WELCOME!  You are visitor number to this web page since January 1, 2000.  If you have any questions or comments, please contact me at Stan.Smith@bus.ucf.edu. (other contact information) 

COMMERCIAL BANK MANAGEMENT (FIN 4324):      2010 Spring Day Syllabus   2010 Spring Night Syllabus   2010 Spring Class Schedule

FINANCIAL CAREERS AND JOB PLACEMENT        SCHOLARSHIPS

BANKS & DEPOSITORY FINANCIAL INSTITUTIONS

NON-DEPOSITORY FINANCIAL INSTITUTIONS

LENDING TOPICS           FINANCIAL MARKETS & DATA

CONTACT INFORMATION:

Department of Finance                                  Office: CBA 410
College of Business Administration           Phone: 407-823-6453
University of Central Florida                       Fax: (407) 823-6676
Orlando, FL 32816-1400                               E-mail: Stan.Smith@bus.ucf.edu

LENDING TOPICS: 
COMMERCIAL & SMALL BUSINESS
REAL ESTATE
CONSUMER
INTERNATIONAL
AGRICULTURAL
CREDIT ANALYSIS, REPORTING, SCORING & BANKRUPTCY  

BANKS, SAVINGS INSTITUTIONS, & CREDIT UNIONS: 
INDUSTRY PROFITABILITY & PERFORMANCE
PERFORMANCE OF INDIVIDUAL INSTITUTIONS
   Forbes Global 2000 Banks, Diversified Financials, and Insurance (4/9/09)
BANK EXAMINATIONS
CAPITAL ADEQUACY & SUPERVISION & CORPORATE GOVERNANCE
DEPOSITS AND MANAGING LIQUIDITY
ELECTRONIC BANKING & PAYMENT SYSTEMS 
TRUSTS
BANK BROKER/DEALERS
BANK INSURANCE ACTIVITIES
BANK DERIVATIVES ACTIVITIES
INTERNATIONAL
MERGERS & CHANGES IN DELIVERY OF PRODUCTS AND SERVICES
FEDERAL & STATE REGULATORS
TRADE ASSOCIATIONS
ONLINE PUBLICATIONS                              

NON-DEPOSITORY FINANCIAL INSTITUTIONS:
  Forbes Global 2000 Banks, Diversified Financials, and Insurance (4/9/09)
FINANCE COMPANIES
INSURANCE COMPANIES & PENSION FUNDS
INVESTMENT COMPANIES/MUTUAL FUNDS

FINANCIAL MARKETS & DATA:
TREASURY SECURITIES MARKET
MONEY MARKET
MORTGAGE MARKETS & SECURITIES
INVESTMENT COMPANIES/MUTUAL FUNDS
CORPORATE & MUNICIPAL BONDS
STOCK, BOND, OPTIONS & FUTURES MARKETS
INTEREST RATES, STOCK PRICES, & INDEXES
FLOW OF FUNDS ACCOUNTS
INTERNATIONAL
RATING AGENCIES & CRITERIA
INDIVIDUAL COMPANY INFORMATION
ECONOMIC DATA
 

BANKING SCHOLARSHIPS (undergraduate and graduate):  Florida Bankers Educational Foundation Scholarship/Loan Program (Dr. Smith is the UCF representative.  See him for more detailed information.) 

Other scholarships for banking and finance students in the College of Business Administration, including the Clayton R. Ford Scholarship in Banking, can be found in the latest CBA Scholarship Handbook on the CBA web site.  You may want to review fall and spring issues of the Handbook.

For Hispanic students, you may want to check for Hispanic Fund Scholarships.

FINANCIAL CAREERS and JOB PLACEMENT :

FINANCIAL CAREERS:

UCF Career Resource Center

Financial Management Association (UCF's student finance organization has a resume book and interesting speakers.) 

Career Guide to Industries ( Banking , Insurance , Securities & Commodities ) -  (Bureau of Labor Statistics)

Occupational Outlook Handbook (Bureau of Labor Statistics):  
    Loan Officers 
    Securities, Commodities & Financial Services Sales Representatives
    Real Estate Agents & Brokers
    Insurance Agents & Brokers
    Financial Managers
    Insurance Underwriters
    Accountants & Auditors

  Current State Occupational Employment and Wage Estimates (Bureau of Labor Statistics) - You may pick the state from a map.  Most finance positions are under 13-0000 Business and Financial Operations.  Information is provided on hourly and annual bases, and the 10th-90th percentiles and means can be found by clicking on the number to the left of a position title.  Similar national data is also available.   

Being a College or University Professor
College & University Faculty (Occupational Outlook Handbook (Bureau of Labor Statistics))
AACSB International eNewsline
2008-2009 Salary Survey Executive Summary (for business faculty,  AASCSB International)

Description of National Association of Securities Dealers (NASD) licenses and associated exams, including Series 6 (investment company products limited representative), Series 7 (registered representative), and Series 65 (investment adviser).

Description of Florida insurance licenses can be found at the Florida Department of Financial Services home page.

Licensing information for Real Estate Salesperson and Broker or Real Estate Appraiser.  (Florida Department of Business and Professional Regulation, Division of Real Estate)

PLACEMENT & INTERVIEWING:

Attention, All Community Banks:  You Can Compete for the Best and Brightest  (America's Community Banker, Oct. 1999, Stanley D. Smith)

Tattoo Survey Results  (Vault.com, 3/9/01) - "I got that tattoo to remind myself never to conform, but I cover it every day at work.  Funny, huh?"

COMMON JOB INTERVIEW QUESTIONS

Can a prospect employer pull my credit report? (Orlando Sentinel, 1/30/08)  

DRESS EXPECTATIONS

They'll leave magna cum sartorial (Orlando Sentinel, April 20, 2007)

BODY LANGUAGE DURING INTERVIEW  (Orlando Sentinel)

Do Clothes Make the Woman Executive? (Business Week Online)

DINING ETIQUETTE (Ball State U.)

DINING ETIQUETTE (Wholesale Event Solutions)

Job Search Information for Students (Virginia Tech U.)

Orlando Sentinel's Classifieds

SunTrust Careers Web Page

Florida Banking Jobs Online (Florida Bankers Association) - started in Feb. 2004 so there may be a limited number of postings at the beginning.

  AllStarJobs.com - Directory of employment agencies, job banks, employers & career resources

 Indeed.com - a search engine for jobs that indexes more than 500 web sites that list job openings.

American Bankers Association CareerSite.Com

National Banking Network, Inc.(NBN) is the oldest and largest association of independently owned recruiting firms specializing in the Banking and Financial Services marketplace.

Bankjobs.com

Wall Street Journal's careers.wsj.com(click on Job Seek, enter keyword and location) and college.wsj.com (Comprehensive Career News & Tools for Students and New Grads)

AdvancingWomen.net - information on career advancement for women in the financial services industry, with free, anonymous resume posting.

FDIC Employment Opportunities (national and Southeast and other regional offices)

Federal Reserve Bank of Atlanta Employment Opportunities (Atlanta and Branches in Jacksonville, Miami, Birmingham, Nashville, and New Orleans)

Office of Comptroller of Currency (OCC) Careers and Current Job Openings (national and regional offices)

Office of Thrift Supervision (OTS) Employment Opportunities (national and regional offices)

Many financial services firms have job opportunities on their web pages.  As of November 2009, the number of workers in Brevard, Lake, Orange, Osceola, Seminole and Volusia Counties for some of the largest financial services firms in the area were:  J.P. Morgan Chase (credit card unit and WAMU, 3,241), SunTrust Banks, Inc (3,046), Wells Fargo (Wachovia, 2,730), Bank of America Corp.(1,900),  Bank of New York Mellon (1,046), BB&T (Colonial, 929),  Brown & Brown Inc. (808),  Charles Schwab Corp. (780), and Regions Bank (693).  (Source:  Orlando Sentinel, 12/07/09, p. CFB 13)  One should also check the list suggested below to identify other banks in a defined area.

