Capital ratios are essential metrics for financial institution management and for regulators. The capital ratios measure the liquidity issue of the institutions. The webinar discusses the scarcity of capital for banks and bank holding companies. It explains how financial institutions are highly leveraged and the owners have little “skin in the game.” A review of call report ratios will verify these notions
WHY SHOULD YOU ATTEND?
Senior management
Directors on the Board
Financial expert on the Board
Call Report Reviewers
Call Report Preparers
Newcomers to banking
Seasoned bankers
AREA COVERED
- Explanation of scarce capital situation in US banking
- Brief explanation of Basel III
- Review of actual and required Basel III ratios
- Computational process for computing the four key ratios
- Walkthrough of Schedule RC-R with focus on numerators and denominator leading to the four key ratios
- Explanation of important items that are part of the numerators and denominators
- The risk-weighting approach for assets and off-balance sheet items used in the denominator
LEARNING OBJECTIVES
- How scarce is capital at the nations largest banks?
- How many banks are well capitalized?
- What are the four key Basel III ratios?
- What are the components leading to:
- CET1 Capital Ratio
- Tier 1 Capital Ratio
- Total Capital Ratio
- Tier 1 Leverage Ratio
- What are the five descriptions for capitalization?
- What Call Report Schedule RC-R lines are used for the numerators and denominators for the four key ratios?
- What constitutes a walkthrough Schedule RC-R that leads to the four ratios?
WHO WILL BENEFIT?
- Controllers personnel
- Call Report preparers – new and experienced
- Call Report reviewers
- Regulators
- Internal auditors
- External auditors
- Risk managers
- Corporate counsel
- Senior management
- Directors
Senior management
Directors on the Board
Financial expert on the Board
Call Report Reviewers
Call Report Preparers
Newcomers to banking
Seasoned bankers
- Explanation of scarce capital situation in US banking
- Brief explanation of Basel III
- Review of actual and required Basel III ratios
- Computational process for computing the four key ratios
- Walkthrough of Schedule RC-R with focus on numerators and denominator leading to the four key ratios
- Explanation of important items that are part of the numerators and denominators
- The risk-weighting approach for assets and off-balance sheet items used in the denominator
- How scarce is capital at the nations largest banks?
- How many banks are well capitalized?
- What are the four key Basel III ratios?
- What are the components leading to:
- CET1 Capital Ratio
- Tier 1 Capital Ratio
- Total Capital Ratio
- Tier 1 Leverage Ratio
- What are the five descriptions for capitalization?
- What Call Report Schedule RC-R lines are used for the numerators and denominators for the four key ratios?
- What constitutes a walkthrough Schedule RC-R that leads to the four ratios?
- Controllers personnel
- Call Report preparers – new and experienced
- Call Report reviewers
- Regulators
- Internal auditors
- External auditors
- Risk managers
- Corporate counsel
- Senior management
- Directors
Speaker Profile
Paul J. Sanchez
Paul J. Sanchez, CPA, CBA, CFSA, CGMA conducts a small CPA practice in Port Washington, New York. He is also the owner of Professional Service Associates (PSA), a consulting and professional training and development business servicing corporate clients (auditors, controllers, etc.), CPA firms, professional associations and others. He was an assistant professor at Long Island University - C.W. Post Campus as well as an adjunct lecturer at City University of New York. Prior to starting PSA, he was the Vice President-Professional Development for the Audit Division of a regional bank and Director of Professional Practices and Vice President of a …
Upcoming Webinars
Writing Techniques for Auditors and Risk Management Profess…
Transforming Anger And Conflict Into Collaborative Problem …
Unlock Employee Loyalty: Stay Interviews Will Keep Them Eng…
Stop Letting that Difficult Person Ruin Your Day - Effectiv…
Handbook Overhaul 2026: Compliance, OBBB Act & Beyond
Introduction to Microsoft Power BI Dashboards
Managing Difficult Employee Conversations
ChatGPT for HR - Build HR Policy Framework and Strategy
Independent Contractor vs. Employee - 2026 IRS Guidance on …
Stop Conflicts Before They Become Big Problems: Practical S…
Virtual and In-Person Onboarding Your New Hire: Policies, P…
Setting SMART Goals & Leveraging Storytelling for Reporting
Major Changes in W2 and 1099 for 2026 Compliance! Learn How…
Female to Female Hostility @Workplace: All you Need to Know
Rewiring Your Emotional Triggers: Leading with Clarity and …
I-9 Audits: Strengthening Your Immigration Compliance Strat…
Electronic Payment Fraud Prevention Best Practice
Onboarding Best Practices for Millennial and All Employees
From Spreadsheet Logic to Analytics Logic: Excel → Power BI…
Mastering the Prompt: How Every Professional Can Use AI to …
Batch Record Review and Product Release
Managing Toxic & Other Employees Who Have Attitude Issues
Emotional Intelligence: Mastering the Emotions of Great Lea…
FDA QMSR Explained: How the QMSR Replaces the QSR
ChatGPT for CPAs and Finance Professionals
2-Hour Virtual Seminar on How to Conduct an Internal Harass…
Project Management for Non-Project Managers - How to commun…
Leading a Project and Team in Stressful Times: Supporting y…
Excel - Pivot Tables - The Key To Modern Data Analysis and …
Better Business Writing-How to Write Right
HR Metrics and Analytics 2026- Update on Strategic Planning…
Excel + AI: The Smart User's Guide to Faster, Easier Work w…
4-Hour Virtual Seminar on Secrets of Psychology - Why Peopl…
Accounting For Non Accountants : Debit, Credits And Financi…
Thriving in a Hybrid Workplace: Keys to Leadership and Team…
Conquer Toxic People - Learn To Protect Yourself And Get Yo…
FDA Regulation of Artificial Intelligence/ Machine Learning
Beyond Orientation: Build a Strategic Onboarding Experience…