U.S.-chartered commercial bank with total assets of at
least $3 billion.
You may choose from the list below or otherwise select one from
such sites as:
http://investsnips.com/list-of-publicly-traded-banks/
Federal Reserve Statistic Release (confirm that any selection is
publicly traded)
The gathering of the information you need for the assignment is
divided into three parts:
Part 1 - Locating an FDIC # - Completed for you for the banks on
the list below. If you select another
bank follow these steps to find the bank’s FDIC #.
Open the FDIC website at http://www.fdic.gov/
Click on “BankFind” on the right of the FDIC homepage
Spell out your bank’s name in the Bank Name field and use your
cursor to Find
After processing, you will be shown a screen with the matches to
the name you entered
Locate your bank; choose only those shown as “Active” in the FDIC
Status field
Part 2 – Drawing through the Data and Making a Comparison
Go back to the FDIC website at http://www.fdic.gov/
At the top of the page click on “Industry Analysis,” the fourth
option from the left.
Under “Industry Analysis” choose “Bank Data &
Statistics.”
Inside “Bank Statistics” choose “Institution Directory.”
Enter an FDIC Certificate #
On this screen, choose Search
On the next screen, under “Information Gateway” use the drop down
under “ID Report
Selections” to select “All Summary Information” and click on
“Generate Report” on the right
hand side.
On the next screen, a modification is needed to ensure that the
analysis reflects the passage of time.
At the top on the right-hand side, go to the date field – not the
most recent field but one year
ago.
On the right-hand side drop down, choose the date from five years
ago for a comparison, e.g. if
the most recent date is December 31, 2017, use December 31, 2013
for comparison.
The page will refresh with the data you need. Print it out or
download it to Excel, if you wish.
The result should be a two-column report showing your bank’s most
recent results next to its results five
years ago. Use this information to populate the table provided. The
number identifiers should
correspond item-for-item to the template.
Please note that the definition of each term in the reports is
given by clicking on the number given on
the left of each row.
We will endeavor to follow the traditional "CAMEL" criteria used
by examiners to evaluate your bank's
health. Per Chapter 14 in the textbook, the acronym stands
for
Capital Adequacy
Asset Quality
Management
Earnings (profitability)
Liquidity
Sensitivity to risk (losses arising from changes in market
prices)
There will be a chance of misreading or transposing the information
as you transcribe it into the
template. Take care that you get the correct information in the
correct sequence in order to assess it
properly.
For comparative data for your bank’s peer group go to
https://www5.fdic.gov/sdi/main.asp?formname=tutorial and open the
tutorial guide on accessing this
data: No. 5- Compare the performance or condition of one
institution to a group of institutions (SDI).
Here is a link to the guide:
https://www5.fdic.gov/idasp/UserGuide/5 ... ntogroupin
stitutions.pdf
Please note that should these and any other links embedded in the
course not work, please advise
your instructor so alternatives may be identified for you and the
assignment itself be corrected for
future offerings.
Part 3 - Sensitivity to Risk using Price-Earnings
The last data item for the table is the price-earnings (P/E) ratio
for your bank and its competitors. To find
these
Go to Mergent Online, a database available at the University’s
online library.
At the Mergent site enter the stock ticker symbol in “Company
Search-Enter symbol or Company
Name” and click on “Go”:
At your bank’s main page click on the tab labeled “Competitors”
to find the column for PE ratios.
- For Your Financial Analysis Choose A Publicly Traded U S Chartered Commercial Bank With Total Assets Of At Least 3 Bil 1 (24.19 KiB) Viewed 35 times