Go to Frequently Asked Questions for UBPR or Call Report

UBPR 

o    What is the Uniform Bank Performance Report?

o    Who is the target audience for the UBPR?

o    Where may a UBPR report be obtained?

o    Is there a Users Guide for the UBPR?

o    Is the UBPR a public or confidential document?

o    Why can't I see the UBPR report which I selected from the Reports menu?

o    Has the UBPR system changed?

o    Will the UBPR data change when it is processed in the CDR?

o    If I printed a UBPR for a financial institution from December 2008 using the old system, why does it look different from the UBPR for the same institution from the new system?

o    Why does some financial data in a new UBPR appear as a null value, while in an old UBPR it appears as a zero?

o    What is the source of UBPR data?

o    What kinds of data appear in the UBPR?

o    Which banks is the UBPR computed for?

o    Is a UBPR computed for holding companies?

o    What is the earliest UBPR data that is available?

o    I can’t find the UBPR for my bank.

o    My bank may have merged – how can I find the successor bank?

o    Where is the regulatory or supervisory rating for a bank?

o    Is bulk UBPR data or data for all banks available as a dataset?

o    Why did UBPR data for a bank change from the last time a UBPR was printed?

o    Why does the standard UBPR scroll over to many pages when printing?

o    What impact does a merger have on UBPR data?

o    How frequently is UBPR data updated?

o    When will UBPR bank data for the most recent quarter become available?

o    How is the availability of UBPR data impacted by processing of the underlying Call Report?

o    When will UBPR Peer Group data for the most recent quarter become available?

o    When will current quarter data for the other UBPR reports such as peer group data, peer group distribution, state average, etc., be available?

o    How are Peer Groups defined?

o    Why did UBPR Peer Group data change from the last time a UBPR was printed?

o    Why was my bank assigned to another peer group?

o    What are trust peer groups?

o    Why does peer group average data not add up?

o    What is the PCT column?

o    What is the PG column?

o    How is a specific ratio computed?

o    What is the tax equivalent adjustment and how is it computed?

o    How is the efficiency ratio computed?

o    I am having trouble computing a yield, rate or other earnings related ratio.

o    Where are the regulatory capital ratios used by banking supervisors?

o    Why are there two sets of earnings ratios found within the UBPR report?

o    What impact does a merger have on UBPR data?

o    How Many Reports that Use UBPR Data are Available?

o    List of Banks in Peer Group

o    Peer Group Data Report

o    Peer Group Distribution Report

o    State Average Report

o    State Average Distribution Report

o    Custom Peer Group Report

o    Bank XBRL Document  


General

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System Changes

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UBPR Data

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1. Dollar data for individual banks appears on most pages and is derived from the Call Report and the Summary of Deposits. All dollar data is displayed in thousands, consistent with the standard used in the Call Report. Income and expense data that appears in the UBPR is generally year-to-date. Balance sheet data displayed in the UBPR is usually a spot or end-of-period value.

2. Ratio data appears on many pages. Some ratios are quite complex and involve several levels of computation. Ratios are displayed in percent format to two decimals of precision.

3. Peer group average data is computed for many ratios. An average of a given ratio for all banks within the peer group is presented as a benchmark to measure individual bank performance.

4. Percentile rankings are computed for most ratios contained in the UBPR. It is a value from 0 to 99 and reflects the percentile or percentage position of a given bank relative to other peer banks for a specific ratio.

5. Some structural or demographic information is displayed, including identifying information such as RSSDID number, Certificate Number, street address and holding company information.

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UBPR Data Availability

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Peer Group Data

Banks are placed into one of six broad categories defined by line of business. Specific peer groups are also defined within many of those six broad categories. See the online Users Guide at https://cdr.ffiec.gov/Public/DownloadUBPRUserGuide.aspx for additional details.

