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 What UBPR Enhancements are going into production in December 2021?
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 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 Why does peer group average data not add up?
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 Peer Group Distribution Report
o State Average Distribution Report
- What is the Uniform Bank Performance Report? The UBPR is a multi-page financial analysis of a commercial bank or savings bank that files the Consolidated Reports of Condition and Income (Call Report). The UBPR is organized by subject, e.g., earnings, balance sheet, asset quality, liquidity, and capital. Each report contains data for five separate periods of time (quarters) that tie to the quarterly Call Report filed by banks. Refer to the table of contents at the front of the UBPR for an individual bank for more information. The UBPR compares the performance of a given bank both against itself over time and against the performance of a group of peer banks. Peer group average and percentile ranking data provide benchmarks to measure bank performance. A UBPR may be viewed online, printed, or exported to a delimited file for further use in Excel. Additionally, once implemented within the Central Data Repository, the UBPR may be exported to an eXtensible Business Reporting Language (XBRL) file for use in XBRL enabled tools.
- Who is the target audience for the UBPR? The principal target audience for the UBPR is federal and state banking supervisors and the banks they supervise. To fully use the information contained in the UBPR, users should be familiar with the Reports of Condition and Income (Call Report) and have an understanding of financial analysis.
- Where may a UBPR report be obtained? Please visit www.ffiec.gov and select UBPR on the right hand side of page, then scroll down to search for a Uniform Bank Performance Report. In March 2010, the UBPR will be distributed through the Central Data Repository Public Data Distribution web site (https://cdr.ffiec.gov/public/).
- Is there a Users Guide for the UBPR? Yes, the UBPR User's Guide is available in PDF format on the Public Data Distribution (PDD) website at this link: https://cdr.ffiec.gov/Public/DownloadUBPRUserGuide.aspx. Additionally, calculation methodology for a UBPR ratio is accessible by clicking on the UBPR ratio name in a UBPR for an individual institution.
- Is the UBPR a public or confidential document? In general, the UBPR is a public document. The FFIEC agencies determined that the banking industry and the general public would benefit from having access to the same financial data used by federal and state bank regulators in the supervision of their banks. Consequently, most of the information contained in the UBPR is publicly available on the FFIEC website www.ffiec.gov. The only exceptions are because of confidentiality rules that apply to specific data from the Call Report. Currently, one confidentiality restriction is in place: Income and expense data for fiduciary activities shown on page T2 for quarters prior to March 31, 2009.
- Why can't I see the UBPR report which I selected from the Reports menu? Some of the UBPR reports from the CDR public website display in a new browser window. However, when the user selects one of these reports, pop-up blocker software may prevent the report from displaying. Changing your browser to allow UBPR reports to appear within the CDR public website should resolve this issue. Since there are different kinds of pop-up blockers, please visit the respective pop-up vendor websites to get more information on how to configure your browser.
System Changes
The FFIEC agencies are adding "My UBPR" functionality allowing a UBPR user to save up to 100 of their favorite lines from the UBPR pages to a single new UBPR page. The user logs into the UBPR system using the public login functionality to use this new My UBPR Functionality. The column format for the line items will be based on column formatting for the original line item. The Interactive User Guide, 5Q trend and graphing features similar to the original UBPR line items will be available for the new page. A new user interface will be provided so that the user can select and manage the line items to be displayed on the My UBPR page. Print and download options will be available for the My UBPR page.
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.
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.
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.
There are nine reports:
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?
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"?
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.
2. How can I obtain further help with use of this site?
Please
contact the Help Desk for additional
assistance.
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.
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.
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.
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.
7. How can I obtain Call Report data for periods prior to
2001?
The banking agencies do not retain individual reports prior to March 2001. For inquiries prior to 2001, we direct inquirers to the FDIC's Institution Directory where balance sheet, income statement and some supplementary financial data are available. Historical data may also be available through the U.S. Department of Commerce National Technical Information Service.
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.
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).
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
.
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).
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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