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Federal Deposit Insurance CorporationTutorial for the

Institution Directory (ID)Statistics on Depository Institutions (SDI)

Summary of Deposits (SOD)July 2003

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Table of Contents: ID/SDI/SOD Tutorial

(1) How do I find and list FDIC-insured institutions?….………………………………………………………………..….…………………..

(2) How do I find and list offices of FDIC-insured institutions?…………………………………………………………….….……………

(4) How can I compare the performance or condition of one institution to an aggregate group of institutions?………………….. …

(5) I want to use the list information in my own software package. Can I download such information? .…...….…………….………

(6) I want to compare a FDIC-insured institution to select groups of institutions - a custom peer group, and a standardindustry peer group. How do I do this? …………………………………………………………………………………………..

(8) How can I create a report and tailor it so it includes only the items in which I am interested?………………….…………….………

(10) After creating a custom report, I would like to save it for future use. How can I do this? ……….………………………........... ….

(11) I want to retrieve a previously created custom peer group. How can I do this? …………………...…………………………….….

Question: Slides

(3) How can I prepare and view reports (financial and demographic) of FDIC-insured institutions?…………………….……………..

(13) Can I download information from the Statistics on Depository Institutions (SDI) and use it with my own software? ………….

(14) How does the data contained in the Summary of Deposits (SOD) differ from that which is contained in the InstitutionDirectory (ID) and the Statistics on Depository Institutions (SDI)? ………………………………..……………………………….

(15) Is there any help available that displays the general navigation of the SOD system? ……………………………………………

(16) How do I find deposits and offices of insured institutions? ………………………………...………………………………….. …….(17) How can I create a deposit market share report using SOD data? …………………………………………………….….……..

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(9) After creating a custom peer group, I would like to save it for future use. How can I do this? ……….………………………........

(12) I want to retrieve a previously created custom report. How can I do this? ……………….………...……………………………….

(7) I want to compare a FDIC-insured institution to a custom peer group of institutions based on common criteria………........

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8-11

12-15

16-21

22-27

28-52

53-66

67-69

70-74

75-83

84-87

88-93

94-108

109-113114-129130-135136-149

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Example ID-1

Find FDIC-insured institutions that are chartered in the state of California and are Subchapter S Corporations

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Select

Note:Enter the Institution Directory (ID) by

A. typing www.fdic.gov and then selecting >

B. Bank Data >

C. Individual Banks >

D. Institution Directory (ID)

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(Cont.)

Select

1

Subchapter S Corporation

Press4

(Cont.)

California

2

Select“California”

3 Select “Subchapter S Corporations”

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Results of query

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Example ID-2

Find offices of Bank of Hawaii that are located in Honolulu, HI.

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Select

Note:Enter the Institution Directory (ID) by

A. typing www.fdic.gov and then selecting >

B. Bank Data >

C. Individual Banks >

D. Institution Directory (ID)

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Bank of Hawaii1

Honolulu

Hawaii3

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(Cont.)

Results of query

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Example ID-3

Generate an assets and liabilities report (balance sheet) for an institution (e.g., Murphy Bank, Fresno CA1).1This FDIC-insured institution was chosen purely for illustrative purposes.

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Note:

The Institution List wasgenerated by selecting:

A. Find Institution

B. Additional FindOptions

C. State = California

D. Frequently AskedQuestions = Subchapter S Corporations

1

Select

2

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1

Select

2

Press

Assets and Liabilities

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From any ID financial ordemographic report, youcan:

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Report area

A. Modify the Report Date and IncomeBasis (YTD, QTR).

B. View the report in dollars or as a percent of assets (average assets for income and expense items).

C. Modify or drill down to other reports.

D. View definitions for all report items.

Fast Fact: ID contains more than 10 years of financial data and more than 700 individual items that are housed in 47 reports.

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Example ID-4

Compare an institution (e.g., Murphy Bank, Fresno CA1) to an aggregate group of institutions (e.g., FDIC-insured commercial banks that are chartered in California and are less than $100 million in asset size).1This FDIC-insured institution was chosen purely for illustrative purposes.

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SelectNote:Enter the Institution Directory (ID) by

A. typing www.fdic.gov and then selecting >

B. Bank Data >

C. Individual Banks >

D. Institution Directory (ID)

To create the report, enter the Institution Directory (ID) and….

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Select

Note:Enter the Compare feature of the Institution Directory (ID) by:

A. typing www.fdic.gov and then selecting >

B. Bank Data >

C. Individual Banks >

D. Institution Directory (ID) >

E. Advanced Features >

F. Compare

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Single Institution25726 Standard Peer Group

Single Institution

Assets less than $100M

Assets less than $100M

State

Select the Standard Peer GroupCommercial Banks--Assets less than $100 million in California

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If you know the FDIC Certificate number you can enter it or you can look for it by using “Search”. For this example, we will assume that we know Murphy Bank’s FDIC Certificate number and will enter it.

