Full text of District Notices (Federal Reserve Bank of Dallas) : Availability of the June 1996 Uniform Bank Performance Report (UBPR), the UBPR Peer Group Ratio Distribution Report, and the UBPR State Average Ratio Distribution Report, Notice 96-98

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Federal R eserve Bank
OF DALLAS
ROBERT

D. M C T E E R , J R .

PRESIDENT
AND CHIEF EXECUTIV E O F F IC E R

October 15 1996

DALLAS, TEXAS
75265-5906

Notice 96-98

TO:

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

SUBJECT
Availability of the June 1996
Uniform Bank Performance Report (UBPR),
the UBPR Peer Group Ratio Distribution Report, and
the UBPR State Average Ratio Distribution Report
DETAILS
The Federal Financial Institutions Examination Council (FFIEC) has
announced that the June 1996 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)
are identical; however, the FDIC-ISB have their 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
the performance of commercial banks, as well as FDIC-ISB financial performance and
trends. Computer tapes of the UBPR data and the fourth printing of A User’s Guide for
the Uniform B ank Performance Report are again available.
In addition, the FFIEC is making available the June 1996 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.

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)

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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 D epartm ent at (214) 922-5254.
Sincerely yours,

THE

1996 UNIFORM BANK PERFORMANCE REPORTS ARE NOW AVAILABLE!

GENERAL INFORMATION
The Uni for m 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
Un ite d 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 PKCOUCTS
1. Bank Report - (Approximately 13 pages) prepared
for each Insured Bank in the U.S.
Page Description
- Table of Contents
1 Sum mar y Ratios
2 Income Statement
3 Noninterest Income & Expenses
4 Balance Sheet
5 Off-Balance Sheet Items
6 Com position of Assets & Liabilities
7 Loan Allowance & Loan Mix
8 Past Due, Nonaccrual & Restructured Loans
9 M a tur ity & Repricing Distribution
10 L iqu idity & Investment Portfolio
11 Capital Analysis
12 Last-Four-Quarters Income Analysis*
STAVG-Summary Info. For Banks In State
2. Peer G r oco 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 Su mma ry Ratios
2 Overhead, Yield & Cost Ratios
3 Composition of Assets & Liabilities
4 Of f-Balance Sheet Items
5 Loan Allowance & Loan Mix
6 Past Due, Nonaccrual & Restructured Loans
7 M at uri ty & 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 G roup as well as national averages.
This report follows the same format as the
bank report and presents five periods of data.
♦ Di str ibu tio n 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 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.
5. Pifclic Disclosure Tapes - Contains 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 c a l I : John Smullen, FFIEC-202-634-6526

DATA FORMATS
The typical UBPR format consists of the following:
♦ Year-End - Five consecutive year-end periods
(e.g., December 1991 through December 1995).
♦ Non-Year-End - Current period, one-year ago from
the current period, and three year-end periods
(e.g., June 1995, June 1994, December 1995,
December 1994 and December 1993).

♦ 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
1996
Ju n e '96
1995
Yes
1994
Yes
1993
Yes
1986- 1992 -

**FDIC insured savings bank UBPR's were produced
for the first time 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.
To
place an order, please refer to the front of the
order form. Please make certain to remit the exact
dollar
amount
as
nominal
overpayments
are
nonrefurtdable and underpayments will delay shipment
of your request. Refunds will only be made in the
event of cancellation of an order or product
unavailabiIi ty.
Outside FDIC area:

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 Grotc 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.

JUNE
SEPTEMBER DECEMBER
Sept '96 D e c '96
Mar'97
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes**

1-800-945-2186

Washington, DC area: 1-202-898-7111, 7112 or 6572
Credit Card Orders:

Sane as above
1-202-898-8614 (FAX NUMBER)

For questions regarding content of the UBPR
products, or public disclosure tapes please call
John Soullen at 1-202-634-6526 or (via Internet:
s m u I lenjafrb.gov)

UNIFORM BANK PERFORMANCE REPORT
ORDERING FORM
Completed Order Should be Nailed to:

For FDIC Use Only:

Contact Person:

Log NiMfcer:

Name (Bank or Company):

Date Received:

Street Address: ______

Dollar AMOLnt:.

P.O. Box:

Date Entered:

City:

State:

Telephone Niafcer:

Date Nailed: _

Zip:

Processed By:

Date Ordered:

Requestors ID:
Complete the appropriate colunns indicating the UBPR products
desired. Please mak e 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:

Naster 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
Department 0649
Washington, DC 20073-0649

Authorized Signature

For additional information on your UBPR order, please call:

For questions regarding content of the UBPR products, or
public disclosure tapes please call:
John Smullen
1-202-634-6526 or (via Internet: SMullenjafrb.gov)

FDIC Disclosure Group at 1-800-945-2186
Washington, D.C. area: 1-202-898-7111, 7112 or 6572

BANK REPORTS

FDIC Cert.
Number*

Bank Name

Call
Report
State Date

City

# of
Uni t
Copies
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 $

Peer Group Distribution Report (this became a new product December 1990)

$65.00 $

State Average Report

$45.00 $

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

$45.00 $

User's Guide for the Unifo rm Bank Performance Report

$25.00 $

Please Note: Whe n ordering mor e than four bank reports or more than one peer group or state average report, please attach an
additional sheet.
Expediting Charge (Over-Night Handling)
Name of Carrier:**

$25.00 $
Account No:

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

$