FDIC Working Paper Series

The FDIC Working Paper Series predated the Center for Financial Research Working Paper Series and was discontinued in 2006.

The FDIC Working Paper Series provides the research community and other interested parties with the results of research efforts by economists in the Division. Since the research is preliminary, the working papers should not be cited without prior approval from the author.

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

• Sources of Historical Banking Panics: A Markov Switching Approach - PDF
  Working Paper 06-01
  Kathleen M. McDill, Kevin P. Sheehan

2005

• Reforming FDIC Insurance with FDIC-Sponsored Deposit Self-Insurance - PDF
  Working Paper 05-04
  Panos Konstas
• Troubled Banks: Why Don't They All Fail? - PDF
  Working Paper 05-03
  Robert Oshinsky, Virginia Olin
• The Sensitivity of Bank Net Interest Margins and Profitability to Credit, Interest-Rate, and Term-Structure Shocks Across Bank Product Specializations - PDF
  Working Paper 05-02
  Gerald Hanweck, Lisa H. Ryu
• Bank Portfolio Exposure to Emerging Markets and Its Effects on Bank Market Value - PDF
  Working Paper 05-01
  Gary S. Fissel, Lawrence Goldberg, Gerald A. Hanweck

2004

• Can the Equity Markets Help Predict Bank Failures? - PDF
  Working Paper 04-3
  Timothy J. Curry, Peter J. Elmer and Gary S. Fissel
• Loan Portfolio Quality and the Diffusion of Technological Innovation - PDF
  Working Paper 04-2
  Robert Hauswald and Robert Marquez
• Resolution Costs and the Business Cycle - PDF
  Working Paper 04-1
  Kathleen McDill

2003

• Dynamic Depositor Discipline in U.S. Banks - PDF
  Working Paper 03-7
  Andrea M. Maechler and Kathleen M. McDill
• Bank Loan Underwriting Practices: Can Examiners' Risk Assessments Contribute to Early-Warning Systems? - PDF
  Working Paper 03-6
  John O'Keefe, Virginia Olin, and Christopher A. Richardson
• Bank Consolidation and Small Business Lending: The Role of Community Banks - PDF
  Working Paper 03-5
  Robert B. Avery and Katherine A. Samolyk
• Market Information, Bank Holding Company Risk, and Market Discipline - PDF
  Working Paper 03-4
  Timothy Curry, Gary Fissel and Gerald Hanweck
• The Contribution of Economic Data to Bank-Failure Models - PDF
  Working Paper 03-3
  Daniel A. Nuxoll
• Bank Consolidation and Small Business Lending within Local Markets - PDF
  Working Paper 03-2
  Katherine Samolyk and Christopher A. Richardson
• Merger Activity as a Determinant of De Novo Entry into Urban Banking Markets - PDF
  Working Paper 03-1
  Steven A. Seelig and Tim Critchfield

2002

• Should Bank Liability Structure Influence Deposit Insurance Pricing? - PDF
  Working Paper 02-1
  Lynn Shibut

2001

• Financial Intermediation and Commitments to Optimal Investment Strategies - PDF
  Working Paper 01-3
  Donald P. Morgan and Katherine Samolyk
• Evaluating the Adequacy of the Deposit Insurance Fund: A Credit-Risk Modeling Approach - PDF
  Working Paper 01-2
  Rosalind L. Bennett
• Regulator Use of Market Data to Improve the Identification of Bank Financial Distress - PDF
  Working Paper 01-1
  Timothy J. Curry, Peter J. Elmer and Gary S.Fissel

2000

• Bank Consolidation and the Provision of Banking Services: The Case of Small Commercial Loans - PDF
  Working Paper 00-1
  Robert B. Avery and Katherine Samolyk

1999

• Merging the BIF and the SAIF: Would a Merger Improve the Funds' Viability? - PDF
  Working Paper 99-4
  Robert Oshinsky
• Effects of Bank Consolidation on the Bank Insurance Fund - PDF
  Working Paper 99-3
  Robert Oshinsky
• Determinants of Multifamily Mortgage Default - PDF
  Working Paper 99-2
  Wayen R. Archer, Peter J. Elmer, David M. Harrision and Savid C. Ling

1998

• Insolvency, Trigger Events, and Consumer Risk Posture in the Theory of Single-Family Mortgage Default - PDF
  Working Paper 98-3
  Peter J. Elmer and Steven A. Seelig
• The Rising Long-Term Trend of Single-Family Mortgage Foreclosure Rates - PDF
  Working Paper 98-2
  Peter J. Elmer and Steven A. Seelig
• Capitalization of the Bank Insurance Fund - PDF
  Working Paper 98-1
  Kevin P. Sheehan

1997

• A Choice-Theoretic Model of Single-Family Mortgage Default - PDF
  Working Paper 97-1
  Peter J. Elmer