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An Analysis of Post‐Deregulation Savings‐and‐Loan Failures

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  • Patricia M. Rudolph
  • Bassam Hamdan

Abstract

A number of studies have looked at the financial characteristics of problem or failed savings and loans but none have used data taken exclusively from the post‐deregulation period. In this paper, the financial characteristics of savings and loan associations that failed during the period 1984‐II to 1985‐I are analyzed, using both univariate difference in means tests and multivariate logistic regression. Both the known unequal population prior probabilities and the estimated unequal misclassification costs are taken into account in the logistic regression. The empirical results are compared to those of recent studies by Benston [7] and Barth, Brumbaugh, Sauerhaft and Wang [5]. The financial ratios that significantly affect the probability of failure are different in the three studies.

Suggested Citation

  • Patricia M. Rudolph & Bassam Hamdan, 1988. "An Analysis of Post‐Deregulation Savings‐and‐Loan Failures," Real Estate Economics, American Real Estate and Urban Economics Association, vol. 16(1), pages 17-33, March.
    • Handle: RePEc:bla:reesec:v:16:y:1988:i:1:p:17-33
    DOI: 10.1111/1540-6229.00441
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    Cited by:

    1. Colburn, Christopher B. & Hudgins, Sylvia C., 1996. "The influence on Congress by the thrift industry," Journal of Banking & Finance, Elsevier, vol. 20(3), pages 473-494, April.
    2. Harrison, Patricia & Ragas, Wade R., 1995. "Financial variables contributing to savings and loan failures from 1980-1989," Review of Financial Economics, Elsevier, vol. 4(2), pages 197-210.

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