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FYI is an electronic bulletin summarizing �౦��Ϸ���� analysis of emerging issues in banking and the economy. This publication is no longer produced by the �౦��Ϸ����.

All links on this page reference Portable Document Format (PDF) files. Adobe Acrobat, a reader available for free on the Internet, is required to display or print PDF files.

2006

• October 25, 2006: Highlights from the 2006 Summary of Deposits Data
• March 23, 2006: Scenarios for the Next U.S. Recession
• February 22, 2006: What the Yield Curve Does (and Doesn't) Tell Us

2005

• October 18, 2005: Highlights from the 2005 Summary of Deposits Data
• October 11, 2005: Adjusting the Rules: What Bankruptcy Reform Will Mean for Financial Market Contracts
• May 2, 2005: FYI Revisited - U.S. Home Prices: Does Bust Always Follow Boom?
• March 22, 2005: Bridging the Information Gap: How Bankers Can Help the Hispanic Population Realize the American Dream of Homeownership
• February 10, 2005: U.S. Home Prices: Does Bust Always Follow Boom?
• January 26, 2005: 2005 Economic Outlook Roundtable The U.S. Consumer: Hero or Has-Been?

2004

• October 20, 2004: Branching Continues to Thrive as the U.S. Banking System Consolidates
• September 22, 2004: Delivery Systems for Financial Education in Theory and Practice
• August 5, 2004: �౦��Ϸ���� Publishes Corrections to Basel II Capital Impact Study
• July 9, 2004: Bank Branching Trends and Prospects of Key Banking Sectors
• May 25, 2004: The Impact on U.S. Banking of Payment System Changes
• May 19, 2004: Effects of Interest Rates on Money Market Mutual Funds
• May 18, 2004: Trends in Community Banking
• March 25, 2004: The Evolving Role of Commercial Banks in U.S. Credit Markets
• March 1, 2004: Assessing the Banking Industry's Exposure to an Implicit Government Guarantee of GSEs
• January 13, 2004: Could a Bull Market Be a Panacea for Defined Benefit Pension Plans?

2003

• December 10, 2003: A Portfolio Perspective for Evaluating the Adequacy of the Insurance Funds
• December 8, 2003: Estimating the Capital Impact of Basel II in the United States (Revised August 5, 2004)
• November 5, 2003: Financial Education in a Dynamic Banking Environment
• November 4, 2003: Economic Conditions and Emerging Risks in Banking
• October 28, 2003: The Changing Paradigm in Commercial Real Estate
• September 17, 2003: Evaluating the Consumer Lending Revolution
• June 23, 2003: How Long Can Bank Portfolios Withstand Problems in Commercial Real Estate?
• April 21, 2003: Risk-Based Capital
• March 26, 2003: Derivatives Risk in Commercial Banking
• February 27, 2003: How Real is the Threat of Deflation to the Banking Industry?
• January 29, 2003: Payday Lending
• January 14, 2003: Basel and the Evolution of Capital Regulation: Moving Forward, Looking Back

2002

• November 26, 2002: Quarterly Banking Profile - Commercial Banking Performance, Third Quarter 2002
• October 10, 2002: 2nd Edition of �౦��Ϸ���� Letter to Stakeholders
• October 8, 2002: Syndicated Credits Deteriorate, But at a Slower Pace
• October 3, 2002: �౦��Ϸ���� Looks to Research Used in Private Sector for Pricing and Managing Risk
• September 19, 2002: A Look at Residential and Commercial Real Estate Markets
• September 12, 2002: Bank Insurance Fund Reserve Ratio Above Statutory Minimum - For Now
• September 11, 2002: Progress in the Financial War on Terrorism
• September 5, 2002: Corporate Earnings Growth Suggests Business Sector Recovery
• August 29, 2002: Strong Bank Earnings Reflect Nature of U.S. Downturn
• August 15, 2002: Ten Largest Thrift Companies: Interest-Rate Environment Supports Strong Earnings
• August 8, 2002: Twenty-Five Largest Banking Companies
• July 30, 2002: The Rise of Risk Management: Basel and Beyond
• July 24, 2002: Enhancing Financial Transparency
• July 10, 2002: �౦��Ϸ���� Introduces Quarterly Letter to Stakeholders
• June 20, 2002: Telecommunications Sector, Bruised and Battered, Looks to a Brighter Future
• June 12, 2002: Better Deposit Data Show BIF Below Target in First Quarter
• June 3, 2002: Favorable Interest-Rate Environment Drives Record First-Quarter Bank Earnings
• May 30, 2002: Financial Transparency and Regulatory Policy
• May 23, 2002: New York City's Economy Shows Early Signs of Stabilizing
• May 17, 2002: Ten Largest Thrift Companies
• May 16, 2002: �౦��Ϸ���� Chairman Tackles Regulatory Restructuring
• May 8, 2002: Twenty-five Largest Banking Companies
• April 25, 2002: Refinancing Waves Alter the Landscape for Mortgage Specialists
• April 18, 2002: New Reporting Offers Insight Into Bank Activities
• April 11, 2002: Economic Conditions and Emerging Risks in Banking
• March 28, 2002: Housing Market Strengths and Risks
• March 21, 2002: Weak Fundamentals for U.S. Office Markets
• March 13, 2002: Banks and Thrifts Post Record Earnings, Insurance Funds Slide
• March 11, 2002: Bank Auditing and Accounting Faces Scrutiny
• March 7, 2002: The Effects of the U.S. Economic Slowdown: Houston
• March 1, 2002: �౦��Ϸ���� Notifies Banks that Higher Insurance Premiums Are Possible
• February 27, 2002: Loan Weakness Spreads; Banks' Defenses Hold
• February 21, 2002: Business Credit Flowing Despite Recession
• February 13, 2002: The Twenty Five Largest Banking Companies: Taking Stock of 2001
• February 7, 2002: Subprime Mortgage Lending Faces the Test of a Slowing Economy
• January 31, 2002: Large and Small Companies Exhibit Diverging Bankruptcy Trends