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Federal R eserve Bank
OF DALLAS
W ILLIAM

H. WALLACE

FIRST VIC E PR ES ID EN T

O c t o b e r 26, 1990

d a l l a s , t e x a s 75222

AND C H IE F O PER ATING O FFIC ER

C i r c u l a r 90-77
TO:

T he C h i e f E x e c u t i v e O f f i c e r of each
m e m b e r b an k and o th er s c o n c e r n e d in
the E l e v e n t h Federal R e s er v e D i s t r i c t
SUBJECT
June 1990 Uniform Bank Performance Report
DETAILS

The Federal Financial I n s t i t u t i o n s E x a m i n a t i o n Council (FFIEC) has
a n n o u n c e d the a v a i l a b i l i t y of the J un e 1990 U n i f o r m B an k P e r f o r m a n c e Report
(UBPR) for d i s t r i b u t i o n and sale to the public.
The FFIEC is aga in m a k i n g
a v a i l a b l e c o m p u t e r tap es o f d ata for this e d i ti o n of the Report.
The q u a r t e r ­
ly U B P R p e r m i t s both s u m m a r y and i n- depth a na l y s i s of a comme r ci al b a n k ’s
p e r f o r m a n c e and trends.
ATTACHMENT
O r d e r i n g i n s t r u c t i o n s for the U B P R and s u p p l e m e n t a r y r e p or t s are
attached.
MORE INFORMATION
Q u e s t i o n s c o n c e r n i n g the U BP R should be a d d r e s s e d to Pat M c C l a i n at
(214) 7 44 -7300.
For additional c op ie s of this c ir cular, p l e a s e c o n t a c t the
Pub li c A f f a i r s D e p a r t m e n t at (214) 651-6289.
S i n c e r e l y yours,

For additional copies of any circular, please contact the Public Affairs Department at (214) 651-6289. Bankers and others are encouraged to use the following
toll-free number in contacting the Federal Reserve Bank of Dallas: (800) 333-4460.

This publication was digitized and made available by the Federal Reserve Bank of Dallas' Historical Library (FedHistory@dal.frb.org)

Federal Financial Institutions Examination Council

______________________________________________________________________
1776 G Street, NW, Suite 850B • Washington, DC 20006 • (202) 357-0177 . FAX (202) 357-0191

Press Release
For immediate release

September 28, 1990

The June 1990 Uniform Bank Performance Report (UBPR) is now
being distributed to all insured commercial banks and FDIC Insured
Savings Banks (ISB) and, is available for sale to the public.

For

the most part the format for the commercial banks and the FDIC
ISB'S are identical; however, the FDIC ISB have their own unigue
UBPR peer groupings.
The guarterly UBPR is designed for use by bank examiners,
financial analysts and bank managers, and permits both summary and
in-depth analysis of a commercial bank's financial performance and
trends.
The FFIEC is again making available computer tapes of UBPR
data for the June,

1990 UBPR edition.

These tapes contain bulk

data for banks, peer groups or states, and are expected to be of
interest to requestors who make use of large-scale bank data such
as quarterly Call Report tapes.

Board of Governors of the Federal Reserve System, Federal Deposit Insurance Corporation, National Credit Union Administration,
Office of the Comptroller of the Currency, Office of Thrift Supervision

- 2 -

General

information

concerning

instructions for ordering are attached.

the

UBPR

products

and

Additional information on

ordering the UBPR and related reports may be obtained by calling
(800) 843-1669,

(in Washington, DC area, call 898-7108).

Further

information on the content of the reports or on the UBPR tapes
maybe obtained by calling (202) 357-0111.

# # #

THE JUNE 1990 UNIFORM BANK PERFORMANCE REPORTS ARE NOW AVAILABLE!
General Information

Th e U n i f o r m Bank P e r f o r m a n c e Re p o r t (UBPR) is an
analytical
tool
c r eated
for
bank
super v i s o r y
p urposes.
In a c o n c i s e format, it shows the impact
of m a n a g e m e n t dec i s i o n s a n d econo m i c condit i o n s on
a bank's p e r f o r m a n c e and ba l a n c e - s h e e t compo s i t i o n
a n d is prod u c e d for each insured commercial bank
an d FDIC insured savings bank (Insu r e d Bank) in the
U n i t e d States. The UBPR is c o m p u t e r - g e n e r a t e d from
the FDIC data base, contains several year's worth
of data, and the data is p r e s e n t e d in ratio,
p ercentage, and do l l a r formats.

5.

