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Research Reports

Profitability Management Reports

Operating ratios focused on non-and net-interest income and expenses

American Banker’s Profitability Management Report provides operating ratios focused on non-and net-interest income and expenses, as well as separate earnings ratios for additional operating details. Trending and benchmarking analysis gives meaningful comparisons across appropriate peer groups, equipping management with information about performance areas in which the bank excels or lags.


Profitability Management Report Components

Non-Interest Expense

Major categories of non-interest expense ratios as a percent of average assets.

Non-Interest Income

Ratios for major categories of non-interest income as a percent of average assets.

Net Interest Income

Ratios for earning asset yields, costs of funds, spreads and margins, and the relative percents of interest-earning assets to interest-bearing liabilities.

Profitability

Key profitability items and ratios such as net income (loss), return on average assets, and return on average equity.


Collateral Drill-down Reports

Supplemental reports allow for deeper analysis on any metric.

  • Earnings Ratios
  • Income Statement (RI)
  • Income Statement (as a % of Average Assets)
  • Income Statement (% Change)
  • Liquidity Ratios
  • Peer Ratio Rankings / Percentiles

Custom Reports

Custom reports offer peer group analysis based on asset classes, geographic groupings, and institution names. In addition, research can be tailored by specific line item metrics or custom time frames.