To obtain a list of all commercial banks, savings banks, savings associations and U.S. branches of foreign banks in an individual city, county, metropolitan statistical area (MSA), or state, by amount of deposits and deposit market share go to FDIC's Summary of Deposits. For example, as of 6/30/09, the following top ten institutions in terms of deposits in the Central Florida area (Brevard, Lake, Orange, Osceola, Seminole, and Volusia Counties) had the specified millions of dollars of deposits:  SunTrust ($10,473),  Bank of America ($8,936), Wachovia/Wells Fargo ($8,930), Colonial/BB&T ($4,175), Regions ($2,224), Washington Mutual/JPMorgan Chase ($1,878),  Fifth Third Bank ($1,435), National City Bank/PNC ($1,122), Riverside NB of Florida ($1,013), and CNLBank ($800).  The top three institutions had 55% of deposits and the top ten out of 69 institutions had 79% of the $51.8 billion of deposits in the area.  Deposits should be correlated with employment opportunities in an area. See recent examples for Florida Deposits and Central Florida Deposits.

Home Price Comparison Index (Coldwell Banker) - Using a standardized home, the average sales prices for many cities are provided at https://secure.coldwellbanker.com/request/CBDocument?QMLclass=HPCI.  HPCI subject homes are based upon a single-family dwelling model with approximately 2,200 sq.ft., 4 bedrooms, 2 1/2 baths, family room (or equivalent) and 2-car garage. Surveyed homes and neighborhoods are typical for corporate middle-management transferees.  You may enter your location and sales price and up to three other locations in the U.S.

State and Local Income Taxes - Tax and Accounting Sites Directory with links to individual states and Federal Tax Rates ( links to rates such as capital gain, corporate income, individual income, and estate) 

FEMA Map of Presidential Disaster Declarations

"Employment and Wages in California's Financial Services Sector," (April 30, 1999 article)

"Human Resource Needs in the Evolving Financial Sector," (November 1997 article)

Real-Jobs (Resumes and Jobs for the Commercial Real Estate Industry)

Banking & Depository Institutions Articles and Information: Important Note - Many of the articles below are in a pdf format and will require Adobe Acrobat Reader Software to read the articles.  The Software can be downloaded for free.  There is also a short Acrobat Reader Tutorial.

Banks, Savings Institutions, & Credit Unions: Industry Profitability & Performance
FDIC Quarterly Banking Profile (can specify banks and/or savings institutions, 4th Quarter, 1994 to present)

Commercial Banks:
 2009 1st Quarter Bank Performance (FDIC Quarterly Banking Profile)
2008 4th Quarter and Annual Bank Performance (FDIC Quarterly Banking Profile)
2008 3rd Quarter Bank Performance (FDIC Quarterly Banking Profile)
2008 2nd Quarter Bank Performance (FDIC Quarterly Banking Profile)
2008 1st Quarter Bank Performance (FDIC Quarterly Banking Profile)
2007 4th Quarter and Annual Bank Performance (FDIC Quarterly Banking Profile)
2007 3rd Quarter Bank Performance (FDIC Quarterly Banking Profile)
2007 2nd Quarter Bank Performance (FDIC Quarterly Banking Profile)
2007 1st Quarter Bank Performance (FDIC Quarterly Banking Profile)
2006 4th Quarter and Annual Bank Performance (FDIC Quarterly Banking Profile)
2005 4th Quarter and Annual Bank Performance (FDIC Quarterly Banking Profile)
2004 4th Quarter and Annual Bank Performance (FDIC Quarterly Banking Profile)

  Report on the Condition of the U.S. Banking Industry:  Quarterly Reports (starting in Winter 2004), Federal Reserve Bulletin
  Profits and Balance Sheet Developments at U.S. Commercial Banks:  Annual Reports in  Federal Reserve Bulletin (June 3, 2009
  The Role of Community Banks in the U.S. Economy  (Economic Review, 2nd Quarter 2003, FRB of KC)
The Economic Performance of Small Banks, 1985-2000 (Federal Reserve Bulletin, November 2001)
The Outlook for the U.S. Banking Industry:  What Does the Experience of the 1980s and 1990s Tell Us? (Economic Review, 4th Quarter 1999, FRB of KC) (an excellent overview of different bank lending areas during 1980-1998)

Federal Reserve Statistical Releases:
Assets & Liabilities of Commercial Banks in the U.S. 
Large Commercial Banks' Characteristics  
Charge-Off and Delinquency Rates on Loans at Commercial Banks  
Household Debt-Service Burden and   Recent Changes to a Measure of U.S. Household Debt Service (Federal Reserve Bulletin, October 2003) (describes the revision and introduces a new measure, the financial obligations ratio, which adds recurring obligations -- rent, auto leases, homeowners' insurance, and property taxes -- to the traditional calculation of the debt service ratio)

Savings Institutions:
  2009 1st Quarter Savings Institutions Performance  (FDIC Quarterly Banking Profile) 
2008 4th Quarter and Annual Savings Institutions Performance  (FDIC Quarterly Banking Profile)
2008 3rd Quarter Savings Institutions Performance  (FDIC Quarterly Banking Profile) 
2008 2nd Quarter Savings Institutions Performance  (FDIC Quarterly Banking Profile) 
2008 1st Quarter Savings Institutions Performance  (FDIC Quarterly Banking Profile) 
2007 4th Quarter and Annual Savings Institutions Performance  (FDIC Quarterly Banking Profile)
2007 3rd Quarter Savings Institutions Performance  (FDIC Quarterly Banking Profile) 
2007 2nd Quarter Savings Institutions Performance  (FDIC Quarterly Banking Profile) 
2007 1st Quarter Savings Institutions Performance  (FDIC Quarterly Banking Profile) 
2006 4th Quarter and Annual Savings Institutions Performance  (FDIC Quarterly Banking Profile)
2005 4th Quarter and Annual Savings Institutions Performance  (FDIC Quarterly Banking Profile)
2004 4th Quarter and Annual Savings Institutions Performance  (FDIC Quarterly Banking Profile)

Credit Unions:
  Recent and Earlier Statistics for Federally Insured Credit Unions

Real Estate Lending (also see Mortgage Markets and Securities below):
  Senior Loan Officer Opinion Survey on Bank Lending Practices (quarterly) - FRB questions cover changes in the standards and terms of the banks' lending and the state of business and household demand for loans.
  2008 Survey of Credit Underwriting Practices (annual) - Office of Comptroller of Currency (OCC) surveys national banks on ten categories of loans
 The NY Fed has some very good data by state, and some by county, on the risk characteristics for prime, alt-A, and subprime mortgages, auto loans, credit cards, and student loans at http://data.newyorkfed.org/creditconditions/.
Charge-Off and Delinquency Rates on Loans at Commercial Banks  
Household Debt-Service Burden  and   Recent Changes to a Measure of U.S. Household Debt Service (Federal Reserve Bulletin, October 2003) (describes the revision and introduces a new measure, the financial obligations ratio, which adds recurring obligations -- rent, auto leases, homeowners' insurance, and property taxes -- to the traditional calculation of the debt service ratio)
Survey of Real Estate Trends - (Discontinued in 2002) An assessment by senior examiners and asset managers at federal bank and thrift regulators (quarterly)

The primary mission of the Office of Federal Housing Enterprise Oversight (OFHEO) is ensuring the capital adequacy and financial safety and soundness of two government-sponsored enterprises (GSEs) -- the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation (Freddie Mac).

