What is UBPR report?
The Uniform Bank Performance Report (UBPR) is an analytical tool created for bank supervisory, examination, and management purposes. In a concise format, it shows the impact of management decisions and economic conditions on a bank’s performance and balance-sheet composition.
Where is Roa on the UBPR?
Refer to additional ratios and the UBPR User’s Guide as needed. This ratio is also known as the Return on Assets (ROA) ratio and consists of bottom line after-tax net income, including securities gains/losses and extraordinary items, as a percentage of average assets.
What does pct on UBPR mean?
In general, the more a ratio deviates from the peer average, the more scrutiny examiners give that ratio. The significant deviation from the peer should cause you to ask the question “Why is this bank so much better or worse than peer?” In the UBPR next to the peer data, you will see the percentile (pct.) ranking.
How do I pull a UBPR report?
Reports may be obtained for any bank online on the public website www.ffiec.gov/UBPR.htm for no charge. Reports may be viewed, printed, or downloaded. The UBPR is produced quarterly from Call Report data submitted by banks. The UBPR is usually published on the public website within 35 days of a Call Report due date.
What is a good efficiency ratio?
An efficiency ratio of 50% or under is considered optimal. If the efficiency ratio increases, it means a bank’s expenses are increasing or its revenues are decreasing. This means the company’s operations became more efficient, increasing its assets by $80 million for the quarter.
What is a Tier 1 leverage ratio?
The tier 1 leverage ratio is the relationship between a banking organization’s core capital and its total assets. The tier 1 leverage ratio is calculated by dividing tier 1 capital by a bank’s average total consolidated assets and certain off-balance sheet exposures.
What is a healthy loan to deposit ratio?
80% to 90%
What is a Good Loan to Deposit Ratio? Typically, the optimal ratio is 80% to 90%. A ratio above 100% means the bank has loaned out every dollar in deposits. It is the danger zone because it has no reserves to pay customers for demand deposits.
How do I calculate return on assets?
How can I calculate a company’s ROA? ROA is calculated simply by dividing a firm’s net income by total average assets. It is then expressed as a percentage. Net profit can be found at the bottom of a company’s income statement, and assets are found on its balance sheet.
What is the Texas ratio for banks?
A bank has $100 billion in non-performing assets. The bank’s total common equity is $120 billion. The Texas ratio is calculated as non-performing assets divided by tangible common equity. The ratio is 0.83 or 83%, or $100 billion / $120 billion.
How is liquidity ratio calculated?
Current Ratio = Current Assets / Current Liabilities They are commonly used to measure the liquidity of a and current liabilities line items on a company’s balance sheet. Divide current assets by current liabilities, and you will arrive at the current ratio.
What do liquidity ratios measure?
Liquidity ratio definition Essentially, a liquidity ratio is a financial metric you can use to measure a business’s ability to pay off their debts when they’re due. In other words, it tells us whether a company’s current assets are enough to cover their liabilities.
What is Basel 3 leverage ratio?
The Basel III leverage ratio is defined as the capital measure (the numerator) divided by the. exposure measure (the denominator), with this ratio expressed as a percentage: Leverage ratio = Capital measure. Exposure measure. 7.
How is the UBPR used to analyze bank performance?
Analyzing Bank Performance: Using the UBPR ANALYZING BANK PERFORMANCE Balance Sheet Bank Assets: Cash and due from banks Vault cash, deposits held at the Fed and other financial institutions, and cash items in the process of collection. Investment Securities Securities held to earn interest and help meet liquidity needs.
What is the purpose of the FFIEC UBPR report?
In a concise format, it shows the impact of management decisions and economic conditions on a bank’s performance and balance-sheet composition. The performance and composition data contained in the report can be used as an aid in evaluating the adequacy of earnings, liquidity, capital, asset and liability management, and growth management.
How are growth rates calculated on UBPR page 01?
Growth rates on UBPR page 01 are calculated for a 12-month period. The percentage is determined by subtracting the account balance as of the corresponding reporting period in the previous year from the current period account balance and dividing the result by the previous year balance. The following growth rates are displayed:
What do you need to know about the uniform bank performance report?
The Uniform Bank Performance Report (UBPR) is an analytical tool created for bank supervisory, examination, and management purposes. In a concise format, it shows the impact of management decisions and economic conditions on a bank’s performance and balance-sheet composition.