What Is the Uniform Bank Performance Report (UBPR)?
Let me explain to you what the Uniform Bank Performance Report (UBPR) is—it's an analytical tool developed by the Federal Financial Institutions Examination Council (FFIEC) to assist in supervising and examining financial institutions. The UBPR analyzes how management decisions and economic conditions affect a bank's balance sheet. It looks at liquidity, capital adequacy, earnings, and other elements that might threaten the bank's stability.
Key Takeaways
You should know that the Uniform Bank Performance Report (UBPR) provides a summary of the financial position, performance, and risk exposures of American banks. These reports feature key ratios for the current quarter, the previous quarter, the year-ago quarter, and include year-to-date information. The UBPR is submitted along with a Call Report, which covers additional details like the bank's financial statements, loans and deposits, investments, and changes in capital, among other data.
Understanding the Uniform Bank Performance Report (UBPR)
When I talk about the Uniform Bank Performance Report, I'm referring to a document that summarizes how economic conditions and management choices influence a bank's performance and its balance sheet composition. You can use the data to assess if the bank is generating sufficient earnings and maintaining adequate liquid assets. It also helps in managing the bank's growth, assets, and liabilities. For bankers and examiners, the UBPR is essential for grasping a bank's financial condition, allowing you to maintain its health or restore it if needed.
Banks typically depend on short-term deposits to finance long-term loans to consumers and businesses. This setup exposes them to significant risks if conditions worsen or if there's a sudden rush of deposit withdrawals. That's why the FFIEC monitors bank stability through the UBPR.
UBPR Delivery Schedule
A bank's UBPR is typically published within 24 hours after filing the related Call Report with the Central Data Repository. However, if there are errors in the Call Report, the UBPR won't be released until those issues are fixed.
UBPR Recalculation Schedule
The data in a bank's UBPR gets updated continuously. For the current quarter, it's recalculated every night and published each morning. Data for the current quarter and the four previous quarters is recalculated every Friday night and published the following Saturday morning. There's also a 21-period recalculation done once per quarter, happening two weeks before banks begin submitting new Call Reports, with the recalculated data published within three days.
After most banks have filed their Call Reports and the UBPR data is calculated, peer group average data is published. For all peer groups except 1 and 2, this happens 30 days after the Call Report filing date or on the due date. For peer groups 1 and 2, it's published 35 days after the filing date or on the due date.
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