1.         Curry Timothy J., Elmer Peter J., Fissel Gary S., 2003, “Using Market Information to Help Identify Distressed Institutions: A Regulatory Perspective”, FDIC Banking Review.

2.         Edward I. Altman, Haldeman R, Harayanan P, 1977, “ZETA Analysis: A New Model to Identify Bankruptcy Risk of Corporations”, Journal of Banking and Finance.

3.         Flagg J. C., Giroux G. A., Wiggins C. E., 1999, “Predicting Corporate Bankruptcy Using Failing Firms”, Review of Financial Economics.