Economic and Banking Industry Analysis Publications

OCC economists issue publications that cover a range of banking and economic topics. The views expressed in economics working papers are those of the authors alone and do not necessarily reflect those of the OCC or the U.S. Department of the Treasury.

Featured Publications

All Economic and Banking Industry Analysis Publications

Publication Date	Title	Version	Collection
11/12/2024	First-Time Homebuyers Affected by Historical Challenges	November 2024	On Point
10/11/2024	The Geographic Mismatch Between Housing Construction and Shortages	October 2024	On Point
09/24/2024	Quarterly Report on Bank Trading and Derivatives Activities: Second Quarter 2024	Second Quarter 2024	Quarterly Report on Bank Trading and Derivatives Activities
09/18/2024	OCC Reports Mortgage Performance for Second Quarter of 2024	Second Quarter 2024	Mortgage Metrics Report
08/22/2024	U.S. Economic Snapshot - Economy beat expectations in 2Q, but growth is likely to slow	August 2024	Economic Snapshot Reports
06/26/2024	OCC Reports Mortgage Performance for First Quarter of 2024	First Quarter 2024	Mortgage Metrics Report
06/25/2024	Quarterly Report on Bank Trading and Derivatives Activities: First Quarter 2024	First Quarter 2024	Quarterly Report on Bank Trading and Derivatives Activities
05/28/2024	U.S. Economic Snapshot - First quarter GDP growth is slowest since 2Q:2022	May 2024	Economic Snapshot Reports
04/26/2024	The History of National Bank Real Estate Lending: Part II (1981-2023)	April 2024	Moments in History
04/25/2024	Do Past Cycles Predict the Future of Home Prices?	April 2024	On Point
03/27/2024	Quarterly Report on Bank Trading and Derivatives Activities: Fourth Quarter 2023	Fourth Quarter 2023	Quarterly Report on Bank Trading and Derivatives Activities
03/19/2024	OCC Releases Mortgage Performance for Fourth Quarter 2023	Fourth Quarter 2023	Mortgage Metrics Report
02/22/2024	U.S. Economic Snapshot - Economic growth surprised to the upside in 2023	February 2024	Economic Snapshot Reports
12/13/2023	Quarterly Report on Bank Trading and Derivatives Activities: Third Quarter 2023	Third Quarter 2023	Quarterly Report on Bank Trading and Derivatives Activities
12/12/2023	OCC Reports Mortgage Performance for Third Quarter of 2023	Third Quarter 2023	Mortgage Metrics Report
11/27/2023	U.S. Economic Snapshot - The economy surged in 3Q but is expected to slow into next year	November 2023	Economic Snapshot Reports
09/27/2023	OCC Reports Mortgage Performance for Second Quarter of 2023	Second Quarter 2023	Mortgage Metrics Report
09/22/2023	U.S. Economic Snapshot - Economic growth remains solid despite higher interest rates	September 2023	Economic Snapshot Reports
09/14/2023	Quarterly Report on Bank Trading and Derivatives Activities: Second Quarter 2023	Second Quarter 2023	Quarterly Report on Bank Trading and Derivatives Activities
06/27/2023	Mortgage Performance Improves in First Quarter 2023	First Quarter 2023	Mortgage Metrics Report
06/20/2023	The History of National Bank Real Estate Lending: Part I (1863-1980)	June 2023	Moments in History
06/15/2023	Quarterly Report on Bank Trading and Derivatives Activities: First Quarter 2023	First Quarter 2023	Quarterly Report on Bank Trading and Derivatives Activities
05/23/2023	U.S. Economic Snapshot - GDP growth continues to slow under weight of higher interest rates	May 2023	Economic Snapshot Reports
03/31/2023	OCC Releases Mortgage Performance for Fourth Quarter 2022	Fourth Quarter 2022	Mortgage Metrics Report
03/31/2023	Quarterly Report on Bank Trading and Derivatives Activities: Fourth Quarter 2022	Fourth Quarter 2022	Quarterly Report on Bank Trading and Derivatives Activities
02/28/2023	U.S. Economic Snapshot - GDP growth is moderating, but the job market remains tight	February 2023	Economic Snapshot Reports
12/15/2022	OCC Reports Improvement in Overall Mortgage Performance	Third Quarter 2022	Mortgage Metrics Report
12/12/2022	Quarterly Report on Bank Trading and Derivatives Activities: Third Quarter 2022	Third Quarter 2022	Quarterly Report on Bank Trading and Derivatives Activities
12/08/2022	Supply Chain Vulnerabilities Likely to Persist	December 2022	On Point
11/30/2022	Global Banking's Improved Capital Levels May Soon be Tested	November 2022	On Point
11/18/2022	U.S. Economic Snapshot - GDP rebounded in 3Q:2022 but recession risk remains elevated	November 2022	Economic Snapshot Reports
10/25/2022	The History of Supervisory Expectations for Capital Adequacy: Part II (1984–2021)	October 2022	Moments in History
09/15/2022	OCC Reports Improvement in Overall Mortgage Performance	Second Quarter 2022	Mortgage Metrics Report
09/13/2022	Quarterly Report on Bank Trading and Derivatives Activities: Second Quarter 2022	Second Quarter 2022	Quarterly Report on Bank Trading and Derivatives Activities
08/29/2022	U.S. Economic Snapshot - GDP fell for the second straight quarter; recession risk rising	August 2022	Economic Snapshot Reports
08/19/2022	Could Higher Prices Boost U.S. Grain Farm Income?	August 2022	On Point
08/17/2022	Rising Payments May Pressure Consumer Debt Burden and Delinquencies	August 2022	On Point
06/27/2022	OCC Reports Improvement in Overall Mortgage Performance	First Quarter 2022	Mortgage Metrics Report
06/21/2022	Quarterly Report on Bank Trading and Derivatives Activities: First Quarter 2022	First Quarter 2022	Quarterly Report on Bank Trading and Derivatives Activities
06/15/2022	Office Loans in Urban Areas Hold Most Credit Risk	June 2022	On Point
06/13/2022	The History of Supervisory Expectations for Capital Adequacy: Part I (1863-1983)	June 2022	Moments in History
06/02/2022	Uncertain Business Travel Outlook Increases Credit Risk of Urban Hotel Loans	June 2022	On Point
05/29/2022	U.S. Economic Snapshot - Ukraine War and High Inflation Weigh on U.S. Economy	May 2022	Economic Snapshot Reports
05/19/2022	Uncertain Future of Business Travel a Risk for Higher-End Lodging	May 2022	On Point
04/07/2022	Could Supply Chain Overcorrection Result in Excess Inventories?	April 2022	On Point
03/25/2022	Quarterly Report on Bank Trading and Derivatives Activities: Fourth Quarter 2021	Fourth Quarter 2021	Quarterly Report on Bank Trading and Derivatives Activities
03/24/2022	Supply Chain Stress Pressures Small Firm Profitability	March 2022	On Point
03/22/2022	OCC Reports Improvement in Mortgage Performance	Fourth Quarter 2021	Mortgage Metrics Report
03/07/2022	Policy Unwind Adds Risk of Sharply Higher Long-Term Bond Yields	March 2022	On Point
02/28/2022	U.S. Economic Snapshot - Real GDP forecast is for solid but slower growth in 2022	February 2022	Economic Snapshot Reports
