An analysis of deposit holdings of commercial banks and thrifts in the Fourth Federal Reserve District to determine the deposit growth and shifting that resulted from introduction of Super-NOWs and MMDAs.

An examination of bank profitability in a four-state region and a discussion of institutional, operational, and locational differences between the most profitable and least profitable banks.

A discussion of the public and corporate benefits associated with credit insurance underwriting by bank holding companies in the Fourth Federal Reserve District, featuring rate reduction guidelines, performance ratios, and earnings comparisons.

A deposit-pricing survey and comparison of 112 depository institutions in the Fourth Federal Reserve District, covering MMDAs, Super-NOWS, and CDs in an examination of the effect of interest-rate deregulation on banks and thrifts.