. Pricing and dividend policies in open credit cooperatives
    Working Papers, Federal Reserve Bank of St. Louis Downloads
    See also Journal Article in Journal of Institutional and Theoretical Economics (JITE) (2002)

1999

  1. Corporate governance and corporate performance
    Working Papers, Federal Reserve Bank of St. Louis Downloads View citations (4)

1998

  1. Credit unions and the common bond
    CFS Working Paper Series, Center for Financial Studies (CFS) Downloads View citations (7)
    See also Journal Article in Review (1999)
  2. Universal banking, allocation of control rights, and corporate finance in Germany
    Working Papers, Federal Reserve Bank of St. Louis Downloads View citations (10)

1997

  1. Conflict of interest between borrowers and lenders in credit co- operatives: the case of German co-operative banks
    Working Papers, Federal Reserve Bank of St. Louis Downloads View citations (16)

1995

  1. Interbank netting agreement and the distribution of bank default risk
    Working Papers, Federal Reserve Bank of St. Louis Downloads View citations (11)

1993

  1. Increased risk-taking versus local economic conditions as causes of bank failures
    Proceedings, Federal Reserve Bank of Chicago View citations (5)

Journal Articles

2020

  1. Responses of International Central Banks to the COVID-19 Crisis
    Review, 2020, 102, (4), 338-384 Downloads

2019

  1. First-Generation College Graduates Get a Financial Boost, but Don’t Catch Up
    In the Balance, 2019, (25), 1-8 Downloads
  2. Is College Still Worth It? The New Calculus of Falling Returns
    Review, 2019, 101, (4), 297-329 Downloads View citations (1)

2017

  1. College Inadvertently Increases Racial and Ethnic Disparity in Income and Wealth
    In the Balance, 2017, (16), 1-3
  2. College Is Not Enough: Higher Education Does Not Eliminate Racial and Ethnic Wealth Gaps
    Review, 2017, 99, (1) Downloads View citations (5)
  3. Does College Level the Playing Field?
    Bridges, 2017, (Spring) Downloads
  4. Household Wealth is at a Post-WWII High: Should We Celebrate or Worry?
    In the Balance, 2017, (17), 1-3 Downloads

2016

  1. Choosing to Fail or Lack of Choice? The Demographics of Loan Delinquency
    In the Balance, 2016, (15), 1-3 Downloads View citations (1)
  2. The Demographics of Wealth - How Age, Education and Race Separate Thrivers from Strugglers in Today's Economy. Essay No. 3: Age, Birth Year and Wealth
    Demographics of Wealth, 2016, (3), 1-28 Downloads
  3. Unequal Degrees of Affluence: Racial and Ethnic Wealth Differences across Education Levels
    The Regional Economist, 2016, (October) Downloads

2015

  1. A Balance Sheet Perspective on Financial Success: Why Starting Early Matters
    Journal of Consumer Affairs, 2015, 49, (1), 267-298 Downloads View citations (1)
  2. The Demographics of Wealth - How Age, Education and Race Separate Thrivers from Strugglers in Today's Economy. Essay No. 1: Race, Ethnicity and Wealth
    Demographics of Wealth, 2015, (1), 1-24 Downloads View citations (1)
  3. The Demographics of Wealth - How Age, Education and Race Separate Thrivers from Strugglers in Today's Economy. Essay No. 2: The Role of Education
    Demographics of Wealth, 2015, (2), 1-28 Downloads View citations (4)
  4. The Importance of Wealth is Growing
    In the Balance, 2015, (13), 1-3 Downloads View citations (1)
  5. The Middle Class May Be Under More Pressure Than You Think
    In the Balance, 2015, (11), 1-4 Downloads View citations (1)
  6. Why Didn't Higher Education Protect Hispanic and Black Wealth?
    In the Balance, 2015, (12), 1-3 Downloads View citations (1)

