The Savings and Loan Industry: Current Problems and Possible Solutions

By Walter J. Woerheide | Go to book overview

Index
Absentee owners, 30
Account holder, 182
Accounting treatment of mergers, 174-77
Adjustable mortgages, 74, 84, 85, 96-97. See also Alternative mortgage instruments
Advances: at below-market rates, 15, 16, 18; as a benefit, 22; computation of rates on, 8; definition of, 4; and HPAs, 37; and mergers, 164, 166; policy changes regarding, 11, 12; and profitability, 38; special programs, 15
Advertising, 155, 165, 167
All-Savers Certificate, 22
Alternative mortgage instruments, 70-97; and borrower attitudes, 94-96; and the rate of home ownership, 94-95; and the risk exposure of SLAs, 83-94; terms and usage of, 95-96
American Bankers Association, 20
American Mortgage Insurance Company, 95-96
Antitrust, 167
Automated Mortgage Market Information Network, 16. See also Secondary mortgage market
Automatic transfer accounts, 153
Bail-out schemes, 189
Balloon mortgages, 75, 86
Banking industry, 7
Basis risk, 107, 109
Below-market interest rate loans, 12, 15
Blended mortgages, 82
Bond, definition of, 49
Borrowed money, 38, 191
Branch offices: and merger rates, 167; and NOW accounts, 153, 154, 155, 158; and operating expenses, 39; resulting from interest rate ceilings, 143
Call options, 118-19, 123
Ceilings. See Interest rate ceilings
Certificate Delivery GNMA. See Government National Mortgage Association contracts
Certificates of deposit: analogous to zero- coupon bonds, 65; market value of, 169; and return on net worth, 37; terms on, 13. See also Jumbo Certificates of Deposit, All-Savers Certificate, and Small Saver's Certificate
Chicago Board of Trade, 107-9
Clearinghouse, 105
Commercial banks: borrowings from, 38; as competitors of SLAs, 8-9, 139, 144; and consumer loans, 128, 131; deposit rates at, 146; as family finance centers, 191; and interest rate ceilings, 138-39; and interstate mergers with SLAs, 173-74; and intrastate branching, 174; and NOW account deposits, 154, 155-56, 157-58; operating statistics of, 127; and the "wildcard" experiment, 14-15, 146
Community Reinvestment Act, 168; statement, 17

-211-

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The Savings and Loan Industry: Current Problems and Possible Solutions
Table of contents

Table of contents

  • Title Page iii
  • Contents vii
  • Tables ix
  • Acknowledgments xi
  • Introduction xiii
  • Note xv
  • Abbreviations xvii
  • 1 - History of the Federal Home Loan Bank System 3
  • Notes 23
  • 2 - The Determinants of Profitability for Savings and Loans 28
  • 3 - Measuring the Interest Rate Risk Exposure of Savings and Loans 49
  • Notes 67
  • 4 - Alternative Mortgage Instruments 70
  • Notes 97
  • 5 - Financial Futures and Forward Commitments 104
  • Notes 121
  • 6 - Consumer Lending 124
  • Notes 135
  • 7 - The Elimination of Interest Rate Ceilings 138
  • Notes 148
  • 8 - The Introduction of Now Accounts 152
  • Notes 160
  • 9 - Mergers and Conversions 163
  • SUMMARY AND CONCLUSIONS 184
  • 10 - The Future 189
  • Notes 195
  • Bibliography 197
  • Index 211
  • About the Author 217
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