Evaluating commercial bank performance: a guide to financial analysis
Gespeichert in:
| 1. Verfasser: | |
|---|---|
| Format: | Buch |
| Sprache: | English |
| Veröffentlicht: |
Rolling Meadows, Ill.
Bankers Publ. Co.
1990
|
| Schlagworte: | |
| Online-Zugang: | Inhaltsverzeichnis |
| Beschreibung: | XII, 173 S. |
| ISBN: | 1555201288 |
Internformat
MARC
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| 245 | 1 | 0 | |a Evaluating commercial bank performance |b a guide to financial analysis |c Donald R. Fraser and Lyn M. Fraser |
| 264 | 1 | |a Rolling Meadows, Ill. |b Bankers Publ. Co. |c 1990 | |
| 300 | |a XII, 173 S. | ||
| 336 | |b txt |2 rdacontent | ||
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| 338 | |b nc |2 rdacarrier | ||
| 650 | 4 | |a Asset-liability management | |
| 650 | 4 | |a Financial statements | |
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Datensatz im Suchindex
| _version_ | 1804118781001203712 |
|---|---|
| adam_text | Contents
List of Figures vii
List of Tables............................................................... vii
Preface ix
1 Bank Performance:
Evidence and Explanation 1
Trends in Financial Performance 3
Causes of Recent Bank Failures 9
The Cost of Bank Failure 16
Major Factors Affecting Performance 17
New Competitors 24
Summary and Conclusions 27
2 The Dimensions of
Bank Performance 29
An Overview 29
Profitability 32
Risk 36
Other Dimensions of Risk 49
High Performance Banks 53
Market Evaluation of Bank Performance 58
Sources of Information on Bank Performance 59
Summary and Conclusions 63
3 Presentation of
Bank Financial Statements 65
The Balance Sheet and the Income Statement 65
The Balance Sheet 71
The Income Statement 79
4 The Tools of
Financial Statement Analysis................................... 85
Profitability 90
Profitability Ratios 91
Risk 99
Measures of Bank Risk 99
Appendix A Peer Group Descriptions 110
Appendix B Peer Group Report Ill
5 Analysis of
Bank Financial Statements............... ............. . 117
Farmers State Bank 121
City National Bank 132
Conclusion 140
6 Predicting Bank
Financial Distress and Failure 141
Variables Used by Regulators 143
Variables Developed by Analysts 147
Early Studies 148
Predicting Financial Distress and Failures
Since Deregulation 150
Using Capital Market Data 159
Bank Location, Bank Size, and Failure Risk 161
Summary and Conclusions 164
References 167
A. Books 167
B. Articles 169
List of Figures
1 1 Percentage of Failing Banks by Size 15
1 2 Factors Affecting Financial Service Providers 18
2 1 Profitability and Risk as Dimensions
of Bank Performance 32
3 1 First Page of Uniform Bank Performance Report 67
3 2 Order Form Uniform Bank Performance Report 69,70
4 1 Flowchart of Uniform Bank Performance Report
Financial Ratios and Other Data 88,89
4 2 Flowchart of Key Financial Ratios 91
4 3 Flowchart of Key Financial Ratios (with percentile peer
group rankings) 96
4 4 Farmers State Bank Maturity and
Repricing Distribution as of 12/31/X9 106
5 1 Yields on total Loans and Leases, Investment Securities 126
5 2 Yields on Real Estate Loans and
U.S. government securities 127
5 3 Percent of Noncurrent Loans and Leases, 19X9 129
List of Tables
1 1 Percentage Return on Assets for FDIC Insured
Commercial Banks 6
1 2 Number of Bank Failures 1960 1989 8
1 3 Number of Problem Banks 1970 1989 10
1 4 Average Nonperforming Loan Rates,
Medium Sized Texas Banks, 1986 14
1 5 Estimated Loss on Assets and Cost to FDIC
in Bank Failures During 1985 and 1986,
by Type of Transaction 16
1 6 Shares of Domestic Banking Assets Accounted For
by the Largest Banking Organizations 22
1 7 Broadening the Ability of Banks to
Expand Geographically 23
vii
1 8 Trends in Market Shares of Banks and Nonbanks 25
2 1 The Relationship Between ROA and ROE 35
2 2 Causes of Commercial Bank Failure by Size Decile,
1971 1982 37
2 3 Interest Rates, Bank Profits, and the Interest Sensitivity
Position 41
2 4 Repricing Information for FDIC Insured Commercial
Banks and FSLIC Insured Savings and Loans and
Savings Banks. Year End 1987 43
2 5 Quartile Distribution of Gap Estimates of Interest Rate
Exposure for FDIC Insured Commercial Banks and
FSLIC Insured Savings and Loans and Savings Banks.
