Bank Analysis School April 2025

Internal Use Only

Asset Quality

Adversely Classified Items Coverage Ratio (EDR Page)

UBPR Ratios

Analysis of Past Due, Nonaccrual & Restructured (pages 8 & 8A)

Restructured + Nonaccrual/Total Equity Capital + ALLL (page 1)

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Internal Use Only

How to Assess Capital Adequacy

What are the

•Common stock, retained earnings, AOCI •Does the bank have a holding company? If so, which entity does the supporting?

components of the bank’s Capital?

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