Upon Further Analysis — Archives
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The UBPR and Interest Rate Risk
Banking regulators recently revised their Uniform Bank Performance Report (UBPR) to improve the report’s ability to identify and analyze interest rate risk (IRR). This publicly available report is designed to provide a comprehensive view of a bank’s performance and risk profile. Using some real-life examples, I’ll show where the UBPR has improved, where it falls…
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Supervisory Appeals and Unreliable Narrators
Much of bank supervision operates outside the public eye. Recent critiques of supposed regulatory overreach note the secretive nature of bank supervision but then make claims of their own that are hard to either verify or falsify. This can lead to an “unreliable narrator” problem. One area where this is readily apparent is in the…
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Ernie Banks’ Paradoxical 1969 Season
Even great players see their skills and production decline as they approach the end of their careers. How much of a decline is more open to debate and may depend on how productivity is measured. Ernie Banks’ 1969 season provides a good case in point. Traditional stats, especially RBIs suggested he was still quite productive.…