Bank Analysis School - September 2023

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

Internal Use Only

Determine “Core” Earnings

“

The quality of earnings may be diminished by undue reliance on extraordinary gains, nonrecurring events, or favorable tax effects.

” ”

- FDIC Risk Management Manual