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publications
Michelle Clark Neely
Quarterly Report: Earnings and Asset Quality Trending Up in District, Nation
Two “Dialogue with the Fed” public events—one in English and one in Spanish—explored the reasons behind Europe’s sovereign debt crisis and what the implications may be for the United States.
(0 Reviews)
In-Depth: Is the End Near for the Popular Transaction Account Guarantee Program?
The Dodd-Frank superseded and extended the coverage of the FDIC’s popular TAG program, which is set to expire on Dec. 31, 2012. Opinions are divided among numerous bankers, banking organizations, lawmakers and others on whether TAG should continue or terminate.
(0 Reviews)
Quarterly Report: Bank Performance Continues on Meandering Path
The slight uptick in bank earnings experienced by District banks and their U.S. peers in the third quarter did not carry over into the final quarter of 2011.
(0 Reviews)
Quarterly Report: Banking Conditions on the Upswing in District, Nation
(3 Reviews)
Quarterly Report: Earnings Growth Stalls in Second Quarter, Asset Quality Is Steady in District
After a large increase in the first quarter of 2011, earnings growth at District banks came to a standstill in the second quarter.
(3 Reviews)
Quarterly Report: District Banks’ Profits Are Up, Asset Quality Is Not
Bank earnings rose dramatically in the Eighth District and U.S. peer institutions in the first quarter of 2011, primarily because of a sharp drop in funds set aside to cover future loan losses.
(0 Reviews)
Quarterly Report: District, U.S. Peer Banks Still Navigating Difficult Waters
(0 Reviews)
Quarterly Report: A Mixed Bag for District, Peer Banks
(9 Reviews)
Quarterly Report: More Signs of Improvement for District, Peer Banks
(4 Reviews)
Quarterly Report: Are District and U.S. Banks on the Mend?
Earnings are up but so is loan delinquency
(6 Reviews)
Quarterly Report: Two Steps Forward, One Step Back for District Banks in Fourth Quarter
After two straight quarters of slight improvement, profitability at Eighth District banks dipped in fourth quarter 2009.
(0 Reviews)
Commercial Real Estate Lending Challenges Banks in District
The numbers provide clues to project when commercial and industrial vacancy rates will finally peak in several District metro areas.
(17 Reviews)
Quarterly Report: Profits Up at District Banks, but Problem Assets Cloud the Outlook
(1 Reviews)
Quarterly Report: Banks Still Ailing in District and U.S.
(5 Reviews)
Quarterly Report: Slump Persists for District and U.S. Banks
Earnings and asset quality at District and U.S. banks continued their downward slide in the first quarter of 2009.
(3 Reviews)
Quarterly Report: Performance Ratios Go from Bad to Worse at District and U.S. Banks
(4 Reviews)
Quarterly Report: Gloomy Times Continue at District Banks
In response to tight credits and a still-weakening economy, District banks and their U.S. peers continued their descent in the third quarter.
(1 Reviews)
Quarterly Report: District Banks Face Tough Times but Outperform U.S. Peers
Earnings and asset quality remained weak throughout the Eighth District in the second quarter.
(0 Reviews)
Quarterly Report: District Banks: Profits Steady, But Problem Loans Mount
(0 Reviews)
Quarterly Report: District Banks Face Challenging Environment
(0 Reviews)
Industrial Loan Companies Come Out of the Shadows
The Regional Economist | July 2007
Despite being around for nearly a century, industrial banks have been in the spotlight only in the past couple of years. That's largely because of who wants to own them—big-box retailers like The Home Depot and Wal-Mart.
(2 Reviews)
Paper Tigers? How the Asian Economies Lost Their Bite
The Regional Economist | January 1999
Until mid-1997, the tigers of Southeast Asia were the envy of the economic kingdom. So what happened? It’s not a simple “tail” to tell.
(0 Reviews)
Personal Bankruptcy: The New American Pastime?
The Regional Economist | October 1998
This year has been a great one for major league baseball. In the game of personal finances, however, it’s been a bust. Why are so many Americans swinging for the fences, but whiffing instead?
