State Average Distribution Report - This report provides a distribution or range of values for all ratios that appear in the state average report. Similar to the Peer Group Average Distribution Report, this report can provide valuable insight into the population of banks used to calculate state average data. From the FFIEC Central Data Repository's Public Data Distribution web site at the following URL address you will be able to select the State Average Distribution Report from the Report drop down menu.

After selecting the State Average Distribution Report from the menu of Report choices you will notice the following screen.

The user will need to select a date from the Report Date pull down menu. Please note the existing date defaults to the most recent quarter-end date which may not have peer group statistics generated yet. For example, peer group statistics are generally not available until 45 days after quarter-end. In the above print screen the user can select March 2018 since this report was generated more than 45 days after the March 2018 quarter.

After the correct report date is selected the State or Territory drop down menu becomes populated with a list of all available States and U.S Territories. See print screen below.

After a state is selected the Peer Group drop down menu becomes populated with two choices: All insured commercial banks (CACOM) or all insured savings banks (CASVG). California is selected in this example.

After the peer group of choice is selected the user should select the Search button on the top of the page to display the State Average Distribution Report.

In the print screen below a State Average Distribution Report was generated for the peer group all insured commercial banks in California. Below is a print screen of the Cover Page of this report.

You will notice not all UBPR pages are generated for this report. This is because only pages that contain ratios will be generated (i.e., UBPR pages with only monetary amounts will not be generated). Consequently, only the following UBPR pages will be generated:

  • Summary Ratios - Page 1
  • Noninterest Income, Expenses and Yields - Page 3
  • Off Balance Sheet Items - Page 5
  • Derivative Analysis - Page 5B
  • Balance Sheet Percentage Composition - Page 6
  • Analysis of Credit Allowance and Loan Mix - Page 7
  • Analysis of Credit Allowance and Loan Mix - Page 7A
  • Analysis of Concentrations of Credit - Page 7B
  • Analysis of Past Due, Nonaccrual & Restructured - Page 8
  • Analysis of Past Due, Nonaccrual & Restructured - Page 8A
  • Interest Rate Risk Analysis as a Percent of Assets - Page 9
  • Liquidity & Funding - Page 10
  • Liquidity & Investment Portfolio - Page 10A
  • Capital Analysis - Page 11
  • One Quarter Annualized Income Analysis - Page 12
  • Fiduciary & Related Services - Page 1
  • A typical page in this report will contain twelve columns of ratios. Columns one through eleven displays ratios for the eleven different percentiles used in the report. The following percentiles are used in the report: 1st, 5th, 10th, 20th, 25th, 50th, 75th, 80th, 90th, 95th and 99th. The last column displays ratios for a trimmed average. See print screen below.

    Please note ratios displayed in this report are for all banks headquartered in a particular state. California is selected in this example. In the above print screen the trimmed average for Tier One Leverage Capital is 11.98%. The 156 insured commercial banks in California have a Tier One Leverage Capital ratio that ranges from 7.48% to 89.31%. After sorting the banks from highest to lowest Tier One Leverage Capital ratio, fourteen banks were identified as being in the top and bottom 5% and excluded from the group of banks to be averaged. Currently, such detailed peer group statistics are only available via accessing the CDR database tables; however, at the moment only CDR programmers have access to such data. However, users can download bulk data files located at Download Bulk Data - FFIEC Central Data Repository's Public Data Distribution and sort through the data to achieve the same results; titlehough this would be a time consuming endeavor. When a UBPR line item is reported by only a small group of banks within a peer group, an insufficient number of valid observations can distort peer-group data. To minimize this problem, a floor has been set for the minimum number of ratio values that may be used to calculate the peer group average. If fewer than five ratio values are available to compute the peer group figure, a double number sign (##) is displayed rather than the value.

    Computing Peer Group Averages

    Peer group averages shown in the last column in the State Average Distribution Report are a trimmed average of the ratios for individual banks. The peer group average for a given ratio is trimmed or adjusted to eliminate the effect of outliers or banks above the 95th and below the 5th percentile. The resulting average in most cases is very close to the median or mid-point value for a given group of banks. Thus the peer group average could be thought of as representing the performance of the-bank-in-the-middle for a specific ratio. It should be noted that the group of banks averaged for one ratio will differ from that used in other ratios. This occurs because the top and bottom 5% of banks designated as outliers will change from ratio to ratio. Consequently averages for separate ratios cannot be added or otherwise combined. The resulting peer group ratios are very stable over time and are not influenced by outlier banks.

    Please refer to the UBPR Users Guide-Technical Information for more information regarding peer groups.

    On the top left corner of any of the State Average Distribution Report pages you will notice a download button and on the top right corner a toggle button with the page defaulted to Table mode. See print screen below. When the user selects the Download button the report pages selected in the left side of the report page will be downloaded into a text file. In the example below the following three pages will be downloaded to a text file: Liquidity & Investment Portfolio--Page 10A, Capital Analysis--Page 11, and Fiduciary & Related Services--Page 1.

    When the user toggles to Graph mode the first line item on the report page will be depicted as a line graph based on percentile rank. See print screen below. The user can select the thumbnail to the right of any of the line items to display a graph for that line item. On the upper right corner of the graph there is a Download button that can be selected to download the graph into the following three graph formats: PDF, JPEG and SVG.

    Lastly, at the bottom of the graph there is a sliding scale which can be used to display a percentile rank range.