02/10/2022	Is a Wage-Price Spiral Emerging?	February 2022	On Point
02/04/2022	Interbank Debt Contagion and Financial Network Solvency (WP-2022-01)	February 2022	OCC Working Papers – New Frontiers in Bank Risk
01/27/2022	Banks' Rising Labor Costs Partly Reflect Industry-Specific Factors	January 2022	On Point
01/25/2022	The Pandemic-Fueled Preference for Single-Family Homes May Endure	January 2022	On Point
01/07/2022	Deposit Growth Likely Slowing but Abundance of Low-Cost Funding Could Endure Through 2022	January 2022	On Point
12/20/2021	Quarterly Report on Bank Trading and Derivatives Activities: Third Quarter 2021	Third Quarter 2021	Quarterly Report on Bank Trading and Derivatives Activities
12/10/2021	OCC Reports Improvement in Mortgage Performance	Third Quarter 2021	Mortgage Metrics Report
12/03/2021	Home Buyers Remain in Large Metropolitan Statistical Areas Despite COVID-19	December 2021	On Point
11/29/2021	U.S. Economic Snapshot - COVID-related slowdown in 3Q expected to be temporary	November 2021	Economic Snapshot Reports
11/23/2021	Shareholder Double Liability and Depositor Losses in Failed National Banks: 1865–1935	November 2021	Moments in History
11/10/2021	Industries Recovering Unevenly From the Pandemic	November 2021	On Point
10/29/2021	Used Vehicle Prices Likely to Stay Elevated Through Next Year	October 2021	On Point
10/18/2021	Bank Performance Under a High Inflation Scenario	October 2021	On Point
09/28/2021	OCC Reports Improvement in Mortgage Performance	Second Quarter 2021	Mortgage Metrics Report
09/22/2021	Asian Corporate Bond Spreads May Not Reflect Underlying Risks	September 2021	On Point
09/16/2021	Quarterly Report on Bank Trading and Derivatives Activities: Second Quarter 2021	Second Quarter 2021	Quarterly Report on Bank Trading and Derivatives Activities
09/14/2021	U.S. Economic Snapshot - GDP growth strongest since 1984 but expected to moderate	August 2021	Economic Snapshot Reports
08/25/2021	The Impact of the State and Local Tax (SALT) Deduction Cap on U.S. Home Prices (WP-2021-02)	August 2021	OCC Working Papers – New Frontiers in Bank Risk
07/20/2021	Sustaining Bank Profitability a Near-Term Challenge	July 2021	On Point
06/28/2021	Quarterly Report on Bank Trading and Derivatives Activities: First Quarter 2021	First Quarter 2021	Quarterly Report on Bank Trading and Derivatives Activities
06/28/2021	Mortgage Performance Declines in First Quarter 2021	First Quarter 2021	Mortgage Metrics Report
06/25/2021	U.S. Economic Snapshot - GDP growth forecast to be fastest since 1984	June 2021	Economic Snapshot Reports
06/11/2021	The Value of Examiner Asset Classifications: Protecting Uninsured Depositors and Creditors Since 1863	June 2021	Moments in History
06/01/2021	High Business Debt Does Not Represent a "Bubble"	June 2021	On Point
05/18/2021	Widespread Housing Foreclosures Unlikely	May 2021	On Point
04/29/2021	Credit Card Delinquencies Decline and Defaults Remain Resistant to the Pandemic	April 2021	On Point
04/06/2021	PPP Lending Provides Boost to Metro Area Small Banks and Businesses	April 2021	On Point
03/25/2021	OCC Reports Decline in Mortgage Performance for Fourth Quarter 2020	Fourth Quarter 2020	Mortgage Metrics Report
03/23/2021	Quarterly Report on Bank Trading and Derivatives Activities: Fourth Quarter 2020	Fourth Quarter 2020	Quarterly Report on Bank Trading and Derivatives Activities
02/23/2021	2021 Economic Forecast Uncertainty Amplified by Global Pandemic	February 2021	On Point
02/04/2021	Do Negative Interest Rate Policies Actually Work? (And at What Cost?)	February 2021	On Point
01/22/2021	Home Prices Escape Recession Unscathed	January 2021	On Point
01/06/2021	CAMELS Ratings and Their Information Content (WP-2021-01)	January 2021	OCC Working Papers – Banking Performance and Regulation
01/06/2021	Inflation, Further Surge in Bank Assets Unlikely	January 2021	On Point
12/16/2020	OCC Reports Decline in Mortgage Performance	Third Quarter 2020	Mortgage Metrics Report
12/16/2020	Quarterly Report on Bank Trading and Derivatives Activities: Third Quarter 2020	Third Quarter 2020	Quarterly Report on Bank Trading and Derivatives Activities
12/07/2020	Pandemic Provisioning Reflects Economic Stress	December 2020	On Point
12/07/2020	The Evolution of Bank Chartering	December 2020	Moments in History
12/07/2020	The Geography of Pandemic Stress and PPP Lending	December 2020	On Point
12/03/2020	Value Creation From the National Bank Charter: Historical Reflections on the Complementarity of Examinations and Market Discipline	December 2020	Moments in History
12/02/2020	Chartering the FinTech Future (WP-2020-06)	December 2020	OCC Working Papers – Banking Performance and Regulation
10/21/2020	Estimating Conditional Mortgage Delinquency Transition Matrices (WP-2020-05)	October 2020	OCC Working Papers – New Frontiers in Bank Risk
09/23/2020	OCC Reports Decline in Mortgage Performance	Second Quarter 2020	Mortgage Metrics Report
09/16/2020	Quarterly Report on Bank Trading and Derivatives Activities: Second Quarter 2020	Second Quarter 2020	Quarterly Report on Bank Trading and Derivatives Activities
08/02/2020	Hurricanes and Residential Mortgage Loan Performance (WP-2020-04)	August 2020	OCC Working Papers – Banking Performance and Regulation
06/30/2020	A Puzzle in the Relation Between Risk and Pricing of Long-Term Auto Loans (WP-2020-03)	June 2020	OCC Working Papers – Banking Performance and Regulation
06/26/2020	Quarterly Report on Bank Trading and Derivatives Activities: First Quarter 2020	First Quarter 2020	Quarterly Report on Bank Trading and Derivatives Activities
06/16/2020	OCC Reports Mortgage Performance Remains Stable	First Quarter 2020	Mortgage Metrics Report
05/11/2020	Modeling Loss Given Default Regressions (WP-2020-02)	May 2020	OCC Working Papers – New Frontiers in Bank Risk
03/30/2020	Quarterly Report on Bank Trading and Derivatives Activities: Fourth Quarter 2019	Fourth Quarter 2019	Quarterly Report on Bank Trading and Derivatives Activities
03/17/2020	OCC Reports Slight Improvement in Mortgage Performance	Fourth Quarter 2019	Mortgage Metrics Report
02/06/2020	Profits, Credit Spreads, and Fragility of Banks (WP-2020-01)	February 2020	OCC Working Papers – Banking Performance and Regulation
12/19/2019	OCC Reports Mortgage Performance Improves Slightly	Third Quarter 2019	Mortgage Metrics Report
12/18/2019	Quarterly Report on Bank Trading and Derivatives Activities: Third Quarter 2019	Third Quarter 2019	Quarterly Report on Bank Trading and Derivatives Activities
09/30/2019	OCC Reports Slight Improvement in Mortgage Performance	Second Quarter 2019	Mortgage Metrics Report
