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Selected Conference Presentations:

2016

Cole and White. When time is not on our side: The costs of regulatory forbearance in the closure of insolvent banks. Paper to be presented at the World Finance & Banking Symposium in Dubai, UAE to be held Dec. 14 – 16, 2016.

Cole and White. When time is not on our side: The costs of regulatory forbearance in the closure of insolvent banks. Paper to be presented at the 2016 Annual Meetings of the Southern Finance Association in SanDestin, FL USA to be held Nov. 16 – 19, 2016.

Cole, Davidson and Wang. Corporate governance, bank-owned life insurance, and bank holding company performance. Paper to be presented at the 2016 Annual Meetings of the Financial Management Association in Las Vegas, NV to be held Oct. 20 – 22, 2016.

Cole and White. When time is not on our side: The costs of regulatory forbearance in the closure of insolvent banks. Paper to be presented at the World Finance Conference, New York, NY to be held July 29 – 31, 2016.

Cole and Sokolyk. Debt, survival and growth of start-up firms. Paper to be presented at the Lyon Entrepreneurial Finance Conference in Lyon, FRANCE to be held July 08 – 09, 2016

Cole, Floros, Ivanov. Reducing uncertainty through a two-stage IPO. Presented at the 2016 Annual Meetings of the European Financial Management Association in Basel, SWITZERLAND held June 30 – July 2, 2016.

Cole and Sokolyk. Who needs credit and who gets credit? Presented at the FMA Europe Conference in Helsinki, FINLAND held June 9 – 10, 2016.

Cole and White. When time is not on our side: The costs of regulatory forbearance in the closure of insolvent banks. Paper presented at the Chicago Financial Institutions Conference in Chicago, IL USA held Mar. 28, 2016.

2015

Cole and White. When time is not on our side: The costs of regulatory forbearance in the closure of insolvent banks. Paper presented at the 2015 Annual Meetings of the Southern Economics Association in New Orleans, LA USA held Nov. 18-21, 2015.

Cole and Cannon. CRE Property Sales in Hot and Cold Markets: Evidence from 35 Years of NCREIF Sales Data. Paper presented at the 2015 Annual Meetings of the Southern Finance Association in Captiva, FL USA held Nov. 18-21, 2015.

Cole. Credit scores and credit market outcomes: Evidence from the SSBF and KFS. Paper presented at the 2015 Annual Meetings of the Southern Finance Association in Captiva, FL USA held Nov. 18-21, 2015.

Cole and Sokolyk. Friends and Family? How Young Entrepreneurial Firms Really Fund their Assets. Paper presented at the 2015 Annual Meetings of the Southern Finance Association in Captiva, FL USA held Nov. 18-21, 2015.

Cole, Davidson and Wang. Corporate governance, bank-owned life insurance, and bank holding company performance. Paper presented at the 2015 Annual Meetings of the Southern Finance Association in Captiva, FL USA held Nov. 18-21, 2015.

Cole, Floros and Ivanov. Reducing uncertainty through a two-stage IPO: Evidence from U.S. exchange upgrades. Paper presented at the 2015 Annual Meetings of the Finance Management Association in Orlando, FL USA held Oct. 14-17, 2015.

Cole. Credit scores and credit market outcomes: Evidence from the SSBF and KFS. Paper presented at the 2015 Annual Meetings of the Finance Management Association in Orlando, FL USA held Oct. 14-17, 2015.

Cole and White. When time is not on our side: The costs of regulatory forbearance in the closure of insolvent banks. Paper presented at the 2015 Annual Meetings of the Western Economics Association International in Honolulu, HI USA held Jun. 29 – Jul. 2, 2015.

Cole and Sokolyk. Debt, survival, and growth of start-up firms. Paper presented at the 22nd Annual Conference of the Multinational Finance Society in Halkidki, GREECE held Jun 28 – Jul 1, 2015.

