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Federal Reserve Bank OF DALLAS ROBERT D. M c T E E R , J R . p re s id e n t A N D C H IE F E X E C U T IV E O F F IC E R September 3 0 , 1994 DALLAS, TEXAS 75265-5906 N o t ic e 94-97 TO: The Chief Executive Officer of each member bank and others concerned in the Eleventh Federal Reserve District SUBJECT A v a i l a b i l i t y o f t h e June 1994 Uniform Bank Performance Report (UBPR), t h e UBPR Peer Group R atio D i s t r i b u t i o n Report, and th e UBPR S t a t e Average R atio D i s t r i b u t i o n Report DETAILS The Federal Financial Institutions Examination Council (FFIEC) has announced that the June 1994 Uniform Bank Performance Report (UBPR) is ready for distribution and sale to the public. 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 the performance of commercial banks, as well as Federal Deposit Insurance Corporation-insured savings banks financial performance and trends. Computer tapes of the UBPR data are again available. In addition, the FFIEC is making available the June 1994 version of the UBPR Peer Group Ratio Distribution Report and the UBPR State Average Ratio Distribution Report. These reports provide users with a complete ratio distribution ranging from the 1st percentile 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 Bank Report. ATTACHMENTS General information concerning the UBPR products and instructions for ordering are attached. MORE INFORMATION For more information about the UBPR, please contact Dodie Orrill at (214) 922-6308. For additional copies of this Bank ’s notice, please contact the Public Affairs Department at (214) 922-5254. Sincerely yours, For additional copies, bankers and others are encouraged to use one of the following toll-free numbers in contacting the Federal Reserve Bank o f 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) THE JUNE 1994 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 and FOIC 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 1. Bank Report - (approximately 13 pages) prepared for each Insured Bank in the U.S. Page Description - Table of Contents 1 Summary Ratios 2 Income Statement 3 Noninterest Income & Expenses 4 Balance Sheet 5 Off-Balance Sheet Items 6 Composition of Assets & Liabilities 7 Loan Allowance & Loan Mix 8 Past Due, Nonaccrual & Restructured Loans 9 Maturity & Repricing Distribution 10 Liquidity & Investment Portfolio 11 Capital Analysis 12 Last-Four-Quarters Income Analysis* 2. 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. Commercial and FDIC insured savings banks data are not commingled. The following provides a summary of data presented in both of these reports: Page Description - Table of Contents 1 Summary Ratios 2 Overhead, Yield & Cost Ratios 3 Composition of Assets & Liabilities 4 Off-Balance Sheet Items 5 Loan Allowance & Loan Mix 6 Past Due, Nonaccrual & Restructured Loans 7 Maturity & Repricing Distribution 8 Liquidity and Investment Portfolio 9 Capital Analysis 10 Last-Four-Quarters Income Analysis* ♦ 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 - (approximately 390 pages) contains ten data values ranging from the 1st through the 99th percentiles for each ratio for the current reporting period only. * L4Q page is not included in the December report. 3. State Average Data - Consists 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) this report follows the same format as the bank report and presents five periods of data. ♦ Distribution Report - (approximately 300 pages) contains ten data values ranging from the 1st throughthe 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. 5. 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 for bank rank data, and one tape for peer group and state average data. For ordering call: John Smullen, FFIEC-202-634-6526 Data Fonnats The typical UBPR format consists of the following: ♦ Year-End - Five consecutive year-end periods (e.g., December 1988 through December 1992). ♦ Hon-Year-End - Current period, one-year ago from the current period, and three year-end periods (e.g., June 1992, June 1991, December 1991, December 1990 and December 1989). Data Types The typical UBPR Publication presents three types of data for each of five pericxds: ♦ 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 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 (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 1994 1993 1992 1991 1990 1989 1988 1987 1986 1985 1984 Yes Yes Yes Yes - Yes Yes Yes Yes - SEPTEMBER DECEMBER Jan '95 Apr 1 95 Yes Yes Yes Yes Yes Yes Yes** Yes Yes Yes Yes Yes Yes **FDIC insured savings bank UBPR's were produced for the first time. How To Order UBPR Pii>l icat ions 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 will 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 order, please call the FDIC Disclosure Group at 1-800-945-2186 Washington, DC area: 1-202-898-6572, 7108 or 7111 For questions regarding content of the UBPR products, or ptfclic disclosue tapes please call John Saullen at 1-202-634-6526. UNIFORM BANK PERFORMANCE REPORT ORDER FORM FOR FDIC USE ONLY! Completed order should be nailed to: Log Number... CONTACT PERSON: Date Received.. NAME (Bank or Company): ________________________________ Dollar Amount.. _______________________________________ Date Entered... __________ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ Date Mai led.... STREET ADDRESS: P.O. BOX: CITY: __ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ TELEPHONE NUMBER: STATE: __ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ ________ ZIP: Processed By... DATE ORDERED: Complete the appropriate columns indicating the products desired. Please make checks payable to the Federal Financiat Institutions Examination Cornell. Send order form and check to: UBPR UBPR Department 4320 Chicago, IL 60673 Requestors ID.. For additional information on your UBPR order, please call the FDIC Disclosure Group at 1-800-945-2186 Washington, DC area: 1-202-898-6572 ** 1-202-898-7108 ** 1-202-898-7111 For questions regarding content of the UBPR products, or public disclosure tapes please call John Smullen 1-202-634-6526. BANK REPORTS FDIC CERT NUMBER * Bank Name City State Call Report # of Copies Requested Date Unit Cost Total Cost $45.00 $ $45.00 $ $45.00 $ $45.00 $ $45.00 $ $45.00 $ $45.00 $ $45.00 $ $45 00 $ $45.00 $ PEER GROUP DATA REPOST $65.00 $ PEER GROUP DISTRIBUTION REPORT (thf's becane a new product December 1990) $65.00 $ STATE AVERAGE REPOST $45.00 $ STATE AVERAGE DISTRIBUTION REPORT (this became a new product December 1990) $45.00 $ $25.00 $ * Only if FDIC certificate nunber is available. USER'S GUIDE FOR THE UNIFORM BANK PERFORMANCE REPORT Please note: iiliiiil When ordering more than ten bank reports or more than one peer group or state average report, please attach an additional sheet. i TOTAL COST OF YOUR ORDER (AMOUNT ENCLOSED): • lilllil $
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