Each national bank must submit to the Office of the Comptroller of theCurrency (OCC) various reports revealing its financial condition or the resultsof its operations. This information, which is reported for regulatory purposes, isalso available for public disclosure to enable investors, depositors, andcreditors to better assess the financial condition of the bank. In addition, information from several of those reports is used in the Uniform BankPerformance Report (UBPR) which detects unusual or significant changes in abank's financial condition as of reporting dates