Dietrich, Wanzenried, and Cole. Why are net-interest margins across countries so different? Paper presented at the 2015 Annual Meetings of the European Financial Management Association in Amsterdam, THE NETHERLANDS held Jun. 24-27, 2015.

Cole, Farris, and Melnik. The accounting costs in mergers and acquisitions transactions. Paper presented at the 2015 Mid-Year Meetings of the Multinational Finance Society in Larnaca, CYPRUS held Apr. 17-19, 2015.

Cannon, and Cole. Explaining multifamily foreclosures. Paper presented at the 2015 Annual Meetings of the American Real Estate Society in Ft. Myers, FL CA USA held Apr. 15-18, 2015.

Dietrich, Wanzenried, and Cole. Why are net-interest margins across countries so different? Paper presented at the 2015 Annual Meetings of the Midwest Finance Association in Chicago, IL USA held Mar. 5-7, 2015.

2014

Cole and Sokolyk. Debt financing, survival, and growth of start-up firms. Paper presented at the 12th International Paris Finance Conference in Paris, FRANCE held Dec. 18, 2014.

Cole and Sokolyk. Debt financing, survival, and growth of start-up firms. Paper presented at the 2014 Annual Meetings of the Southern Finance Association in Key West, FL USA held Nov. 20-22, 2014.

Chernykh and Cole. How should we measure bank capital adequacy? A simple proposal. Paper presented at the 2014 Annual Meetings of the Southern Finance Association in Key West, FL USA held Nov. 20-22, 2014.

Cole and Dahl. Bank audit and failure: Which causes which? Paper presented at the 2014 Annual Meetings of the Southern Finance Association in Key West, FL USA held Nov. 20-22, 2014.

Cole and Sokolyk. Debt financing, survival, and growth of start-up firms. Paper presented at the 2014 Entrepreneurial Finance and Innovation Conference in Boston, MA USA held Nov. 14, 2014.

Cole. Credit scores and credit market outcomes: Evidence from the SSBF and KFS. Paper presented at a research seminar sponsored by the U.S. Small Business Administration Office of Advocacy in Washington, DC, USA held Nov. 04, 2014. (Download here.)

Chernykh and Cole. How should we measure bank capital adequacy? A simple proposal. Paper presented at the Federal Reserve Bank of Chicago Quantitative Congress in Chicago, IL USA held Oct. 31, 2014.

Cole and Sokolyk. Debt financing, survival, and growth of start-up firms. Paper presented at the 2014 Annual Meetings of the Financial Management Association in Nashville, TN USA held Oct. 15-18, 2014.

Chernykh and Cole. How should we measure bank capital adequacy? A simple proposal. Paper presented at the 2014 Annual Meetings of the Financial Management Association in Nashville, TN USA held Oct. 15-18, 2014. (Download here.)

Cole. The perfect (financial) storm . . . continues . . . or recedes? Presentation at Lucerne University of Applied Science and Arts in Zug, Switzerland on Sep. 30, 2014. (Download here.)

Cole and Sokolyk. Debt financing, survival, and growth of start-up firms. Paper presented at the 2014 World Finance Conference in Venice, ITALY held Jul. 2-4, 2014.

Cole and Dietrich. SME credit availability around the world. Paper presented at the 2014 World Finance Conference in Venice, ITALY held Jul. 2-4, 2014. (Download here.)

Cole and Sokolyk. Debt financing, survival, and growth of start-up firms. Paper presented at the 2014 Annual Meetings of the European Financial Management Association in Rome, ITALY held Jun. 26-28, 2014.

Dai, Ivanov, and Cole. Entrepreneurial optimism, credit availability, and cost of financing: Evidence from U.S. small businesses. Paper presented at the International Finance and Banking Society 2014 Conference in Lisbon, PORTUGAL held June 18-20, 2014.

Cole and Dietrich. SME credit availability around the world. Paper presented at the 2014 INFINITY Conference in Prato, ITALY held Jun. 9-10, 2014.