2014

  1. Asset Diversification and Low Debt Are the Keys to Building and Maintaining Wealth
    Cascade, 2014, 1
  2. Despite aggressive deleveraging, generation X remains \\"generation debt\\"
    In the Balance, 2014, (9), 1-3 Downloads
  3. Five Simple Questions That Reveal Your Financial Health and Wealth
    In the Balance, 2014, (10), 1-3 Downloads View citations (4)
  4. Hispanic population's share of wealth likely to increase by 2025
    In the Balance, 2014, (8), 1-4 Downloads
  5. Housing crash continues to overshadow young families' balance sheets
    In the Balance, 2014, (7), 1-6 Downloads View citations (2)

2013

  1. Economic vulnerability and financial fragility
    Review, 2013, (Sep), 361-388 Downloads View citations (5)
  2. Housing rebound broadens the wealth recovery but much more is needed
    In the Balance, 2013, (5), 1-4 Downloads
  3. Mortgage borrowing: the boom and bust
    The Regional Economist, 2013 Downloads
  4. Still digging out: real net worth per household has rebounded 63 percent since hitting bottom in early 2009
    In the Balance, 2013, (4) Downloads
  5. The nation's wealth recovery since 2009 conceals vastly different balance-sheet realities among America's families
    In the Balance, 2013, (3), 1-2 Downloads View citations (1)
  6. Wealth recovery still not complete, remains uneven across families and locations
    In the Balance, 2013, (6), 1-2 Downloads
  7. Why did young families lose so much wealth during the crisis? the role of homeownership
    Review, 2013, (Jan), 1-26 Downloads View citations (6)

2012

  1. After the fall: rebuilding family balance sheets, rebuilding the economy
    Annual Report, 2012, 4-15 Downloads View citations (3)
  2. Don't expect consumer spending to be the engine of economic growth it once was
    The Regional Economist, 2012 Downloads View citations (3)
  3. Household financial stability: who suffered the most from the crisis?
    The Regional Economist, 2012, (Jul) Downloads View citations (6)
  4. Shifting fortunes: wealth trends in the Federal Reserve’s survey of consumer finances
    In the Balance, 2012, (1) Downloads
  5. Unsteady progress: income trends in the Federal Reserve's survey of consumer finances
    In the Balance, 2012, (2) Downloads
  6. Where housing markets lead in 2012, Eighth District economies are likely to follow
    Central Banker, 2012, (Spr) Downloads

2011

  1. Economic focus: unlike prior decades, house-price changes in largest District cities are following national trends
    Central Banker, 2011, (Fall) Downloads
  2. Questions about the budget deficit of the U.S. have no easy answers
    The Regional Economist, 2011, (Oct), 6-7 Downloads
  3. Real estate loans remain a critical part of Eighth District bank portfolios
    Central Banker, 2011, (Summer) Downloads
  4. The foreclosure crisis in 2008: predatory lending or household overreaching?
    The Regional Economist, 2011, (July), 12-14 Downloads View citations (1)

2010

  1. Economic hangover: recovery is likely to be prolonged, painful
    The Regional Economist, 2010, (Apr), 4-9 Downloads View citations (1)

2009

  1. Housing's great fall: putting household balance sheets together again
    The Regional Economist, 2009, (Oct), 14-15 Downloads

2008

  1. The mortgage crisis: let markets work, but compensate the truly needy
    The Regional Economist, 2008, (Jul), 10-16 Downloads View citations (1)

2007

  1. What is subprime lending?
    Monetary Trends, 2007, (Jun) Downloads View citations (5)
  2. Why do gasoline prices react to things that have not happened?
    The Regional Economist, 2007, (Jul), 10-11 Downloads

2006

  1. As household asset values rise, should we still worry about the saving rate?
    The Regional Economist, 2006, (Jul), 10-11 Downloads View citations (2)
  2. Editor's introduction
    Review, 2006, 88, (Jul), 221-234 Downloads
  3. What are the odds? option-based forecasts of FOMC target changes
    Review, 2006, 88, (Nov), 543-562 Downloads View citations (6)

