Endnotes

[1] California Bankers Association (1996)[Full text].

[2] ABA Banking Journal (1987); DeYoung (1995); Ellis (1996); Wright (1996); Hawthorne (1991); Hudak (1988); Schreiber (1990).

[3] Wipprecht (1991); Hudak (1988).

[4] Matthews (1996) [Full Document][Briefing Notes]; Wright and Decker (1997).

[5] Wright and Decker (1997).

[6] Morrison and O'Donnell (1996) [Full text].

[7] Hoskins (1994).

[8] Kaplan (1992); Goetzke (1994); Wipprecht (1991).

[9] Boyle (1983).

[10] Peterson (1998).

[11] Illinois Office of Banks and Real Estate (1999)[Full text].

[12] Hudak (1988).

[13] Wipprecht (1991).

[14] Illinois Office of Banks and Real Estate (1999)[Full text].

[15] CUNA Service Group (1999); Schreiber (1990).

[16] California Bankers Association (1996)[Full text].

[17] Indermaur (1996) [Full text].

[18] Indermaur (1996) [Full text]; Wright and Decker (1997).

[19] Indermaur (1996) [Full text].

[20] Wright and Decker (1997).

[21] Wipprecht (1991); Schreiber (1992).

[22] Kennish (1984).

[23] Courter (2000).

[24] Hudak (1988); Kennish (1984).

[25] Hall (1989).

[26] Wipprecht (1991); Hudak (1988); Schreiber (1990).

[27] Boyle (1983).

[28] Hall (1989).

[29] Eck (1983); Stockdale and Gresham (1998) [Full Document][Briefing Notes].

[30] Stockdale and Gresham (1998) [Full Document][Briefing Notes].

[31] Wright and Decker (1997).

[32] Schreiber (1994).

[33] Wipprecht (1991); Hudak (1988).

[34] Lewis (1992).

[35] Schreiber (1990).

[36] Morrison and O'Donnell (1996) [Full text].