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Federal Reserve Bank OF DALLAS ROBERT H. B O Y K I N DALLAS, TEXAS 7 5 2 2 2 PRESIDENT January 28, 1991 Notice 91-06 TO: The Chief Executive Officer of each member bank and others concerned in the Eleventh Federal Reserve District SUBJECT September 1990 Uniform Bank Performance Report DETAILS The Federal Financial Institutions Examination Council (FFIEC) has announced that the September 1990 Uniform Bank Performance Report (UBPR) is ready for distribution and sale to the public. The FFIEC is also making available computer tapes of UBPR data for the September 1990 edition. The quarterly UBPR permits both summary and in-depth analysis of a commercial bank’s performance and trends. ATTACHMENT Ordering instructions for the UBPR and supplementary reports are attached. MORE INFORMATION For further information about the UBPR, please contact Dorsey Davis at (214) 744-7420. For additional copies of this notice, please contact the Public Affairs Department at (214) 651-6289. 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 1990 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 year's worth of data, and the data is presented in ratio, percentage, and dollar formats. UBPR Products 1. Bank Report - (approximately 12 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 Steet 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 2. Peer Group Report - (approximately 250 pages) contains nine pages of ratio averages for each UBPR Peer Group as well as national averages. For UBPR comparisons, commercial banks and FDIC insured savings banks are not commingled. 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 3. State Average Report - (approximately 75 pages) contains one page of Summary Ratio averages (in the same format as page 1 of the Bank Report) for the nation and each individual state. 4. User's Guide for the UBPR - (approximately 100 pages) documents the Bank Report. The User's Guide includes: o General and technical UBPR information o A sample of each UBPR page and a description of each line item o 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: eight unique tapes for bank data, eight unique tapes for bank rank data, and one tape for peer group and state average data. Data Formats The typical UBPR format consists of the following: o Year-End - Five consecutive year-end periods (e.g., December 1985 through December 1989). o Hon-Vear-End - Current period, one-year ago from the current period, and three year-end periods (i.e., September 1990, September 1989, December 1989, December 1988 and December 1987). Data Types The typical UBPR Publication presents three types of data for each of five periods: o 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, o Peer G r o m 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. 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. o 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 back side of this page. UBPR EDITION AVAILABILITY TEAR MARCH JUNE 1990 1989 1988 1987 1986 1985 1984 1983 1982 1981 Yes* Yes Yes Yes - Yes Yes Yes Yes * - SEPTEMBER DECEMBER Yes April '91 Yes Yes Yes - Yes Yes Yes Yes Yes Yes Yes Yes Yes •FDIC insured savings bank UBPR's are produced for the first time. UBPR PRICING SCHEDULE PRICE PER COPY UBPR PRODUCT $40.00 1. Bank Report $60.00 2. Peer Group Report $40.00 3. State Average Report $25.00 4. User's Guide for the UBPR 5. Public Disclosure Tapes $400.00* *For each data tape 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. 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 1-800-843-1669 (in the Washington, DC area 1-202-898-7108). For questions regarding content of the products, please call Jon Wisnieski at 1-202-357-0111. UBPR Non-Related UBPR Products For information concerning the Bank Holding Company Performance Reports, call the Federal Reserve Board Publications Unit at 1-202-452-3244. Currently, the federal regulatory agencies do not produce a performance report for the S&L Institutions. THE UNIFORM BANK PERFORMANCE REPORT ORDER FORM Complete the appropriate columns indicating the UBPR products desired (refer to instructions on the reverse side). Send order form and check (made payable to the: Federal Financial Institutions Examination Council) to: UBPR, Department 4320, Chicago, IL 60673. For additional information on your UBPR order, please call the FDIC Disclosure Group at 1-800-843-1669 (in the Uashington, DC area 1-202-898-7108). For questions regarding content of the UBPR products, ptease call Jon Wisnieski at 1-202-357-0111. FOR FDIC USE ONLY! Completed order should be Railed to: Log Number... . . . . . . . . . . . . . . . . . . . . CONTACT PERSON: _______________________________________ NAME (Bank or Company): ________________________________ Dollar Amount.. _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _______________________________________ Date Entered... _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ ____________________________________________ Date Mailed-- - - - - - - - - - - - - - - - - - - - - STREET ADDRESS: P.O. BOX: CITY: _________________________ TELEPHONE NUMBER: FDIC CERT NUMBER* Date Received.. _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ ________ ZIP: Processed B y... _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ DATE ORDERED: ___ Requestors ID.. STATE: ___________________ Bank Report for Insured 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 Groqp Report $60.00 $ Peer Grocp Report $60.00 $ State Average Report $40.00 $ $40.00 $ •Only if FDIC certificate number is available. llliiilii Please note: - State Average Report iiiiiiiiiiiiiiiiii When ordering more than ten bank reports or more than two peer group or state average reports, please attach an additional sheet. User's Guide for the Uniform Bank Performance Report TOTAL COST OF YOUR ORDER (AMOUNT ENCLOSED): $25.00 $ $