What Will You Learn?

• Bank measurement standards, including the balance sheet, income statement, and key ratios
• Establishing and balancing the relationship between financial goals
• Asset quality, including financial statement ratios, nonperforming assets, and charge-off
• information
• Risk-based assets and capital ratios
• Peer group assessments, including similar banks in similar markets, high performance groups,
• and understanding differences
• Relationship between yield on earning assets, cost of funds and spread.
• How banks achieve and maintain positive spread by incurring credit risk, interest rate risk and
• liquidity risk