A discussion of the deterioration of loan quality and bank earnings, using data from a sample of 84 Ohio banks, and examining the differences between banks with high- and low-quality loans, citing the effects of local economic conditions, lending behavior, and other factors.

An analysis of differences in earnings of the best- and worst- performing savings and loan associations in Ohio, explaining how differences in revenues, expenses, and costs in the last five years have caused the healthy thrifts to perform better and the sick thrifts to perform worse.