About The Federal Financial Institutions Examination Council Internet Reporting System
The Federal Financial Institutions Examination Council Internet Reporting System produces the following reports:
Institution Specific Reports: Uniform Bank Performance Report (UBPR), Call Report, and Thrift Financial Report.
Aggregate Reports: Peer Group Report, Peer Group Distribution Report, State Average Report, and State Average Distribution Report.
The Uniform Bank Performance Report
The Uniform Bank Performance Report (UBPR) is an analytical tool created for bank supervisory, examination, and management purposes. In a concise format, it shows the impact of management decisions and economic conditions on a bank's performance and balance sheet composition. The performance and composition data contained in the report can be used as an aid in evaluating the adequacy of earnings, liquidity, capital, asset and liability management, and growth management. Individuals can use this report to further their understanding of a bank's financial condition.
A UBPR is produced for each commercial bank in the United States that is supervised by the Board of Governors of the Federal Reserve System, Federal Deposit Insurance Corporation, or the Office of the Comptroller of the Currency. UBPRs are produced for FDIC insured savings banks also. The report is computer generated from a data base derived from public sources. It contains several years worth of data, which are updated quarterly. Those data are presented in the form of ratios, percentages, and dollar amounts computed mainly from Reports of Condition and Income submitted by the bank. Each UBPR also contains corresponding average data for the bank's peer group and percentile rankings for most ratios. The UBPR therefore permits evaluation of a bank's current condition, trends in its financial performance, and comparisons with the performance of its peer group.
In addition to the individual bank report, the following is also available:
A Peer Group report, which presents all peer averages
A State Average Report, which presents ratio averages within States
A Distribution report is also produced using the peer groupings in the state average and peer group average reports. Selected percentile values are displayed for individual ratios to provide additional insight into the range of bank performance that comprises an average.
The Call and Thrift Financial Reports
These reports provide detailed public regulatory financial information for all FDIC insured institutions. Users can retrieve facsimiles of the quarterly financial reports filed
by financial institutions for each quarter beginning with the March, 1998 Report. These reports will be updated quarterly.
Every National Bank, State Member Bank and insured Nonmember Bank is required by the Federal Financial Institution Examination Council (FFIEC) to file a
consolidated Reports of Condition and Income (Call Report) as of the close of business on the last day of each calendar quarter, i.e. the report date. The specific
reporting requirements depend upon the size of the bank and whether or not it has any foreign offices. Call Report instructions and forms can be obtained from the Call
Report Instructions and Forms web site: http://www.fdic.gov/banknews/callrept/.
Every federally insured savings institution regulated by the Office of Thrift Supervision (OTS) files a Thrift Financial Report (TFR) on a quarterly basis. These
institutions are required to file a consolidated TFR as of the close of business on the last day of each calendar quarter, i.e. the report date. Thrift Financial Report
instructions and forms can be obtained from the OTS' web site: http://www.ots.treas.gov/tfrpage.html.
The Call Report and TFR data are displayed as reported to the agencies for the date shown on the Search Page and is updated at approximately 60 days and 150 days
after the end of the calendar quarter for the reporting period.
