An examination of the competitive importance of thrift institutions in supplying financial services to local commercial customers. Based on empirical findings, a method is presented to adjust the market share of loan associations.

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 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.

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.