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Call Report Common Exam Issues

Join us for this focused 90‑minute webinar that delivers practical insights into the close relationship between Call Reporting and the Report of Examination (ROE).

This session explores how information reported in the Call Report often surfaces in regulatory exams—and why inconsistencies frequently lead to examiner findings. We’ll review common exam issues, explain why they occur, and share effective strategies for resolving them. Participants will gain practical tips to help prevent exam comments, respond efficiently when issues arise, and properly document the bank’s corrective actions and timely responses.

Upcoming
DATE

Thursday, June 4, 2026
2:30 pm - 4:00 pm

INSTRUCTOR

Lauren SparksAndrea Lambert

FORMAT

Webinar

CREDIT TYPE

1.5 CPE Credits

$299.00 or 1 Token

Includes: Live Access, 30 Days OnDemand Playback, Presenter Materials and Handouts

  • Accounting/Reporting
  • Auditing
  • General Compliance
  • Management/Employee Development
  • Reporting
  • Board Member
  • Internal Auditor
  • Risk Manager
  • Training Manager
  • Trainer
  • Workout Specialist/Collector

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Regulatory agencies (FDIC, Federal Reserve, and OCC) use Call Report data for ongoing supervision, risk assessment, and financial analysis. This data is a primary source for evaluating an institution's financial condition, performance, and risk profile. Even though regulatory exam frequencies seem to be lessening, the emphasis on robust regulatory reporting is increased.

Especially when examiners have less time in the Bank, we expect them to focus more on the financial institution’s own risk management process around accurate reporting. Lack of accuracy casts a shadow over management and CAMELs ratings. The examination and review of a bank often results in comments regarding the Call Report. Lately, examiner scrutiny is focused on accurate regulatory reporting as it is impacted by granular schedule items such as loan classification, allowances, liquidity reporting and other re-classifications that trickle down to the Call Report.

What You'll Learn

WEBINAR TOPICS WILL INCLUDE:

Examples of Exam Findings:

  • Designation and training of reporting personnel
  • Accuracy of Books and Records
  • Credit Risk Management including identification of non-accrual loans
  • Concentration of Credit Monitoring based on loan codes
  • Appropriate and adequate Allowance for Credit Losses
  • Requirement for independent Third-Party Review
  • Intangible Assets

A Summary of Call Report Best Practices including:

  • Materiality for amended Call Reports
  • Call Report Workpapers
  • Documenting amended Call Reports
  • Books and Records Program or Call Report Policies and Procedures
  • Sustainable reporting throughout the Bank
  • Training

Who Should Attend

Whether you want to learn from others’ exam findings, enhance your understanding of the exam process, or seek guidance on meeting regulatory expectations, this webinar will equip you with the knowledge needed to navigate these critical aspects of regulatory reporting. From Call Report beginners to auditors and seasoned reporters, attendees at any level will benefit from best‑practice discussions.

Skill level:None

Lauren Sparks

Instructor Bio

With a career spanning 40+-years as a community banker and banking regulatory risk management consultant, Lauren Sparks is an accomplished advocate for community banks and women’s financial services leadership. In her career Ms. Sparks held positions in community banks that ranged from teller to Investment Officer, Loan Officer, and Cashier. She founded a women-owned, women-led denovo community bank and served as CEO and Chairman of the Board. In risk management consulting, Ms. Sparks moved to bank consulting firms at a local level, and then to a national level where as a Director she specialized in troubled banks and fintech. In 2009, Ms. Sparks formed 3PR, Inc., a woman-owned consulting firm specializing in community banks and financial service firms where she serves as CEO. 3PR serves more than 50 community banks at any given time and has been a preferred vendor for one of the world’s largest software providers.

She has edited the Reference Guide for Regulatory Compliance Manual (RGRC) for the American Bankers’ Association (ABA). Ms. Sparks is a founder of the Houston chapter of the Association of Certified Anti-Money Laundering Specialists (ACAMS) and is a Certified Anti-Money Laundering Specialist (CAMS), Certified Regulatory Compliance Manager (CRCM), and has been an Accredited ACH Professional (AAP).

Andrea Lambert

Instructor Bio

Andrea Lambert is currently lending her skills as Senior Call Report Consultant and member of the 3PR staff. Andrea has over 20 years of banking experience with a broad range of financial and operational skills. She began her banking career as a part-time teller and bookkeeper as she completed her B.S. in Finance from Illinois State University. In 2005, she started a seven-year career with the Office of the Comptroller of the Currency as an associate national bank examiner, becoming familiar with rules and regulations, best practices, and success strategies as they relate to the call report process and the banking industry as a whole. In 2012, Andrea filled the cashier position at a local community bank. During the ten years she worked there, she was responsible for ensuring the accuracy of various operational components of the bank, with a focus on call report preparation.

Continuing Education Credit Information

Call Report Common Exam Issues has been approved for 1.5 CPE credits. Credits are redeemable for Live attendance only.

OnCourse Learning is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website: www.nasbaregistry.org.

Students can contact OnCourse Learning via email at support@oncourselearning.com to lodge complaints or issues.

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