  FNMA/FHLMC Conservatorship Discussion (FHFA, 9/23/08; upgraded to $200 billion each on Feb. 18, 2009)
  Housing Mortgage Relief Bill (Mortgage Bankers Association of Central Florida, July 28, 2008)
The Rise and Fall of Subprime Mortgages (Economic Letter, FRB of Dallas, Nov. 2007)
 The Role of Securitization in Mortgage Lending (Chicago Fed Letter, Nov. 2007)
 Consumer Handbook on Adjustable-Rate Mortgages (Federal Reserve)
Shopping Title Insurance article - (Washington Post, April 28, 2007)
Prime or not so prime?  An exploration of US housing finance in the new century - BIS Quarterly Review, March 2006)
Laying the Foundation for a Mortgage Industry in Mexico - (Economic Letter, FRB of Dallas, Oct. 2006)
Mortgage Markets and the Enterprises in 2005 (OFHEO, September 2006)
Housing Finance in the Global Financial Market (Committee on the Global Financial System, CGFS Paper #26, January 2006) - good analysis and international comparisons
New Information Reported under HMDA and Its Application in Fair Lending Enforcement, (Federal Reserve Bulletin, Summer 2005) - good description of residential lending in 2004

National Mortgage News (daily)

Testimony of Governor Edward M. Gramlich on Predatory Lending Practices Before the Committee on Banking and Financial Services, U.S. House of Representatives May 24, 2000

National Reverse Mortgage Lenders Association
Mortgage Refinancing in 2001 and Early 2002 (Federal Reserve Bulletin, December 2002)
The Effects of Mortgage Refinancing (Federal Reserve Bulletin, July 2000)
Home Mortgage Disclosure Act (HMDA) Data
Recent Changes in U.S. Family Finances: Results from the 1998 Survey of Consumer Finance (Federal Reserve Bulletin, January 2000)
Measuring Interest Rate Risk for Mortgage-Related Assets (FRBSF Economic Letter, January 1, 2000)
Recent Trends in Construction Lending Practices - (FDIC's Bank Trends, July 1999)
Mortgage Interest Rates, Valuation, and Prepayment Risk (October 1998 article)
Recent Developments in Home Equity Lending (April 1998 article)

Consumer Credit (also see Finance Companies below):
Federal Reserve Statistical Releases:
Consumer Credit  
  Senior Loan Officer Opinion Survey on Bank Lending Practices (quarterly) - Questions cover changes in the standards and terms of the banks' lending and the state of business and household demand for loans.
  2008 Survey of Credit Underwriting Practices (annual) - Office of Comptroller of Currency (OCC) surveys national banks on ten categories of loans
 The NY Fed has some very good data by state, and some by county, on the risk characteristics for prime, alt-A, and subprime mortgages, auto loans, credit cards, and student loans at http://data.newyorkfed.org/creditconditions/.
Charge-Off and Delinquency Rates on Loans at Commercial Banks  
Household Debt-Service Burden and   Recent Changes to a Measure of U.S. Household Debt Service (Federal Reserve Bulletin, October 2003) (describes the revision and introduces a new measure, the financial obligations ratio, which adds recurring obligations -- rent, auto leases, homeowners' insurance, and property taxes -- to the traditional calculation of the debt service ratio)

The Unbanked (A information clearinghouse by the FRB of Chicago and U.S. Treasury) 

The U.S. Flow of Funds Accounts and Their Uses (Federal Reserve Bulletin, July 2001) - This article briefly describes the accounts and shows how the data can be used to interpret major financial trends among households and nonfinancial corporate businesses.
Credit Cards: Use and Consumer Attitudes, 1970-2000 - (Federal Reserve Bulletin, September 2000)
A Nation of Spendthrifts? An Analysis of Trends in Personal and Gross Saving, (Current Issues in Economics and Finance, September 2000, FRBNY)
  Collecting Consumer Debt in America (Business Review, FRB of Philadelphia, Quarter 2 2007)
Recent Changes in U.S. Family Finances:  Evidence from the 2004 and 2007 Survey of Consumer Finances (Federal Reserve Bulletin, 2009)
Recent Changes in U.S. Family Finances:  Evidence from the 2001 and 2004 Survey of Consumer Finances (Federal Reserve Bulletin, 2006)
Recent Changes in U.S. Family Finances:  Evidence from the 1998 and 2001 Survey of Consumer Finances (Federal Reserve Bulletin, January 2003)
The Profitability of Credit Card Operations of Depository Institutions - June 1999 Report to Congress by Federal Reserve
Plastic card resources:  American Express  ,  Discover Card  ,  MasterCard International  ,  VISA, USA  ,   BankCard.com

Commercial and Small Business Lending (Domestic) (also see Finance Companies)
Federal Reserve Statistical Releases:
Survey of Terms of Business Lending -  (quarterly);  For a detailed description of Survey,   see Recent Changes to the Federal Reserve's Survey of Terms of Business Lending  (Federal Reserve Bulletin, August 1998).
  Senior Loan Officer Opinion Survey on Bank Lending Practices (quarterly) - FRB questions cover changes in the standards and terms of the banks' lending and the state of business and household demand for loans.
  2008 Survey of Credit Underwriting Practices (annual) - Office of Comptroller of Currency (OCC) surveys national banks on ten categories of loans
Charge-Off and Delinquency Rates on Loans at Commercial Banks  

 Probability of Fed Funds Target Change (Stan Smith's notes, May 2006))
Recent Developments in Business Lending by Commercial Banks (Federal Reserve Bulletin, December 2003)
S&P's White Paper on Measures of Corporate Earnings (5/14/02)
  What to Look for in Corporate Reports and SEC Filings - AAII.com

  The Syndicated Loan Market:  Structure, Development and Implications (BIS Quarterly Review, December 2004)
Increase in Adversely Classified Syndicated Bank Loans in 2001  
Shared National Credit Program (Large Syndicated Loans) (annual)
Loan Pricing Corporation - pricing and trading volume information on syndicated loans
Charge-Off and Delinquency Rates on Loans at Commercial Banks  
Commercial Paper Rates and Outstandings - (daily and historical)
Corporate Medium-Term Notes (Federal Reserve Statistical Release)

Commitments and Contingencies of FDIC-Insured Commercial Banks (4Q,2000) - FDIC Statistics on Banking

The U.S. Flow of Funds Accounts and Their Uses (Federal Reserve Bulletin, July 2001) - This article briefly describes the accounts and shows how the data can be used to interpret major financial trends among households and nonfinancial corporate businesses.