09/24/2019	Quarterly Report on Bank Trading and Derivatives Activities: Second Quarter 2019	Second Quarter 2019	Quarterly Report on Bank Trading and Derivatives Activities
06/26/2019	OCC Reports Improvement in Mortgage Performance	First Quarter 2019	Mortgage Metrics Report
06/18/2019	Quarterly Report on Bank Trading and Derivatives Activities: First Quarter 2019	First Quarter 2019	Quarterly Report on Bank Trading and Derivatives Activities
03/22/2019	OCC Reports Mortgage Performance Improves in Fourth Quarter of 2018	Fourth Quarter 2018	Mortgage Metrics Report
03/22/2019	Quarterly Report on Bank Trading and Derivatives Activities: Fourth Quarter 2018	Fourth Quarter 2018	Quarterly Report on Bank Trading and Derivatives Activities
12/12/2018	Quarterly Report on Bank Trading and Derivatives Activities: Third Quarter 2018	Third Quarter 2018	Quarterly Report on Bank Trading and Derivatives Activities
12/11/2018	OCC Reports Slight Improvement in Mortgage Performance	Third Quarter 2018	Mortgage Metrics Report
09/21/2018	OCC Reports Mortgage Performance Unchanged	Second Quarter 2018	Mortgage Metrics Report
09/10/2018	Quarterly Report on Bank Trading and Derivatives Activities: Second Quarter 2018	Second Quarter 2018	Quarterly Report on Bank Trading and Derivatives Activities
06/21/2018	Quarterly Report on Bank Trading and Derivatives Activities: First Quarter 2018	First Quarter 2018	Quarterly Report on Bank Trading and Derivatives Activities
06/19/2018	OCC Reports Mortgage Performance Unchanged	First Quarter 2018	Mortgage Metrics Report
03/23/2018	Quarterly Report on Bank Trading and Derivatives Activities: Fourth Quarter 2017	Fourth Quarter 2017	Quarterly Report on Bank Trading and Derivatives Activities
03/15/2018	OCC Reports Mortgage Performance Unchanged	Fourth Quarter 2017	Mortgage Metrics Report
12/26/2017	Quarterly Report on Bank Trading and Derivatives Activities: Third Quarter 2017	Third Quarter 2017	Quarterly Report on Bank Trading and Derivatives Activities
12/22/2017	OCC Reports Mortgage Performance Unchanged	Third Quarter 2017	Mortgage Metrics Report
09/29/2017	OCC Reports Mortgage Performance Continues to Improve	Second Quarter 2017	Mortgage Metrics Report
09/27/2017	Quarterly Report on Bank Trading and Derivatives Activities: Second Quarter 2017	Second Quarter 2017	Quarterly Report on Bank Trading and Derivatives Activities
07/13/2017	OCC Reports Improved Mortgage Performance In First Quarter of 2017	First Quarter 2017	Mortgage Metrics Report
07/03/2017	Quarterly Report on Bank Trading and Derivatives Activities: First Quarter 2017	First Quarter 2017	Quarterly Report on Bank Trading and Derivatives Activities
03/24/2017	Mortgage Performance Continues to Improve	Fourth Quarter 2016	Mortgage Metrics Report
03/23/2017	Quarterly Report on Bank Trading and Derivatives Activities: Fourth Quarter 2016	Fourth Quarter 2016	Quarterly Report on Bank Trading and Derivatives Activities
01/04/2017	Quarterly Report on Bank Trading and Derivatives Activities: Third Quarter 2016	Third Quarter 2016	Quarterly Report on Bank Trading and Derivatives Activities
01/04/2017	Mortgage Performance Improve in Third Quarter 2016	Third Quarter 2016	Mortgage Metrics Report
12/15/2016	Survey of Credit Underwriting Practices	December 2016	Survey of Credit Underwriting Practices Archive
10/04/2016	Quarterly Report on Bank Trading and Derivatives Activities: Second Quarter 2016	Second Quarter 2016	Quarterly Report on Bank Trading and Derivatives Activities
09/30/2016	Mortgage Performance Improve in Second Quarter 2016	Second Quarter 2016	Mortgage Metrics Report
07/01/2016	OCC Reports Mortgage Performance Improve in First Quarter 2016	First Quarter 2016	Mortgage Metrics Report
06/30/2016	Quarterly Report on Bank Trading and Derivatives Activities: First Quarter 2016	First Quarter 2016	Quarterly Report on Bank Trading and Derivatives Activities
06/15/2016	Braving the Financial Crisis: An Empirical Analysis of the Effect of Female Board Directors on Bank Holding Company Performance (WP 2016-1)	June 2016	Economics Working Papers Archive
03/30/2016	Quarterly Report on Bank Trading and Derivatives Activities: Fourth Quarter 2015	Fourth Quarter 2015	Quarterly Report on Bank Trading and Derivatives Activities
03/30/2016	Mortgage Performance Improves Through Fourth Quarter 2015	Fourth Quarter 2015	Mortgage Metrics Report
12/21/2015	Quarterly Report on Bank Trading and Derivatives Activities: Third Quarter 2015	Third Quarter 2015	Quarterly Report on Bank Trading and Derivatives Activities
12/15/2015	Survey of Credit Underwriting Practices	December 2015	Survey of Credit Underwriting Practices Archive
12/14/2015	Mortgage Performance Improved During the Third Quarter of 2015	Third Quarter 2015	Mortgage Metrics Report
10/02/2015	Mortgage Performance Improved During the Second Quarter 2015	Second Quarter 2015	Mortgage Metrics Report
09/21/2015	Quarterly Report on Bank Trading and Derivatives Activities: Second Quarter 2015	Second Quarter 2015	Quarterly Report on Bank Trading and Derivatives Activities
07/15/2015	Key Issues in Developing Commercial Credit Default Models (WP 2015-2)	July 2015	Economics Working Papers Archive
06/29/2015	Quarterly Report on Bank Trading and Derivatives Activities: First Quarter 2015	First Quarter 2015	Quarterly Report on Bank Trading and Derivatives Activities
06/25/2015	Mortgage Performance Improved During the First Quarter 2015	First Quarter 2015	Mortgage Metrics Report
05/15/2015	Thermodynamic Properties of the U.S. Banking System (WP 2015-1)	May 2015	Economics Working Papers Archive
04/01/2015	Quarterly Report on Bank Trading and Derivatives Activities: Fourth Quarter 2014	Fourth Quarter 2014	Quarterly Report on Bank Trading and Derivatives Activities
03/27/2015	Mortgage Performance Improved During the Fourth Quarter 2014	Fourth Quarter 2014	Mortgage Metrics Report
12/19/2014	OCC Reports Mortgage Performance Improvement Continues	Third Quarter 2014	Mortgage Metrics Report
12/19/2014	Quarterly Report on Bank Trading and Derivatives Activities: Third Quarter 2014	Third Quarter 2014	Quarterly Report on Bank Trading and Derivatives Activities
12/15/2014	Survey of Credit Underwriting Practices	December 2014	Survey of Credit Underwriting Practices Archive
10/09/2014	Quarterly Report on Bank Trading and Derivatives Activities: Second Quarter 2014	Second Quarter 2014	Quarterly Report on Bank Trading and Derivatives Activities
09/25/2014	Mortgage Performance Improvement Continues, OCC Reports	Second Quarter 2014	Mortgage Metrics Report
09/15/2014	Asset Commonality and Systemic Risk Among Large Banks in the United States (WP 2014-3)	September 2014	Economics Working Papers Archive
