bullish
90: Adventures In Accounting: Triumph Bancorp ($TBK) Charge-Off Analysis
SUMMARY
- Included in bank earnings is a provision for loan losses.
- In a perfect world, management would know exactly which loans would go bad and how much money they would lose on those loans.
- In reality, estimates are required. Like insurance companies, banks typically apply a statistical model based on the risk rating classification of their loan book plus any specific reserves.
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