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F R ed er a l e s e r v e B ank O F DALLAS W ILLIA M H. W ALLACE FIRST V IC E PR E S ID E N T AND C H IE F O P ER ATIN G O FFIC E R , , J U l y „ 1 QQn J w , l y y U DALLAS, TEXAS 7 5 2 2 2 C ircular 90-49 TO: The Chief Executive Officer of each memb e r bank and others concerned in the Eleventh Federal Reserve District SUBJECT March 1990 Uniform Bank Performance Report DETAILS The Federal Financial Institutions Examination Council (FFIEC) has announced that the March 1990 Uniform Bank Performance Report (UBPR) is ready for d i s t r ibution and sale to the public. The FFIEC is again making available c omputer tapes of data for this edition of the Report. The quarterly UBPR permits both summary and in-depth analysis of a commercial b a n k ’s performance and trends. ATTACHMENTS Ordering instructions for the UBPR and s u pplementary reports are attached. MORE INFORMATION Questions concerning the UBPR should be addressed to Dorsey Davis at (214) 744-7420. If you would like to receive additional copies of this circular, please contact the Public Affairs Department at (214) 651-6289. S i n c erely yours, For additional copies of any circular, please contact the Public Affairs Department at (214) 651-6289. Bankers and others are encouraged to use the following toll-free number in contacting the Federal Reserve Bank of Dallas: (800) 333-4460. This publication was digitized and made available by the Federal Reserve Bank of Dallas' Historical Library (FedHistory@dal.frb.org) THE UNIFORM BANK PERFORMANCE REPORT ORDER FORM Complete the appropriate c o l u m s indicating the UBPR products desired (refer to instructions on the reverse side). Send order form and check (made payable to the: Federal Financial Institutions Examination Council) to: UBPR, Department 4320, Chicago, II 60673. For additional information on your UBPR order, please call the FDIC Disclosure Group at 1-800-843-1669 (in the Washington, DC area 1-202-898-7108). For questions regarding content of the UBPR products, please call Jon Wisnieski at 1-202-357-0111. FOR FDIC USE ONLY! Canpleted order should be Bailed to: Log N um b e r... CONTACT PERSON: Date R ec ei ve d. . NAME (Bank or Company): Dollar A m o u n t . . STREET ADDRESS: _ _ _ _ _ Date E n t er ed . .. P.O. BOX: _ _ _ _ _ _ _ _ _ _ Date Mai led.... CITY: STATE: TELEPHONE NUMBER: FDIC CERT NUMBER* Processed B y . .. ZIP: Requestors ID.. DATE ORDERED: Bank Report for Insured Bank Name City State Call Report # of Copies Requested Date Unit Cost Total Cost $40.00 $ $40.00 $ $40.00 $ $40.00 $ $40.00 $ $40.00 $ $40.00 $ $40.00 $ $40.00 $ $40.00 $ $ •Only if FDIC certificate number is available. Peer Group Report : V ' <<<> ••• • • Please note $60.00 Peer Groip Report T' z y :, zr' m* m. HIm $60.00 $ $ State Average Report ''""'"'"'I $40.00 State Average Report mmrnmmmrnmmm m u $40.00 When ordering more than ten bank -eports or more than two peer jroup or state average reports, please attach an additional sheet. User's Guide for the Uni fora Bank Performance Report : m::" $ TOTAL COST OF YOUR ORDER (AMOUNT ENCLOSED): $25.00 $ $ THE MARCH 1990 UNIFORM BANK PERFORMANCE REPORTS ARE NOW AVAILABLE! General Information The Uniform Bank Performance Report (UBPR) is an analytical tool created for bank supervisory purposes. In a concise format, it shows the impact of management decisions and economic conditions on a bank's performance and balance-sheet composition and is produced for each insured commercial bank a nd FDIC insured savings bank (Insured Bank) in the United States. The UBPR is computer-generated from the FDIC data base, contains several year's worth of data, and the data is presented in ratio, percentage, and dollar formats. 5. Pifclic Disclosure Tapes * data printed on the Bank Report hard copies are available on tape in bulk format for all banks, peer groups and state averages. These tapes may be of use to requestors who wish to select or analyze data for large numbers of banks or peer groups. A typical UBPR edition would include a maximum of: eight unique tapes for bank data, eight unique tapes for bank rank data, and one tape for peer group and state average data. Data Formats UBPR Products 1. Bank Report - (approximately 12 pages) prepared for each Insured Bank in the U.S. Page Description - Table of Contents 1 Surmary Ratios 2 Income Statement 3 Noninterest Income & Expenses 4 Balance Sheet 5 Commitments and Contingencies 6 