Pu b l i c D i s c l o s u r e Tapes - data p r i nted on the
Bank Report hard c opies ar e av a i l a b l e o n tape in
bulk format for all banks, peer groups and state
averages.
These tapes m a y be of use to
requestors who wish to select or a n alyze data
for large numbers of banks or peer groups.
A
typical UBPR e d i tion would include a m a x i m u m of:
eight uni q u e tapes for bank data, eight unique
tapes for bank rank data, and one tape for peer
g r o u p and state a v e rage data.

Data Formats
UBPR Products

1.

2.

3.

4.

B a n k Report - ( a p p r o x i m a t e l y 12 pages) prep a r e d
for each Insured Bank in the U.S.
Page Description
- Table of Contents
1 S u m m a r y Ratios
2
Income Statement
3 Noni n t e r e s t Income & Expenses
4 B a l a n c e Sheet
5 Comm i t m e n t s an d Co n t i n g e n c i e s
6 C o m p o s i t i o n of A s s e t s & Liabilities
7 Loan A l l o w a n c e & L o a n Mix
8 Past Due, Nonaccrual & R e s t r u c t u r e d Loans
9 M a t u r i t y & Rep r i c i n g D i s t r i b u t i o n
10 L i q u i d i t y & Investment P o rtfolio
11 Capital Analysis
Peer Group Report - ( a p p r o x i m a t e l y 250 pages)
conta i n s eight pages of r a tio averages for each
UBPR Peer G r o u p as well as national averages.
For UBPR comparisons, commercial banks an d FDIC
insured savings banks ar e not commingled.
Page Description
- Table of Contents
1 S u m m a r y Ratios
2 Overhead, Y i eld & Cost Ratios
3 C o m p o s i t i o n of As s e t s & Liabilities
4 Loan A l l o w a n c e & L o a n Mix
5 Past Due, Nonaccrual & R e s t r u c t u r e d Loans
6 M a t u r i t y & Re p r i c i n g D i s t r i b u t i o n
6A L i q u i d i t y and Investment Por t f o l i o
7 Capital Ana I y s i s & O f f - B a l a n c e Sheet Items
State Average Report - ( a p p r o x i m a t e l y 75 pages)
cont a i n s one p a g e of S u m m a r y R a t i o aver a g e s (in
the same format as p a g e 1 of the Bank Report)
for the n a t i o n and each individual state.
User's Guide for the UBPR - ( a p p r o x i m a t e l y 100
pages) doc u m e n t s the B a n k Report.
T h e User's
G u i d e includes:
o General an d technical UBPR information
o A sa m p l e of each UBPR p a g e and a d e s c r i p t i o n
of each line item
o A w o r ksheet for c a l c u l a t i n g t a x - e q u ivalency
adjustment.

The typical UBPR format consists of the following:
o Y e a r - E n d - Five conse c u t i v e year-end periods
(e.g., Dece m b e r 1985 through Dece m b e r 1989).
o N o n - Y e a r - E n d - Current period, one-year a go from
the current period, and three y e a r - e n d periods
(i.e., June 1990, June 1989, December 1989,
D ece m b e r 1988 and December 1987).

UBPR EDITION AVAILABILITY
YEAR

1990
1989
1988
1987
1986
1985
1984
1983
1982
1981

MARCH

Yes*
Yes
Yes
Yes
-

JUNE

SEPTEMBER DECEMBER

Yes Jan '91 April '91
Yes
Yes Yes
Yes
YesYes
Yes
Yes Yes
- Yes
- Yes
- Yes
- Yes
- Yes
-

*FDIC insured savings bank UB P R ' s are produ c e d

for the first time.

UBPR PRICING SCHEDULE
UBPR PRODUCT

Data Types

Th e typical U8PR Publi c a t i o n presents three types
of d a t a for each of five periods:
o Bank-Level Ratio and Dollar Values: The source
of all bank financial data in all of the UBPR
p u b l i c a t i o n s is the FFIEC Call Reports, which
are filed on a calendar quarter basis,
o Peer G r o u p Averages: The UBPR sy s t e m classi f i e s
insured commercial banks into 25 un i q u e Peer
Gr o u p s and FDIC insured savings banks into four
u n i q u e Peer Groups to show how a g r oup of banks
with similar c h a r a c t eristics has performed.
This i n formation can be used as a bench mark to
assess an individual bank's asset and liability
structure, earnings level and off- b a l a n c e sheet
exposure.
o Bank Percentile Ranks: Based on the UBPR Peer
Groups, the UBPR sy s t e m ranks each bank ratio
w i t h i n each Peer G r oup in an ascending order.
The resulting p e r c e n t i l e rank, ranging f r o m 0 to
99, prov i d e s the user an institution's relative
p o s i t i o n wi t h i n it's UBPR peer gro u p for each
measure.