  Now and Then:  The Evolution of Loan Quality for U.S. Banks (Current Issues in Economics and Finance, April 2003, FRB of NY) - compares decline in loan quality from 4Q'99 to 3Q'03 with late 1980s and early 1990s.
The Outlook for the U.S. Banking Industry:  What Does the Experience of the 1980s and 1990s Tell Us? (Economic Review, 4th Quarter 1999, FRB of KC) (an excellent overview of different bank lending areas during 1980-1998)
Rapidly Rising Corporate Debt: Are Firms Now Vulnerable to an Economic Slowdown? (Current Issues in Economics and Finance, FRB of NY, July 2000)

  Why Has the Nonfinancial Commercial Paper Market Shrunk Recently? (First Quarter 2003, FRBKC Economic Review)
  Commercial Paper:  A Colossal Market (National Economic Trends, FRB of St. Louis, October 2002, click on National Economic Trends link, then see cover page link and click on 10/02)
Are Banks Still Important for Financing Large Businesses? (Current Issues in Economics and Finance, FRB of NY, August 1999)
Rising Bank Risk? (FRBSF Economic Letter, 7/30/99)
Credit Risk Rating at Large U.S. Banks - Federal Reserve Bulletin, November 1998
Commercial Lending Standards (June 1998 article)
The Commercial Paper Market Who's Minding the Shop? (The Regional Economist, FRBSTL, April 1998)

  Financial Instruments for Mitigating Credit Risk (Nov. 23,2001, FRBSF Economic Letter)
Credit Derivatives: Hedging Closer to Happiness (Secondary Mortgage Markets, December 1999)
Credit Derivatives:  The Latest New Thing (Chicago Fed Letter, June 1998)

  Trade Credit:  Why Do Production Firms Act as Financial Intermediaries?  (Q3, 2003, Business Review, FRB of Philadelphia)  (Good article on trade credit with some international comparisons)

Corporate and Institutional Glossary (Wachovia)

Risk Management Association (RMA), (formerly known as Robert Morris Associates) The Association of Lending & Credit Risk Professionals
Equipment Leasing and Finance Foundation

Small Business Lending
  Survey of Terms of Business Lending -  (quarterly) - information on small business loans under $100,000 and $1,000,000
  Senior Loan Officer Opinion Survey on Bank Lending Practices (quarterly) - FRB questions cover changes in the standards and terms of the banks' lending and the state of business and household demand for loans.
  2008 Survey of Credit Underwriting Practices (annual) - Office of Comptroller of Currency (OCC) surveys national banks on ten categories of loans
  Out-of-market Small Business Loans (FRBSF Economic Letter, 2009-07, February 13, 2009)
Financial Services Used by Small Businesses: Evidence from the 2003 Survey of Small Business Finances (Federal Reserve Bulletin, October 2006)
Consolidation, Technology, and the Changing Structure of Banks' Small Business Lending (Economic and Financial Review, FRB of Dallas, Qtr. 1, 2001)
Entrepreneurs in the U.S. Face Less Red Tape - (The Regional Economist, FRB of St. Louis, October 2004)
Small Business Rate Report (Business Week Online) - Current benchmarks and forecasts for small commercial bank loans from the National  Federation of Independent Business and the Federal Reserve.

The Credit Process:  A Guide for Small Business Owners (FRB of NY) - a good overview of credit applications and analysis
The Business Plan (Small Business Administration)
Availability of Credit to Small Businesses - October 1997 Report to Congress by Federal Reserve
New Information on Lending to Small Business and Small Farms:  The 1996 CRA Data (Federal Reserve Bulletin, January 1998)
Bank Merger Policy and the New CRA Data (Federal Reserve Bulletin, September 1998) - examines local markets for small business loans
Small Business Lending Patterns in California (January 1999 article) - examines lending by out-of-market firms
Small Business Administration

International Lending and Trade:

U.S. International Banking:
Country Exposure Lending Survey  - Federal Financial Institutions Examination Council Statistical Release (quarterly)
Structure and Share Data for U.S. Offices of Foreign Banks - Federal Reserve Statistical Release, Quarterly
Survey of Terms of Business Lending -  (quarterly) - information on lending by offices and agencies of foreign banks in U.S.
Senior Loan Officer Opinion Survey on Bank Lending Practices (quarterly) - FRB questions cover changes in the standards and terms of the banks' lending and the state of business and household demand for loans.
2008 Survey of Credit Underwriting Practices (annual) - Office of Comptroller of Currency (OCC) surveys national banks on ten categories of loans
OCC's Quarterly Derivatives Fact Sheet - Discusses derivatives activities, including  foreign exchange contracts, of commercial banks 

  Forbes Global 2000 Banks, Diversified Financials, and Insurance (4/9/09)
Foreign banks in emerging market economies: changing players, changing issues (BIS Quarterly Review, December 2005)
The Syndicated Loan Market:  Structure, Development and Implications (BIS Quarterly Review, December 2004)
Patterns in the Foreign Ownership of U.S. Banking Assets (November 24, 2000, FRBSF Economic Letter)
U.S. Bank Exposure to Emerging-Market Countries during Recent Financial Crises (February 2000, Federal Reserve Bulletin)
International Activities of U.S. Banks and in U.S. Banking Markets (September 1999, Federal Reserve Bulletin)
The Shrinking of Japanese Branch Business Lending in California - April 23, 1999 article
Bankers Acceptances (Instruments of Money Market, FRB of Richmond)
International Trade Finance, A Guide for Florida Importers and Exporters - Florida International Bankers Association 
Corporate and Institutional Glossary (Wachovia) - good brief definitions of international trade terms

Non-U.S. International Banking:
  Forbes Global 2000 Banks, Diversified Financials, and Insurance (4/9/09)
Foreign banks in emerging market economies: changing players, changing issues (BIS Quarterly Review, December 2005)
The Syndicated Loan Market:  Structure, Development and Implications (BIS Quarterly Review, December 2004)
  Global Integration in the Banking Industry (November 2003, Federal Reserve Bulletin)
Recent Banking Sector Reforms in Japan (July 1999, Economic Policy Review, FRBNY)
The Euro and the European Central Bank (Nov./Dec. 1999, Business Review, FRB of Philadelphia)
The Launch of the Euro (October 1999, Federal Reserve Bulletin)
Bank for International Settlements - The BIS is owned and controlled by central banks and it provides a number of highly-specialized services to central banks and links to Foreign Central Banks .
International Monetary Fund - promotes exchange stability and orderly exchange arrangements among 179 member countries.
World Bank - central purpose is to promote economic and social progress in developing countries
LatinSectorwatch:  Banking & Finance

International Trade & Finance:
Economic & Financial Conditions (Global Economy) - FRBNY
Should We Be Concerned About the Current Account? (April 2000, Chicago Fed Letter ) - good overview of Current Account components and activity since 1960.
U.S. International Transactions in 2002 (Federal Reserve Bulletin, May 2003)
U.S. International Transactions in 2001 (Federal Reserve Bulletin, May 2002)
U.S. International Transactions in 2000 (Federal Reserve Bulletin, May 2001)
Foreign Exchange Rates - Federal Reserve Statistical Release (weekly and historical)
  Major Central Bank rates may be found at http://www.fxstreet.com/fundamental/interest-rates-table/
Indexes of the Foreign Exchange Value of Dollar (Federal Reserve Bulletin, Winter 2005) which is related to New Summary Measures of the Foreign Exchange Value of Dollar (October 1998 article) - Federal Reserve Bulletin
CIA World Factbook - The latest World Factbook is a comprehensive view of each country in the world through facts and statistics on such topics as population, economy and government. The book also includes maps and flags for each country.
LatinFocus - data from government sources, economic forecasts, market analysis covering economic performance, political risk assessments and financial market developments.
Corporate and Institutional Glossary (Wachovia) - good brief definitions of international trade terms

