Bank Analysis School eBook

Internal Use Only

Don’t Over-Rely on Peer Comparisons

Peer comparison data are not included in the rating system. The principal reason is to avoid over reliance on statistical comparisons to justify the component rating being assigned. “ ” ” - FDIC Risk Management Manual

Internal Use Only

Dig Deeper!

UBPR/Call Report

General ledger (more detailed breakout of accounts)

Management conversation topics • Past performance • Competitive environment/challenges • Budget & strategic initiatives