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FDIC Banking Review

1995 - Vol. 8, No. 1


  Ricki R. Tigert

Division of Research
and Statistics,

Wm. Roger Watson

Deputy Directors

Arthur J. Murton


George E. French

Editorial Committee

Federick S. Carns
James L. Freund
Detta Voesar

Managing Editor

  James L. Freund
Detta Voesar


  Matthew T. Billett
Christine E. Blair
Richard A. Brown
Gary S. Fissel
David S. Holland
John P. O'Keefe

Editorial Secretary

  Cathy Wright

Design and Production

  Geri Bonebrake

Understanding the Experience of Converted New England Savings Banks
(286kb PDF File - PDF help or hard copy)

by Jennifer L. Eccles and John P. O'Keefe

The authors summarize the environment surrounding New England savings banks in the 1980s, motivations for mutual-to-stock conversion, and the strategies employed by savings banks after conversion. The financial performance of converted savings banks is compared with that of non-converted mutual savings banks in the region, and asset growth rates necessary to produce a sufficient return to investors are estimated. The authors conclude that growth rates required by the New England converted savings banks were high. Because rapid growth can be risky, such fundamental changes in a bank's operating strategy require careful planning and execution in order to be successful.

Recent Cutbacks in Construction Lending at BIF-Insured Depository Institutions
(116kb PDF File - PDF help or hard copy)

by James L. Freund and Maureen C. Crowley

One of the most discussed aspects of the . credit crunch. of the 1990-1992 period was the sharp decline in construction lending at BIF-insured depository institutions. This article examines construction lending during that period. The authors show that the banks that cut back most aggressively had a heavy commitment to such lending in the late 1980s and/or were experiencing general earnings or capital problems. In contrast, various tests designed to capture the influence of real-estate market developments that might affect the demand for construction loans did not help to explain lending patterns.

Recent Developments Affecting Depository Institutions
(296kb PDF File - PDF help or hard copy)

by Benjamin B. Christopher

This regular feature of the FDIC Banking Review contains information on regulatory agency actions, state legislation and regulation, and articles and studies pertinent to banking and deposit insurance issues

Banking Review - 1995 - Vol. 8 No. 1, Full Edition
(725kb PDF File - PDF help or hard copy)

The views expressed are those of the authors and do not necessarily reflect official positions of the Federal Deposit Insurance Corporation. Articles may be reprinted or abstracted if the FDIC Banking Review and author(s) are credited. Please provide the FDIC's Division of Research and Statistics with a copy of any publications containing reprinted material.

Single-copy subscriptions are available to the public free of charge. Requests for subscriptions, back issues or address changes should be mailed to: FDIC Banking Review, Office of Corporate Communications, Federal Deposit Insurance Corporation, 550 17th Street, N.W., Washington, DC  20429.

Last Updated 8/17/2000 Questions, Suggestions & Requests

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