Senior Directors Ashley Phillips and Brian Ropp of KBRA’s Financial Institutions group take us through the fourth episode of Bank Compendium Insights, which features a discussion of the impacts of COVID and CECL one year in for KBRA’s U.S. Bank coverage population. They also provide a summary of the 1Q 2021 financial results and key observations about our long-term rated banking universe, as well as KBRA's expectations for the banking industry for 2021.