publications
Central Banker

Central Banker
Central Banker is a quarterly overview of Federal Reserve policies, initiatives and news affecting financial institutions in the Eighth District.
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Spring 2012
Will Community Bank Returns on Equity Return to Precrisis Levels?
It is possible ROE will settle in at a lower-than-precrisis historical rate, leading to a resetting of performance expectations by community bank stakeholders.
Quarterly Report: Bank Performance Continues on Meandering Path
The slight uptick in bank earnings experienced by District banks and their U.S. peers in the third quarter did not carry over into the final quarter of 2011.
In-Depth: Where Housing Markets Lead in 2012, Eighth District Economies Are Likely to Follow
While some measures of Eighth District housing-market activity recently showed signs of life, it’s not clear yet if it is cause for cautious optimism in the economic outlook.
In-Depth: ALLL Best Practices: Keep the Appropriate Allowance for Loan and Lease Losses Reserve
Central View: Many Community Banks Must Make Tough ROE Choices
Statewide Bank Conditions for Fourth Quarter 20111
In-Depth: St. Louis Fed President James Bullard Explores the “Death of a Theory”
The “Dialogue” Resumes this Spring with the European Sovereign Debt Crisis
Central Banker Online-only Content
Recent St. Louis Fed Banking and Economic Research
St. Louis Fed’s 2012 Community Depository Institutions Advisory Council Meets








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