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Research Reports

Regulatory Reports

The most important key regulatory ratios

American Banker’s Regulatory Report emphasizes the ratios that matter most to regulatory authorities. Trending and benchmarking analysis metrics ensure that your bank does not stand out from the crowd in the wrong way.


Regulatory Report Components

Asset Quality

Provides the amount of loan loss provisions and ratios related to the allowance of loan losses and problem assets.

Capital

Regulatory and other capital balances and ratios, dividend payout, and capital formation ratios. This report also includes a section on compliance with the regulatory commercial real estate (CRE) guidelines.

Liquidity

Balances and ratios related to deposit volatility, available liquidity, and liquidity requirements. It includes several of the liquidity ratios included in the OCC’s CANARY ratios.

Profitability

Net income before extraordinary and other items and several significant ratios related to return on average assets, return on average equity, interest yields and costs, interest margins, non-interest income and expense, and efficiency.


Collateral Drill-down Reports

Supplemental reports allow for deeper analysis on any metric.

  • Asset Mix
  • Asset Quality
  • Earnings Ratios
  • Income Statement (RI)
  • Income Statement (As a % of Average Assets)
  • Liquidity
  • Loan Performance Analysis
  • Past Due Loans
  • Peer Ratio Rankings / Percentiles
  • Trending Income Statement (% Change)

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.