07/15/2014	Further Investigation of Parametric Loss Given Default Modeling (WP 2014-2)	July 2014	Economics Working Papers Archive
07/01/2014	Quarterly Report on Bank Trading and Derivatives Activities: First Quarter 2014	First Quarter 2014	Quarterly Report on Bank Trading and Derivatives Activities
06/26/2014	OCC Reports on Mortgage Performance For First Quarter of 2014	First Quarter 2014	Mortgage Metrics Report
06/15/2014	Default Probability and Loss Given Default for Home Equity Loans (WP 2014-1)	June 2014	Economics Working Papers Archive
03/28/2014	Quarterly Report on Bank Trading and Derivatives Activities: Fourth Quarter 2013	Fourth Quarter 2013	Quarterly Report on Bank Trading and Derivatives Activities
03/27/2014	OCC Reports on Mortgage Performance For Fourth Quarter of 2013	Fourth Quarter 2013	Mortgage Metrics Report
12/23/2013	Improvement in Mortgage Performance Continues, OCC Reports	Third Quarter 2013	Mortgage Metrics Report
12/18/2013	Quarterly Report on Bank Trading and Derivatives Activities: Third Quarter 2013	Third Quarter 2013	Quarterly Report on Bank Trading and Derivatives Activities
12/15/2013	Survey of Credit Underwriting Practices	December 2013	Survey of Credit Underwriting Practices Archive
09/27/2013	Quarterly Report on Bank Trading and Derivatives Activities: Second Quarter 2013	Second Quarter 2013	Quarterly Report on Bank Trading and Derivatives Activities
09/26/2013	OCC Reports Continued Improvement in Mortgage Performance	Second Quarter 2013	Mortgage Metrics Report
06/27/2013	Mortgage Performance Continues Steady Improvement in Mortgage Performance, OCC Says	First Quarter 2013	Mortgage Metrics Report
06/21/2013	Quarterly Report on Bank Trading and Derivatives Activities: First Quarter 2013	First Quarter 2013	Quarterly Report on Bank Trading and Derivatives Activities
03/27/2013	OCC Reports Mortgage Performance For Fourth Quarter	Fourth Quarter 2012	Mortgage Metrics Report
03/20/2013	Quarterly Report on Bank Trading and Derivatives Activities: Fourth Quarter 2012	Fourth Quarter 2012	Quarterly Report on Bank Trading and Derivatives Activities
12/21/2012	OCC Reports Mortgage Performance For Third Quarter	Third Quarter 2012	Mortgage Metrics Report
12/20/2012	Quarterly Report on Bank Trading and Derivatives Activities: Third Quarter 2012	Third Quarter 2012	Quarterly Report on Bank Trading and Derivatives Activities
12/15/2012	Survey of Credit Underwriting Practices	December 2012	Survey of Credit Underwriting Practices Archive
09/27/2012	Mortgage Performance Improved from a Year Ago, OCC Report Says	Second Quarter 2012	Mortgage Metrics Report
09/21/2012	Quarterly Report on Bank Trading and Derivatives Activities: Second Quarter 2012	Second Quarter 2012	Quarterly Report on Bank Trading and Derivatives Activities
07/15/2012	Recent De Novo Bank Failures: How Important Is Supervisor Choice? (WP 2012-1)	July 2012	Economics Working Papers Archive
06/27/2012	Mortgage Delinquencies Fall to Three-Year Low	First Quarter 2012	Mortgage Metrics Report
06/22/2012	Quarterly Report on Bank Trading and Derivatives Activities: First Quarter 2012	First Quarter 2012	Quarterly Report on Bank Trading and Derivatives Activities
03/28/2012	Overall Mortgage Performance Remained Stable During the Fourth Quarter of 2011, Improved From a Year Earlier	Fourth Quarter 2011	Mortgage Metrics Report
03/20/2012	Quarterly Report on Bank Trading and Derivatives Activities: Fourth Quarter 2011	Fourth Quarter 2011	Quarterly Report on Bank Trading and Derivatives Activities
12/26/2011	Quarterly Report on Bank Trading and Derivatives Activities: Third Quarter 2011	Third Quarter 2011	Quarterly Report on Bank Trading and Derivatives Activities
12/21/2011	Overall Mortgage Performance Stable, Delinquencies Remained Elevated in Third Quarter 2011	Third Quarter 2011	Mortgage Metrics Report
12/15/2011	Survey of Credit Underwriting Practices	December 2011	Survey of Credit Underwriting Practices Archive
10/15/2011	Debt Structure, Market Value of Firm, and Recovery Rate (WP 2011-2)	October 2011	Economics Working Papers Archive
09/29/2011	Mortgage Delinquencies Rose During Second Quarter of 2011	Second Quarter 2011	Mortgage Metrics Report
09/16/2011	Quarterly Report on Bank Trading and Derivatives Activities: Second Quarter 2011	Second Quarter 2011	Quarterly Report on Bank Trading and Derivatives Activities
06/29/2011	Mortgage Performance Improves During First Quarter of 2011 as Large Number of Troubled Loans Works Through the System	First Quarter 2011	Mortgage Metrics Report
06/17/2011	Quarterly Report on Bank Trading and Derivatives Activities: First Quarter 2011	First Quarter 2011	Quarterly Report on Bank Trading and Derivatives Activities
03/31/2011	Mortgage Performance Slightly Better in Fourth Quarter of 2010 Serious Delinquencies Drop for the Fourth Consecutive Quarter	Fourth Quarter 2010	Mortgage Metrics Report
03/17/2011	Quarterly Report on Bank Trading and Derivatives Activities: Fourth Quarter 2010	Fourth Quarter 2010	Quarterly Report on Bank Trading and Derivatives Activities
03/15/2011	So That's Operational Risk! (How operational risk in mortgage-backed securities almost destroyed the world's financial markets and what we can do about it) (WP 2011-1)	March 2011	Economics Working Papers Archive
12/29/2011	OCC and OTS Report Shows Mortgage Performance Steady in Third Quarter of 2010, Includes New State-Level Data	Third Quarter 2010	Mortgage Metrics Report
12/17/2010	Quarterly Report on Bank Trading and Derivatives Activities: Third Quarter 2010	Third Quarter 2010	Quarterly Report on Bank Trading and Derivatives Activities
12/15/2010	Survey of Credit Underwriting Practices	December 2010	Survey of Credit Underwriting Practices Archive
12/15/2010	Are Early Warning Models Still Useful Tools for Bank Supervisors? (WP 2010-3)	December 2010	Economics Working Papers Archive
09/27/2010	Quarterly Report on Bank Trading and Derivatives Activities: Second Quarter 2010	Second Quarter 2010	Quarterly Report on Bank Trading and Derivatives Activities
09/24/2010	OCC and OTS Release Mortgage Metrics Report for Second Quarter of 2010	Second Quarter 2010	Mortgage Metrics Report
06/23/2010	OCC and OTS Release Mortgage Metrics Report for First Quarter of 2010	First Quarter 2010	Mortgage Metrics Report
05/15/2010	Why Do De Novo Banks Choose a National Charter? (WP 2010-2)	May 2010	Economics Working Papers Archive
03/25/2010	Mortgage Metrics Report for Fourth Quarter of 2009	Fourth Quarter 2009	Mortgage Metrics Report
03/19/2010	Quarterly Report on Bank Trading and Derivatives Activities: Fourth Quarter 2009	Fourth Quarter 2009	Quarterly Report on Bank Trading and Derivatives Activities
