FDIC Working Paper Series

2006

• Sources of Historical Banking Panics: A Markov Switching Approach - PDF
  Working Paper 06-01
  Kathleen M. McDill, Kevin P. Sheehan

2005

• Reforming FDIC Insurance with FDIC-Sponsored Deposit Self-Insurance - PDF
  Working Paper 05-04
  Panos Konstas
• Troubled Banks: Why Don't They All Fail? - PDF
  Working Paper 05-03
  Robert Oshinsky, Virginia Olin
• The Sensitivity of Bank Net Interest Margins and Profitability to Credit, Interest-Rate, and Term-Structure Shocks Across Bank Product Specializations - PDF
  Working Paper 05-02
  Gerald Hanweck, Lisa H. Ryu
• Bank Portfolio Exposure to Emerging Markets and Its Effects on Bank Market Value - PDF
  Working Paper 05-01
  Gary S. Fissel, Lawrence Goldberg, Gerald A. Hanweck

2004

• Can the Equity Markets Help Predict Bank Failures? - PDF
  Working Paper 04-3
  Timothy J. Curry, Peter J. Elmer and Gary S. Fissel
• Loan Portfolio Quality and the Diffusion of Technological Innovation - PDF
  Working Paper 04-2
  Robert Hauswald and Robert Marquez
• Resolution Costs and the Business Cycle - PDF
  Working Paper 04-1
  Kathleen McDill

2003

• Dynamic Depositor Discipline in U.S. Banks - PDF
  Working Paper 03-7
  Andrea M. Maechler and Kathleen M. McDill
• Bank Loan Underwriting Practices: Can Examiners' Risk Assessments Contribute to Early-Warning Systems? - PDF
  Working Paper 03-6
  John O'Keefe, Virginia Olin, and Christopher A. Richardson
• Bank Consolidation and Small Business Lending: The Role of Community Banks - PDF
  Working Paper 03-5
  Robert B. Avery and Katherine A. Samolyk
• Market Information, Bank Holding Company Risk, and Market Discipline - PDF
  Working Paper 03-4
  Timothy Curry, Gary Fissel and Gerald Hanweck
• The Contribution of Economic Data to Bank-Failure Models - PDF
  Working Paper 03-3
  Daniel A. Nuxoll
• Bank Consolidation and Small Business Lending within Local Markets - PDF
  Working Paper 03-2
  Katherine Samolyk and Christopher A. Richardson
• Merger Activity as a Determinant of De Novo Entry into Urban Banking Markets - PDF
  Working Paper 03-1
  Steven A. Seelig and Tim Critchfield

2002

• Should Bank Liability Structure Influence Deposit Insurance Pricing? - PDF
  Working Paper 02-1
  Lynn Shibut

2001

• Financial Intermediation and Commitments to Optimal Investment Strategies - PDF
  Working Paper 01-3
  Donald P. Morgan and Katherine Samolyk
• Evaluating the Adequacy of the Deposit Insurance Fund: A Credit-Risk Modeling Approach - PDF
  Working Paper 01-2
  Rosalind L. Bennett
• Regulator Use of Market Data to Improve the Identification of Bank Financial Distress - PDF
  Working Paper 01-1
  Timothy J. Curry, Peter J. Elmer and Gary S.Fissel

2000

• Bank Consolidation and the Provision of Banking Services: The Case of Small Commercial Loans - PDF
  Working Paper 00-1
  Robert B. Avery and Katherine Samolyk

1999

• Merging the BIF and the SAIF: Would a Merger Improve the Funds' Viability? - PDF
  Working Paper 99-4
  Robert Oshinsky
• Effects of Bank Consolidation on the Bank Insurance Fund - PDF
  Working Paper 99-3
  Robert Oshinsky
• Determinants of Multifamily Mortgage Default - PDF
  Working Paper 99-2
  Wayen R. Archer, Peter J. Elmer, David M. Harrision and Savid C. Ling

1998

• Insolvency, Trigger Events, and Consumer Risk Posture in the Theory of Single-Family Mortgage Default - PDF
  Working Paper 98-3
  Peter J. Elmer and Steven A. Seelig
• The Rising Long-Term Trend of Single-Family Mortgage Foreclosure Rates - PDF
  Working Paper 98-2
  Peter J. Elmer and Steven A. Seelig
• Capitalization of the Bank Insurance Fund - PDF
  Working Paper 98-1
  Kevin P. Sheehan

1997

• A Choice-Theoretic Model of Single-Family Mortgage Default - PDF
  Working Paper 97-1
  Peter J. Elmer