Gary Zimmerman

Senior Economist

Outreach & Regional Analysis

Economic outreach, U.S. and 12th District economies, Banking

Gary.Zimmerman (at) sf.frb.org

Gary Zimmerman, Senior Economist, Federal Reserve Bank San Francisco

Show more FRBSF Publications Prior to 2000

California’s community banks in the 1990s
Gary C. Zimmerman in FRBSF Economic Letter, Federal Reserve Bank of San Francisco, 1996

Integrating banking markets in the EC
Gary C. Zimmerman in FRBSF Economic Letter, Federal Reserve Bank of San Francisco, 1996

Record 1995 for Western banks
Gary C. Zimmerman & Deanna L. Brock in FRBSF Economic Letter, Federal Reserve Bank of San Francisco, 1996

Factors influencing community bank performance in California
Gary C. Zimmerman in Economic Review, Federal Reserve Bank of San Francisco, 1996

Rebound in U.S. banks’ foreign lending
Gary C. Zimmerman in FRBSF Economic Letter, Federal Reserve Bank of San Francisco, 1995

Consolidation: California style
Fred Furlong & Gary C. Zimmerman in FRBSF Economic Letter, Federal Reserve Bank of San Francisco, 1995

Implementing the single banking market in Europe
Gary C. Zimmerman in Economic Review, Federal Reserve Bank of San Francisco, 1995

Economy boosts western banking in ’94
Fred Furlong & Gary Zimmerman in FRBSF Economic Letter, Federal Reserve Bank of San Francisco, 1995

Bank business lending bounces back
Gary C. Zimmerman in FRBSF Economic Letter, Federal Reserve Bank of San Francisco, 1994

EU + Austria + Finland + Sweden + ?
Gary C. Zimmerman in FRBSF Economic Letter, Federal Reserve Bank of San Francisco, 1994

U.S. banking turnaround
Gary C. Zimmerman in FRBSF Economic Letter, Federal Reserve Bank of San Francisco, 1993

California banking problems
Gary C. Zimmerman in FRBSF Economic Letter, Federal Reserve Bank of San Francisco, 1993

Difficult times for Japanese agencies and branches
Gary C. Zimmerman in FRBSF Economic Letter, Federal Reserve Bank of San Francisco, 1993

The competitive impact of foreign commercial banks in the United States
Lawrence G. Goldberg & Gary C. Zimmerman (ary) in Proceedings, Federal Reserve Bank of St. Louis, 1992

Southern California banking blues
Gary C. Zimmerman in FRBSF Economic Letter, Federal Reserve Bank of San Francisco, 1992

Red ink
Gary C. Zimmerman in FRBSF Economic Letter, Federal Reserve Bank of San Francisco, 1992

California banks’ problems continue
Gary C. Zimmerman in FRBSF Economic Letter, Federal Reserve Bank of San Francisco, 1992

Slower growth for foreign banks?
Gary C. Zimmerman in FRBSF Economic Letter, Federal Reserve Bank of San Francisco, 1991

Record earnings, but…
Gary C. Zimmerman in FRBSF Economic Letter, Federal Reserve Bank of San Francisco, 1991

Real estate loan problems in the West
Gary C. Zimmerman in FRBSF Economic Letter, Federal Reserve Bank of San Francisco, 1991

Bank branching and portfolio diversification
Elizabeth Laderman & Ronald H. Schmidt & Gary C. Zimmerman in FRBSF Economic Letter, Federal Reserve Bank of San Francisco, 1991

Earnings plummet at Western banks
Gary C. Zimmerman in FRBSF Economic Letter, Federal Reserve Bank of San Francisco, 1991

Location, branching, and bank portfolio diversification: the case of agricultural lending
Elizabeth S. Laderman & Ronald H. Schmidt & Gary C. Zimmerman in Economic Review, Federal Reserve Bank of San Francisco, 1991

Small California banks hold their own
Gary C. Zimmerman in FRBSF Economic Letter, Federal Reserve Bank of San Francisco, 1990

Western banks outpace the nation
Gary C. Zimmerman in FRBSF Economic Letter, Federal Reserve Bank of San Francisco, 1990

Shifting shares
Gary C. Zimmerman in FRBSF Economic Letter, Federal Reserve Bank of San Francisco, 1990

Interest rate competition
Gary C. Zimmerman & Jonathan A. Neuberger in FRBSF Economic Letter, Federal Reserve Bank of San Francisco, 1990

Banking performance
Gary C. Zimmerman in FRBSF Economic Letter, Federal Reserve Bank of San Francisco, 1990

