Glossary
Regulatory language, translated carefully.
Short definitions help with orientation. Metric pages and official instructions control the precise calculation for a specific period.
- BHC
- Bank holding company; a legal entity that controls one or more banks. BHC and insured-bank facts are not interchangeable.
- Call Report
- Quarterly Reports of Condition and Income filed by insured banks, generally through FFIEC forms.
- CET1 ratio
- Common equity tier 1 capital divided by risk-weighted assets under the applicable regulatory definition.
- FDIC certificate
- Stable identifier assigned to an FDIC-insured institution; it differs from an RSSD ID.
- FR Y-9C
- Consolidated financial statement filed by qualifying bank holding companies with the Federal Reserve.
- Net interest margin
- Annualized net interest income as a percentage of average earning assets under the cited source definition.
- Peer cohort
- A disclosed comparison population defined by period and attributes such as assets, geography, charter, or regulator.
- Reporting period
- The date to which a financial observation applies; it is distinct from retrieval and publication dates.
- RSSD ID
- Federal Reserve National Information Center identifier used for regulated entities and ownership relationships.
- Summary of Deposits
- Annual FDIC branch-office deposit survey used for market-share and geographic deposit research.