1. Commercial Banks - banks not in one of the subsequent specialty peer groups are considered commercial banks. These 15 peer groups are defined by a combination of asset size, number of branches and location in a Metropolitan Statistical Area. Most banks fall within this grouping.

2. Savings Banks - FDIC insured and supervised savings banks are in one of four peer groups defined by asset size within this special line of business category.

3. Credit Card Specialty Banks - Insured commercial banks whose lending activities are focused on credit cards are in one of three peer groups within this special line of business peer group.

4. De Novo Banks - Newly chartered insured commercial banks are placed into a peer group defined by the year of opening. Banks remain in the de novo peer group for 5 years after which they are moved to another peer group.

5. Bankers Banks - Insured commercial banks that are chartered as banker’s banks are placed in a single special line of business peer group.

6. Fiduciary Banks - Banks chartered to carry on the trust business typically have minimal loan and deposit activity.

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Ratios

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Earnings related ratios are all computed in the following manner: Income or Expense is first annualized then divided by an average of the asset or liability. The following rules apply:

1. Income or expense is annualized by multiplying by 4, 2, 1.33 or 1 depending on the quarter (first, second, third or fourth).

2. If the bank is a de novo bank in the first year of operations or reports a pushdown transaction, then the annualization is adjusted to count the actual number of days. The revised annualization factor is: 365 (366) / number of days.

3. The average asset or liability is always based on a year-to-date average and uses the best average possible. Thus, if the data is in the Call Report Schedule RC-K, that data is used. Otherwise, spot balances from other schedules are averaged.

4. If the bank was involved in a significant merger (asset growth > 25%), then only assets or liabilities from the date of the merger forward are used.

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All UBPR Reports

There are eight reports:
  • Performance Report
  • Peer Group Average Report
  • Peer Group Average Distribution Report
  • State Average Report
  • State Average Distribution Report
  • List of Banks in Peer Group
  • Bank XBRL Document 
  • Custom Peer Group Bank Report

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Call Report FAQs: 

1.       What type of information is available on this site?

2.       How can I obtain further help with use of this site?

3.       How can I download an individual schedule (or a few schedules) of a Call Report?

4.       Why are data values that are usually expressed as percentages presented as decimal fractions?

5.       On the Search page, what is a Unique Identifier?

6.       Why do the facsimile reports not have convenient page breaks and other display related features of the former Call site?

7.       How can I obtain Call data for periods prior to 2001?

8.       Where are the Call Report Instructions and blank forms located?

9.       How do I search for the Bank of the Federated States of Micronesia?

10.    In the bulk data download files, why are some of the data fields “blank”?

11.    How can I print the full text of this FAQ page and other pages without the text being truncated on the printed page?

12.     What is the FFIEC 051 Form?

 

 

1. What type of information is available on this site?

For an overview, see About the FFIEC CDR Public Data Distribution website and its data.

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2. How can I obtain further help with use of this site?

Please contact the Help Desk for additional assistance.

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3. How can I download an individual schedule (or a few schedules) of a Call Report?

From the Welcome Page, two options are available:

 

A. Under the section “View or download data for individual institutions”, the user must select "Call" as the report type and then enter a search criteria to specify the institution for which you want one or more schedules. Download the entire Call Report using one of the three available options at the top of the screen. Once downloaded, select and copy the schedules you want into a new document or, alternatively, delete the schedules you do not want from your downloaded document.

 

B. Under the section “Download bulk data”, you can download into a single tab-delimited file all of the Balance Sheet, Income Statement, and Past Due items for all reporters for a calendar year (four periods of data). Once data is downloaded, delete unwanted columns.

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4. Why are data values that are usually expressed as percentages presented as decimal fractions?

Percentage values are collected in decimal fraction format and are being displayed that way.

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5. On the Search page, what is a Unique Identifier?

