The Working Paper Series of the FDIC's Division of Insurance and Research provides the research community and other interested parties with the results of research efforts by economists in the Division. Since much of the research is ongoing, the authors welcome comments from readers. Working Papers should not be reproduced without prior approval from the author.
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Available Papers:
Sources of Historical Banking Panics: A Markov Switching Approach - PDF (239k)
Working Paper 06-01
Kathleen M. McDill, Kevin P. Sheehan
Reforming FDIC Insurance with FDIC-Sponsored Deposit Self-Insurance - PDF
(220k) | HTML
Working Paper 05-04 Panos Konstas
Troubled Banks : Why Don’t They All Fail? - PDF (176k)
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 (367k)
Working Paper 05-02 Gerald Hanweck, Lisa H. Ryu
Bank Portfolio Exposure to Emerging Markets and Its Effects on Bank Market Value - PDF (222k)
Working Paper 05-01 Gary S. Fissel, Lawrence Goldberg, Gerald A. Hanweck
Can the Equity Markets Help Predict Bank Failures? - PDF (363k)
Working Paper 04-3 Timothy J. Curry, Peter J. Elmer and Gary S. Fissel
Loan Portfolio Quality and the Diffusion of Technological Innovation - PDF (266k) Working Paper 04-2 Robert Hauswald and Robert Marquez
Resolution Costs and the Business Cycle - PDF (90k) Working Paper 04-1 Kathleen McDill
Dynamic Depositor Discipline in U.S. Banks - PDF (144k) | HTML
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 (168k) | HTML 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 (258k) | HTML Working Paper 03-5 Robert B. Avery and Katherine A. Samolyk
Market Information, Bank Holding Company Risk, and Market Discipline - PDF (784k) | HTML Working Paper 03-4 Timothy Curry, Gary Fissel and Gerald Hanweck
The Contribution of Economic Data to Bank-Failure Models - PDF (91k) | HTML
Working Paper 03-3 Daniel A. Nuxoll
Bank Consolidation and Small Business Lending within Local Markets - PDF (117k) | HTML Working Paper 03-2 Katherine Samolyk and Christopher A. Richardson
Merger Activity as a Determinant of De Novo Entry into Urban Banking Markets - PDF (55k) | HTML Working Paper 03-1 Steven A. Seelig and Tim Critchfield
Should Bank Liability Structure Influence Deposit Insurance Pricing? - PDF (442k) | HTML Working Paper 02-1 Lynn Shibut
Financial Intermediation and Commitments to Optimal Investment Strategies - PDF (854k) Working Paper 01-3 Donald P. Morgan and Katherine Samolyk
Evaluating the Adequacy of the Deposit Insurance Fund: A Credit-Risk Modeling Approach - PDF (383k) | HTML Working Paper 01-2 Rosalind L. Bennett
Regulator Use of Market Data to Improve the Identification of Bank Financial Distress - PDF (172k) | HTML Working Paper 01-1 Timothy J. Curry, Peter J. Elmer and Gary S.Fissel
Bank Consolidation and the Provision of Banking Services: The Case of Small Commercial Loans - PDF (155k) Working Paper 00-1 Robert B. Avery and Katherine Samolyk
Merging the BIF and the SAIF: Would a Merger Improve the Funds' Viability? - PDF (45k) Working Paper 99-4 Robert Oshinsky
Effects of Bank Consolidation on the Bank Insurance Fund - PDF (98k) Working Paper 99-3 Robert Oshinsky
Determinants of Multifamily Mortgage Default - PDF (140k) Working Paper 99-2 Wayen R. Archer, Peter J. Elmer, David M. Harrision and Savid C. Ling
Insolvency, Trigger Events, and Consumer Risk Posture in the Theory of Single-Family Mortgage Default - PDF (98k) Working Paper 98-3 Peter J. Elmer and Steven A. Seelig
The Rising Long-Term Trend of Single-Family Mortgage Foreclosure Rates - PDF (169k) Working Paper 98-2 Peter J. Elmer and Steven A. Seelig
Capitalization of the Bank Insurance Fund - PDF (125k) Working Paper 98-1 Kevin P. Sheehan
A Choice-Theoretic Model of Single-Family Mortgage Default - PDF (1,370k) Working Paper 97-1 Peter J. Elmer
Any Comments and Questions regarding the FDIC Working Paper Series should be directed to:
Jack Reidhill
Federal Deposit Insurance Corporation
Division of Insurance and Research
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Washington, DC 20429
Phone: (202) 898-7371
Email: jreidhill@fdic.gov
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