Cole and Turk-Ariss. Legal origin, creditor protection and bank lending around the world. Paper presented at the 2014 Annual Meetings of the Eastern Finance Association in Pittsburg, PA USA held Apr. 10-12, 2014. (Download here.)

Cannon and Cole. Explaining Multi-Family Property Foreclosures. Paper presented at the 2014 Annual Meetings of the American Real Estate Society in San Diego, CA USA held Apr. 3-5, 2014.

Cole. How did the financial crisis affect business lending in the U.S.? Paper presented at the 2014 Annual Meetings of the Midwest Finance Association in Orlando, FL USA held Mar. 6-8, 2014. (Download here.)

Cole and Dahl. Bank audit and failure: Which causes which? Paper presented at the 2014 Annual Meetings of the Midwest Finance Association in Orlando, FL USA held Mar. 6-8, 2014. (Download here.)

Cole, The perfect (financial) storm . . . continues. Presentation for the Chicago Real Estate Investors' Association (REIA) in Chicago, IL USA held Feb. 27, 2014. (Download here.)

2013

Cole. How do firms choose legal form of organization? Paper presented at the 2013 Annual Meetings of the Financial Mangement Association in Chicago, IL USA held Oct. 17-19, 2013. (Download here.)

Cole, Cumming, and Li. Do banks or VCs spur growth? Paper presented at the 2013 Annual Meetings of the Financial Management Association in Chicago, IL USA held Oct. 17-19, 2013. (Download here.)

Cole. The perfect (financial) storm. (Sep. 2013 Update.) Presentation at Lucerne University of Applied Science and Arts in Zug, Switzerland on Oct. 03, 2013. (Download here.)

Cole. How did the financial crisis affect business lending in the U.S.? Paper presented at the 2013 AIDEA Bicentary Conference in Lecce, Italy held Sep 19-21, 2013. (Download here.)

Cole and Dietrich. SME credit availability around the world. Paper presented at the 2013 AIDEA Bicentary Conference in Lecce, Italy held Sep 19-21, 2013. (Download here.)

Cole and Turk-Ariss. Legal origin, creditor protection and bank lending around the world. Paper presented at the 4th International Conference on Corporate Governance in Emerging Markets in Hyderabad, India held Aug. 23-24, 2013.

Cannon and Cole. Explaining multifamily foreclosures. Paper presented at the Global Chinese Real Estate Congress (GCREC) 2013 Annual Conference in Beijing, PRC held July 6-7, 2013.

Cole and Sokolyk. How do start-up firms finance their assets? Evidence from the Kauffman Firm Surveys. Paper presented at the 2013 World Finance Conference in Cyprus held Jul. 1-3, 2013.

Cole, Cumming, and Li. Do banks or VCs spur growth? Paper presented at the 2013 Annual Meetings of the European Financial Management Assciation in Reading, UK held Jun. 26-29, 2013. (Download here.)

Cole and Dahl. Audits and bank failures: Which causes which? Paper presented at the 2013 Annual Meetings of the International Finance & Banking Society in Nottingham, UK held Jun. 26-28, 2013.

Cole and Sokolyk. How do start-up firms finance their assets? Evidence from the Kauffman Firm Surveys. Paper presented at the Sixth Annual Conference on Innovation and Entrepreneurship: U.S. Patent and Trademark Office (USPTO) and Ewing Marion Kauffman Foundation Conference on Intellectual Property and Entrepreneurship in Chicago, IL USA held Jun. 6-7, 2013. (Download here.)

Cole. CRE property sales in hot and cold markets: Evidence from 25 years of NCREIF data. Paper presented at the 2013 National Meetings of the American Real Estate and Urban Economics Association in Washington, DC USA held May 30-31, 2013. (Download here.)

