Bank Analysis School eBook

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)

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?