UBPR Data Availability

Each quarter, ap p r o x i m a t e l y 90 days after the Call
Report date, each Insured Bank will automat i c a l l y
r e c e i v e a c o p y of its own UBPR Bank Report free of
charge.
If yo u have m i s p l a c e d your bank's UBPR
B a n k Report an additional copy m a y be p u r c h a s e d
(through the FDIC Di s c l o s u r e Group).
In addition,
y o u m a y also purch a s e the Bank Report on your
co m p e t i t o r s or any other UBPR product by u s ing the
o r d e r form on the back side of this page.

Yes

1.
2.
3.
4.
5.

PRICE PER COPY

Bank Report
Peer G r o u p Report
Sta t e A v e r a g e Report
User's Guide for the UBPR
Public D i s c losure Tapes
*For each data tape

$40.00
$60.00
$40.00
$25.00
$400.00*

How To Order UBPR Publications

UBPR p u b l i cations m a y be p u r c h a s e d through the FDIC
D i s c l o s u r e Group.
All requests must be in writing
an d payment must be included with the order.
Or d e r s sh o u l d be sent to:
UBPR, De p a r t m e n t 4320,
Chicago, IL
60673.
Please m a k e c e r t a i n to remit
the exact d o l l a r amount as nominal o v e r p a y m e n t s are
n o n r e f u n d a b l e a n d u n derpayments will d e l a y shipment
of your request.
Refunds will o n l y be m a d e in the
event of can c e l l a t i o n of an order or product
u navailabiIi ty.
For additional information on your UBPR
p l e a s e call the FDIC D i s c l o s u r e Gro u p at
1 - 8 0 0-843-1669 (in the Washington, DC area
1-202-898-7108).
For
que s t i o n s
regarding
content
of
products, p l e a s e call Jon Wisnieski at
1-202-357-0111.

order,

the

UBPR

Non-Related UBPR Products

For information concerning the Bank Holding C o m p a n y
P e r f o r m a n c e Reports, call the Federal R e s e r v e B o ard
P u b l i cations Unit at 1-202-452-3244.
Currently,
the federal regulatory agen c i e s d o not p r o d u c e a
p erfo r m a n c e report for the S&L Institutions.

THE UNIFORM BANK PERFORMANCE REPORT
ORDER FORM
Complete the a p p r o p r i a t e c o lumns indicating the UBPR products d e s i r e d (refer to instructions on the reverse side).
Send order
form and check (made p a y able to the:
Federal Financial Institutions E x a m i n a t i o n Council) to: UBPR, D e p a rtment 4320, Chicago,
IL
60673.
For additional information on your UBPR order, pl e a s e call the FDIC D i s c l o s u r e G r o u p at 1-800- 8 4 3 - 1 6 6 9 (in the
Washington, DC area 1-202-898-7108).
For q u estions regarding content of the UBPR products, ple a s e call Jon Wisnieski at
1-202-357-0111.
FOR FDIC USE ONLY!
Completed order should be nailed to:

Log N u m b e r...
CONTACT PERSON:

D a t e Received..

NAME (Bank or Company):

Dollar A m o u n t . .

STREET ADDRESS:

D a t e E n t e r e d . ..

P.O. BOX:
CITY:

______________________________________________

_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ STATE: _ _ _ _ _ _ _ _

TELEPHONE NUMBER: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

FDIC CERT
NUMBER*

D a t e Mai l e d_ _ _

ZIP:

P r o c e s s e d B y_ _

DATE ORDERED: ___

Bank Report for
Insured Bank Name

City

Reques t o r s ID..

State

Call Report # of Copies
Requested
Date

Unit
Cost

Total Cost

$4 0 . 0 0

$

$40.00

$

$40.00

$

$40.00

$

$40.00

$

$40.00

$

$ 40.00

$

$ 40.00

$

$ 40.00

$

$ 40.00

$

*Only if FDIC c e r t i f i c a t e number is available.
Peer Groip Report

$

Peer Groqp Report

$ 60.00

$

State Average Report

$ 40.00

$

State Average Report

Please note:

$ 60.00

$40.00

$

W h e n ordering m o r e than ten bank reports or m o r e than two peer g r o u p or sta t e a v e r a g e reports, please attach
an additional sheet.
no

TOTAL COST OF YOUR ORDER (AMOUNT ENCLOSED):

$


Federal Reserve Bank of St. Louis, One Federal Reserve Bank Plaza, St. Louis, MO 63102