Cole and Sokolyk. How do start-up firms finance their assets? Evidence from the Kauffman Firm Surveys. Paper presented at the 2013 Annual Meetings of the Eastern Finance Association in St. Pete Beach, FL USA held Apr. 11-13, 2013.

Cole and Dietrich. SME credit availability around the world. Paper presented at the Annual Meetings of the Midwest Finance Association in Chicago, IL USA held Mar. 14-16, 2013.

2012

Cole. The perfect (financial) storm. Presentation at Lucerne University of Applied Science and Arts in Zug, Switzerland on Dec. 18, 2012. (Download here.)

Dai, Ivanov, and Cole. Entrepreneurial optimism, credit availability, and the cost of financing: Evidence from U.S. small businesses. Paper presented at the Small Business Finance Conference sponsored by the European Central Bank and the Review of Finance in Frankfurt, Germany held Dec. 13-14, 2012.

Cole and Sokolyk. How do start-up firms finance their assets? Evidence from the Kauffman Firm Surveys. Paper presented at the 2012 Annual Meetings of the Southern Finance Association in Charleston, SC USA held Nov. 15-17, 2012. (Download here.)

Cole and Dietrich. SME Credit Availability Around the World: Evidence from the World Bank’s Enterprise Survey. Paper presented at the 2012 Annual Meetings of the Southern Finance Association in Charleston, SC USA held Nov. 15-17, 2012. (Download here.)

Cole. How did the financial crisis affect small-business lending in the U.S.? Paper presented at the 2012 Annual Meetings of the Financial Management Association in Atlanta, GA USA held Oct. 18-20, 2012. (Download here.)

Cole and Sokolyk. How do start-up firms finance their assets? Evidence from the Kauffman Firm Surveys. Paper presented at the 2012 Annual Meetings of the Financial Management Association in Atlanta, GA USA held Oct. 18-20, 2012.

Cole and Sokolyk. How do start-up firms finance their assets? Evidence from the Kauffman Firm Surveys. Paper presented at the 2012 Annual Meetings of the Academy of Entrepreneurial Finance Conference in NYC, NY USA held Sep. 18-20, 2012.

Cole, The perfect (financial) storm. Presentation for the Chicago Real Estate Investors' Association (REIA) held Sep. 13, 2012 in Chicago. (Download here.)

Cole, Ferris and Melnik. The cost of advice in mergers and acquisitions. Paper presented at the 4th International Conference on Accounting and Finance in Corfu Island, Greece held Aug. 30 – 31, 2012. (Download here.)

Cole and Sokolyk. How do start-up firms finance their assets? Evidence from the Kauffman Firm Surveys. Paper presented at the Kauffman Firm Survey Workshop in Kansas City, MO USA held Jul. 18 – 19, 2012. (Download here.)

Cole and Sololyk. How do start-up firms finance their assets? Evidence from the Kauffman Firm Surveys. Paper presented at the Kauffman – RCFS Entrepreneurial Finance and Innovation Conference in Boston, MA USA held Jun. 10 – 11, 2012. (Download here.)

Cole and Dietrich. SME Credit Availability Around the World: Evidence from the World Bank’s Enterprise Survey. Paper presented at the 2012 FMA European Conference in Istanbul, Turkey held Jun. 7 – 8, 2012.

Cole and Sokolyk. How do start-up firms finance their assets? Evidence from the Kauffman Firm Surveys. Paper presented at the Global Finance Conference in Chicago, IL USA held May 24 – 25, 2012. (Download here.)

2011

Cole and Curry. What happens to problem banks? Evidence from the 1980s and guidance for the 2010s. Presented at the 2011 Annual Meetings of the Southern Finance Association in Key West, FL, USA held Nov. 17– 19, 2011. (Download here.)

Cole. Bank credit, trade credit, or no credit: Evidence from the Surveys of Small Business Finance. Presented at the 2011 Annual Meetings of the Southern Finance Association in Key West, FL, USA held Nov. 17– 19, 2011. (Download here.)

