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R. Alton Gilbert

Emeritus

Education

Ph.D. Economics
Texas A&M University
1972

B.A. Economics
Lamar University
1966

Contact Info

Fax: (314) 444-8731

Research Division
Federal Reserve Bank of St. Louis
P.O. Box 442
St. Louis, MO 63166-0442



Review Articles

"Big Banks in Small Places: Are Community Banks Being Driven Out of Rural Markets?"
with David C. Wheelock
Federal Reserve Bank of St. Louis Review, May/June 2013
https://doi.org/10.20955/r.95.199-218

"The Future of Community Banks: Lessons from Banks That Thrived During the Recent Financial Crisis"
with  James W. Fuchs and  Andrew P. Meyer
Federal Reserve Bank of St. Louis Review, March/April 2013
https://doi.org/10.20955/r.95.115-143

"Federal Reserve Lending to Troubled Banks During the Financial Crisis, 2007-2010"
with Kevin L. Kliesen,  Andrew P. Meyer, and David C. Wheelock
Federal Reserve Bank of St. Louis Review, May/June 2012
https://doi.org/10.20955/r.94.221-242

"Measuring Commercial Bank Profitability: Proceed with Caution"
with David C. Wheelock
Federal Reserve Bank of St. Louis Review, November/December 2007
https://doi.org/10.20955/r.89.515-532

"Banking Antitrust: Are the Assumptions Still Valid?"
with  Adam M. Zaretsky
Federal Reserve Bank of St. Louis Review, November/December 2003
https://doi.org/10.20955/r.85.29-52

"Editor's Introduction"
Federal Reserve Bank of St. Louis Review, July/August 2003
https://doi.org/10.20955/r.85.3-6

"The Financial Condition of U.S. Banks: How Different Are Community Banks?"
with  Gregory E. Sierra
Federal Reserve Bank of St. Louis Review, January/February 2003
https://doi.org/10.20955/r.85.43-56

"Could a CAMELS Downgrade Model Improve Off-Site Surveillance?"
with  Andrew P. Meyer and  Mark D. Vaughan
Federal Reserve Bank of St. Louis Review, January/February 2002
https://doi.org/10.20955/r.84.47-63

"Nationwide Branch Banking and the Presence of Large Banks in Rural Areas"
Federal Reserve Bank of St. Louis Review, May/June 2000
https://doi.org/10.20955/r.82.13-28

"The Role of Supervisory Screens and Econometric Models in Off-Site Surveillance."
with  Andrew P. Meyer and  Mark D. Vaughan
Federal Reserve Bank of St. Louis Review, November/December 1999
https://doi.org/10.20955/r.81.31-56

"Did the Fed's Founding Improve the Efficiency of the U. S. Payments System?"
Federal Reserve Bank of St. Louis Review, May/June 1998
https://doi.org/10.20955/r.80.121-142

"Clearing and Settlement of U.S. Dollar Payments: Back to the Future?"
with  Bruce Summers
Federal Reserve Bank of St. Louis Review, September/October 1996
https://doi.org/10.20955/r.78.3-28

"Are Some Banks Too Agricultural?"
with Kevin L. Kliesen
Federal Reserve Bank of St. Louis Review, January/February 1996
https://doi.org/10.20955/r.78.23-36

"Editor's Introduction"
Federal Reserve Bank of St. Louis Review, November/December 1995
https://doi.org/10.20955/r.77.1-4

"A Case Study in Monetary Control: 1980-82"
Federal Reserve Bank of St. Louis Review, September/October 1994
https://doi.org/10.20955/r.76.35-58

"Federal Reserve Lending to Banks That Failed: Implications for the Bank Insurance Fund"
Federal Reserve Bank of St. Louis Review, January/February 1994
https://doi.org/10.20955/r.76.3-18

"Implications of Annual Examinations for the Bank Insurance Fund"
Federal Reserve Bank of St. Louis Review, January/February 1993
https://doi.org/10.20955/r.75.35-52

"The Effects of Legislating Prompt Corrective Action on the Bank Insurance Fund"
Federal Reserve Bank of St. Louis Review, July/August 1992
https://doi.org/10.20955/r.74.3-22

"Implications of Netting Arrangements for Bank Risk in Foreign Exchange Transactions"
Federal Reserve Bank of St. Louis Review, January/February 1992
https://doi.org/10.20955/r.74.3-16