Composition of Assets t Liabilities 7 loan Allowance & Loan Mix 8 Past Due, Nonaccrual & Restructured Loans 9 Maturity & Repricing Distribution 10 Liquidity & Investment Portfolio 11 Capital Analysis 2. Peer Gro up Report - (approximately ?50 pages) contains eight pages of ratio averages for each UBPR Peer Group as well as national averages. For UBPR comparisons, commercial banks and FDIC insured savings banks are not commingled. Page Description - Table of Contents 1 Summary Ratios 2 Overhead, Yield & Cost Ratios 3 Composition of Assets & Liabilities 4 Loan Allowance & Loan Mix 5 Past Due, Nonaccrual & Restructured Loans 6 Mat ur it y & Repricing Distribution 7 Investment Portfolio & Capital Analysis 8 C o m m tments and Contingencies 3. State A v e ra ge Report - (approximately 75 pages) contains o ne page of Summary Ratio averages (in the same format as page 1 of the Bank Report) for the nation and each individual state. 4. User's Guide for the UBPR - (approximately 100 pages) documents the Bank Report. The User's Guide includes: o General and technical UBPR information o A sample of each UBPR page and a description of each line item o A worksheet for calculating tax-equivalency adjustment. The typical UBPR format consists of the following: o Year-End - Five consecutive year-end periods (e.g., December 1985 through December 1989). o Hon-Year-End - Current period, one-year ago from the current period, and three year-end periods (i.e., March 1990, March 1989, December 1989, December 1988 and December 1987). Data Types The typical UBPR Publication presents three types of data for each of five periods: o Bank-Level Ratio and Dollar Values: The source of all bank financial data in all of the UBPR publications is the FFIEC Call Reports, which are filed on a calendar quarter basis, o Peer Group Averages: The UBPR system classifies insured commercial banks into 25 unique Peer Groups and FDIC insured savings banks into four unique Peer Groups to show how a group of banks with similar characteristics has performed. This information can be used as a bench mark to assess an individual bank's asset and liability structure, earnings level and off-balance sheet exposure. o Bank Percentile Ranks: Based on the UBPR Peer Groups, the UBPR system ranks each bank ratio within each Peer Group in an ascending order. The resulting percentile rank, ranging from 0 to 99, provides the user an institution's relative position within it's UBPR peer group for each measure. UBPR Data Availability Each quarter, approximately 90 days after the Call Report date, each Insured Bank will automatically receive a copy of its own UBPR Bank Report free of charge. If you have misplaced your bank's UBPR Bank Report an additional copy may be purchased (through the FDIC Disclosure Group). In addition, you may also purchase the Bank Report on your competitors or any other UBPR product by using the order form on the back side of this page. UBPR EDITION AVAILABILITY YEAR 1990 1989 1988 1987 1986 1985 1984 1983 1982 1981 MARCH Yes* Yes Yes Yes - - - JUNE SEPTEMBER DECEM8ER Oct '90Jan '91 April '91 Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes - Yes Yes Yes Yes ■ Yes *FDIC insured savings bank UBPR's are produced for the first time. UBPR PRICING SCHEDULE UBPR PRODUCT PRICE PER COPY 1. Bank Report $40.00 2. Peer Group Report $60.00 3. State Average Report $40.00 4. User's Guide for the UBPR $25.00 5. Public Disclosure Tapes $400.00* *For each data tape How To Order UBPR Publications UBPR publications may be purchased through the FDIC Disclosure Group. All requests must be in writing and payment must be included with the order. Orders should be sent to: UBPR, Department 4320, Chicago, IL 60673. Please make certain to remit the exact dollar amount as nominal overpayments are nonrefundable and underpayments wilt delay shipment of your request. Refunds will only be made in the event of cancellation of an order or product unavailability. For additional information on your UBPR please call the FDIC Disclosure Group at 1-800-843-1669 (in the Washington, DC area 1-202-898-7108). For questions regarding content of products, please call Jon Wisnieski at 1-202-357-0111. the order, UBPR Non-Related UBPR Products For information concerning the Bank Holding Company Performance Reports, call the Federal Reserve Board Publications U ni t at 1-202-452-3244. Currently, the federal regulatory agencies do not produce a performance report for the S&L Institutions.