Cole and Curry. What happens to problem banks? Evidence from the 1980s and guidance for the 2010s. Presented at the 2011 Annual Meetings of the Financial Management Association in Denver, CO, USA held Oct. 20 – 22, 2011. (Download here.)

Cole and White. Déjà Vu all over again: The causes of U.S. commercial bank failures this time around. Presented at the 2011 Annual Meetings of the Financial Management Association in Denver, CO, USA held Oct. 20 – 22, 2011. (Download here.)

Cole. Bank credit, trade credit, or no credit: Evidence from the Surveys of Small Business Finance. Presented at the 2011 Annual Meetings of the Financial Management Association in Denver, CO, USA held Oct. 20 – 22, 2011. (Download here.)

Cole and Curry. What happens to problem banks? Evidence from the 1980s and guidance for the 2010s. Presented at the 2011 Annual Meetings of the International Finance and Banking Society in Rome, Italy held Jun. 30 – Jul. 2, 2011. (Download here.)

Cole and Turk-Ariss. Legal origin, creditor protection and bank lending: Evidence from around the world. Presented at the 2011 Annual Meetings of the International Finance and Banking Society in Rome, Italy held Jun. 30 – Jul. 2, 2011. (Download here.)

Cole. How do firms choose legal form of organization? Presented at the Searle Center on Law Regulation and Economic Growth Fourth Annual Conference on Entrepreneurship and Innovation in Chicago, IL USA held Jun. 16 – 17, 2011. (Download here.)

Cole and Cannon. How accurate are commercial real-estate appraisals? Evidence from 25 years of NCREIF sales data. Presented at the 2011 Mid-Year Meeting of the Ameican Real Estate and Urban Economics Association in Washington, DC USA held June 2 - 5, 2011. (Download here.)

Cole and Cannon. How accurate are commercial real-estate appraisals? Evidence from 25 years of NCREIF sales data. Presented at the 2011 Annual Meeting of the Real Estate Research Society in Chicago, IL USA held May 3 - 4, 2011. (Download here.)

Cole. The Foreclosure Mess. Presented at the Annual Meeting of the Midwest Finance Association in Chicago, IL, USA, Mar. 3, 2011. (Download here.)

Cole. Who needs credit and who gets credit? Presented at the Annual Meeting of the Midwest Finance Association in Chicago, IL USA Mar. 4, 2011. (Download here.)

2010

Cole and White. Déjà Vu all over again: The causes of U.S. commercial bank failures this time around. Presented at the FDIC-JFSR Bank Research Conference in Washington, DC, USA Oct. 28-29, 2010. (Download here.)

Cole. Who needs credit and who gets credit? Presented at the Annual Meeting of the Financial Management Association in New York City, NY USA Oct. 23, 2010. (Download here.)

Cole. Research on entrepreneurial finance: How to use the Surveys of Small Business Finances. Presented at the Annual Meeting of the Financial Management Association in New York City, NY USA Oct. 21, 2010. (.Download here)

Cole. Bank credit, trade credit or no credit: Evidence from the Surveys of Small Business Finances. Presented at the 2010 Annual Meeting of the Academy of Entrepreneurial Finance in Chicago, IL USA Sep. 15-17, 2010. (Download here.)

Cole and Mehran. Gender and the vailability of credit: Evidence from the Surveys of Small Business Finances. Presented at the 2010 Annual Meeting of the Academy of Entrepreneurial Finance in Chicago, IL USA Sep. 15-17, 2010. (Download here.)

Cole and White. Déjà Vu all over again: The causes of U.S. commercial bank failures this time around. Presented at a research seminar at the Federal Reserve Board in Washington, DC, USA Jul. 8, 2010.

Chernykh and Cole. Does deposit insurance improve financial intermediation? Evidence from the Russian
experiment. Presented at the 2010 Annual Meeting of the Financial Intermediation Research Society. Florence, Italy. June 7-9, 2010. (Download here.)