Each banking regulatory agency assigns a special identifying number to a federally insured institution. The identifiers are the Federal Reserve’s ID RSSD, the FDIC’s certificate number, and the OCC’s charter number. The American Bankers Association also assigns a unique identifier, the ABA routing number. An identifier type is selected from the drop-down list and then the corresponding number is entered in the text box below.  Using a unique identifier enables you to retrieve data for an institution quickly and reduces the possibility of the institution not being found because a name was entered incorrectly.

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6. Why do the facsimile reports not have convenient page breaks and other display related features of the former Call site?

Previously, facsimile reports were provided as HTML pages. HTML pages are viewed on the screen without regard to the number of lines per page; this meant that page breaks for printing had to be controlled manually so that only 88 lines of text would print on a page. This worked fine as long as you didn’t change the size of the font while viewing it on the screen. If you changed the size of the font using the browser’s View menu and then printed the page, the page would still break after the 88th line regardless of where that actually appeared.

 

The new facsimiles are presented in Portable Document Format (PDF) where the page you view on the screen is very similar to the printed page. In a PDF browser, you can enlarge the viewing area temporarily to improve readability without affecting how the page is printed.

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7. How can I obtain Call Report data for periods prior to 2001?

If you wish to obtain a printed copy of an individual Call Report facsimile for periods prior to 2001, please contact the FDIC Public Information Center for ordering instructions and current fees by E-Mail at publicinfo@fdic.gov, by telephone at 877-275-3342 or 703-562-2200, or by fax at 703-562-2296.

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8. Where are the Call Report Instructions and blank forms located?

You can access instructions and forms at http://www.fdic.gov/regulations/resources/call/index.html.

Both are also available at http://www.ffiec.gov/forms031.htm , http://www.ffiec.gov/forms041.htm and http://www.ffiec.gov/forms051.htm.

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9. How do I search for the Bank of the Federated States of Micronesia?

You can search using either the ID RSSD (718275) or the FDIC Cert (26539).

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10. In the bulk data download files, why are some of the data fields “blank”?

Two scenarios might cause a field to be blank:

 

A. The fields may be blank because the data item is not publicly available. Contact information, and several items on the Call Reports are confidential, and therefore they are not available to the public. In the Call Reports, Schedule RI-E, item 2.g, “FDIC deposit insurance assessments”, for report dates beginning June 30, 2009; Schedule RC-F, item 6.f, “Prepaid deposit insurance assessments”, for report dates beginning December 31, 2009, Schedule RC-T, Fiduciary and Related Services, on the components of fiduciary and related services income (but not “Total gross fiduciary and related services income”) and on fiduciary settlements, surcharges, and losses (Memorandum, item 4), on an individual bank basis for report dates prior to March 31, 2009; and Schedule RC-N, Past Due and Nonaccrual Loans, Leases, and Other Assets, in column A, “Past due 30 through 89 days and still accruing” and in all of Memorandum, item 1, “Restructured loans and leases included in Schedule RC-N above”, on an individual bank basis for report dates prior to March 31, 2001, will not be publicly disclosed. See instructions and forms for additional details.

 

B. A blank may also appear when an item is not required to be reported by an institution. The form for banks with foreign offices (FFIEC 031) has more detail than the report forms for banks with domestic offices only (FFIEC 041 and FFIEC 051). For more information, refer to the General Instructions section “Differences in Detail of Reports” in the Reports of Condition and Income Instruction Books.

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11. How can I print the full text of this FAQ page and other pages without the text being truncated on the printed page?

Move the cursor over any of the text on the page you wish to print, right click, then choose “Print...” (not Print Preview).

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12. What is the FFIEC 051 Form?

The FFIEC 051 is a streamlined version of the existing Consolidated Reports of Condition and Income for a Bank with Domestic Offices Only (FFIEC 041), which was created by (1) removing certain existing schedules and data items and replacing them with a limited number of data items in a new supplemental schedule, (2) eliminating certain other existing data items, and (3) reducing the reporting frequency of certain data items. The FFIEC 051 is generally available to institutions with domestic offices only and assets of less than $1 billion.

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