Research Papers in Banking and Financial Economics

From Board of Governors of the Federal Reserve System (U.S.)
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53: Scale economies in banking: a restructuring and reassessment

George J. Benston, Gerald Hanweck and David B. Humphrey

52: Indirect screening and the Equal Credit Opportunity Act

Robert B. Avery

51: Bank profitability and interest rate risk

Gerald Hanweck and Thomas Eric Kilcollin

50: Predicting the rate of inflation with short-term interest rates

Gerald Hanweck

49: Financial innovations and the monetary transmission mechanism

Arnold Kling

48: Financial innovations and the demand for money

Arnold Kling

47: The pricing of the prime rate

Michael A. Goldberg

46: Regulation Q and commercial bank profitability

Gerald Hanweck and Thomas Eric Kilcollin

45: Cyclical tendencies of the prime rate

Michael A. Goldberg

44: Pricing, operating efficiency, and profitability among large commercial banks

Myron L. Kwast and John T. Rose

43: The inconsistency of the relationship between security and market returns

Michael A. Goldberg and Ashok Vora

42: An analysis of the behavior of mature black-owned commercial banks

Harold A. Black and Myron L. Kwast

41: The effects of prohibiting reserve account overdrafts

Warren Coats and Allen B. Frankel

40: On the microeconomics of reserve requirements

Gerald Hanweck and Thomas Eric Kilcollin

39: Pricing financial claims: a theory of option pricing and its use in analyzing the comparative statics of optimal capital structure

Peter Lloyd-Davies

38: Business loan demand and commercial bank portfolio responses

Nancy K. Buschmann and Michael A. Goldberg

37: Costs, scale economies, competition, and product mix in the U.S. payments mechanism

David B. Humphrey

36: The impact of bank regulations on the nonbank supply of commercial paper

Michael A. Goldberg

35: The competitive effects of NOW accounts on financial institutions in New England

Michael Asay and Thomas Eric Kilcollin

34: The impact of regulatory and monetary factors on bank loan charges

Michael A. Goldberg

33: Dominant firms, \"deep pockets\" and local market competition in banking

Gerald Hanweck and Stephen A. Rhoades

32: Scale economies at automated clearinghouses

David B. Humphrey

31: Acceptance financing and bank asset and liability management

Michael A. Goldberg and Benjamin Wolkowitz

30: Rational mortgage pricing

Michael Asay

29: Bank use of downstreamed commercial paper

David B. Humphrey and Donald T. Savage

28: Changes in major sources of tax savings for banking organizations, 1969- 1977

Gerald Hanweck and Rick Kilcollin

27: Bank regulation and the efficiency of financial intermediation

John H. Boyd and Myron L. Kwast

26: Effects of NOW accounts on earnings and competition in commercial banking: a review of theory and evidence

Michael Asay

25: Returns to scale in Federal Reserve check processing operations

David B. Humphrey

24: The economics and regulation of alternative home mortgage instruments

Michael Asay, Ellen D. Harvey and Benjamin Wolkowitz

23: Feedback effects in the market regulation of bank leverage: a time- series and cross-section analysis

Brian C. Gendreau and David B. Humphrey

22: Bank capital: the regulator versus the market

Benjamin Wolkowitz

21: Large bank intra-deposit maturity composition: CDs and time deposits 1970-77

David B. Humphrey

20: Bankers' balances, demand deposit interest, and agriculture credit before the Banking Act of 1933

Brian C. Gendreau

19: Predicting bank failure

Gerald Hanweck

18: An imperfect markets model of the banking firm under regulation

John J. Mingo

17: The competitive implications associated with the use of electronic terminals

Robert Eisenbeis

16: Sharing and access issues in electronic funds transfers systems

Robert Eisenbeis and Benjamin Wolkowitz

15: Using a simulation model approach for the identification and monitoring of problem banks

Gerald Hanweck

14: Measuring rates of return

Peter Lloyd-Davies

13: Determinants of commercial bank liability structure, 1970-75

David B. Humphrey

12: The macroeconomic effects of allowing interest payment on demand deposits

Peter Lloyd-Davies

11: The case for the Federal Reserve System actively participating in electronic funds transfer

Benjamin Wolkowitz

10: Bank examination data as predictors of bank net loan losses

David R. Graham and David B. Humphrey

9: Monetary policy and credit availability effects of electronic funds transfers

Donald P. Tucker

8: Financial reform and mortgage lending by thrift institutions: stability for thrifts through liability management

Donald P. Tucker

7: Market regulation of bank leverage

David B. Humphrey and Samuel H. Talley

6: Projected bank equity capital requirements through 1979: a simulation model approach

Gerald Hanweck

5: An inventory model for bank vault cash management

E. Halpern and Yair E. Orgler

4: The nonhomotheticity of commercial bank production functions

Robert H. Dugger

3: The cost of capital and the effects of regulation on bank balance sheet decisions

John J. Mingo and Benjamin Wolkowitz

2: The variable-rate graduated-payment mortgage

Donald P. Tucker

1: Prices, nonprices and concentration in selected banking markets

A. A. Heggestad and John J. Mingo