What is a Call Report?

A call report is a quarterly report that banks and all regulated financial institutions must file with the Federal Financial Institutions Examination Council (FFIEC).

How Does a Call Report Work?

The formal name of the call report is the Consolidated Reports of Condition and Income. It is not the same as the Uniform Bank Performance Report, which is often filed in conjunction with a call report.

A call report is similar to a 10-Q in that it provides a quarterly balance sheet, income statement, and 'narrative' explaining elements of the financial statements to the public and regulators. Filing institutions must conform their reports to a standard format provided by the FFIEC. The Federal Deposit Insurance Corporation (FDIC) audits call reports and stores them for public use.

You can view the FFIEC's call report form here.

Why Does a Call Report Matter?

Every national bank, state member bank, and insured nonmember bank is required by its primary federal regulator (usually the FDIC or the Office of Thrift Supervision) to file a call report as of the close of business on the last day of the calendar quarter. The call reports allow analysts, investors, state regulators, and the public to compare institutions to each other.

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