Similar to identity theft, this type of fraud happens when an unauthorized individual gain access through online banking applications, capturing the account information to create and write bad checks.
Account-centric enterprise content management solutions allow users to access account holder information based on their account numbers.
ACH (Automated Clearing House) is an electronic payment network that enables banks, credit unions, businesses, and consumers to securely send and receive funds between accounts for transactions such as direct deposit, bill payments, recurring payments, and account transfers.
An adverse action notice is a document sent to a loan applicant stating a bank’s rationale for denying a loan. It may also contain a counteroffer, such as a lesser amount or a request for an approved co-borrower.
Agentic AI refers to artificial intelligence systems that can autonomously plan, reason, make decisions, and take action to achieve specific goals with limited human intervention.
The term “aging exceptions” refers to a group of critical exceptions that have not been resolved within a reasonable amount of time.
Altered check fraud occurs when a fraudster changes the amounts and Payee from a stolen check.
API is short for “application programming interface.” Technology companies like Alogent rely on APIs to connect multiple software applications, thereby enabling a two-way exchange of information to support users’ needs.
Audit and exam prep is a process that financial institutions go through in order to adequately prepare for upcoming audits and exams.
An authorized signer form is a document that allows an account holder to grant a range of clearance levels to individuals to perform certain functions within a bank account.

Uniform Bank Performance Report (UBPR)

A UBPR, or Uniform Bank Performance Report, consolidates data submitted by financial institutions to the Federal Financial Institutions Examination Council (FFIEC) and aggregates it to demonstrate quarterly trends. Banks and credit unions regularly provide information to the FFIEC, which in turn makes it available to financial institutions and examiners in a usable format—without the need to create their own reports and dashboards.

The UBPR provides insight into the consequences of both managerial decision-making and economic influences on a financial institution’s health.

What is Included in the UBPR?

The UBPR is packed full of helpful metrics and data points. Just within the “summary ratios” section of the report, bankers and examiners can find numerous:

  • Interest income ratios
  • Margin analysis ratios
  • Loan and lease analysis ratios
  • Liquidity ratios
  • Capitalization ratios
  • Growth rate ratios
  • Asset ratios
  • Net income ratios

Drilling down into specific sections of the report provides deeper insight into a variety of other data points, including data from the financial institution’s income statement and balance sheet.

Other Reports Found on the UBPR Site

Used by both financial institution administrators and bank or credit union examiners, the UBPR website also provides a number of other reports, such as:

  • Custom Peer Group Bank Report
  • Peer Group Average Report
  • Peer Group Average Distribution Report
  • State Average Report
  • State Average Distribution Report
  • List of Banks in Peer Group Report

UBPR Uses

The UBPR can be helpful to financial institutions in several ways. Bank and credit union managers and examiners can quickly review the reports to evaluate an institution’s performance. UBPR makes it easier to understand if a financial institution is in a period of growth or decline in terms of earnings, liquidity, and assets. The UBPR can also be used to generate an executive summary report for the financial institution’s board members.

Financial institutions considering a merger or acquisition may look at a UBPR when performing initial due diligence. Additionally, the UBPR provides a straightforward solution for performing peer review, allowing a financial institution to compare a competitor’s data to their own.

Bank Management Resources

For more information about bank management, be sure to check out our extensive resource library with free spreadsheets, whitepapers, and eBooks.

Browse our banking definitions page for more terminology.
 

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