02/15/2010	Correlation in Credit Risk (WP 2009-5)	February 2010	Economics Working Papers Archive
02/15/2010	Fair Lending Analysis of Mortgage Pricing: Does Underwriting Matter? (WP 2010-1 )	February 2010	Economics Working Papers Archive
12/21/2009	Mortgage Metrics Report for Third Quarter of 2009	Third Quarter 2009	Mortgage Metrics Report
12/18/2009	Quarterly Report on Bank Trading and Derivatives Activities: Third Quarter 2009	Third Quarter 2009	Quarterly Report on Bank Trading and Derivatives Activities
12/15/2009	Survey of Credit Underwriting Practices	December 2009	Survey of Credit Underwriting Practices Archive
11/15/2009	The U.S. Financial System in 2011 - How Will Sufficient Credit Be Provided? (WP 2009-6)	November 2009	Economics Working Papers Archive
09/30/2009	Mortgage Metrics Report for Second Quarter of 2009	Second Quarter 2009	Mortgage Metrics Report
09/25/2009	Quarterly Report on Bank Trading and Derivatives Activities: Second Quarter 2009	Second Quarter 2009	Quarterly Report on Bank Trading and Derivatives Activities
09/15/2009	Classifying Applicants for Fair Lending Analyses - What Do the Data Have to Say? (WP 2009-4)	August 2009	Economics Working Papers Archive
07/15/2009	Does Multiple Jeopardy Exist in Mortgage Markets? (WP 2009-3)	July 2009	Economics Working Papers Archive
07/15/2009	Exposure at Default of Unsecured Credit Cards (WP 2009-2)	July 2009	Economics Working Papers Archive
06/30/2009	Mortgage Metrics Report for First Quarter 2009	First Quarter 2009	Mortgage Metrics Report
06/26/2009	Quarterly Report on Bank Trading and Derivatives Activities: First Quarter 2009	First Quarter 2009	Quarterly Report on Bank Trading and Derivatives Activities
06/26/2009	Quarterly Report on Bank Trading and Derivatives Activities: First Quarter 2010	First Quarter 2010	Quarterly Report on Bank Trading and Derivatives Activities
04/15/2009	Ownership and Asymmetric Information Problems in the Corporate Loan Market - Evidence from a Heteroskedastic Regression (WP 2009-1)	April 2009	Economics Working Papers Archive
04/03/2009	Mortgage Metrics Report for Fourth Quarter of 2008	Fourth Quarter 2008	Mortgage Metrics Report
03/27/2009	Quarterly Report on Bank Trading and Derivatives Activities: Fourth Quarter 2008	Fourth Quarter 2008	Quarterly Report on Bank Trading and Derivatives Activities
12/29/2009	Quarterly Report on Bank Trading and Derivatives Activities: Third Quarter 2008	Third Quarter 2008	Quarterly Report on Bank Trading and Derivatives Activities
12/22/2008	Mortgage Metrics Report for Third Quarter of 2008	Third Quarter 2008	Mortgage Metrics Report
12/15/2008	Survey of Credit Underwriting Practices	December 2008	Survey of Credit Underwriting Practices Archive
09/26/2008	Quarterly Report on Bank Trading and Derivatives Activities: Second Quarter 2008	Second Quarter 2008	Quarterly Report on Bank Trading and Derivatives Activities
09/12/2008	Mortgage Metrics Report for Second Quarter of 2008	Second Quarter 2008	Mortgage Metrics Report
08/15/2008	Alternative Assets and Public Pension Plan Performance (WP 2008-2)	August 2008	Economics Working Papers Archive
07/07/2008	Quarterly Report on Bank Trading and Derivatives Activities: First Quarter 2008	First Quarter 2008	Quarterly Report on Bank Trading and Derivatives Activities
06/11/2008	Mortgage Metrics Report for First Quarter 2008	First Quarter 2008	Mortgage Metrics Report
04/15/2008	Management Turnover, Regulatory Oversight, and Performance: Evidence From Community Banks (WP 2008-1)	April 2008	Economics Working Papers Archive
04/07/2008	Report of the Financial Stability Forum on Enhancing Market and Institutional Resilience	September 2014	Banker Education
04/02/2008	Quarterly Report on Bank Trading and Derivatives Activities: Fourth Quarter 2007	Fourth Quarter 2007	Quarterly Report on Bank Trading and Derivatives Activities
03/15/2008	Limits to Relative Performance Evaluation: Evidence from Bank Executive Turnover (WP 2008-3)	March 2008	Economics Working Papers Archive
12/28/2007	Quarterly Report on Bank Trading and Derivatives Activities: Third Quarter 2004	Third Quarter 2007	Quarterly Report on Bank Trading and Derivatives Activities
12/15/2007	Survey of Credit Underwriting Practices	December 2007	Survey of Credit Underwriting Practices Archive
10/26/2007	Quarterly Report on Bank Trading and Derivatives Activities: Second Quarter 2007	Second Quarter 2007	Quarterly Report on Bank Trading and Derivatives Activities
08/15/2007	Loss Given Default of High Loan-to-Value Residential Mortgages (WP 2007-4)	August 2007	Economics Working Papers Archive
07/15/2007	Community Bank Strategic Lending Choices and Performance (WP 2007-3)	July 2007	Economics Working Papers Archive
06/29/2007	Quarterly Report on Bank Trading and Derivatives Activities: First Quarter 2007	First Quarter 2007	Quarterly Report on Bank Trading and Derivatives Activities
03/31/2007	Quarterly Journal, Volume 26-No. 1	Fourth Quarter CY2007	Quarterly Journal Archive
03/30/2007	Quarterly Report on Bank Trading and Derivatives Activities: Fourth Quarter 2006	Fourth Quarter 2006	Quarterly Report on Bank Trading and Derivatives Activities
03/15/2007	Bank Failure - Evidence from the Colombian Financial Crisis (WP 2007-2)	March 2007	Economics Working Papers Archive
03/15/2007	The Probability Approach to Default Probabilities (WP 2007-1)	March 2007	Economics Working Papers Archive
12/31/2007	Quarterly Journal, Volume 25-No. 4	Third Quarter CY2006	Quarterly Journal Archive
12/15/2006	Survey of Credit Underwriting Practices	December 2006	Survey of Credit Underwriting Practices Archive
12/15/2006	Quarterly Report on Bank Trading and Derivatives Activities: Third Quarter 2006	Third Quarter 2006	Quarterly Report on Bank Trading and Derivatives Activities
11/15/2006	Multivariate Estimation for Operational Risk with Judicious Use of Extreme Value Theory (WP 2006-3)	November 2006	Economics Working Papers Archive
09/30/2006	Quarterly Journal, Volume 25-No. 3	Second Quarter CY2006	Quarterly Journal Archive
09/28/2006	Quarterly Report on Bank Trading and Derivatives Activities: Second Quarter 2006	Second Quarter 2006	Quarterly Report on Bank Trading and Derivatives Activities
09/15/2006	Default Estimation for Low-Default Portfolios (WP 2006-2)	September 2006	Economics Working Papers Archive
08/15/2006	Foreclosures of Subprime Mortgages in Chicago - Analyzing the Role of Predatory Lending Practices (WP 2006-1)	August 2006	Economics Working Papers Archive
06/30/2006	Quarterly Journal, Volume 25-No. 2	First Quarter CY2006	Quarterly Journal Archive
