Full text of District Notices (Federal Reserve Bank of Dallas) : Availability of the Federal Financial Institutions Examination Council December 1997 Reports, Notice 98-43

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Federal Reserve Bank
of

Dallas

ROB E RT D. McTE ER, JR.
DALLAS, TE XAS

PRESIDENT
AND CHIEF EXECUTIVE OFFICER

75265-5906

June 10, 1998

Notice 98-43

TO:

The Chief Executive Officer of each
financial institution and others concerned
in the Eleventh Federal Reserve District

SUBJECT
Availability of the Federal Financial Institutions
Examination Council December 1997 Reports
DETAILS
The Federal Financial Institutions Examination Council (FFIEC) has announced that
the December 1997 Uniform Bank Performance Report (UBPR) is ready for distribution and sale
to the public. For the most part, the format for the commercial banks and the Federal Deposit
Insurance Corporation-insured savings banks (FDIC-ISB) is identical; however, the FDIC-ISB
has its own unique UBPR peer groupings.
The quarterly UBPR is designed for use by bank examiners, financial analysts, and
bank managers. The report permits both summary and in-depth analysis of commercial banks, as
well as FDIC-ISB financial performance and trends. Computer tapes of the UBPR data are
available for the December 1997 edition.
In addition, the December 1997 version of the UBPR Peer Group Ratio Distribution
Report and the UBPR State Average Ratio Distribution Report are available. These reports
provide users with a complete ratio distribution ranging from the 1st through the 99th percentile
for all UBPR ratio values. The ratio values are presented for each UBPR group, using the same
definitions that are used in the UBPR.
Printed copies of the User’s Guide are currently available, or you may obtain an
electronic version at the following Internet address:
<www.ffiec.gov>

For additional copies, bankers and others are encouraged to use one of the following toll-free numbers in contacting the Federal
Reserve Bank of Dallas: Dallas Office (800) 333-4460; El Paso Branch Intrastate (800) 592-1631, Interstate (800) 351-1012;
Houston Branch Intrastate (800) 392-4162, Interstate (800) 221-0363; San Antonio Branch Intrastate (800) 292-5810.

This publication was digitized and made available by the Federal Reserve Bank of Dallas' Historical Library (FedHistory@dal.frb.org)

ATTACHMENTS
General information concerning the UBPR products and instructions for ordering
are attached. UBPR products may also be ordered at the following E-mail address:
<ubpr@fdic.gov>
MORE INFORMATION
For more information about the UBPR, please contact Sharon Turner at (214)
922-6304. For additional copies of this Bank’s notice, please contact the Public Affairs Depart­
ment at (214) 922-5254.
Sincerely yours,

B.

■

THE 1997 UNIFORM BANK PERFORMANCE REPORTS ARE NOW AVAILABLE!
Contains ten data values ranging from the 1st
through the 99th percentiles for each ratio
for the current reporting period only.
3. State Average Data-onsists of the state Average
Report and the State Average Distribution
Report. These reports contain Summary Ratio data
(in the same format as Page 1 of the Bank
Report) for the nation and each individual
state. Commercial and FDIC insured savings banks
data are not commingled.
•
Average Report(Approximately 75 pages)
Follows the same format as the bank report and
UBPR PRODUCTS
presents five periods of data.
Page
•
Distribution Report(Approximately 300 pages)
Description
Contains ten data values ranging from the 1st
Table of Contents
through the 99th percentiles for each ratio
1
Summary Ratios
for the current reporting period only.
2
Income Statement
4. User's Guide for the UBPR-(Approximately 100
Noninterest Income & Expenses
3
pages) Documents the Bank Report. The User's
4
Balance Sheet
Guide includes:
Off-Balance Sheet Items
5
• General and technical UBPR information
6
Composition of Assets & Liabilities
• A sample of each UBPR page and a description
7
Loan Allowance & Loan Nix
of each line item
8
Past Due, Nonaccrual & Restructured Loans
• A worksheet for calculating tax-equivalency
9
Interest Rate Risk Analysis X Assets
adjustment.
10
Liquidity & Investment Portfolio
PUBLIC DISCLOSURE TAPES
11
Capital Analysis
Data printed on the Bank Report hard copies are
One Quarter Annualized Income Analysis
12
available on tape in bulk format for all banks, peer
STAVG
Sunmary Information For Banks in State
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
1. Bank Report-(Approximately 13 panes) Prepared
UBPR edition would include a maximum of 17 tapes:
for each Insured Bank in the U.S
eight unique tapes for bank data, eight unique tapes
2. Peer Group Data-Consists of the Peer Group Averaae
or bank rank data, and one tape for peer group and
Report and the Peer Group Distribution Report. Both
state average data. For ordering call:
of these reports contain data for 31 unique peer
groups.. Commerial and FDIC insured savings banks
John Smullen, FFIEC 1-202-634-6526
Page
Description
DATA FORMATS
Table of Contents
The typical UBPR format consists of the following:
1
Sunmary Ratios
•
Year-End-Five consecutive year-end periods
2
Overhead, Yield & Cost Ratios
(e.g., December 1991 through December 1995).
Composition of Assets & Liabilities
3
•
Non-Year-End-Current period, one-year ago from
4
Off-Balance Sheet Items
the current period, and three year-end periods
5
Loan Allowance & Loan Mix
(e.g., June 1996, June 1995, December 1995,
December 1994 and December 1993).
6
Past Due, Nonaccrual & Restructured Loans
7
Interest Rate Risk Analysis X Assets
DATA TYPES
8
Liquidity and Investment Portfolio
The typical UBPR Publication presents three types of
9
Capital Analysis
data for each of five periods:
10
One Quarter Annualized Income Analysis
•
Bank-level Ratio and Dollar Values-The
source of
all bank financial data in all of the UBPR
data are not commingled. The following provides a
publications is the FFIEC Call Reports, which
sunmary of data presented in both of these reports:
are filed on a calendar quarter basis.
•
Average Report-(Approximately 310 pages) Contains
•
Peer Group Averages- ubpr system classifies
The
ten pages of ratio averages for each UBPR Peer
insured commercial banks into 25 unique Peer
Group as well as national averages. This report
Groups and FDIC insured savings banks into four
follows the same format as the bank report and
unique Peer Groups to show how a group of banks
presents five periods of data.
with similar characteristics has performed (both
•
BlStCjbUt.jfin-BeBOr.t-Approximately 390 pages)

