As directors and shareholders, one of your primary focal points is how much money your bank earns. In addition to funding dividends, strong earnings performance allows your bank to grow, engage in new activities, remain competitive, and help maintain adequate capital levels. Regulators share a similar level of appreciation for earnings performance; however, our primary focus is on your bank's ability to augment capital. In this module, we will discuss how examiners evaluate earnings and give you some helpful tips for monitoring income and expenses using the UBPR. Go to the "Next" button below to begin the instructional content for earnings.

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