"Supervision of Undercapitalized Banks: Is There a Case for Change?"
Federal Reserve Bank of St. Louis Review, May/June 1991
https://doi.org/10.20955/r.73.16-30

"Do Bank Holding Companies Act as "Sources of Strength" for Their Bank Subsidiaries?"
Federal Reserve Bank of St. Louis Review, January/February 1991
https://doi.org/10.20955/r.73.3-18

"Market Discipline of Bank Risk: Theory and Evidence"
Federal Reserve Bank of St. Louis Review, January/February 1990
https://doi.org/10.20955/r.72.3-18

"Bank Runs and Private Remedies"
with  Gerald P. Dwyer, Jr.
Federal Reserve Bank of St. Louis Review, May/June 1989
https://doi.org/10.20955/r.71.43-61.fvw

"Payments System Risk: What Is It and What Will Happen If We Try To Reduce It"
Federal Reserve Bank of St. Louis Review, January/February 1989
https://doi.org/10.20955/r.71.3-17.rpl

"A Comparison of Proposals to Restructure the U.S. Financial System"
Federal Reserve Bank of St. Louis Review, July/August 1988
https://doi.org/10.20955/r.70.58-75.zsp

"A Revision in the Monetary Base"
Federal Reserve Bank of St. Louis Review, August/September 1987
https://doi.org/10.20955/r.69.24-29.ctq

"Agricultural Banks: Causes of Failures and the Condition of Survivors"
with  Michael T. Belongia
Federal Reserve Bank of St. Louis Review, May 1987
https://doi.org/10.20955/r.69.30-37.mqx

"Coping with Bank Failures: Some Lessons from the United States and the United Kingdom"
with  Geoffrey E. Wood
Federal Reserve Bank of St. Louis Review, December 1986
https://doi.org/10.20955/r.68.5-14.cdy

"Requiem for Regulation Q: What It Did and Why It Passed Away"
Federal Reserve Bank of St. Louis Review, February 1986
https://doi.org/10.20955/r.68.22-37.zge

"New Seasonal Factors for the Adjusted Monetary Base"
Federal Reserve Bank of St. Louis Review, December 1985
https://doi.org/10.20955/r.67.29-33.iyy

"The Farm Credit Crisis: Will It Hurt the Whole Economy?"
with  Michael T. Belongia
Federal Reserve Bank of St. Louis Review, December 1985
https://doi.org/10.20955/r.67.5-15.nkq

"Recent Changes in Handling Bank Failures and Their Effects on the Banking Industry"
Federal Reserve Bank of St. Louis Review, June/July 1985
https://doi.org/10.20955/r.67.21-28.vvv

"The New Bank Capital Adequacy Standards"
with  Courtenay C. Stone and  Michael E. Trebing
Federal Reserve Bank of St. Louis Review, May 1985
https://doi.org/10.20955/r.67.12-20.xep

"Why the Big Rise in Business Loans at Banks Last Year?"
with  Mack Ott
Federal Reserve Bank of St. Louis Review, March 1985
https://doi.org/10.20955/r.67.5-13.zok

"Operating Procedures for Conducting Monetary Policy"
Federal Reserve Bank of St. Louis Review, February 1985
https://doi.org/10.20955/r.67.13-21.ngv

"Has the Deregulation of Deposit Interest Rates Raised Mortgage Rates?"
with  A. Steven Holland
Federal Reserve Bank of St. Louis Review, May 1984
https://doi.org/10.20955/r.66.5-15.ykg

"Calculating the Adjusted Monetary Base under Contemporaneous Reserve Requirements"
Federal Reserve Bank of St. Louis Review, February 1984
https://doi.org/10.20955/r.66.27-32.rlx

"Two Measures of Reserves: Why Are They Different"
Federal Reserve Bank of St. Louis Review, June/July 1983
https://doi.org/10.20955/r.65.16-25.mqs

"The New System of Contemporaneous Reserve Requirements"
with  Michael E. Trebing
Federal Reserve Bank of St. Louis Review, December 1982
https://doi.org/10.20955/r.64.3-7.kjd

"The Puzzling Behavior of Business Loans in the Current Recession"
Federal Reserve Bank of St. Louis Review, November 1982
https://doi.org/10.20955/r.64.3-10.uuq

