Memorandum

The most current UBPR is available to all users at no charge through the FFIEC website: http://www.ffiec.gov/default.htm. Because no password is needed, the website gives all users access to the UBPR for all banks. Included in the report are five years of continuous history, peer group comparisons and rankings. UBPRs may be viewed online, printed and bookmarked for future reference. The website will be the principal source of UBPR information for the subsequent quarters.

The 2006/07 schedule of quarterly UBPR updates are on website www.ffiec.gov. Note that the UBPR will be available as soon as 20 days after call report date. The March 2006 User's Guide for the UBPR is also available online.

Suggestions for accessing the UBPR at www.ffiec.gov:

1. Select the online UBPR under Quick Links section.

2. Select Search for a Uniform Bank Performance Report.

3. Identify an individual bank by entering one or more of the following criteria: FDIC Certificate Number, Name, City and State, State, Zip Code, County. Depending on the criteria entered (state, city, etc.) a list of banks may appear. Select a bank from that list.

4. Select one of the report formats: Standard, Previous Five or Custom. Standard option returns the most recent UBPR with the standard set of dates. The remaining options allow different combinations of dates. Bookmark this page before selecting Generate Report. A bookmark for each bank will allow fast access to the most recent UBPR information. The online UBPR will reflect call report data amendments, UBPR format changes, new ratios and any other updates.

5. Once the report is generated, pages may be selected for viewing from the menu on the left.

The blue Export icon will download UBPR data in comma or tab delimited format for use in a spreadsheet or similar software.

The blue Print icon will display a UBPR formatted for printing. Set browser software to print in landscape format. Select pages to be printed. If the local internet connection is slow, select fewer pages to reduce the chances of being timed out. Remember - printed reports are static views at a set point in time. Subsequent call data amendments or changes will require reprinting the report. For that reason, please consider using the online version of the UBPR as much as possible.

For most web browsers all pages selected for printing will appear at one time. After the report is printed, the formatted report may also be viewed online.

You are invited to use the online UBPR at http://www.ffiec.gov/default.htm. If you have any comments or questions please contact John Smullen at JSmullen@FDIC.GOVor 703 516 5732.