Credit Analysis, Reporting & Scoring, and Bankruptcy (also see RATING AGENCIES & CRITERIA  below)
Federal Reserve Statistical Releases:
Charge-Off and Delinquency Rates on Loans at Commercial Banks  
Household Debt-Service Burden  and   Recent Changes to a Measure of U.S. Household Debt Service (Federal Reserve Bulletin, October 2003) (describes the revision and introduces a new measure, the financial obligations ratio, which adds recurring obligations -- rent, auto leases, homeowners' insurance, and property taxes -- to the traditional calculation of the debt service ratio)

S&P's White Paper on Measures of Corporate Earnings (5/14/02)
  What to Look for in Corporate Reports and SEC Filings - AAII.com
www.defaultrisk.com - credit risk modeling and measurement resource for corporate debt.
Business Credit Profile Reports  (Experian)

  Can a prospect employer pull my credit report? (Orlando Sentinel, 1/30/08)  
You may get a free personal credit report at www.annualcreditreport.com.
A Comparative Analysis of the Determinants of Financial Distress in French, Italian and Spanish Firms - (Danmarks NationalBank Working Papers 2005, #26, May 18, 2005) - compares across-country models with in-country models.
Study: Health Costs Spur Bankruptcy (2/02/05, Reuters)
  Credit Report Accuracy and Access to Credit - (Federal Reserve Bulletin, Summer 2004)
An Overview of Consumer Data and Credit Reporting (Federal Reserve Bulletin, February 2003)
Credit Scores, What Influences Them, According to Fair Isaac - Credit Information Center, July 1999
What's the Point of Credit Scoring (September 1997 article) - overview of credit scoring applications in all types of lending
Consumer Frequently Asked Questions about Credit and Fraud (Equifax.)
Consumer Credit Bureaus: Equifax , Experian , and TransUnion 
What's in the File?  The Economics and Law of Consumer Credit Bureaus (Q2 2002, Business Review, FRB of Philadelphia)

  New Bankruptcy Law Tightens Rules, Adds Paperwork - (consumeraffairs.com, 10/14/05)
Bankruptcy Abuse Prevention and Consumer Protection Act of 2005
U.S. Bankruptcy Courts
Is the Personal Bankruptcy System Bankrupt? (Q1 2002, Business Review, FRB of Philadelphia)
Analysis of Emerging Risks in Banking:  Personal Bankruptcies  (FDIC's Bank Trends)
Explaining the Increase in Bankruptcy and Delinquency:  Stigma versus Risk-Composition - Conference on Bank Structure and Competition, 1999, FRB of Chicago)
American Bankruptcy Institute
www.bankruptcydata.com - some free services 
Bankruptcy Chapters 7 (Liquidation for Individuals and Business), 11 ( Business Reorganization), 12 (Family Farm Reorganization), 13 (Individual Reorganization)
Uniform Commercial Code (UCC) -  Articles 1-9 and links to articles for an individual state.  This information is relevant to "perfecting a claim or lien."

Agricultural Lending
  Agricultural Finance Databook - FRB Statistical Releases (Quarterly), data on loans
  Senior Loan Officer Opinion Survey on Bank Lending Practices (quarterly) - FRB questions cover changes in the standards and terms of the banks' lending and the state of business and household demand for loans.
  2008 Survey of Credit Underwriting Practices (annual) - Office of Comptroller of Currency (OCC) surveys national banks on ten categories of loans
Farm Credit System  
Farmer Mac 
Agricultural Fact Books 1996-2002 (U.S. Department of Agriculture) and Agricultural Credit

Bank Examinations (also see Capital Adequacy & Supervision and Federal and State Regulators)
  Could a CAMELS Downgrade Model Improve Off-Site Surveillance? (Jan./Feb. 2002, Review, FRB of St. Louis)
Supervision of Large Complex Banking Organizations (February 2001, Federal Reserve Bulletin)
FDIC Division of Supervision Manual of Examination Policies (Manual discusses examination concepts, CAMELS (Capital, Assets, Management, Earnings, Liquidity, and Sensitivity to Market Risk), and other examination issues.)
FDIC Division of Supervision Manual of Examination Policies,  Loans, Section 3.2 (Manual discusses loan administration, portfolio composition of many different types of loans, and many other credit issues.
Important Banking Legislation - The most important laws that have affected the U.S. banking industry (FDIC)

Capital Adequacy and Supervision (also see Bank Examinations and Federal and State Regulators)
  Basel II: International Convergence of Capital Measurement and Capital Standards: A Revised Framework - Comprehensive Version (Bank for International Settlements (BIS), June 2006)
Financial Market Signals and Banking Supervision:  Are Current Practices Consistent with Research Findings? (FRBSF Economic Review 2006)
Switching Primary Federal Regulators:  Is It Beneficial for U.S. Banks? (FRB of Chicago's Economic Perspectives, 3rd Quarter 2005)
Sound Practices for Managing Liquidity in Banking Organizations (Basel Committee on Banking Supervision, 2000)
Capital Standards for Banks:  The Evolving Basel Accord (September 2003, Federal Reserve Bulletin)
An Overall Perspective on Banking Regulation (FRB of Philadelphia, Working Paper No. 02-1, February 2002) - discusses relationship of asymmetric information theory to banking regulation.
What Is Operational Risk? (FRBSF Economic Letter, 1/25/02)
Sound Practices for the Management and Supervision of Operational Risk (Basel Committee on Banking Supervision, December 2001)
An International Survey of Stress Tests (Current Issues in Economics and Finance, FRB of NY, November 2001)
The Federal Reserve Banks' Imputed Cost of Equity Capital (Working Paper, 1/10/01, FRBSF) (Good overview and application of different methods used to estimate equity cost of capital) 
Market Discipline and Subordinated Debt:  A Review of Some Salient Issues (FRB of Chicago's Economic Perspectives, First Quarter 2001)
Using Subordinated Debt as an Instrument of Market Discipline (Federal Reserve System Study Group on Subordinated Notes and Debentures, December 1999)
Value at Risk:  A New Methodology for Measuring Portfolio Risk (FRB of Philadelphia Business Review, July/August, 1996)

Trust Preferred Securities ( Brief Description , Detailed Description , Limits on a Bank's Investment in the Securities )

Corporate Governance

Corporate Governance:  Where Do Tenth District Community Banks Stand?  (Financial Industry Perspectives, 4th Quarter 2004, FRB of Kansas City)

Deposits & Managing Liquidity
Monetary Aggregates and Monetary Policy at the Federal Reserve:  A Historical Perspective (Federal Reserve Board, Speech by Chairman Ben S. Beranke, 11/10/06)
Sound Practices for Managing Liquidity in Banking Organizations (Basel Committee on Banking Supervision, 2000)
A Guide to Deposit Insurance Reform (First Quarter 2003, FRBKC Economic Review)
Retail Fees of Depository Institutions, 1997-2001 (September 2002, Federal Reserve Bulletin)
The Use of Checks and Other Noncash Payment Instruments in the United States  (August 2002, Federal Reserve Bulletin)
Who Benefits from Increasing the Federal Deposit Insurance? (Economic Commentary, FRB of Cleveland, 9/15/01)
Retail Fees of Depository Institutions, 1994-99 (January 2001, Federal Reserve Bulletin)
Recent Trends in Deposit and Loan Growth: Implications for Small and Large Banks (Chicago Fed Letter, December 2000)
Roundtable on Deposit Insurance Reform (FDIC, 4/25/00)
Customers Like Their Banks in the Southeast:  SunTrust Ranked No. 1 in a Readers Survey by Consumer Reports  (Orlando Sentinel, 5/10/00)
The Emerging Role of Banks in E-Commerce (March 2000, Current Issues in Economics and Finance, FRBNY)
Electronic Payments in the U.S. Economy: An Overview (Economic Review, FRB of KC, 4th Quarter, 1999)
  Recent Changes in U.S. Family Finances:  Evidence from the 2001 and 2004 Survey of Consumer Finances (Federal Reserve Bulletin, 2006)
Recent Changes in U.S. Family Finances: Results from the 1998 Survey of Consumer Finance (Federal Reserve Bulletin, January 2000)
ATM Access Fees (Summary and Background Documents, American Bankers Association)