Cole and Cannon. Explaining multifamily foreclosures. Presented at the 2010 AREUEA Mid-Year Meeting.Washington, DC USA. June 3-4, 2010. (Download here.)

Cole and Mehran. Gender and the availability of credit the privately held firms. Presented at the 2010 European Financial Management Symposium on Entrepreneurship and Venture Capital. Montreal, Canada. April 15-17, 2010.

Cole, Dietrich and Wanzenreid. Why are net interest margins across countries so different? Presented at the 2010 Annual Meeting of the Eastern Finance Association. April 14-17, 2010.

2009

Cole and Wu. Hazard versus Probit: Which is more accurate in predicting bank failures? Presented at the 22nd Australasian Finance and Banking Conference. Sydney, Australia. December 15-17, 2009.

Cole. Availability of credit to small businesses and the financial crisis of 2008 - ????. Presented at "Beyond the Crisis--Implications for Entrepreneurs and SMEs," a conference sponsored by the Swedish Entrepreneurship Forum and the Embassy of Sweden held at the House of Sweden. Washington, DC. November 3, 2009. (Download here.)

Chernykh and Cole. Does deposit insurance improve financial intermediation? Evidence from the Russian experiment. Presented at the 2009 Annual Meeting of the Financial Management Association. Reno, NV. October 21-23, 2009.

Cole and Mehran. What do we know about executive compensation at privately held firms? Presented at the Fourth Annual BI-CEPR Conference on Money, Banking and Finance. Rome, Italy. October 2-3, 2009. (Download here.)

Cole.Who needs credit and who gets credit? Evidence from the Surveys of Small Business Finances. Presented at the 2009 Annual Meetings of the Academy of Entrepreneurial Finance. Chicago, IL. September 23-25, 2009.

Cole. Who needs credit and who gets credit? Presented at "Small Business in Focus: Finance," a symposium sponsored by the U.S. Small Business Administration, Washington, DC. July 9, 2009. (Download here.)

Cole and Wu. Improving bank failure prediction using a simple dynamic hazard model. Presented at the Federal Deposit Insurance Corporation. Washington, DC. May 19, 2009.

Chernykh and Cole.Does deposit insurance improve financial intermediation? Evidence from the Russian experiment. Presented at the Federal Deposit Insurance Corporation. Washington, DC. May 18, 2009.

Cole and Mehran. Gender and the availability of credit to privately held firms: Evidence from the Surveys of Small Business Finance. Presented at the Kauffman–Federal Reserve Conference on Entrepreneurial Finance in Cleveland, Ohio. March 12-13, 2009.

Berkman, Cole and Fu. Political connections and minority shareholder protection: Evidence from securities market regulation in China. Presented at the 2009 Annual Meeting of the American Finance Association in San Francisco, CA. January 3-5, 2009. (Download here.)

2008

Cole and Turk-Ariss. Legal origin, creditor protection and bank lending: Evidence from emerging markets. Presented at the 2008 Annual Meeting of the Financial Management Association. Grapevine, TX. October 8-11, 2008. (Download here.)

Cole and Turk-Ariss. Legal origin, creditor protection and bank lending: Evidence from emerging markets. Presented at the Federal Deposit Insurance Corporation. Washington, DC. August 6, 2008.

Cole and Mehran. What do we know about executive compensation at privately held firms? Presented at the CESIFO Venice Summer Institute workshop on Executive Pay. July 16-17, 2008.

Cole. Who needs credit and who gets credit? Evidence from the 2003 Survey of Small Business Finance. Presented at the Conference Small firm finance: What works, what doesn’t? Sponsored by the World Bank in Washington, DC USA. May 5-6, 2008.

2007

Cole. Determinants of capital structure at privately held U.S. firms. Presented at the Melbourne Centre for Financial Studies Seminar Series. Sponsored by the Melbourne Centre for Financial Studies in Melbourne, Australia. December 7, 2007.