"Will the Removal of Regulation Q Raise Mortgage Interest Rates?"
Federal Reserve Bank of St. Louis Review, December 1981
https://doi.org/10.20955/r.63.3-12.slv

"The FOMC in 1980: A Year of Reserve Targeting"
with  Michael E. Trebing
Federal Reserve Bank of St. Louis Review, August/September 1981
https://doi.org/10.20955/r.63.2-22.uxg

"Revision of the St. Louis Federal Reserve's Adjusted Monetary Base"
Federal Reserve Bank of St. Louis Review, December 1980
https://doi.org/10.20955/r.62.3-10.xhm

"Lagged Reserve Requirements: Implications for Monetary Control and Bank Reserve Management"
Federal Reserve Bank of St. Louis Review, May 1980
https://doi.org/10.20955/r.62.7-20.kzp

"Access to the Discount Window for All Commercial Banks: Is It Important for Monetary Policy?"
Federal Reserve Bank of St. Louis Review, February 1980
https://doi.org/10.20955/r.62.15-24.lke

"Do Floating Ceilings Solve the Usury Rate Problem?"
with  Jean M. Lovati
Federal Reserve Bank of St. Louis Review, April 1979
https://doi.org/10.20955/r.61.10-19.dtd

"Benefits of Borrowing from the Federal Reserve When the Discount Rate is Below Interest Rates"
Federal Reserve Bank of St. Louis Review, March 1979
https://doi.org/10.20955/r.61.25-32.wxt

"Disintermediation: An Old Disorder With A New Remedy"
with  Jean M. Lovati
Federal Reserve Bank of St. Louis Review, January 1979
https://doi.org/10.20955/r.61.10-15.ozw

"Effectiveness of State Reserve Requirements"
Federal Reserve Bank of St. Louis Review, September 1978
https://doi.org/10.20955/r.60.16-28.bxv

"Bank Reserve Requirements and Their Enforcement: A Comparison Across Streets"
with  Jean M. Lovati
Federal Reserve Bank of St. Louis Review, March 1978
https://doi.org/10.20955/r.60.22-32.dph

"Effects of Interest on Demand Deposits: Implications of Compensating Balances"
Federal Reserve Bank of St. Louis Review, November 1977
https://doi.org/10.20955/r.59.8-15.cek

"Utilization of Federal Reserve Bank Services by Member Banks: Implications for the Costs and Benefits of Membership"
Federal Reserve Bank of St. Louis Review, August 1977
https://doi.org/10.20955/r.59.2-15.prm

"Bank Financing of the Recovery"
Federal Reserve Bank of St. Louis Review, July 1976
https://doi.org/10.20955/r.58.2-9.vvn

"Recent Changes in Reserve Requirements: An Example of Contradictory Regulation"
Federal Reserve Bank of St. Louis Review, March 1976
https://doi.org/10.20955/r.58.2-7.gxd

"Bank Failures and Public Policy"
Federal Reserve Bank of St. Louis Review, November 1975
https://doi.org/10.20955/r.57.7-15.obw

"Trust Revenue of Commercial Banks: The Influence of Bank Holding Companies"
Federal Reserve Bank of St. Louis Review, June 1974
https://doi.org/10.20955/r.56.8-15.qzk

"Income and Expenses of Eighth District Member Banks"
Federal Reserve Bank of St. Louis Review, August 1973
https://doi.org/10.20955/r.55.16-22.fkh

"Employment Growth in St. Louis"
Federal Reserve Bank of St. Louis Review, August 1973
https://doi.org/10.20955/r.55.9-15.kie

"Monetary Policy and Relative Prices in an Incomes Policy"
Federal Reserve Bank of St. Louis Review, November 1971
https://doi.org/10.20955/r.53.2-7.sdj

"Stabilization Policies and Employment"
Federal Reserve Bank of St. Louis Review, February 1971
https://doi.org/10.20955/r.53.2-7.wwe


Economic Synopses Articles

"Regional Patterns in the Quality of Bank Assets"
Federal Reserve Bank of St. Louis Economic Synopses, 2003, No. 21
https://doi.org/10.20955/es.2003.21

"The Condition of Banks: What Are Examiners Finding?"
with  Sarosh R. Khan
Federal Reserve Bank of St. Louis Economic Synopses, 2002, No. 15
https://doi.org/10.20955/es.2002.15