The Unbanked (A information clearinghouse by the FRB of Chicago and U.S. Treasury) 
Banking Relationships of Lower-Income Families and the Governmental Trend toward Electronic Payment  (July 1999, Federal Reserve Bulletin)
How Effective Is Lifeline Banking in Assisting the 'Unbanked'? (June 1998 article)

Checking Accounts: What Do Banks Offer and What Do Consumers Value? (March/April 1999, New England Economic Review)
Bank Technology News
Financial Services Marketing
ATMmagazine.com (daily)

Trusts:
Trust Assets of Financial Institutions, 1999, 1998, 1997 & 1996 - Annual Reports by Federal Financial Institutions Examination Council

Bank Securities Activities: (also see Gramm-Leach-Bliley Act of 1999, Titles I and II)
Bank Securities Association  and Bank Securities Journal Online
1999 Profile of Bank Broker/Dealers (Bank Securities Journal Online)
ABA Securities Association
The Money Management Institute - national association for managed account industry.
Description of National Association of Securities Dealers (NASD) licenses and associated exams, including Series 6 (investment company products limited representative) and Series 7 (registered representative)

Bank Insurance Activities: (also see Gramm-Leach-Bliley Act of 1999, Titles I and III); (also see Insurance & Pension Funds section)
Financial Institutions Insurance Association (FIIA)
Bank Insurance Marketing (quarterly)
Association of Banks in Insurance
Interstate Insurance Product Regulation Commission

Bank Derivatives Activities:
OCC's Quarterly Derivatives Fact Sheet (4th Quarter, 1995 to Present)
  Swaps and the Swaps Yield Curve (December 2001, Economic Commentary, FRB of Cleveland)
  Financial Instruments for Mitigating Credit Risk (Nov. 23,2001, FRBSF Economic Letter)
Credit Derivatives: Hedging Closer to Happiness (Secondary Mortgage Markets, December 1999)
Credit Derivatives:  The Latest New Thing (Chicago Fed Letter, June 1998)

Mergers and Changes in Delivery of Products and Services: (also see Electronic Banking)  
  Slow but Steady Progress Toward Financial Deregulation (FRB of Dallas, Jan./Feb. 2003, Southwest Economy)
Consolidation, Technology, and the Changing Structure of Banks' Small Business Lending (Economic and Financial Review, FRB of Dallas, Qtr. 1, 2001)
FINANCIAL MODERNIZATION: VASTLY DIFFERENT OR FUNDAMENTALLY THE SAME? (July/August 2000, Business Review, FRB of Philadelphia) - good overview of future relative to past
The Gramm-Leach-Bliley Act and Financial Integration - (3/31/2000, FRBSF Economic Letter)
FINANCIAL MODERNIZATION ACT (Gramm-Leach-Bliley Act of 1999) - The bill allows the affiliation of financially-related firms such as banking, insurance and securities; allows banks to offer any service of a financial nature; protects the Community Reinvestment Act while at the same time extending the examination period for banks with satisfactory or outstanding CRA ratings; restricts the ability of unitary thrift institutions to be sold to commercial firms; protects banks’ ability to sell title insurance and generally ensures healthy competition among financial institutions and more choices at lower prices of services for consumers.
Bank Mergers and Banking Structure in the United States, 1980-98 - (Federal Reserve Board Staff Studies #174, August 2000)
Mergers and the Changing Landscape of Commercial Banking (Part II) - (February 2000, Chicago Fed Letter)
Mergers and the Changing Landscape of Commercial Banking (Part I) - (September 1999, Chicago Fed Letter)
Drive to Efficiency Leaves Smallest Banks Behind (The Regional Economist, FRBSTL, July 1999)
Banks vs. Credit Unions: Dynamic Competition in Local Markets (FRBSTL Working Paper, 2000)
The Future of Financial Intermediation and Regulation:  An Overview (May 1999,Current Issues in Economics and Finance, FRBNY)

Changes in the Distribution of Banking Offices (Federal Reserve Bulletin, September 1997)
Selling Your Bank (1997 monograph, Allen C. Ewing & Co. Investment Bankers)
The Expanding Geographic Reach of Retail Banking Markets (June 1998 article)
The Separation of Banking and Commerce  (July 1998 article)
New View of Bank Consolidation (July 1998 article) - examines revenue enhancement vs. cost efficiencies
Bank Merger Policy and the New CRA Data (September 1998 article) - examines local markets for small business loans
Risk and Return of Banks' Section 20 Securities Affiliates (October 1998 article)

Electronic Banking and Payment Systems
The Changing Patterns of Payments in the United States (Q3, 2005, Business Review, FRB of Philadelphia)
Bank ATMs and ATM Surcharges (FRBSF Economic Letter, 12/16/05)
Debit Card Competition: Signature versus PIN (December 2005, Chicago Fed Letter)
U.S. Consumers and Electronic Banking, 1995-2003 (Winter 2004, Federal Reserve Bulletin)
Changes in the Use of Electronic Means of Payment:  1995-2001 (Q3, 2003, Business Review, FRB of Philadelphia)
The Use of Checks and Other Noncash Payment Instruments in the United States  (August 2002, Federal Reserve Bulletin)
Performance and Operation of Commercial Bank Web Sites (Financial Industry Perspectives, FRB of Kansas City, 2001)
Electronic bill presentment and payment--Is it just a click away? (4th Quarter, 2001, Economic Perspectives, FRB of Chicago)
ONLINE 2000:  The Sixth Annual Financial Services in Cyberspace Conference - Click on the agenda for a good overview of the many different topics in this area. 
Who Offers Internet Banking? (OCC Quarterly Journal, June 2000)
The Emerging Role of Banks in E-Commerce (March 2000, Current Issues in Economics and Finance, FRBNY)
Electronic Payments in the U.S. Economy: An Overview (Economic Review, FRB of KC, 4th Quarter, 1999)
Banking Relationships of Lower-Income Families and the Governmental Trend toward Electronic Payment  (July 1999, Federal Reserve Bulletin)
Bank Technology News
Financial Services Marketing
ATMmagazine.com (daily)

The Emergence of Electronic Communications Networks in the U.S. Equity Markets (Current Issues in Economics and Finance, FRBNY, Oct. 2000)

Banking Publications with some free online access (Most of federal regulatory agencies in next heading have publications related to many topics.):
American Banker (daily), SNL Securities (weekly information on banks and other financial institututions), ABA Banking Journal (monthly), Banking Strategies (monthly), US Banker (monthly), Bank Technology News, Financial Services Marketing, Journal of Lending and Credit Risk Management (monthly), ATMmagazine.com (daily), National Mortgage News (daily)

Federal and State Regulators:  (also see Capital Adequacy & Supervision and Bank Examinations)
Federal Reserve Bank (information on Federal Reserve System, bank regulations, statistical releases; also has links to 12 Regional Federal Reserve Banks and other commercial and savings banks regulators such as the Federal Deposit Insurance Corporation (FDIC) and the Office of the Comptroller of the Currency (OCC)). The Office of Thrift Supervision (OTS) is the primary regulator of all federal and many state-chartered thrift institutions, e.g., savings and loan associations.  The National Credit Union Administration (NCUA) supervises and insures federal and state-chartered credit unions.  The Federal Housing Finance Board is the regulator for the Federal Home Loan (FHL) Bank System which consists of twelve regional FHL Banks and their mission is to support residential mortgage lending by their member-stockholders, which include commercial banks, savings institutions, credit unions, and insurance companies.  The primary mission of the Office of Federal Housing Enterprise Oversight (OFHEO) is ensuring the capital adequacy and financial safety and soundness of two government-sponsored enterprises (GSEs) -- the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation (Freddie Mac).

