Balance Sheet & Income Statement Analysis
Nationally known as "The Focus Report," our Balance Sheet & Income Statement Analysis provides proprietary, risk-weighted benchmarks that allow you to view your bank within a risk-versus-reward framework, relative to all banks in the nation.
Each quarter, our expert teams will assess your credit risk, interest rate risk, capital risk, and liquidity risk, and within this report, clearly define the level of overall performance your bank is achieving as a result of taking these risks.
The Focus Report is one of the most important documents you can receive. Because we've learned that while most banks look solely at performance rankings, risk must be measured within those rankings to find an accurate read. For example, the future of a high-performing bank may be derailed by excessive risk, while an institution with unsatisfactory performance may benefit from the assumption of more risks.
The advantages of a Focus Report perspective include
- Identifying opportunities to improve performance relative to the national benchmark.
- Tracking performance relative to the national benchmark. This includes the ability to readily pinpoint where your institution stands behind, ahead of, or in line with the curve.
- An unbiased voice to make sense of all the numbers for your bank management and board of directors.
Each quarterly Focus Report for your institution may include
- Your risk-weighted ranking relative to the national benchmark.
- The current quarter's ratio comparisons versus the national benchmark, our very own proprietary benchmark of high-performing institutions, and/or a bank-designed peer group of your choice (up to 30 institutions).
- Two-year, quarterly trending graphs of the banking industry's top-tracked ratios applied to your bank's peer group, our proprietary benchmark of high-performing banks, as well as banks performing in the top 15th percentile nationally.
- Supplementary articles on current industry issues.
- A set of financial statements.
Live support for your quarterly Focus Report
- Benefit from a quarterly, one-on-one call with an expert analyst.
- Or, expand your analyst's interpretation to a full, on-site presentation for your bank management and/or board of directors.