Consolidated Reports of Condition and Income

Forms and Documents

Forms and supporting documents for this ICR

Document	Type	Status	Availability
Form FFIEC 051 Consolidated Reports of Condition and Income for a Bank with Domestic Offices Only and Total Assets Less than $5 Billion	Form	Modified	Available
Form FFIEC 041 Consolidated Reports of Condition and Income for a Bank with Domestic Offices Only	Form	Modified	Available
Form FFIEC 031 Consolidated Reports of Condition and Income for a Bank with Domestic and Foreign Offices	Form	Modified	Available
FFIEC031_FFIEC041_FFIEC051_20260911_18_question_omb.pdf	Supplementary Document	Uploaded 2026-09-11	Available
FFIEC031_FFIEC041_FFIEC051_20260911_omb.pdf	Supporting Statement A	Uploaded 2026-09-11	Available

IC Document Collections

Information collection document groups

IC ID	Collection	Type	Status	Form
43112	Consolidated Reports of Condition and Income	Form	Modified	Consolidated Reports of Condition and Income for a Bank with Domestic Offices Only and Total Assets Less than $5 Billion
43112	Consolidated Reports of Condition and Income	Form	Modified	Consolidated Reports of Condition and Income for a Bank with Domestic Offices Only
43112	Consolidated Reports of Condition and Income	Form	Modified	Consolidated Reports of Condition and Income for a Bank with Domestic and Foreign Offices
43112	Consolidated Reports of Condition and Income	Instruction	Modified

ICR Details

OMB Control No: 7100-0036	ICR Reference No: 202609-7100-003
Status: Received in OIRA	Previous ICR Reference No: 202512-7100-005
Agency/Subagency: FRS	Agency Tracking No: FFIEC 031; FFIEC 041; FFIEC 051
Title: Consolidated Reports of Condition and Income
Type of Information Collection: Revision of a currently approved collection	Common Form ICR:  No
Type of Review Request: Emergency	Approval Requested By: 09/25/2026
Date Submitted to OIRA: 09/11/2026

table that charts list comparision

	Requested	Previously Approved
Expiration Date	6 Months From Approved	02/28/2029
Responses	2,820	2,828
Time Burden (Hours)	127,492	128,165
Cost Burden (Dollars)	0	0

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Abstract: The Board uses the information collected on the Call Reports to fulfill its statutory obligation to supervise state member banks. State member banks are required to file detailed schedules of assets, liabilities, and capital accounts in the form of a condition report and summary statement as well as detailed schedules of operating income and expense, sources and disposition of income, and changes in equity capital.

Emergency Justfication: The Federal Deposit Insurance Corporation (FDIC), in coordination with the Board of Governors of the Federal Reserve System (Board), and the Office of the Comptroller of the Currency (OCC) (collectively, the agencies), each of which is submitting a separate request, hereby request approval of revisions to the following currently approved collections of information pursuant to the Office of Management and Budget's (OMB) Paperwork Reduction Act (PRA) emergency processing procedures at 5 C.F.R § 1320.13: • Consolidated Reports of Condition and Income (Call Report) - FFIEC 031, FFIEC 041, and FFIEC 051 [OMB Nos. 7100-0036 (Board), 3064-0052 (FDIC), and 1557-0081 (OCC)] The FDIC has determined that (1) the collection of information within the scope of this request is needed prior to the expiration of time periods established under 5 C.F.R. § 1320.12; (2) this collection of information is essential to the mission of the FDIC; and (3) the FDIC cannot reasonably comply with the normal clearance procedures because an unanticipated event has occurred and the use of normal clearance procedures is reasonably likely to prevent or disrupt the collection of information. The FDIC respectfully requests that OMB act on this emergency clearance request within 10 days and in sufficient time to permit implementation of the revised Call Report instructions. Summary of Revisions: On July 11, 2026, the 21st Century ROAD to Housing Act (the Housing Act) became law. Section 902 of the Housing Act made two amendments to the reciprocal deposit exception provisions in section 29(i) of the Federal Deposit Insurance Act (FDI Act). First, the Act changed the amount and calculation method of the general cap. Second, the Act amended the first prong of the “agent institution” definition to replace the requirement that an institution be found to have a composite condition rating of “outstanding or good” with the requirement that an institution was assigned a CAMELS composite rating of “1,” “2,” or “3” under the Uniform Financial Institutions Rating System (or an equivalent rating under a comparable rating system). To implement the statutory text, the FDIC issued an interim final rule (IFR) to make conforming changes to the FDIC’s brokered deposit regulation in Section 337.6 as well as clarifying certain aspects of the operation of the reciprocal deposits framework to simplify compliance. As the IFR implements statutory changes to both the calculation of the general cap applicable to agent institutions and the criteria for qualifying as an agent institution, the Call Report instructions should be revised to conform to those changes. The proposed revisions also include designating Schedule RC-O, item 9, and item 9a, “Brokered reciprocal deposits,” as confidential. This designation is necessary because, when viewed together with Schedule RC-E, Memorandum item 1.g, “Total reciprocal deposits,” changes in the amounts reported in Schedule RC-O, item 9 and item 9a could indicate that an institution no longer qualifies as an agent institution because its CAMELS composite rating changed from “1,” “2,” or “3” to “4” or “5.” The confidential designation would protect this non-public supervisory information while allowing the Agencies to continue collecting the data needed for supervisory and deposit-insurance assessment purposes. The agencies believe these instructional changes would not create a material change in burden. A more detailed summary of the IFR and related reporting changes is provided in the attached memorandum. The agencies plan to request public comment on the revisions after the emergency clearance through the standard PRA process, including the 60-day and 30-day Federal Register notices requesting public comment.

