Publications

publications

Gary S. Corner

Will Community Bank Returns on Equity Return to Precrisis Levels?

It is possible ROE will settle in at a lower-than-precrisis historical rate, leading to a resetting of performance expectations by community bank stakeholders.

(0 Reviews)

Agriculture Banks Are Outperforming Their Peers, But How Long Will It Last?

By Gary S. Corner

With soaring commodity prices and farmland values in recent years, banks with an agricultural focus (where at least 25 percent of total loans are production and farmland loans) have outperformed their community bank peers. Find out what risks agriculture banks may face.

(54 Reviews)

What if Debit Card Transactions Exchanged at Par?

By Gary S. Corner

Under a mandate from the Dodd-Frank Act, the Federal Reserve proposed standards for determining whether debit card interchange fees are “reasonable and proportional” to the cost of the transaction.

(32 Reviews)

Asset Quality: Are We There Yet?

By Gary S. Corner

The largest national banks apparently have turned the corner on asset quality issues, but this improving trend has not yet emerging across the Eighth District.

(40 Reviews)

The Changing Landscape of Community Banking

By Gary S. Corner

The demise of the community bank business model has been prognosticated by many, especially with the recent financial crisis. But what do the numbers suggest for the future?