Major U.S. Bank Regulatory Filings

Filing Filed By Filed To Frequency Purpose
Y-9C (Consolidated Financial Statements) Bank Holding Company (BHC) / SLHC Federal Reserve Quarterly Consolidated financial statements, capital monitoring
Y-9LP (Parent Company Only) Bank Holding Company Federal Reserve Quarterly Parent-only income and condition (double leverage, debt)
Call Report (FFIEC 031/041/051) Banking Subsidiary OCC (national banks), Fed (state members), FDIC (state nonmembers) Quarterly Core balance sheet, income, capital, loan/deposit detail
FR Y-14 (Stress Test Reports) Large BHCs > $100B Federal Reserve Quarterly / Annual Data for CCAR/DFAST stress testing
10-K / 10-Q / 8-K Public Bank Holding Companies SEC 10-K annual, 10-Q quarterly, 8-K event-driven Investor financials, MD&A, risk, material events
Proxy Statement (DEF 14A) Public Bank Holding Companies SEC Annual Solicit shareholder votes (directors, comp, proposals)
FR Y-6 (Annual Report) Bank Holding Company Federal Reserve Annual Corporate structure, ownership, governance
FR Y-10 (Org Structure Changes) Bank Holding Company Federal Reserve Event-driven (30 days) Report acquisitions, divestitures, control changes
FR Y-15 (Systemic Risk Report) Large BHCs / IHCs Federal Reserve Annual Systemic footprint for G-SIB surcharge
FR Y-11 (Nonbank Subsidiaries) Bank Holding Company Federal Reserve Quarterly / Annual Financials of significant nonbank subs
FFIEC 009/009a (Country Exposure) Banks with foreign exposures Federal Reserve Quarterly Break down international exposures by country
CRA Exams & Public File Banking Subsidiary OCC / FDIC / Fed ~Every 2–3 years Evaluate community lending to LMI areas
FR Y-16 (Stress Testing for $10B–$100B) Mid-size BHCs / Banks Federal Reserve Annual (when required) Dodd-Frank stress testing (repealed for many)

DEALER acronym for accounting:

Letter Account Type Increases With Decreases With
D Dividends Debit Credit
E Expenses Debit Credit
A Assets Debit Credit
L Liabilities Credit Debit
E Equity Credit Debit
R Revenue Credit Debit

General overview:

Investment Bank - Banking vs Markets

Investment Banking - Want to raise money Global Markets - Have money and want to invest
Mergers & Acquisitions – Advise on buying and selling companies or segments Sales – Help investors buy or sell stock, bonds, or derivatives
Debt Capital Markets – Raise money in bond markets Trading – Buy and sell stocks, bonds, or derivatives from clients
Leveraged Finance – Help high-debt companies raise bonds and loans Electronic Trading – Connect investors to exchanges and execution platforms
Equity Capital Markets – Raise money in the stock market Financing – Help investors finance their positions
  Research – Provide investment insights through reports and analysis

Sales and Trading Classifications

FICC:

Equities:

Macro Products: - That rely on overall market/economy

Spread Products:

Quant Roles:

Research:

Products that require Balance Sheet Prowess:

Boutique Bank Products Products Requiring Balance Sheet
Mergers and Acquisitions Bank Revolvers
Equity Capital Markets Investment Grade Syndicated Loans
Equity Sales & Trading Trade Finance, Letter of Credit
Leveraged Finance and Private Capital Cash Management
Investment Management Investment Grade Debt Origination
Wealth Management Derivatives (Swaps, Futures, Options)
  Credit Trading

Raising Funds Options:

Cost Level Category Instruments / Options
Lowest Cost Asset Backed Finance Receivables, Trade Finance, Inventory
  Debt Commercial Paper (Short Term), Bonds, Loans
Highest Cost Equity IPO (First Issuance), Follow-On (Additional Issuance), Convertible Bonds

M&A Advisory Work

Invest Grow Exit
Acquisition Bolt-on/Roll-ups Strategic Sale
Minority Stake Fundraising Secondary Sale
  Divestiture IPO

ECM Work:

DCM Work:

Risk Solutions:

Functional Types of IB Work

Bank Metrics:

Some example Things to do:

Capital Roll Forward:

Benchmarking Banks:

Comparison Dimensions:

Selecting Peer Group:

Finding Peer Groups:

Risk Management Page: