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FDIC Banking Review

2004 Volume 16, Nos. 3 and 4

This year's FDIC Banking Review features papers from the FDIC's Future of Banking project. Initiated by Chairman Donald Powell, the study projects likely trends in the structure and performance of the banking industry and anticipates the policy issues that will confront the industry and the regulatory community in the coming years.

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The Future of Banking in America

Community Banks: Their Recent Past, Current Performance, and Future Prospects PDF (349k)
by Tim Critchfield, Tyler Davis, Lee Davison, Heather Gratton, George Hanc, and Katherine Samolyk

Examining U.S. community banks from 1985-2003, this paper explores trends in their numbers, activities, and performance, as well as their future prospects.

Rural Depopulation: What Does It Mean for the Future Economic Health of Rural Areas and the Community Banks that Support Them? PDF (809k)
by Jeffrey Walser and John Anderlik

The United States is currently in the midst of a major demographic event: the depopulation of its rural counties. This paper examines the implications of this trend for insured financial institutions headquartered in these counties.

The Mixing of Banking and Commerce: Current Policy Issues PDF (230k)
by Christine E. Blair

Does the mixing of banking and commerce constitute good public policy? This paper revisits the debate.

The Changing Corporate Governance Environment: Implications for the Banking Industry PDF (194k)
by Valentine V. Craig

This article examines the evolving U.S. corporate governance environment to assess the implications of this changing environment for banks.

Banking Review - 2004 - Vol. 16 No. 3 & 4, Full Edition (1,455k)

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 Insurance and Research 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, Public Information Center, 801 17th Street, N.W., Washington, DC 20434.

Chairman Donald E. Powell
Director, Division of Insurance and Research Arthur J. Murton
Deputy Director Fred Carns
Managing Editor Jack Reidhill
Editorial Committee Christine E. Blair
Valentine V. Craig
Rose M. Kushmeider
Publication Manager Geri Bonebrake



Last Updated 02/11/2005 Questions, Suggestions & Requests