06/30/2006	Quarterly Report on Bank Trading and Derivatives Activities: First Quarter 2006	First Quarter 2006	Quarterly Report on Bank Trading and Derivatives Activities
03/31/2006	Quarterly Journal, Volume 25-No. 1	Fourth Quarter CY2005	Quarterly Journal Archive
03/31/2006	Quarterly Report on Bank Trading and Derivatives Activities: Fourth Quarter 2005	Fourth Quarter 2005	Quarterly Report on Bank Trading and Derivatives Activities
12/31/2005	Quarterly Journal, Volume 24-No. 4	Third Quarter CY2005	Quarterly Journal Archive
12/21/2005	Quarterly Report on Bank Trading and Derivatives Activities: Third Quarter 2005	Third Quarter 2005	Quarterly Report on Bank Trading and Derivatives Activities
12/15/2005	Survey of Credit Underwriting Practices	December 2004	Survey of Credit Underwriting Practices Archive
12/15/2005	Survey of Credit Underwriting Practices	December 2005	Survey of Credit Underwriting Practices Archive
09/30/2005	Quarterly Journal, Volume 24-No. 3	Second Quarter CY 2005	Quarterly Journal Archive
09/30/2005	Quarterly Report on Bank Trading and Derivatives Activities: Second Quarter 2005	Second Quarter 2005	Quarterly Report on Bank Trading and Derivatives Activities
09/15/2005	Searching for an Optimal Strategy for Identifying Files to Review for Fair Lending Exams (WP 2005-3)	September 2005	Economics Working Papers Archive
08/15/2005	Searching for Age and Gender Discrimination in Mortgage Lending (WP 2005-2)	August 2005	Economics Working Papers Archive
06/30/2005	Quarterly Journal, Volume 24-No. 2	First Quarter CY2005	Quarterly Journal Archive
06/24/2005	Quarterly Report on Bank Trading and Derivatives Activities: First Quarter 2005	First Quarter 2005	Quarterly Report on Bank Trading and Derivatives Activities
05/15/2005	A Hazard Model of CAMELS Downgrades of Low-Risk Community Banks (WP 2005-1)	May 2005	Economics Working Papers Archive
03/31/2005	Quarterly Journal, Volume 24-No. 1	Year-End and Fourth Quarter CY2004	Quarterly Journal Archive
03/11/2005	Quarterly Report on Bank Trading and Derivatives Activities: Fourth Quarter 2004	Fourth Quarter 2004	Quarterly Report on Bank Trading and Derivatives Activities
12/31/2005	Quarterly Journal, Volume 23-No. 4	Third Quarter CY2004	Quarterly Journal Archive
12/21/2004	Quarterly Report on Bank Trading and Derivatives Activities: Third Quarter 2004	Third Quarter 2004	Quarterly Report on Bank Trading and Derivatives Activities
12/15/2004	Specification and Informational Issues in Credit Scoring (WP 2004-5)	December 2004	Economics Working Papers Archive
12/15/2004	The Wealth Effects of OCC Preemption Announcements After the Passage of the Georgia Fair Lending Act (WP 2004-4)	December 2004	Economics Working Papers Archive
10/15/2004	Testing Simple Markov Structures for Credit Rating Transitions (WP 2004-3)	October 2004	Economics Working Papers Archive
09/30/2004	Quarterly Journal, Volume 23-No. 3	Second Quarter CY2004	Quarterly Journal Archive
09/24/2004	Quarterly Report on Bank Trading and Derivatives Activities: Second Quarter 2004	Second Quarter 2004	Quarterly Report on Bank Trading and Derivatives Activities
09/15/2004	Evaluating Design Choices in Economic Capital Modeling: A Loss Function Approach (WP 2004-2)	September 2004	Economics Working Papers Archive
06/30/2004	Quarterly Journal, Volume 23-No. 2	First Quarter CY2004	Quarterly Journal Archive
06/18/2004	Quarterly Report on Bank Trading and Derivatives Activities: First Quarter 2004	First Quarter 2004	Quarterly Report on Bank Trading and Derivatives Activities
03/12/2004	Quarterly Report on Bank Trading and Derivatives Activities: Fourth Quarter 2003	Fourth Quarter 2003	Quarterly Report on Bank Trading and Derivatives Activities
01/15/2004	Comparative International Characteristics of Banking (WP 2004-1)	January 2004	Economics Working Papers Archive
12/31/2004	Quarterly Journal, Volume 22-No. 4	Third Quarter CY2003	Quarterly Journal Archive
12/15/2003	Survey of Credit Underwriting Practices	December 2003	Survey of Credit Underwriting Practices Archive
12/12/2003	Quarterly Report on Bank Trading and Derivatives Activities: Third Quarter 2003	Third Quarter 2003	Quarterly Report on Bank Trading and Derivatives Activities
09/30/2003	Quarterly Journal, Volume 22-No. 3	Second Quarter CY2003	Quarterly Journal Archive
09/12/2003	Quarterly Report on Bank Trading and Derivatives Activities: Second Quarter 2003	Second Quarter 2003	Quarterly Report on Bank Trading and Derivatives Activities
06/30/2003	Quarterly Journal, Volume 22-No. 2	First Quarter CY2003	Quarterly Journal Archive
06/06/2003	Quarterly Report on Bank Trading and Derivatives Activities: First Quarter 2003	First Quarter 2003	Quarterly Report on Bank Trading and Derivatives Activities
03/31/2003	Quarterly Journal, Volume 23-No. 1	Fourth Quarter 2003	Quarterly Journal Archive
03/15/2003	A Markov Model of Bank Failure Estimated Using an Information-Theoretic Approach (WP 2003-1)	March 2003	Economics Working Papers Archive
03/15/2003	Under-specified Models and Detection of Discrimination in Mortgage Lending (WP 2003-2)	March 2003	Economics Working Papers Archive
03/12/2003	Quarterly Report on Bank Trading and Derivatives Activities: Fourth Quarter 2002	Fourth Quarter 2002	Quarterly Report on Bank Trading and Derivatives Activities
12/31/2003	Quarterly Journal, Volume 21-No. 4	Third Quarter	Quarterly Journal Archive
12/15/2002	Survey of Credit Underwriting Practices	December 2002	Survey of Credit Underwriting Practices Archive
12/13/2002	Quarterly Report on Bank Trading and Derivatives Activities: Third Quarter 2002	Third Quarter 2002	Quarterly Report on Bank Trading and Derivatives Activities
09/30/2002	Quarterly Journal, Volume 21-No. 3	Second Quarter	Quarterly Journal Archive
09/15/2002	A Cross-Country Analysis of the Bank Supervisory Framework and Bank Performance (WP 2002-2)	September 2002	Economics Working Papers Archive
09/05/2002	Quarterly Report on Bank Trading and Derivatives Activities: Second Quarter 2002	Second Quarter 2002	Quarterly Report on Bank Trading and Derivatives Activities
06/30/2002	Quarterly Journal, Volume 21-No. 2	First Quarter	Quarterly Journal Archive
06/15/2002	Charter Flips by National Banks (WP 2002-1)	June 2002	Economics Working Papers Archive
06/05/2002	Quarterly Report on Bank Trading and Derivatives Activities: First Quarter 2002	First Quarter 2002	Quarterly Report on Bank Trading and Derivatives Activities
03/31/2002	Quarterly Journal, Volume 21-No. 1	Fourth Quarter and Year-End	Quarterly Journal Archive
03/31/2002	Quarterly Journal, Volume 22-No. 1	Fourth Quarter CY2002	Quarterly Journal Archive