The Conference of State Bank Supervisors (CSBS) is an organization of the state regulators and provides a Directory of the State Bank Supervisors.  The Florida Office of Financial Regulation, Division of Financial Institutions licenses, examines and regulates state-chartered financial institutions (commercial banks, credit unions, savings associations, non-deposit trust companies, and international bank offices) to ensure that your funds invested are protected from potential loss due to failure or insolvency. The Division of Banking offers information on the industry, as well as statements of condition and income on state-chartered financial institutions.

Important Banking Legislation - The most important laws that have affected the U.S. banking industry (FDIC)
  Federal Reserve Banking Regulations 
Current Banking Industry Issues - (ABA) includes discussion of current issues such as Fair Value Accounting, ATM Access Fees, Bankruptcy Reform, Credit Union Competition, Deposit Insurance Reform, Financial Modernization, Mergers and Acquisitions, Privacy of Customer Information, Rural Banking and the Farm Credit System, Social Security Reform, Tax Reform, Technology and Payments System 

Trade Associations:  The American Bankers Association (includes links to state bankers associations, including the Florida Bankers Association).  The Independent Bankers Association of America (represents interests of 5,500 independent community banks and includes Community Bankers of Florida (CBF); however, CBF joined the Florida Bankers Association on January 1, 1999).  Florida thrifts are also affiliated with the Florida Bankers Association.  Bank Administration Institute (BAI) provides training and information.. Florida International Bankers Association is another Florida banking organization. America's Community Bankers was a national trade association representing 2,000 savings and community banks and related business firms which merged with the ABA effective December 1, 2007.  The Credit Union National Association (CUNA) represents credit unions and credit union members and the National Association of Federal Credit Unions (NAFCU) exclusively represents federal credit unions. Florida Credit Union League represents the Florida's credit unions.  NACHA is the Electronic Payments Association.  The Financial Service Centers of America Inc., (formerly the National Check Cashers Association,  (NaCCA)) represents check cashers and the Financial Service Centers of Florida represents the Florida members.

Databases on Individual Banks, Bank Holding Companies, Savings Institutions, and Credit Unions:

The National Information Center (NIC) provides comprehensive information on banks, bank holding companies, and other institutions (savings institutions and credit unions) for which the Federal Reserve has a supervisory, regulatory, or research interest including both domestic and foreign banking organizations operating in the U.S.  Financial information, such as financial reports and peer analyses, is available for selected time periods.  You can search for the firm's identification numbers.  If the firm is a bank holding company you will want to find the institution or its identification numbers and obtain its Bank Holding Company Performance Report.  If the firm is not a bank holding company but is a commercial bank then you will want to obtain the Uniform Bank Performance Report at http://www2.fdic.gov/ubpr/UbprReport/SearchEngine/Default.asp.

FDIC Call Reports and OTS Thrift Financial Reports for individual banks, savings banks, and savings and loan associations.

Bank Condition and Income Database - The Report of Condition and Income database contains data for all banks regulated by the Federal Reserve System, Federal Deposit Insurance Corporation, and the Comptroller of the Currency. All financial data are on an individual bank basis. Data are available from 1976 to current in SAS XPORT format, zipped using PKZIP.  Provided by the Federal Reserve Bank of Chicago.
 

COMPANY INFORMATION (NONFINANCIAL & FINANCIAL COMPANIES):

Moody's Online Service (CAUTION:  Users must access the Internet through UCF-- Pegasus or any campus computer--to access this resource.   You can obtain the same files as EDGAR; however, it may be easier to access certain parts of files than EDGAR, e.g., consolidated balance sheets and income statements and footnotes to statements in 10K annual reports.)  For larger bank holding companies, it contains much financial information, e.g., annual balance sheets and income statements for the last ten years, that can be downloaded in a spreadsheet format.

FreeEDGAR (Electronic Data Gathering And Retrieval; can obtain SEC-required reports, e.g., 10K annual report and 10Q quarterly reports, for financial and nonfinancial companies)
 

Interest Rates, Individual Stock Prices, Market Indexes, and other information :
Yahoo Finance information - up-to-date information stock market indexes and individual stock prices, links to finance sources.  Directions on accessing historical information from Yahoo Finance web page.
BigCharts.com - up-to-date information on stock market indexes and individual stock prices, excellent graphs for comparing stocks and indexes.
Quicken Stock Evaluator - allows many comparisons, e.g., PE ratios and betas, for up to 30 different companies at a time.
SNL Financial Bank Links is a good source for bank links and ticker symbols.
Keefe, Bruyette & Woods, Inc. Bank Sector Index Option (BKX) - capitalization-weighted index of 24 geographically diverse stocks representing national money center banks and leading regional institutions. This sector option is based on one-tenth the value of the Keefe, Bruyette & Woods Index (KBWI) and is traded on the Philadelphia Stock Exchange.   (Recent quotes and news)

Selected Interest Rates - Federal Reserve Statistical Release (daily and historical)
Yield Curve (U.S. Treasuries), The Living Yield Curve, and Bond Calculator
  Swaps and the Swaps Yield Curve (December 2001, Economic Commentary, FRB of Cleveland)
  Can TIPS Help Identify Long-Term Inflation Expectations? (4th Quarter 2001, Economic Review, FRB of Kansas City)

Bank Rate Monitor (can obtain rates on savings, mortgages, auto loans for selected markets in the U.S.; also has ability to sort the rates, for example, from high to low in a market)
Primary Mortgage Market Survey (weekly and historical rates on 30-year and 15-year FRMs and 1-year ARMs)

FINANCE COMPANIES: (also see Commercial Lending and Consumer Lending)

Survey of Finance Companies, 2000 (Federal Reserve Bulletin, January 2002)
Finance Companies - Federal Reserve Statistical Release (monthly)
Survey of Finance Companies, 1996 (Federal Reserve Bulletin, July 1997)
American Financial Services Association (trade association for consumer and small business lenders)

Flow of Funds Accounts of the United States - Federal Reserve Statistical Release (quarterly and historical)
The U.S. Flow of Funds Accounts and Their Uses (Federal Reserve Bulletin, July 2001) - This article briefly describes the accounts and shows how the data can be used to interpret major financial trends among households and nonfinancial corporate businesses.

