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F R e d e r a l o f e s e r v e D B a n k a l l a s R O B E RT D. McTEER, JR. DALLAS, TEXAS PR ES ID EN T 75265-5906 A N D C H IE F E X E C U T I V E O F F I C E R July 20, 1998 Notice 98-59 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 March 1998 Reports DETAILS The Federal Financial Institutions Examination Council (FFIEC) has announced that the March 1998 Uniform Bank Performance Report (UBPR) is ready for sale and distribution 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 March 1998 edition. In addition, the March 1998 versions 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 used in the UBPR. Printed copies of the User’s Guide for the UBPR 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. 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, THE 1998 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 perfor mance and balance-sheet composition and is produced for each insured commercial bank and FDIC 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. UBPR PRODUCTS Page 1 2 3 4 5 6 7 8 9 10 11 12 STAVG 1. 2. Description Table of Contents Summary Ratios Income Statement Noninterest Income & Expenses Balance Sheet Off-Balance Sheet Items Composition of Assets & liabilities Loan Allowance & Loan Mix Past Due, Nonaccrual & Restructured Loans Interest Rate Risk Analysis X Assets Liquidity & Investment Portfolio Capital Analysis One Quarter Annualized Income Analysis Summary Information For Banks in State Bank Report-(Approximately 13 pages) Prepared for each Insured Bank in the U.S Peer Group Data-Consists of the Peer Group Average Report and the Peer Group Distribution Report. Both of these reports contain data for 31 unique peer groups. Commerial and FDIC insured savings banks Page 1 2 3 4 5 6 7 8 9 10 Description Table of Contents Summary Ratios Overhead, Yield & Cost Ratios Composition of Assets & Liabilities Off-Balance Sheet Items Loan Allowance & Loan Mix Past Due, Nonaccrual & Restructured Loans Interest Rate Risk Analysis X Assets Liquidity and Investment Portfolio Capital Analysis One Quarter Annualized Income Analysis data are not commingled. The following provides a summary of data presented in both of these reports: • Average Report-(Approximately 310 pages) Contains ten pages of ratio averages for each UBPR Peer Group as well as national averages. This report follows the same format as the bank report and presents five periods of data. • Distribution RePOrt-Approximatelv 390 pages) 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. Comnercial and FDIC insured savings banks data are not commingled. • Average ReDort-(Approximatelv 75 pages) Follows the same format as the bank report and presents five periods of data. • Distribution ReDort-(Approximatelv 300 pages) Contains ten data values ranging from the 1st through the 99th percentiles for each ratio for the current reporting period only. 4. User's Guide for the UBPR- (Approximately 100 pages) Documents the Bank Report. The User's Guide includes: • General and technical UBPR information • A sample of each UBPR page and a description of each line item • A worksheet for calculating tax-equivalency adjustment. PUBLIC 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 17 tapes: eight unique tapes for bank data, eight unique tapes or bank rank data, and one tape for peer group and state average data. For ordering call: John Smullen, FFIEC 1-202-634-6526 DATA FORMATS The typical UBPR format consists of the following: • Year-End-Five consecutive year-end periods (e.g., December 1993 through December 1997). • Non-Year-End-Current period, one-year ago from the current period, and three year-end periods (e.g., March 1998, March 1997, December 1997, December 1996 and December 1995). DATA TYPES The typical UBPR Publication presents three types of data for each of five periods: • 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. • Peer Group Averages-The UBPR system classifies insured comnercial 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 (both 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 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 reverse side of this page. UBPR Edition Availability Year March June September December 1998 June '98 Sep '98 Dec '98 Mar '99 1997 Yes Yes Yes Yes 1996 Yes Yes Yes Yes 1995 Yes Yes Yes Yes 1988-1994 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: UBPR3FDIC.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 unavailabliIty. For additional information on your UBPR order, please call the FDIC 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 3 frb.gov UNIFORM BANK PERFORMANCE REPORT ORDERING FORM Completed Order Should Be Mailed To: For FOIC Use Only: Contact Person: Log Number: Name: (Fin. Inst, or Company) Date Received: Street Address: _ _ _ _ _ _ _ _ _ _ _ Dollar Amount: P.O. Box: Date Entered: City: _ State: Telephone Number: Date Mai led: _ Zip: Processed By: Date Ordered: Requestors ID: Complete 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) VISA Mastercard Expiration Date Send order form and check to: Account # FDIC/FFIEC (UBPR) Department 0649 Washington, DC 20073-0649 Authorized Signature _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ Or via Internet: UBPRQFDIC.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: smullenjafrb.gov) BANK REPORTS FDIC Cert. Number* Financial Institution Call Report State Date City # of Unit Copi es Requested Cost Total Cost $45.00 $ $45.00 $ $45.00 $ $45.00 $ * Only if FDIC certificate number is available. Peer Group Data Report $65.00 $ $65.00 $ Peer Group Distribution Report (This became a new product December 1990) State Average Report $ $45.00 State Average Distribution Report (This became a new product December 1990) $45.00 $ User's Guide for the Uniform Bank Performance Report $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) $
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