03/07/2002	Quarterly Report on Bank Trading and Derivatives Activities: Fourth Quarter 2001	Fourth Quarter 2001	Quarterly Report on Bank Trading and Derivatives Activities
12/31/2002	Quarterly Journal, Volume 20-No. 4	Third Quarter	Quarterly Journal Archive
12/15/2001	Survey of Credit Underwriting Practices	December 2001	Survey of Credit Underwriting Practices Archive
12/15/2001	Survey of Credit Underwriting Practices	December 2001	Survey of Credit Underwriting Practices Archive
12/15/2001	The Impact of the Growth of Large, Multistate Banking Organizations on Community Bank Profitability (WP 2001-5)	December 2001	Economics Working Papers Archive
12/07/2001	Quarterly Report on Bank Trading and Derivatives Activities: Third Quarter 2001	Third Quarter 2001	Quarterly Report on Bank Trading and Derivatives Activities
09/30/2001	Quarterly Journal, Volume 20-No. 3	Second Quarter	Quarterly Journal Archive
09/15/2001	A Markov View of Bank Consolidation: 1960-2000 (WP 2001-4)	September 2001	Economics Working Papers Archive
09/07/2001	Quarterly Report on Bank Trading and Derivatives Activities: Second Quarter 2001	Second Quarter 2001	Quarterly Report on Bank Trading and Derivatives Activities
08/15/2001	How Low Can You Go? An Optimal Sampling Strategy for Fair Lending Exams (WP 2001-3)	August 2001	Economics Working Papers Archive
06/30/2001	Quarterly Journal, Volume 20-No. 2	First Quarter	Quarterly Journal Archive
06/18/2001	Quarterly Report on Bank Trading and Derivatives Activities: First Quarter 2001	First Quarter 2001	Quarterly Report on Bank Trading and Derivatives Activities
06/15/2001	The Effects of Choice-based Sampling and Small-sample Bias on Past Fair Lending Exams (WP 2001-2)	June 2001	Economics Working Papers Archive
03/31/2001	Quarterly Journal, Volume 20-No. 1	Fourth Quarter	Quarterly Journal Archive
03/15/2001	Missing Race Data in HMDA and the Implications for the Monitoring of Fair Lending Compliance (WP 2001-1)	March 2001	Economics Working Papers Archive
03/09/2001	Quarterly Report on Bank Trading and Derivatives Activities: Fourth Quarter 2000	Fourth Quarter 2000	Quarterly Report on Bank Trading and Derivatives Activities
12/31/2001	Quarterly Journal, Volume 19-No. 4	Third Quarter	Quarterly Journal Archive
12/15/2000	Recent Trends in Bank Loan Syndications - Evidence for 1995 to 1999 (WP 2000-10)	December 2000	Economics Working Papers Archive
12/06/2000	Quarterly Report on Bank Trading and Derivatives Activities: Third Quarter 2000	Third Quarter 2000	Quarterly Report on Bank Trading and Derivatives Activities
09/30/2000	Quarterly Journal, Volume 19-No. 3	Second Quarter	Quarterly Journal Archive
09/15/2000	Internet Banking: Developments and Prospects (WP 2000-9)	September 2000	Economics Working Papers Archive
09/15/2000	The Risks and Returns Associated with the Insurance Activities of Foreign Subsidiaries of U.S. Banking Organizations (WP 2000-8)	September 2000	Economics Working Papers Archive
09/05/2000	Quarterly Report on Bank Trading and Derivatives Activities: Second Quarter 2000	Second Quarter 2000	Quarterly Report on Bank Trading and Derivatives Activities
07/15/2000	Interstate Banking, Branching, Organization Size, and Market Rivalry (WP 2000-7)	July 2000	Economics Working Papers Archive
06/30/2000	Quarterly Journal, Volume 19-No. 2	First Quarter	Quarterly Journal Archive
06/06/2000	Quarterly Report on Bank Trading and Derivatives Activities: First Quarter 2000	First Quarter 2000	Quarterly Report on Bank Trading and Derivatives Activities
04/15/2000	Discrete-Time Continuous-State Interest Rate Models (WP 2000-6)	April 2000	Economics Working Papers Archive
04/15/2000	The Repeal of Glass-Steagall and the Advent of Broad Banking (WP 2000-5)	April 2000	Economics Working Papers Archive
03/31/2000	Quarterly Journal, Volume 19-No. 1	Fourth Quarter	Quarterly Journal Archive
03/15/2000	Analysis of Proposals for a Minimum Subordinated Debt Requirement (WP 2000-4)	March 2000	Economics Working Papers Archive
03/15/2000	An Empirical Evaluation of Value at Risk by Scenario Simulation (WP 2000-3)	March 2000	Economics Working Papers Archive
03/13/2000	Quarterly Report on Bank Trading and Derivatives Activities: Fourth Quarter 1999	Fourth Quarter 1999	Quarterly Report on Bank Trading and Derivatives Activities
02/15/2000	Large Bank Retirement Services: A Comparative Practices Study (WP 2000-2)	February 2000	Economics Working Papers Archive
01/15/2000	Predicting Large U.S. Commercial Bank Failures (WP 2000-1)	January 2000	Economics Working Papers Archive
12/31/2000	Quarterly Journal, Volume 18-No. 4	Third Quarter	Quarterly Journal Archive
12/15/1999	Survey of Credit Underwriting Practices	December 1999	Survey of Credit Underwriting Practices Archive
12/15/1999	Factors Influencing a Firm's Adoption of New Reporting Requirements: SFAS 122 and Mortgage Servicers (WP 99-2)	December 1999	Economics Working Papers Archive
12/08/1999	Quarterly Report on Bank Trading and Derivatives Activities: Third Quarter 1999	Third Quarter 1999	Quarterly Report on Bank Trading and Derivatives Activities
09/30/1999	Quarterly Journal, Volume 18-No. 3	Second Quarter	Quarterly Journal Archive
09/14/1999	Quarterly Report on Bank Trading and Derivatives Activities: Second Quarter 1999	Second Quarter 1999	Quarterly Report on Bank Trading and Derivatives Activities
06/30/1999	Quarterly Journal, Volume 18-No. 2	First Quarter	Quarterly Journal Archive
06/24/1999	Quarterly Report on Bank Trading and Derivatives Activities: First Quarter 1999	First Quarter 1999	Quarterly Report on Bank Trading and Derivatives Activities
04/15/1999	The Separation of Banking and Commerce in the United States: an Examination of Principal Issues (WP 99-1)	April 1999	Economics Working Papers Archive
03/31/1999	Quarterly Journal, Volume 18-No. 1	Fourth Quarter	Quarterly Journal Archive
03/25/1999	Quarterly Report on Bank Trading and Derivatives Activities: Fourth Quarter 1998	Fourth Quarter 1998	Quarterly Report on Bank Trading and Derivatives Activities
12/31/1999	Quarterly Journal, Volume 17-No. 4	Third Quarter	Quarterly Journal Archive
12/15/1998	Survey of Credit Underwriting Practices	December 1998	Survey of Credit Underwriting Practices Archive
09/30/1998	Quarterly Journal, Volume 17-No. 3	Second Quarter	Quarterly Journal Archive
09/16/1998	Quarterly Report on Bank Trading and Derivatives Activities: Second Quarter 1998	Second Quarter 1998	Quarterly Report on Bank Trading and Derivatives Activities
09/16/1998	Quarterly Report on Bank Trading and Derivatives Activities: Third Quarter 1998	Third Quarter 1998	Quarterly Report on Bank Trading and Derivatives Activities