Bank pricing of retail deposit accounts and "the California rate mystery"
Jonathan A. Neuberger & Gary C. Zimmerman in Economic Review, Federal Reserve Bank of San Francisco, 1990

The California deposit rate mystery
Jonathan A. Neuberger & Gary C. Zimmerman in FRBSF Economic Letter, Federal Reserve Bank of San Francisco, 1989

Record earnings for western banks
Gary C. Zimmerman in FRBSF Economic Letter, Federal Reserve Bank of San Francisco, 1989

Deposit patterns at western banks and thrifts
Gary C. Zimmerman in FRBSF Economic Letter, Federal Reserve Bank of San Francisco, 1989

Bank earnings and LDC loss reserves
Gary C. Zimmerman in FRBSF Economic Letter, Federal Reserve Bank of San Francisco, 1989

Agricultural lending in the West
Gary C. Zimmerman in FRBSF Economic Letter, Federal Reserve Bank of San Francisco, 1989

The growing presence of Japanese banks in California
Gary C. Zimmerman in Economic Review, Federal Reserve Bank of San Francisco, 1989

U.S. banks and LDC debt
Barbara Bennett & Gary C. Zimmerman in FRBSF Economic Letter, Federal Reserve Bank of San Francisco, 1988

Western banking recovery
Gary C. Zimmerman in FRBSF Economic Letter, Federal Reserve Bank of San Francisco, 1988

States take the lead
Gary C. Zimmerman & Michael C. Keeley in FRBSF Economic Letter, Federal Reserve Bank of San Francisco, 1988

LDC lending after the crisis
Barbara A. Bennett & Gary C. Zimmerman in FRBSF Economic Letter, Federal Reserve Bank of San Francisco, 1988

The growing presence of Japanese banks
Gary C. Zimmerman in FRBSF Economic Letter, Federal Reserve Bank of San Francisco, 1988

U.S. banks’ exposure to developing countries: an examination of recent trends
Barbara A. Bennett & Gary C. Zimmerman in Economic Review, Federal Reserve Bank of San Francisco, 1988

Western banking in 1986
Barbara A. Bennett & Gary C. Zimmerman in FRBSF Economic Letter, Federal Reserve Bank of San Francisco, 1987

Interstate banking in the West
Barbara Bennett & Gary C. Zimmerman in FRBSF Economic Letter, Federal Reserve Bank of San Francisco, 1987

Growing pains
Gary C. Zimmerman in FRBSF Economic Letter, Federal Reserve Bank of San Francisco, 1987

Western banking
Barbara Bennett & Gary C. Zimmerman in FRBSF Economic Letter, Federal Reserve Bank of San Francisco, 1986

Interest checking
Gary C. Zimmerman & Michael C. Keeley in FRBSF Economic Letter, Federal Reserve Bank of San Francisco, 1986

Interest checking and M1
Michael C. Keeley & Gary C. Zimmerman in FRBSF Economic Letter, Federal Reserve Bank of San Francisco, 1986

Deposit rate deregulation and the demand for transactions media
Michael C. Keeley & Gary C. Zimmerman in Economic Review, Federal Reserve Bank of San Francisco, 1986

Western banking turnaround
Michael C. Keeley & Gary C. Zimmerman in FRBSF Economic Letter, Federal Reserve Bank of San Francisco, 1985

The big switch
Gary C. Zimmerman & Michael C. Keeley in FRBSF Economic Letter, Federal Reserve Bank of San Francisco, 1985

Interest sensitivity of MMDAs
Michael C. Keeley & Gary C. Zimmerman in FRBSF Economic Letter, Federal Reserve Bank of San Francisco, 1985

Geographic deposit competition
Michael C. Keeley & Gary C. Zimmerman in FRBSF Economic Letter, Federal Reserve Bank of San Francisco, 1985

Shopping pays
Gary C. Zimmerman in FRBSF Economic Letter, Federal Reserve Bank of San Francisco, 1985

Competition for money market deposit accounts
Michael C. Keeley & Gary C. Zimmerman in Economic Review, Federal Reserve Bank of San Francisco, 1985

Determining geographic markets for deposit competition in banking
Michael C. Keeley & Gary C. Zimmerman in Economic Review, Federal Reserve Bank of San Francisco, 1985

Competition for MMDAs
Michael C. Keeley & Gary C. Zimmerman in Proceedings, Federal Reserve Bank of Chicago, 1985

Deregulation and bank profitability
Michael C. Keeley & Gary C. Zimmerman in FRBSF Economic Letter, Federal Reserve Bank of San Francisco, 1984

