#bank analytics
Articles tagged with "bank analytics"
The Comptroller's Handbook: What Examiners Read First
The OCC publishes the manual its own examiners use, roughly 95 booklets covering everything from commercial real estate lending to bank premises. It contains …
The FR Y-15: How Systemic Risk Gets Measured and Priced
The FR Y-15 is the report that turns systemic importance into a number and then into required capital. Its schedules measure size, interconnectedness, substitutability, …
What Happens After a Bank Fails: Receiverships and Bid Data
A bank failure produces a public paper trail most people never open: the purchase and assumption agreement, a bid summary listing the losing bids …
UBPR Peer Groups: Percentiles and Why Yours Changed
The UBPR compares your bank against a peer group, but the peer group is assigned by rule, changes as your bank changes, and the …
Community Bank Leverage Ratio (CBLR): The 8% Election
The Community Bank Leverage Ratio lets a qualifying bank under $10 billion skip the risk-weighted capital math and prove it is well capitalized with …
How to Read a Bank's Enforcement History, Order by Order
A consent order against a bank sounds alarming, but it is a specific, defined regulatory tool, not a sign the bank is failing. This …
FFIEC 031 vs 041 vs 051: Which Call Report to File
Every US bank files one of three call report forms: the FFIEC 031, 041, or 051. Which one depends on the bank's asset size …
Bank Holding Companies Explained: Structure and Regulation
Holding companies with $3 billion or more in assets file the FR Y-9C with the Federal Reserve, roughly 350 to 400 of them. Smaller …
How to Read a Bank Balance Sheet (Schedule RC)
At the end of 2022, the banking industry's aggregate AOCI balance swung to negative $326 billion, about -14.7% of total reported equity, after touching …
De Novo Banks: How to Analyze a Bank With No Track Record
From 2010 through 2017, new bank charters in the United States nearly stopped: only about 30 opened in eight years, and just 15 after …