06/30/1998	Quarterly Journal, Volume 17-No. 2	First Quarter	Quarterly Journal Archive
06/15/1998	Quarterly Report on Bank Trading and Derivatives Activities: First Quarter 1998	First Quarter 1998	Quarterly Report on Bank Trading and Derivatives Activities
06/10/1998	Quarterly Report on Bank Trading and Derivatives Activities: First Quarter 1996	First Quarter 1996	Quarterly Report on Bank Trading and Derivatives Activities
03/31/1998	Quarterly Journal, Volume 17-No. 1	Fourth Quarter	Quarterly Journal Archive
03/18/1998	Quarterly Report on Bank Trading and Derivatives Activities: Fourth Quarter 1997	Fourth Quarter 1997	Quarterly Report on Bank Trading and Derivatives Activities
02/15/1998	The Securities Activities of the Foreign Subsidiaries of U.S. Banks: Evidence on Risks and Returns (WP 98-2)	February 1998	Economics Working Papers Archive
01/15/1998	Regulatory Distress Costs and Risk-Taking at U.S. Commercial Banks (WP 98-1)	January 1998	Economics Working Papers Archive
12/22/1997	Quarterly Report on Bank Trading and Derivatives Activities: Third Quarter 1997	Third Quarter 1997	Quarterly Report on Bank Trading and Derivatives Activities
12/15/1997	Survey of Credit Underwriting Practices	December 1997	Survey of Credit Underwriting Practices Archive
12/15/1997	Mutual Fund Shareholders: Characteristics, Investor Knowledge, and Sources of Information (WP 97-13)	December 1997	Economics Working Papers Archive
09/22/1997	Quarterly Report on Bank Trading and Derivatives Activities: Second Quarter 1997	Second Quarter 1997	Quarterly Report on Bank Trading and Derivatives Activities
07/15/1997	Large Retail Time Deposits and U.S. Treasury Securities (1986-95): Evidence of a Segmenting Market (WP 97-12)	July 1997	Economics Working Papers Archive
07/01/1997	Quarterly Report on Bank Trading and Derivatives Activities: First Quarter 1997	First Quarter 1997	Quarterly Report on Bank Trading and Derivatives Activities
06/15/1997	Recovering Technologies That Account for Generalized Managerial Preferences: An Application to Banks That Are Not Risk-Neutral (WP 97-11)	June 1997	Economics Working Papers Archive
06/15/1997	Solving an Empirical Puzzle in the Capital Asset Pricing Model (WP 97-10)	June 1997	Economics Working Papers Archive
05/15/1997	Another Day, Another Collar - An Evaluation of the Effects of NYSE Rule 80A on Trading Costs and Intermarket Arbitrage (WP 97-8)	May 1997	Economics Working Papers Archive
05/15/1997	The Competitive Implications of Safety Net-Related Subsidies (WP 97-9)	May 1997	Economics Working Papers Archive
04/15/1997	Out-of-State Entry and the Cost Efficiency of Local Commercial Banks (WP 97-7)	April 1997	Economics Working Papers Archive
03/20/1997	Quarterly Report on Bank Trading and Derivatives Activities: Fourth Quarter 1996	Fourth Quarter 1996	Quarterly Report on Bank Trading and Derivatives Activities
02/16/1997	Par Clearance in the Domestic Exchanges: The Impact of National Banknotes (WP 97-4)	February 1997	Economics Working Papers Archive
02/15/1997	Commercial Banking Structure, Regulation, and Performance: An International Comparison (WP 97-6)	February 1997	Economics Working Papers Archive
02/15/1997	Two Deposit Insurance Funds: In the Public Interest? (WP 97-5)	February 1997	Economics Working Papers Archive
02/15/1997	The Performance of De Novo Commercial Banks (WP 97-3)	February 1997	Economics Working Papers Archive
01/15/1997	Bank Organizational Form and the Risks of Expanded Activities (WP 97-1)	January 1997	Economics Working Papers Archive
01/15/1997	Profit Persistence in Large U.S. Bank Holding Companies: An Empirical Investigation (WP 97-2)	January 1007	Economics Working Papers Archive
12/16/1996	Quarterly Report on Bank Trading and Derivatives Activities: Third Quarter 1996	Third Quarter 1996	Quarterly Report on Bank Trading and Derivatives Activities
12/15/1996	Survey of Credit Underwriting Practices	December 1996	Survey of Credit Underwriting Practices Archive
11/15/1996	A Diagnostic Test for the Distribution-Free Efficiency Estimator: An Example Using U.S. Commercial Bank Data (WP 96-2)	November 1996	Economics Working Papers Archive
09/13/1996	Quarterly Report on Bank Trading and Derivatives Activities: Second Quarter 1996	Second Quarter 1996	Quarterly Report on Bank Trading and Derivatives Activities
08/15/1996	Improving Value-at-Risk Estimates by Combining Kernal Estimation with Historical Simulation (WP 96-1)	August 1996	Economics Working Papers Archive
03/20/1996	Quarterly Report on Bank Trading and Derivatives Activities: Fourth Quarter 1995	Fourth Quarter 1995	Quarterly Report on Bank Trading and Derivatives Activities
12/15/1995	Survey of Credit Underwriting Practices	December 1995	Survey of Credit Underwriting Practices Archive
12/15/1995	Problem Loans and Cost Efficiency in Commercial Banks (WP 95-5)	December 1995	Economics Working Papers Archive
09/15/1995	Out-of-State Holding Company Affiliation and Small Business Lending (WP 95-4)	September 1995	Economics Working Papers Archive
04/16/1995	Foreign-Owned Banks in the U.S.: Earning Market Share or Buying It? (WP 95-2)	April 1995	Economics Working Papers Archive
04/15/1995	Banking Industry Consolidation: Past Changes and Implications for the Future (WP 95-1)	April 1995	Economics Working Papers Archive
04/15/1995	Evaluating Statistical Models of Mortgage Lending Discrimination: A Bank-Specific Analysis (WP 95-3)	April 1995	Economics Working Papers Archive
12/15/1994	Securitization of Small Business Loans (WP 94-8)	December 1994	Economics Working Papers Archive
10/15/1994	Information and Accuracy in Interest-Rate-Risk Simulation (WP 94-7)	October 1994	Economics Working Papers Archive
09/15/1994	Risk-Based Capital, Portfolio Risk, and Bank Capital: A Simultaneous Equations Approach (WP 94-6)	September 1994	Economics Working Papers Archive
05/16/1994	Are Foreign Banks Out-Competing U.S. Banks in the U.S. Market? (WP 94-5)	May 1994	Economics Working Papers Archive
05/15/1994	Wealth Effects of Intraholding Company Bank Mergers: Evidence from Shareholder Returns (WP 94-4)	May 1994	Economics Working Papers Archive
04/15/1994	An Evaluation of the Federal Reserve Bank of Boston's Study of Racial Discrimination in Mortgage Lending (WP 94-2)	April 1994	Economics Working Papers Archive
04/15/1994	Fee-Based Services and Cost Efficiency in Commercial Banks (WP 94-3)	April 1994	Economics Working Papers Archive
01/15/1994	X-Efficiency and Management Quality in Commercial Banks (WP 94-1)	January 1994	Economics Working Papers Archive
08/15/1993	Determinants of Cost Efficiencies in Bank Mergers (WP 93-1)	August 1993	Economics Working Papers Archive