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 perfor­
mance and balance-sheet composition and is produced
for each insured commercial bank and FD1C insured
savings bank (Insured Bank) in the United States. The
UBPR is computer-generated from the FDIC data base,
contains several years worth of data, and the data is
presented in ratio, percentage, and dollar formats.

groups have national figures). 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.
•
Bank Percentile Ranks-Based on the u b p r 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 reverse side of this page.

UBPR Edition Availability
Year
March
June
September December
1997
June '97
Sep '97
Dec '97
Mar >98
1996
Yes
Yes Yes
Yes
Yes
Yes
Yes Yes
1995
1994
Yes
Yes
Yes
Yes
1987-1993 - Yes**
**FDIC insured savings bank UBPR's were produced for
the first time in 1990.

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:
FDIC/FFIEC (UBPR)
Department 0649
Washington, DC 20073-0649 OR
INTERNET: UBPRaFDIC .GOV
Please make certain to remit the exact dollar amount
as nominal overpayments are nonrefundable and under­
payments will delay shipment of your request.
Refunds will only be made in the event of cancel­
lation of an order or product unavailabtilty.
For additional information on your UBPR order,
please call the F01C Disclosure Group at
1-800-945-2186
Washington, DC area: 1-202-898-7111, 6572 or 8966
For questions regarding content of the UBPR
products, or public disclosure tapes, please call
John Smullen at: 1-202-634-6526 OR
Via E-Mail: smullenj 9 frb.gov

UNIFORM BANK PERFORMANCE REPORT
ORDERING FORM
For FDIC Use Only:

Completed Order Should Be Mailed To:
Contact Person:

Log Nunber:

Name: (Fin. Inst, or Company)

Oate Received:

Street Address: _ _ _ _ _ _ _ _ _ _

Dollar Amount:

P.O. Box:

Date Entered:

City: _

State:

Telephone Number:

Date Mailed: _

Zip:

Processed By:

Date Ordered:

Requestors ID:
Conplete the appropriate columns indicating the UBPR products
desired. Please make certain to remit the exact dollar amount
as nominal overpayments are nonrefundable and underpayments
will delay shipment of your request. Refunds will only be made
in the event of cancellation of an order or product
unavailability. Please make checks payable to:

Master Order No:

Fax credit card orders to:
1-202-898-8614
(FDIC Disclosure Group)

Federal Financial Institutions Examination Council (FFIEC)
Mastercard

VISA

Expiration Date

Send order form and check to:
Account #
FDIC/FFIEC (UBPR)
Department 0649
Washington, DC 20073-0649

Authorized Signature _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
_
__
Or via Internet: UBPR3FDIC.GOV

For additional information on your UBPR order, please call:

For questions regarding content of the UBPR products, or
public disclosure tapes, please call:

FDIC Disclosure Group at 1-800-945-2186
Washington, D.C. area: 1-202-898-7111, 6572 or 8966

John Smullen
1-202-634-6526 or (via E-Mail: smullenj3frb.gov)

BANK REPORTS
FDIC Cert.
Nunber*

Financial Institution

City

Call
Report
Date
State

# of
Copies
Unit
Requested Cost

Total
Cost

$45.00 $
S45.00 $
$45.00 $
$45.00 $
* Only if FDIC certificate nunber is available.
Peer Group Data Report

$65.00 $
$

Peer Group Distribution Report (This became a new product Decenber 1990)
State Average tjport

$45.00 $

State Average Distribution Report (This became a new product December 1990)

$45.00 $

User's Guide for the Uniform Bank Performance Report

$65.00

$25.00 $

Please Note: When ordering more than four bank reports or more than one peer group or state average report, please attach an
additional sheet.
$25.00 $

Expediting Charge ( Over-Night Handling)
Name of Carrier:** (Fed Ex)

Account No:

**Please Enclose a Mailing Label & Envelope from Carrier
Total Cost of Your Order (Amount Enclosed)

$