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Central Banker

Spring 2013

Community Bank Lending during the Financial Crisis

The total volume of loans held by community banks peaked in 2008 and dropped during the financial crisis and Great Recession.  Total loans bottomed out in 2011 and, as of December 2012, have only recovered to a level roughly 10 percent below their 2008 peak.  During this period, both demand and supply factors undoubtedly played roles in the change in bank lending.

In-Depth: Can FASB Get Loan Loss Accounting Just Right?

The Financial Accounting Standards Board (FASB) recently released a proposal that would change the way financial institutions set aside funds to cover losses on loans, debt securities and other assets.  Under current accounting rules, the allowance for loan and lease losses is based on incurred losses; the new model, if adopted, would require the allowance to be established for losses expected over the life of the loan based on current and future economic conditions, historical losses, and other factors.

Central View: The Global Battle Over Central Bank Independence

In-Depth: Is the Fed Monetizing Government Debt?

Quarterly Report: Fourth-Quarter 2012 Banking Performance

In-Depth: St. Louis Fed's CDIAC Holds First Meeting of 2013

Upcoming Annual Report Looks at Household Balance Sheets

Central Banker Online-only Content

Financial Market Utilities, Mortgage Servicing among Latest Dodd-Frank Act Proposed and Final Rules

• Comment on Proposed Fed Rules for Financial Market Utilities and Enhanced Prudential Standards
• CFPB Releases Final Rules Related to Mortgage Servicing and Other Standards

Recent St. Louis Fed Banking and Economic Research

• Latest St. Louis Fed Burgundy Books Quarterly Economic Data
• Agricultural Finance Monitor Looks at Farmland Sale Trends
• Job Polarization Leaves Middle-Skilled Workers Out in the Cold
• Why Are Corporations Holding So Much Cash?
• Residential Real Estate: Rent or Buy?
• Measuring the Contribution of Construction to the Slow Recovery