2005

  1. Basel II will trickle down to community bankers, consumers
    The Regional Economist, 2005, (Apr), 12-13 Downloads View citations (2)
  2. Cash-out refinancing: check it out carefully
    The Regional Economist, 2005, (Jul), 10-11 Downloads

2004

  1. Reducing the Risk at Small Community Banks: Is it Size or Geographic Diversification that Matters?*
    Journal of Financial Services Research, 2004, 25, (2), 259-281 Downloads View citations (37)
  2. The housing giants in plain view
    The Regional Economist, 2004, (Jul), 4-9 Downloads View citations (1)

2003

  1. Credit unions make friends-but not with bankers
    The Regional Economist, 2003, (Oct), 4-9 Downloads View citations (1)

2002

  1. An imperfect crystal ball
    The Regional Economist, 2002, (Jan.), 10-11 Downloads
  2. Asset mispricing, arbitrage, and volatility
    Review, 2002, 84, (Nov), 19-28 Downloads View citations (1)
  3. Pricing and Dividend Policies in Open Credit Cooperatives
    Journal of Institutional and Theoretical Economics (JITE), 2002, 158, (2), 234-255 Downloads View citations (5)
    See also Working Paper (2000)

2001

  1. A third pillar of bank supervision
    The Regional Economist, 2001, (Oct), 4-9 Downloads View citations (1)
  2. Expectations and fundamentals
    Monetary Trends, 2001, (Jul) Downloads
  3. Membership structure, competition, and occupational credit union deposit rates
    Review, 2001, 83, (Jan), 41-50 Downloads

2000

  1. Bank competition and concentration: do credit unions matter?
    Review, 2000, 82, (May), 29-42 Downloads View citations (19)
  2. CBOs growth outlook
    National Economic Trends, 2000, (Nov) Downloads
  3. Inflation, exchange rates, and oil prices
    International Economic Trends, 2000, (Nov) Downloads
  4. The Asian crisis and the exposure of large U.S. firms
    Review, 2000, 82, (Jan), 15-34 Downloads View citations (5)
  5. The information content of Treasury inflation-indexed securities
    Review, 2000, 82, (Nov), 25-38 Downloads View citations (8)
  6. Whats behind the falling U.S. private savings rate?
    National Economic Trends, 2000, (Aug) Downloads

1999

  1. Convergence in the Euro-zone?
    Monetary Trends, 1999, (Oct) Downloads
  2. Credit unions and the common bond
    Review, 1999, 81, (Sep), 41-64 Downloads View citations (14)
    See also Working Paper (1998)
  3. Wages and risk-taking in occupational credit unions: theory and evidence
    Review, 1999, (Mar), 13-32 Downloads View citations (9)
  4. What can \\"buy-and-hold\\" stock investors expect?
    Monetary Trends, 1999, (Jun) Downloads

1998

  1. Is household debt too high?
    Monetary Trends, 1998, (Dec) Downloads
  2. The current P/E ratio: higher than you think
    Monetary Trends, 1998, (Jun) Downloads
  3. Universal banking, control rights, and corporate finance in Germany
    Review, 1998, (Jul), 19-42 Downloads View citations (19)

1997

  1. Recent developments in wholesale payments systems
    Review, 1997, (Nov), 23-43 Downloads View citations (9)

1996

  1. Price stability and the efficiency of the retail payments system
    Review, 1996, (Sep), 49-61 Downloads View citations (5)

Chapters

2003

  1. Cracks in the façade: American economic and financial structures after the boom
    Chapter 7 in The Structural Foundations of International Finance, 2003 Downloads
    See also Working Paper (2002)
  2. The US policy mix and corporate strategies
    Chapter 6 in Alliance Capitalism for the New American Economy, 2003 Downloads
 
Page updated 2020-11-30