Cole and Turk-Ariss. Legal origin, creditor protection and bank lending: Evidence from emerging markets. Presented at the Conference on Financial Instability. Co-sponsored by the Central Bank of Finland and the Journal of Financial Stability in Helsinki, Finland. June 7-8, 2007.

2006

Cole and Mehran. What can we learn from privately held firms about executive compensation? Presented at the Conference on Corporate Governance of Unlisted/Family Firms. Sponsored by the University of Bern in Thun, Switzerland. June 15-17, 2006.

Berkman, Cole and Fu. Expropriation through issuance of loan guarantees to related parties: Evidence from China. Presented at the 30th Anniversary Conference of the Journal of Banking and Finance. Co-sponsored by Beijing University and the Journal of Banking and Finance in Beijing, Peoples Republic of China. June 6-8, 2006.

2000 - 2005

Berkman, Cole, and Fu. Agency costs, expropriation and firm value: Evidence from securities market regulation.” Presented at the Annual Meeting of the Financial Management Association in Chicago, IL USA held Oct. 13 – 15, 2005.

Berkman, Cole and Fu. Agency costs, expropriation and firm value: Evidence from securities market regulation. Presented at the International Conference on Corporate Governance in Asia and China. Sponsored by the Center for Institutions and Governance at Chinese University of Hong Kong in Shanghai, Peoples Republic of China, March 11-13, 2005.

Berkman, Cole, and Fu. Agency costs, expropriation and firm value: Evidence from securities market regulation. Presented at the 17th Australasian Finance and Banking Conference in Sydney, Australia held Dec. 15 – 18, 2004.

Berkman, Cole and Fu. From State to State: Improving corporate governance where the State is the controlling block holder. Presented at the 2nd Asia Corporate Governance Conference. Sponsored by the Asian Institute of Corporate Governance at the Business School of Korea University in Seoul, Korea. May 16-17, 2003.

Berkman, Cole, and Fu. From State to State: Improving corporate governance where the State is the controlling block holder. Presented at the 2nd Asia Corporate Governance Conference, sponsored by the Asian Institute of Corporate Governance at the Business School of Korea University in Seoul, Korea May 16 – 17, 2002.

Berkman, Cole, and Fu. From State to State: Improving corporate governance where the State is the controlling block holder. Presented at the 15th Australasian Finance and Banking Conference in Sydney, Australia held Dec. 2002.

1990s

Cole, Goldberg and White. Cookie-cutter versus Character: the micro-structure of small business lending by large and small banks. Presented at the Conference on Business Access to Capital and Credit, sponsored by Community Affairs of the Federal Reserve System, in Arlington, VA. March 8-9, 1999.

Cole and Walraven. The effects of mergers and acquisitions on bank lending policies. Presented at “The Consolidation of the Financial Services Industry,” Conference sponsored by the Federal Reserve Bank of New York, held in New York, NY. March 27-28, 1998.

Cole. A note on REIT liquidity: The role of ‘New REITs.’ Presented at the Annual Meeting of the American Real Estate and Urban Economics Association in Chicago, IL USA held Jan. 1998.

Cole. The effect of relationships on the availability of credit. Presented at The Economics of Small Business Finance, a conference sponsored by New York University and the Journal of Banking & Finance in New York City, NY USA held Jun. 1997.

Cole. Does size matter? The effects of bid-ask spreads and market capitalization on REIT returns. Presented at the Annual Meeting of the American Real Estate Society in Sarasota, FL USA held Apr. 1997.

Bhasin, Cole, and Kiely. Changes in REIT liquidity 1990-94: Evidence from intra-day transactions. Presented at the Sixth Annual Research Seminar sponsored by the Real Estate Research Institute in Chicago, IL USA held Apr. 1997.