INSURANCE and PENSION FUNDS: (also see Bank Insurance Activities)
Forbes Global 2000 Banks, Diversified Financials, and Insurance (4/9/09)
 Issues Facing State and Local Government Pensions (FRB of Chicago, 3Q 2007)
 Social Security and Medicare:  No Free Lunch (Southwest Economy, FRB of Dallas, Jan./Feb. 2005)
What Every Woman Should Know (Social Security Administration)
The Present and Future of Pension Insurance (FRBSF Economic Letter, Aug. 29, 2003)
Not Your Father's Pension Plan:  The Rise of 401(k) and Other Defined Contribution Plans  (Jan./Feb. 2002, Review, FRB of St. Louis)
How Much of Your Salary Do You Need to Save for Retirement?  (AAII.com)
The Longevity Game (Northwestern Mutual) - Given your current age, you can examine the effects of gender, blood pressure, weight, family history, exercise, stress, driving record, seat belt use, smoking, drinking, drugs and diet on your expected longevity.
  Interstate Insurance Product Regulation Commission
Insurance Information Institute (information on property and casualty insurance industry and products, e.g., auto, business, and home insurance)
American Council of Life Insurance (ACLI) is a trade association representing 532 legal reserve life insurance companies doing business in the United States.  Many of the life insurance companies also offer annuities and some offer health insurance.
A. M. Best Company - publishers of insurance information, including financial data, industry news, and insurer ratings.
National Association of Insurance Commissioners (NAIC) is the organization of insurance regulators from the 50 states, the District of Columbia, and the four U.S. territories.
Florida Office of Insurance Regulation .- The Office is part of the Florida Department of Financial Services and regulates fire, casualty, liability, and windstorm insurance rates and approves all policy forms and is required to determine that insurance companies seeking to do business in Florida are financially sound.   Information for consumers and agents may be found at the Florida Department of Financial Services web site.
  Insurance Guide 101 - brief descriptions of different types of insurance
Pension Benefit Guaranty Corporation (PBGC) is a federal government corporation that protects the retirement incomes of about 42 million American workers --one of every three working persons -- in about 45,000 defined benefit pension plans.  PBGC does not protect defined contribution pension plans, e.g., 401(k) plans, the most rapidly growing plans.
Social Security Administration  - The five major categories of benefits paid for through your Social Security taxes are retirement, disability, family benefits, survivors and Medicare. Supplemental Security Income (SSI) benefits are not financed by Social Security taxes.
ERISA Industry Committee (ERIC) - An association of America's largest employers committed to the advancement of voluntary retirement, health care coverage, and other employee benefit plans.
Rates of Return from Social Security (FRBSF Economic Letter, November 12, 1999)
Understanding the Social Security Debate   (FRBSF Economic Letter, June 25, 1999)
What Fiscal Surplus? (September 15, 1998 article, Federal Reserve Bank of Cleveland)

INVESTMENT COMPANIES/MUTUAL FUNDS/REITs:
Investment Company Institute (national association of the mutual fund investment company industry)
  Investment Company Fact Book - 2007 (Earlier fact books (1996-present) may be found at www.ici.org under "statements and publications."
Mutual Funds, Part I: Reshaping the American Financial System (New England Economic Review, July 1997 article)
National Association of Real Estate Investment Trusts (NAREIT)
  Mutual-Funds-Advisor.com

Mutual Funds and the U.S. Equity Market (Federal Reserve Bulletin, December 2000)

TREASURY SECURITIES MARKET:  Overview and Recent Developments (Federal Reserve Bulletin, December 1999)
Measuring Treasury Market Liquidity (NY FED Staff Reports #133, July 2001)
Selected Interest Rates - Federal Reserve Statistical Release (daily and historical)
Yield Curve (U.S. Treasuries), The Living Yield Curve, and Bond Calculator
Bond Market Statistics (The Bond Market Association) - statistics on many types of debt including Treasury debt
Bond and Fixed Income Resource Center (Equity Analytics, Ltd.) - information on many types of debt and their markets

INSTRUMENTS OF THE MONEY MARKET, eds. are Timothy Q. Cook and Robert K. LaRoche, Federal Reserve Bank of Richmond, seventh edition, 1993. This book has not been revised as of 7/27/00 but is still widely cited and is available by individual chapter on the internet.
  Commercial Paper:  A Colossal Market (National Economic Trends, FRB of St. Louis, October 2002, click on National Economic Trends link, then see cover page link and click on 10/02)
Selected Interest Rates - Federal Reserve Statistical Release (daily and historical)
Yield Curve (U.S. Treasuries), The Living Yield Curve, and Bond Calculator
Bond Market Statistics (The Bond Market Association) - statistics on many types of debt including money market instruments
Bond and Fixed Income Resource Center (Equity Analytics, Ltd.) - information on many types of debt and their markets

CORPORATE & MUNICIPAL BOND MARKETS:
Corporate Medium-Term Notes (Federal Reserve Statistical Release)
Bond Resources - information on many types of debt including corporate and municipal debt
Bond and Fixed Income Resource Center (Equity Analytics, Ltd.) - information on many types of debt and their markets
Bond Market Statistics (The Bond Market Association) - statistics on many types of debt including corporate and municipal debt
Selected Interest Rates - Federal Reserve Statistical Release (daily and historical)
Yield Curve (U.S. Treasuries), The Living Yield Curve, and Bond Calculator

MORTGAGE MARKETS and SECURITIES: (also see Real Estate Lending)
Bond Market Statistics (The Bond Market Association) - statistics on many types of debt including mortgage-backed and asset-backed securities
The primary mission of the Office of Federal Housing Enterprise Oversight (OFHEO) is ensuring the capital adequacy and financial safety and soundness of two government-sponsored enterprises (GSEs) -- the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation (Freddie Mac).
Federal Home Loan Mortgage Corporation (Freddie Mac or FHLMC) -
    Primary Mortgage Market Survey (weekly and historical data on 30-year and 15-year FRMs and 1-year ARMs)
    Secondary Mortgage Markets Online
Federal National Mortgage Association (Fannie Mae or FNMA)
Government National Mortgage Association (Ginnie Mae or GNMA)
Federal Housing Administration (FHA)
Department of Veterans Affairs (VA) Home Loan Program
Mortgage Bankers Association of America (MBAA)
National Association of Mortgage Brokers (NAMB)
National Association of Real Estate Investment Trusts (NAREIT)
Other mortgage industry links

STOCK, BOND, OPTIONS, and FUTURES MARKETS:

The Emergence of Electronic Communications Networks in the U.S. Equity Markets (Current Issues in Economics and Finance, FRBNY, Oct. 2000)

New York Stock Exchange  (NYSE Euronext)
NASDAQ
Chicago Board Options Exchange (CBOE)
Chicago Board of Trade (CBT)
Chicago Mercantile Exchange (CME)

U.S. Securities and Exchange Commission (SEC)
Commodity Futures Trading Commission (CFTC)
Securities Investor Protection Corporation (SIPC)
Securities Industry Association
Division of Securities and Investor Protection of the Florida Comptroller' Office is responsible for the effective regulation of the securities industry by registering firms and individuals who sell securities as well as the securities themselves, and monitoring the activities of those entities on an on-going basis.

RATING AGENCIES AND CRITERIA
Standard & Poor's
Moody's 
Fitch
Dominion Bond Rating Service (DBRS) Ltd.
Nationally Recognized Statistical Rating Organizations (NRSROs)

ECONOMIC DATA
Resources for Economists on the Internet
Economic Data - FRED (FRB of St. Louis)
  U.S. Economic Data (web slide show updated weekly) - FRB of Dallas
Economic & Financial Conditions (U.S. Economy) - FRBNY
  What's Behind the Low U.S. Personal Saving Rate? - (FRBSF Economic Letter, March 29, 2002)
A Nation of Spendthrifts? An Analysis of Trends in Personal and Gross Saving, (Current Issues in Economics and Finance, September 2000, FRBNY)
  Recent Changes in U.S. Family Finances:  Evidence from the 2001 and 2004 Survey of Consumer Finances (Federal Reserve Bulletin, 2006)