Oil merger worries
Thomas Klitgaard & Gary C. Zimmerman in FRBSF Economic Letter, Federal Reserve Bank of San Francisco, 1984

Asset quality and western bank earnings
Gary C. Zimmerman in FRBSF Economic Letter, Federal Reserve Bank of San Francisco, 1984

Western finance
Gary Zimmerman & Barbara Bennett in FRBSF Economic Letter, Federal Reserve Bank of San Francisco, 1984

On the offensive
Gary C. Zimmerman & Jennifer L. Eccles in FRBSF Economic Letter, Federal Reserve Bank of San Francisco, 1983

As the dust settles
Gary C. Zimmerman in FRBSF Economic Letter, Federal Reserve Bank of San Francisco, 1983

Deregulation and withdrawal penalties
Frederick T. Furlong & Gary C. Zimmerman in FRBSF Economic Letter, Federal Reserve Bank of San Francisco, 1983

California’s usury ceilings
Gary C. Zimmerman in FRBSF Economic Letter, Federal Reserve Bank of San Francisco, 1982

Decomposing the aggregates
Gary C. Zimmerman in FRBSF Economic Letter, Federal Reserve Bank of San Francisco, 1982

Fed pricing
Jack Beebe & Gary Zimmerman in FRBSF Economic Letter, Federal Reserve Bank of San Francisco, 1982

Western bank earnings
Gary C. Zimmerman in FRBSF Economic Letter, Federal Reserve Bank of San Francisco, 1982

Retail RPs
Barbara Bennett & Gary C. Zimmerman in FRBSF Economic Letter, Federal Reserve Bank of San Francisco, 1982

Over the limit
Gary C. Zimmerman in FRBSF Economic Letter, Federal Reserve Bank of San Francisco, 1981

Pricing Fed services
Gary C. Zimmerman in FRBSF Economic Letter, Federal Reserve Bank of San Francisco, 1981

The pricing of Federal Reserve services under MCA
Gary C. Zimmerman in Economic Review, Federal Reserve Bank of San Francisco, 1981

Monetary aggregates–redefined
John P. Judd & Gary C. Zimmerman in FRBSF Economic Letter, Federal Reserve Bank of San Francisco, 1980

Western bank profits, 1975
Ruth Wilson & Gary Zimmerman in Monograph, Federal Reserve Bank of San Francisco, 1976

Show more Other Works

High-Technology Slowdown Hits the San Francisco Region
FDIC Regional Outlook, Q2 1999

Several of the Region’s Metropolitan Areas May Be Vulnerable to Overbuilding as a Result of Rapid Commercial Real Estate Development
FDIC Regional Outlook, Q1 1999, 25-33

Consumer Credit Portfolios Face Challenges
FDIC Regional Outlook, Q4 1998 | With Phillips-Olsen and Simpson

Region’s Economic and Banking Conditions
FDIC Regional Outlook, Q4 1998 | With Phillips-Olsen and Simpson

Signs of a Pause in the Prolonged Residential Housing Boom Raise Concerns about Banks’ Exposure to Construction Lending
FDIC Regional Outlook, Q3 1998, 20-23

Strong Economic Growth Is Expected to Continue in the San Francisco Region despite Potential Fallout from the Asian Crisis
FDIC Regional Outlook, Q2 1998, 16-21

The San Francisco Region’s Larger and More Diverse State Economies Tend to Closely Follow the National Economy
FDIC Regional Outlook, Q1 1998, 16-20

San Francisco Region’s Large Metropolitan Areas Experience a Wide Range of Conditions and Risks
FDIC Regional Outlook, Q4 1997, 16-20

Strong Growth in Services, Aerospace, and High-Tech Boosts the San Francisco Region’s Performance
FDIC Regional Outlook, Q3 1997, 10-13

San Francisco Region: Following Separate Paths
FDIC Regional Outlook, Q2 1997, 11-14

San Francisco Region Continues to Record Rapid Growth
FDIC Regional Outlook, Q1 1997, 12-16

The Competitive Impact of Foreign Commercial Banks in the United States: Commentary
In The Changing Market in Financial Services, 15th Annual Economic Policy Conference Proceedings, ed. by Gilbert | St. Louis: FRB St. Louis, 1992

The Long-Awaited Comeback of Western Independent Banks
In WIB Community Banker, 50th Anniversary Edition | Oakland: Western Independent Bankers, 1987

Recent Developments in Western Banking
Nevada Review of Business & Economics, University of Nevada-Reno, Fall 1986 | With Bennett

Competition for MMDAs
In Bank Structure and Competition Conference Proceedings | Chicago: FRB Chicago, 1985 | With Keeley