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l l★K Federal Reserve Bank of Dallas September 24, 2002 DALLAS, TEXAS 75265-5906 Notice 02-51 TO: The Chief Executive Officer of each financial institution and others concerned in the Eleventh Federal Reserve District SUBJECT Availability of the June 2002 Uniform Bank Performance Report DETAILS The Federal Financial Institutions Examination Council (FFIEC) has announced that the June 30, 2002, Uniform Bank Performance Report (UBPR) is now available online at www.ffiec.gov. The online version of the UBPR includes five years of continuous financial history that is restated quarterly to reflect call report amendments new analytical tools. Because no registration or sign-on is required, UBPRs are fully open to all users. 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 financial performance and trends for commercial banks as well as FDIC-ISB. Computer tapes of the UBPR data are available for the June 30, 2002, edition. The FFIEC also makes all UBPR statistical reports available online. Available are the June 30, 2002, version of the UBPR Peer Group Ratio Distribution Report and the UBPR Peer Group Report. The distribution report provides users with a distribution of values ranging from the 1st through the 99th percentile for all UBPR ratios. The Peer Group Report summarizes peer group average information for all peer groups used in the UBPR. Both reports are formatted the same as an individual bank UBPR. Printed copies of the UBPR for individual banks are also available. All printed reports may be ordered for a fee by calling UBPR Products at (800) 276-6003. In addition, the User’s Guide for the UBPR, revised March 2001, is available at 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. -2- ATTACHMENTS General information about the UBPR products and instructions for ordering are attached. MORE INFORMATION For more information about the UBPR, please contact Sharon Boston, Banking Supervision Department, at (214) 922-6304. Also, you may visit the UBPR section of the FFIEC web site for further information, including suggestions for using the web site and a schedule of planned updates and enhancements. Paper copies of this notice or previous Federal Reserve Bank notices can be printed from our web site at http://www.dallasfed.org/banking/notices/index.html. The 2002 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 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 Bank Report (approximately 13 pages) Prepared for each Insured Bank in the U.S. Page Description 1 2 3 Table of Contents Summary Ratios Income Statement Noninterest Income & Expenses and Yields 4 Balance Sheet 5 Off-Balance Sheet Items 6 Composition of Assets & Liabilities 7 Credit Losses & Loan Mix 8 Past Due, Nonaccrual & Restructured Loans 9 Interest Rate Risk Analysis % of Assets 10 Liquidity & Investment Portfolio 11 Capital Analysis 12 One Quarter Annualized Income Analysis STAVG Summary Information for Banks in State 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 1 2 3 4 5 6 Table of Contents Summary Ratios Overhead, Yield & Cost Ratios Composition of Assets & Liabilities Off-Balance Sheet Items Credit Losses & Loan Mix Past Due, Nonaccrual & Restructured Loans Interest Rate Risk Analysis % of Assets Liquidity and Investment Portfolio Capital Analysis One Quarter Annualized Income Analysis* 7 8 9 10 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. 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. 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 taxequivalency 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 for bank rank data, and one tape for peer group and state average data. For ordering call: John Smullen, FFIEC 202-872-7500 Data Formats The typical UBPR format consists of the following: • Year-End—Five consecutive year-end periods (e.g., December 1994 through December 1998). • Non-Year End—Current period, one-year ago from the current period, and three year-end periods (e.g., June 1998, June 1997 December 1996, December 1995 and December 1994). 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 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 per- formed (both groups have national figures). This information can be used as a bench mark to asses an individual bank's asset and liability structure, earnings level and offbalance 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 maybe 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 in this guide. UBPR Edition Availability Year March June September December 2002 Jun'02 Sept'02 2001 Yes Yes 2000 Yes Yes 1999 Yes Yes 1992–1998 Dec'02 Yes Yes Yes Mar 2003 Yes Yes Yes Yes** **FDIC insured savings bank UBPR's were produced for the first time in 1990. How To Order UBPR Publications The UBPR is now available online at no charge, WWW.FFIEC.GOV. UBPR's for any bank in the country may be viewed online, printed or downloaded. The site includes 5 years of history including all intermediate quarters. UBPR publications may be purchased through the FDIC Public Information Center. 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 20037-0649 Internet: PUBLICINFO@FDIC.GOV 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 Public Information Center at: 1-800-276-6003 Fax 1-202-416-2076 Washington DC area: 1-202-416-6940 For questions regarding content of the UBPR products, or public disclosure tapes please call John Smullen at: 1-202-872-7500 or via E-Mail: smullenj@frb.gov UNIFORM BANK PERFORMANCE REPORT Ordering Form For FDIC Use Only! Completed order should be sent to: Contact Person: Log Number: Name: (Bank or Company): Date Received: Street Address: Dollar Amount: P.O. Box: Date Entered: City: State: Zip: Telephone Number: Date Ordered: Date Mailed: Processed By: 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 underpayment 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: Federal Financial Institutions Examination Council (FFIEC) Send order form and check to: FDIC/FFIEC (UBPR) Department 0649 Washington, DC 20073-0649 Master Order No: FAX credit card orders to: 1-202-416-2076 (FDIC Public Information Center) Mastercard Visa Expiration Date Account # Authorized Signature or via Internet: PUBLICINFO@FDIC.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 Public Information Center at 1-800-276-6003. Washington DC area: 1-202-416-6940 John Smullen 1-202-872-7500 or (via E-Mail: smullenj@frb.gov) Bank Reports FDIC Cert. Number* Bank Name City State Call Report Date # of Copies Unit Requested Cost Total Cost $45.00 $0.00 $45.00 $0.00 $45.00 $0.00 $45.00 $0.00 Peer Group Data Report $65.00 $0.00 Peer Group Distribution Report (this became a new product December 1990) $65.00 $0.00 State Average Report $45.00 $0.00 State Average Distribution Report (this became a new product December 1990) $45.00 $0.00 User's Guide for the Uniform Bank Performance Report $25.00 $0.00 *Only if FDIC certificate number is available. Please note: When ordering more 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: **(FEDEX) $25.00 $0.00 Account No: **Please Enclose a Mailing Label & Envelope from Carrier Total Cost of Your Order (amount enclosed): $0.00
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