Cole and Mehran. Organizational form, taxes, ownership, and CEO compensation: Evidence from small businesses. Presented at the Annual Meeting of the Financial Management Association in New Orleans, LA USA held Oct. 1996.

Bhasin, Cole, and Kiely. Changes in REIT liquidity 1990-94: Evidence from intra-day transactions. Presented at the Annual Meeting of the Financial Management Association in New Orleans, LA USA held Oct. 1996.

Cole. New evidence from small businesses on the benefits of lending relationships. Presented at the Annual Meeting of the Financial Management Association in New Orleans, LA USA held Oct. 1996.

Cole and Mehran. The effect of changes in ownership structure on performance: Evidence from the thrift industry. Presented at the Annual Meeting of the American Finance Association in San Francisco, CA USA held Jan. 5 – 7, 1996.

Cole and Mehran. The effect of changes in ownership structure on performance: Evidence from the thrift industry. Presented at the Annual Meeting of the Financial Management Association in New York City, NY USA held Oct. 1995.

Cole and Mehran. The effect of changes in ownership structure on performance: Evidence from the thrift industry. Presented at the Annual Meeting of the Western Finance Association in Aspen, CO USA held Jun. 1995.

Cole and Fenn. The role of commercial real estate in the banking crisis of 1987-1992. Presented at the Annual Meeting of the American Real Estate and Urban Economics Association in Washington, DC. held Jan. 1995

Cole, Cornyn, and Gunther. FIMS: A financial institutions monitoring system. Presented at the Federal Reserve System Committee on Bank Structure and Regulation. 1994

Cole, Cornyn, and Gunther. SEER: A system for estimating examination ratings, presented at the Federal Reserve System Supervision Conference. 1992.

Cole and Fenn. Announcements of asset-quality problems and stock returns: the case of life insurance companies. Presented at the Conference on Bank Structure and Performance, sponsored by the Federal Reserve Bank of Chicago in Chicago, IL USA held May 1992.

Cole and Mehran. Executive compensation and corporate performance: Evidence from thrift institutions. Presented at the Conference on Bank Structure and Performance, sponsored by the Federal Reserve Bank of Chicago in Chicago, IL USA held Apr. 1991.

Cole. Early warning of bank failures. Presented at the Federal Reserve System Committee on Financial Structure and Regulation in San Antonio, Texas. January 1991.

Cole. Insolvency versus closure: Why the regulatory delay in closing troubled thrifts? Presented at the Annual Meeting of the American Finance Association held in Washington, DC. December 28-30, 1990.

Cole. Agency conflicts and thrift resolution costs. Presented at the Annual Meeting of the American Real Estate and Urban Economics Association in Washington, DC USA held Dec. 1990.

Cole, McKenzie, and White. The causes and costs of thrift institution failures: A structure - behavior - outcomes Approach. Presented at the Annual Meeting of the Financial Management Association in Orlando, FL USA held Oct. 1990.

Blalock, Cole, and Curry. The relative efficiency of public vs. private management of distressed real estate. Presented at the Annual Meeting of the American Real Estate Society in Lake Tahoe, NV USA held Mar. 1990.

1980s

Cole and Eisenbeis. Value creation and excess returns in FSLIC-assisted takeovers of troubled thrifts. Presented at the Conference on Bank Structure and Performance, sponsored by the Federal Reserve Bank of Chicago in Chicago, IL USA held Apr. 1989.

Cole. Commercial real estate returns and portfolio allocation decisions. Presented at the Annual Meeting of the American Real Estate and Urban Economics Association in Chicago, IL USA held Dec. 1987.

Cole. A new look at commercial real estate returns. Presented at the Doctoral Student Consortium sponsored by the American Real Estate Society in Orlando, FL USA held Apr. 1987.

Cole, Guilkey, and Miles. Market returns on commercial real estate: Implications for investment analysis.” Presented at the Annual Meeting of Financial Management Association in New York City, NY USA held Oct. 1986.