The cover story examines why small banks aren't usually thrown for a loop when the local economy has a rough ride

These government-sponsored enterprises continue to make headlines because of their explosive growth and resulting heavyweight status within the nation's financial system.

With higher overhead costs and lower fee income, small banks are in serious danger of getting lapped by their larger competitors. Can community banks find a way to stay on the track?

Easy access to FHLB funds has helped community banks stay afloat in today's competitive markets, but could pose a risk to the FDIC's insurance fund.

Congress opened the door five years ago for banks to enter the insurance and investment arenas, but the expected rush has yet to occur. That's probably fine with critics, who feared that the return of universal banks would bring back Depression-like instability.

The new banking accord could make survival for some regional and community banks more difficult. On the other hand, consumers could see lower mortgage rates.

Deposit-hungry community banks are turning to a new funding tool called the Certificate of Deposit Account Registry Service. The service says it can help smaller banks attract more jumbo deposits from local customers.

The futures market is not a perfect crystal ball. In some cases, it accurately forecasts what spot prices will be in the future. But not always.