The Uniform Bank Performance Report (UBPR)

Choose a commercial bank that is classified as community bank (you should search for the latest definition of community bank) from the list on this link: h/ps://www.federalreserve.gov/releases/lbr/current/ Please focus on community banks (that have assets less than $10 billion). Use the UBPR to download all data, ratios, and peer group information to evaluate and analyze your bank throughout the course. This report should be 20 pages long and will consist of a comprehensive analysis of your bank: it will include performance analysis, credit analysis, liquidity analysis and risk assessment for three consecutive years. Here is what we can read about the UBPR on FFIEC (Federal Financial Institutions Examinant Council) website: h/ps://cdr.ffiec.gov/public/ 1. 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. The performance and composition data contained in the report can be used as an aid in evaluatng the adequacy of earnings, liquidity, capital, asset and liability management, and growth management. Bankers and examiners alike can use this report to further their understanding of a bank's financial condi1on, and through such understanding, perform their du1es more effec1vely. 2. An online UBPR User’s Guide has been developed to better assist users to understand how UBPR ratios and monetary values are derived. The UBPR User’s Guide is available in an online format, as well as a separate PDF format at the link hVps://cdr.ffiec.gov/Public/DownloadUBPRUserGuide.aspx. 3. To obtain a UBPR for a bank or to view any of the other UBPR statistical reports simply select: UBPR Reports The user’s guide will prove to be a very valuable resource to use for the report and for the course.