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Authorizing Statute(s): US Code: 12 USC 324 Name of Law: Federal Reserve Act
   US Code: 12 USC 248(a)(2) Name of Law: Federal Reserve Act
   US Code: 12 USC 1817 Name of Law: Federal Deposit Insurance Act
  

Citations for New Statutory Requirements: None

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Associated Rulemaking Information
RIN:	Stage of Rulemaking:	Federal Register Citation:	Date:
	Not associated with rulemaking

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Federal Register Notices & Comments

Did the Agency receive public comments on this ICR? No

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Number of Information Collection (IC) in this ICR: 1

table that charts list of burden

IC Title	Form No.	Form Name
Consolidated Reports of Condition and Income	FFIEC 051, FFIEC 031, FFIEC 041	Consolidated Reports of Condition and Income for a Bank with Domestic and Foreign Offices ,   Consolidated Reports of Condition and Income for a Bank with Domestic Offices Only ,   Consolidated Reports of Condition and Income for a Bank with Domestic Offices Only and Total Assets Less than $5 Billion

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ICR Summary of Burden

table that charts list of burden

	Total Request	Previously Approved	Change Due to New Statute	Change Due to Agency Discretion	Change Due to Adjustment in Estimate	Change Due to Potential Violation of the PRA
Annual Number of Responses	2,820	2,828	0	0	-8	0
Annual Time Burden (Hours)	127,492	128,165	0	0	-673	0
Annual Cost Burden (Dollars)	0	0	0	0	0	0

Burden increases because of Program Change due to Agency Discretion: No

Burden Increase Due to:

Burden decreases because of Program Change due to Agency Discretion: No

Burden Reduction Due to:

Short Statement: The decrease in total annual burden hours reflects an update to the respondent counts.

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Annual Cost to Federal Government: $2,505,000

Does this IC contain surveys, censuses, or employ statistical methods? No

Does this ICR request any personally identifiable information (see OMB Circular No. A-130 for an explanation of this term)? Please consult with your agency's privacy program when making this determination.     Yes

Does this ICR include a form that requires a Privacy Act Statement (see 5 U.S.C. §552a(e)(3))? Please consult with your agency's privacy program when making this determination.     No

Is this ICR related to the Affordable Care Act [Pub. L. 111-148 & 111-152]? No

Is this ICR related to the Dodd-Frank Wall Street Reform and Consumer Protection Act, [Pub. L. 111-203]? No

Is this ICR related to the American Recovery and Reinvestment Act of 2009 (ARRA)? No

Is this ICR related to the Pandemic Response? No

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Common Form ICR:  No

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On behalf of this Federal agency, I certify that the collection of information encompassed by this request complies with 5 CFR 1320.9 and the related provisions of 5 CFR 1320.8(b)(3).

The following is a summary of the topics, regarding the proposed collection of information, that the certification covers:

(a) It is necessary for the proper performance of agency functions;

(b) It avoids unnecessary duplication;

(c) It reduces burden on small entities;

(d) It uses plain, coherent, and unambiguous language that is understandable to respondents;

(e) Its implementation will be consistent and compatible with current reporting and recordkeeping practices;

(f) It indicates the retention periods for recordkeeping requirements;

(g) It informs respondents of the information called for under 5 CFR 1320.8 (b)(3) about:

(i) Why the information is being collected;

(ii) Use of information;

(iii) Burden estimate;

(iv) Nature of response (voluntary, required for a benefit, or mandatory);

(v) Nature and extent of confidentiality; and

(vi) Need to display currently valid OMB control number;

(h) It was developed by an office that has planned and allocated resources for the efficient and effective management and use of the information to be collected.

(i) It uses effective and efficient statistical survey methodology (if applicable); and

(j) It makes appropriate use of information technology.

If you are unable to certify compliance with any of these provisions, identify the item by leaving the box unchecked and explain the reason in the Supporting Statement.

Certification Date: 09/11/2026

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