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Federal R eserve Bank OF DALLAS ROBERT D. M c T E E R , J R . P R E S ID E N T A N D C H IE F E X E C U T I V E O F F I C E R December 24, 1992 d a lla s , texas 75222 Notice 92-110 TO: The Chief Executive Officer of each member bank and others concerned in the Eleventh Federal Reserve District SUBJECT Availability of the September 1992 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 September 1992 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 and permits both summary and in-depth analysis of the performance of commercial banks as well as Federal Deposit Insurance Corporation-insured savings banks. Computer tapes of the UBPR data are also available. In addition, the FFIEC is making available the September 1992 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. ATTACHMENT 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 B a n k ’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 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) THE SEPTEMBER 1992 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 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 Grotp 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. ♦ Bank Percentile Ranks: Based on the UBPR Peer 3. State Average Data - Consists of the State Groups, the UBPR system ranks each bank ratio Average Report and the State Average within each Peer Group in an ascending order. Distribution Report. These reports contain The resulting percentile rank, ranging from 0 Summary Ratio data (in the same format as Page to 99, provides the user an institution's 1 of the Bank Report) for the nation and each relative position within it's UBPR peer group individual state. Commercial and FDIC insured for each measure. savings banks data are not commingled. ♦ Average Report - (approximately 75 pages) this UBPR Data Availability report follows the same format as the bank Each quarter, approximately 90 days after the Call report and presents five periods of data. Report date, each Insured Bank will automatically ♦ Distribution Report - (approximately 300 pages) contains ten data values ranging from receive a copy of its own UBPR Bank Report free of charge. If you have misplaced your bank's UBPR the 1st through the 99th percentiles for each Bank Report an additional copy may be purchased ratio for the current reporting period only. (through the FDIC Disclosure Group). In addition, 4. User's Guide for the UBPR - (approximately 100 you may also purchase the Bank Report on your pages) documents the Bank Report. The User's Guide includes: competitors or any other UBPR product by using the ♦ General and technical UBPR information order form on the reverse side of this page. ♦ A sample of each UBPR page and a description UBPR EDITION AVAILABILITY of each line item ♦ A worksheet for calculating tax-equivalency YEAR MARCH JUNE SEPTEMBER DECEMBER adjustment. Jan '94 Apr '94 1993 Jul '93 Oct '93 5. Pifclic Disclosure Tapes - data printed on the Yes Yes Jan '93 Bank Report hard copies are available on tape in 1992 Apr '93 Yes 1991 Yes Yes Yes bulk format for all banks, peer groups and state averages. These tapes may be of use to 1990 Y e s** Yes Yes Yes requestors who wish to select or analyze data Yes Yes 1989 Yes Yes for large numbers of banks or peer groups. A 1988 Yes typical UBPR edition would include a maximum of Yes 1987 Yes 17 tapes: eight unique tapes for bank data, 1986 eight unique tapes for bank rank data, and one Yes 1985 tape for peer group and state average data. Yes 1984 Yes 1983 Data Formats Yes 1982 The typical UBPR format consists of the following: ♦ Year-End - Five consecutive year-end periods **FDIC insured savings bank UBPR's were produced (e.g., December 1987 through December 1991). for the first time. ♦ Hon-Year-End - Current period, one-year ago from How To Order UBPR Pii>lications the current period, and three year-end periods (e.g., September 1992, September 1991, December UBPR publications may be purchased through the FDIC 1991, December 1990 and December 1989). Disclosure Group. All requests must be in writing and payment must be included with the order. Data Types Orders should be sent to: UBPR, Department 4320, The typical UBPR Publication presents three types Chicago, IL 60673. Please make certain to remit of data for each of five periods: the exact dollar amount as nominal overpayments are ♦ Bank-Level Ratio and Dollar Values: The source nonrefundable and underpayments will delay shipment of all bank financial data in all of the UBPR of your request. Refunds will only be made in the publications is the FFIEC Call Reports, which event of cancellation of an order or product are filed on a calendar quarter basis. unavailability. ♦ Peer Grom Averages: The UBPR system classifies insured commercial banks into 25 unique Peer For additional information on your UBPR order, Groups and FDIC insured savings banks into four please call the FDIC Disclosure Group at unique Peer Groups to show how a group of banks 1-800-945-2186 (in the Washington, DC area with similar characteristics has performed (both 1-202-898-7108). groups have national figures). This information can be used as a bench mark to assess an For questions regarding content of the UBPR individual bank's asset and liability structure, products, please call John Snullen at earnings level and off-balance sheet exposure. 1-202-634-6526. UNIFORM BANK PERFORMANCE REPORT ORDER FORM FOR FDIC USE ONLY! Completed order should be sailed to: Log Number... _______________________________________ CONTACT PERSON: NAME (Bank or Company): ________________________________ Dollar Amount.. _______________________________________ Date Entered... __ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ Date Mai led.... STREET ADDRESS: P.O. BOX: CITY: Date Received.. _________________________ TELEPHONE NUMBER: ________ ZIP: Processed B y . .. DATE ORDERED: ___ Requestors ID.. STATE: ___________________ Complete the appropriate columns indicating the products desired. Please make checks payable to the UBPR Federal Financial Institutions Examination Council. For additional information on your UBPR order, please call the FDIC Disclosure Group at 1-800-945-2186 (in the Washington, DC area call 1-202-898-7108). Send order form and check to: For questions regarding content of the UBPR products, please call John Smullen at 1-202-634-6526. UBPR Department 4320 Chicago, IL 60673 BANK REPORTS FDIC CERT NUMBER * Bank Name City State Call Report # of Copies Requested Date Unit Cost Total Cost $40.00 $ $40.00 $ $40.00 $ $40.00 $ $40.00 $ $40.00 $ $40.00 $ $40.00 $ $40.00 $ $40.00 $ PEER GROUP AVERAGE REPORT $60.00 $ PEER GROUP DISTRIBUTION REPORT (this became a new product December 1990) $60.00 $ STATE AVERAGE REPORT $40.00 $ STATE AVERAGE DISTRIBUTION REPORT (this became a new product December 1990) $40.00 $ $25.00 $ * Only if FDIC certificate number is available. USER'S GUIDE FOR THE UNIFORM BANK PERFORMANCE REPORT Please note: V When ordering more than ten bank reports or more than one peer group or state average report, please attach an additional sheet. TOTAL COST OF YOUR ORDER (AMOUNT ENCLOSED): IIII1III1 liiiillii $
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