A discussion of how thrift competition affects the earnings of banks, using data from a sample of 314 banks from a 14-state area.

A discussion of the fundamental differences between banking service and market areas, a review of methods used by regulatory agencies to define geographical markets, and comment on the findings of a 1981 banking-use survey of 528 small Ohio businesses.

A survey to determine the source of deposit and credit services to small commercial customers, using a sample of 368 Ohio firms with sales under $10 million.

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.

A discussion of the difference between reported profits and economic profits, their behavior in expansions, and the role of the capital consumption adjustment in the NIPA statistics in measuring profits.

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 the surge in bank credit-card lending and the resulting rise in credit-card losses, which causes some banks to have higher charge-off rates than others because of different loan risks.

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 the effects of deregulation on the earnings of Ohio banks in the last decade, finding that the top-performing financial institutions earned even higher returns on assets after deregulation, while the earnings of poorly managed banks deteriorated.

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.