(0 Reviews)
Does Big Business Need Taming? The Role of Economics in Antitrust Law
The Regional Economist | July 1998
With industry consolidation continuing apace, economists are increasingly being tapped to provide insight into regulators’ least-favorite game: Monopoly.
(0 Reviews)
Both a Lender and a Borrower Be: Banks Cope with a Deposit Shortage
The Regional Economist | January 1998
With deposits falling and loan demand rising, what’s a bank to do? Many banks are selling securities to fund loans, others are turning to their local Federal Home Loan Banks.
(0 Reviews)
FHLB System Loans a Hand to District Banks
Strategy is not without its risks.
(0 Reviews)
What Price Convenience? The ATM Surcharge Debate
The Regional Economist | July 1997
Millions of Americans are hooked on the convenience of ATMs. But ready cash is getting more expensive. Should policymakers butt in or let the marketplace decide?
(3 Reviews)
The Regional Economist | January 1997
Will the Treasury Department’s new inflation-indexed bond prove to be the bond “with the Midas touch”?
(1 Reviews)
Shaking the Third Rail: Reforming Social Security
The Regional Economist | October 1996
Talk about changing Social Security used to be political poison. But increasing recognition of the program’s long-term problems has put reform near the top of the national agenda.
(0 Reviews)
Investment Improvement: Adding Duration to the Toolbox
The Regional Economist | April 1996
Looking for a better way to measure investment risk? Duration could be the answer.
(1 Reviews)
Will the Mutual Fund Boom Be a Bust for Banks?
The Regional Economist | October 1995
The mutual fund feeding frenzy has enticed many bankers to venture into investment waters. Will they sink or swim?
(0 Reviews)
Commercial & Investment Banking: Should This Divorce Be Saved?
The Regional Economist | April 1995
Since the 1930s, when commercial and investment banking were first split apart, the rationale for such a separation has been called into question. Today, it may finally be time to reunite the two and let banks diversify into other lines of business.
(3 Reviews)
Homebuyers Bear ARMs in the Mortgage Market
The Regional Economist | January 1995
After 15 years of fine tuning, adjustable rate mortgages have now secured a foothold in the U.S. mortgage market. Find out why ARMs rate so highly with homebuyers and lenders.
(0 Reviews)
The Regional Economist | October 1994
Are they dangerous or benign? Indispensable or iffy? A business-wise method of hedging risk or a disreputable means of speculating? Some plain talk about derivatives.
(2 Reviews)
Going Interstate: A New Dawn For U.S. Banking
The Regional Economist | July 1994
The walls confining banks within state borders appear to be tumbling down. For many states, that will mean very little. For others, it could mean a great deal.
(1 Reviews)
Home Sweet Home in the Eighth District
The Regional Economist | April 1994
Spurred on by low interest rates and a growing economy, homebuilding in the Eighth Federal Reserve District is booming. Can it last?
(0 Reviews)
Making Sense of Mark to Market
The Regional Economist | January 1994
Market value accounting is a serious attempt to bring bank accounting practices out of the Dark Ages. But modernizing accounting practices won’t come easily or cheaply.
(0 Reviews)
Banks And Investment Funds: No Longer Mutually Exclusive
The Regional Economist | October 1993
It's a fast track, and mutual funds have pulled away from the pack in the race for our investment dollars. Part of the surge can be explained by commercial banks' entry into a race they've previously been shut out of.
(0 Reviews)
Eighth District Banks' Recipe for Profits
The Regional Economist | July 1993
Declining interest rates and improved asset quality set a bountiful table for banks in the Eighth Federal Reserve District in 1992. A look back at a satisfying year in banking.
(0 Reviews)
The Pitfalls of Industrial Policy
The Regional Economist | April 1993
Is the United States losing its edge in world markets? Should the federal government step in to help our industries compete? The answer to both questions is probably not.
(2 Reviews)
Health Insurance in America: Searching for a Cure
The Regional Economist | January 1993
How can Americans find and afford health insurance? The private sector offers some innovative answers.
(0 Reviews)
