Each student will choose a commercial bank that is classified as community bank

Each student will 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:
https://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 25 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
Examination Council) website: https://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 evaluating 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 condition, and through such understanding,
perform their duties more effectively.
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
https://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.