Year End 1987 44
3 1 Farmers State Bank Balance Sheet 73
3 2 Farmers s State Bank Income Statement
Revenue and Expenses 80
4 1 Fanners State Bank Balance Sheet 94
4 2 Farmers State Bank Income Statement
Revenue and Expenses 95
4 3 Farmers State Bank Profitability Ratios 97
4 4 Measures of Bank Risk 108
5 1 Farmers State Bank Balance Sheet 122
5 2 Farmers State Bank Income Statement
Revenue and Expenses 123
5 3 Farmers State Bank Financial Ratio Chart 124
5 4 City National Bank Balance Sheet 133
5 5 City National Bank Income Statement
Revenue and Expenses 134
5 6 City National Bank Financial Ratio Chart 135
6 1 Financial Ratios Used by Federal Bank Regulators
in Early Warning systems 144,145
6 2 Financial Ratios Identified in Early Warning
and Failure Prediction Models 149
6 3 Ratios Considered in Predicting Bank Failure
Since Deregulation 152
6 4 Variables Used By Whalen and Thompson 154
6 5 Key Ratios and Growth Trends of Failed Banks 157
6 6 1987 Bank Failure by State as of October 30,1987 163
viii
|
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| discipline | Wirtschaftswissenschaften |
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| id | DE-604.BV004662480 |
| illustrated | Not Illustrated |
| indexdate | 2024-07-09T16:15:45Z |
| institution | BVB |
| isbn | 1555201288 |
| language | English |
| oai_aleph_id | oai:aleph.bib-bvb.de:BVB01-002864128 |
| oclc_num | 22332171 |
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| owner_facet | DE-384 DE-188 |
| physical | XII, 173 S. |
| publishDate | 1990 |
| publishDateSearch | 1990 |
| publishDateSort | 1990 |
| publisher | Bankers Publ. Co. |
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| spelling | Fraser, Donald R. Verfasser (DE-588)13855899X aut Evaluating commercial bank performance a guide to financial analysis Donald R. Fraser and Lyn M. Fraser Rolling Meadows, Ill. Bankers Publ. Co. 1990 XII, 173 S. txt rdacontent n rdamedia nc rdacarrier Asset-liability management Financial statements Bank (DE-588)4004436-1 gnd rswk-swf Finanzanalyse (DE-588)4133000-6 gnd rswk-swf Bank (DE-588)4004436-1 s Finanzanalyse (DE-588)4133000-6 s DE-604 Fraser, Lyn M. Sonstige oth HBZ Datenaustausch application/pdf http://bvbr.bib-bvb.de:8991/F?func=service&doc_library=BVB01&local_base=BVB01&doc_number=002864128&sequence=000002&line_number=0001&func_code=DB_RECORDS&service_type=MEDIA Inhaltsverzeichnis |
| spellingShingle | Fraser, Donald R. Evaluating commercial bank performance a guide to financial analysis Asset-liability management Financial statements Bank (DE-588)4004436-1 gnd Finanzanalyse (DE-588)4133000-6 gnd |
| subject_GND | (DE-588)4004436-1 (DE-588)4133000-6 |
| title | Evaluating commercial bank performance a guide to financial analysis |
| title_auth | Evaluating commercial bank performance a guide to financial analysis |
| title_exact_search | Evaluating commercial bank performance a guide to financial analysis |
| title_full | Evaluating commercial bank performance a guide to financial analysis Donald R. Fraser and Lyn M. Fraser |
| title_fullStr | Evaluating commercial bank performance a guide to financial analysis Donald R. Fraser and Lyn M. Fraser |
| title_full_unstemmed | Evaluating commercial bank performance a guide to financial analysis Donald R. Fraser and Lyn M. Fraser |
| title_short | Evaluating commercial bank performance |
| title_sort | evaluating commercial bank performance a guide to financial analysis |
| title_sub | a guide to financial analysis |
| topic | Asset-liability management Financial statements Bank (DE-588)4004436-1 gnd Finanzanalyse (DE-588)4133000-6 gnd |
| topic_facet | Asset-liability management Financial statements Bank Finanzanalyse |
| url | http://bvbr.bib-bvb.de:8991/F?func=service&doc_library=BVB01&local_base=BVB01&doc_number=002864128&sequence=000002&line_number=0001&func_code=DB_RECORDS&service_type=MEDIA |
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