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Press “Compare”

3

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Assets and Liabilities

1

Select

2

Press

Note:Generate an ”Assets and Liabilities” report that compares Murphy Bank to commercial banks with less than $100 million in assets and chartered in California.

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(More items from the Assets and Liabilities Report

Note:See to review all of the navigational capabilities from any ID report.

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Report area

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Example ID-5

Download the list of FDIC-insured institutions that are chartered in the state of California and are Subchapter S Corporations.

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Note:

The Institution List wasgenerated by selecting:

A. Find Institution

B. Additional FindOptions

C. State = California

D. Frequently AskedQuestions = Subchapter S Corporations

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Select2

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Press

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Press

Select

2

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Select the location to where you wishto save the file.

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2

Name the file or use the default.Note: Remember that the file is acomma separated value (.csv) file.

Press

3

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Open the file in a software package that can read a comma separated value (csv) file (e.g. Excel, Lotus, Quattro, SAS, Access, etc).

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Open the file in a software package that can read a comma separated value (csv) file (e.g., Excel, Lotus, Quattro, SAS, Access, etc).

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Data area

2

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Example SDI-1

Using SDI, create a three column report that compares:

1. One FDIC-insured Institution

2. A custom peer group of FDIC-insured institutions

3. An industry standard peer group of FDIC-insured institutions

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Nebraska Iowa

Missouri

The example will demonstrate SDI’s ability to create custom peer groups that cross state boundaries. For the example, we willselect...

and from the highlighted three states, select…

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Iowa

Nebraska

Missouri

Otoe County

Fremont County

Atchison County

…and to an industry standard peer group of commercial banks that are chartered in the state of Nebraska and are less than $100 million in asset size.

…one county from each state

1 This institution chosen purely for illustrative purposes

The example will compare Otoe County Bank and Trust Company, Nebraska City, NE(FDIC Certificate # 33450)1 to a custom peergroup of institutions chartered in the countiesof the states selected above.... Navigation tip:

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Select

Note:Enter the Institution Directory (ID) by

A. typing www.fdic.gov and then selecting >

B. Bank Data >

C. Individual Banks >

D. Institution Directory (ID)

To create the report, enter the Institution Directory (ID) and….

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Select Note:Enter the Statistics on Depository Institutions (SDI) by

A. typing www.fdic.gov and then selecting >

B. Bank Data >

C. Individual Banks >

D. Institution Directory (ID) >

E. Advanced Features >

F. Statistics on Depository Institutions (SDI)

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Note:Enter the Statistics on Depository Institutions (SDI) and create a report by

A. typing www.fdic.gov and then selecting >

B. Bank Data >

C. Individual Banks >

D. Institution Directory (ID) >

E. Advanced Features >

F. Statistics on Depository Institutions (SDI) >

G. Create or Modify Reports

Select

-or-

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Select 3 columns

3

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Column 1 will contain Otoe County Bank and Trust Company.

Select Single InstitutionSingle Institution

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33450

If you know the FDIC Certificate number (or OTS Docket number) you can enter it or you can search for it by using “Find an Institution”. For this example, we will assume that we know Otoe County Bank and Trust’s FDIC Certificate number and will enter it in Column 1

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33450 Select Custom Peer GroupCustom Peer Group

In Column 2, we will create a custom peer group that consists of all FDIC-insured institutionschartered in: Otoe County, NE, ;Fremont County, IA; and Atchison County, MO.

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Select Create Peer Group

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Next

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39(Cont.)

Otoe

Nebraska

Type “Otoe”

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Select “Nebraska”

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First, find FDIC-insured institutions in Otoe County, NE.

Press “Find”

3

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Deselect “Otoe County Bank and Trust Company”3

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Select “All”1Press “Next”4

Select All Clear All Next

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Press “Add More”1

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Next

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42(Cont.)

Fremont

Iowa

Type “Fremont”

1

Select “Iowa”

2

Now, find FDIC-insured institutions in Fremont County, IA.

Press “Find”

3

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Select All Clear All NextSelect All Clear All Next

Press “Next”2Select “All”1

Select “Institutions”2

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Press “Add More”

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Next

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Atchison

Missouri

Type “Atchison”

1

Select “Missouri”

2

Finally, find FDIC-insured institutions in Atchison County, MO.

Press “Find”

3

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Select All Clear All Next

Select “All”1Press “Next”2

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Next

Press “Next”

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Standard Peer Group

Assets less than $100M

Column 2 selections are complete. In column 3, we will select an industry standard peer group that consists of FDIC-insured commercial banks that are chartered in the state of Nebraska andare less than $100 million in asset size.

Select the Standard Peer GroupCommercial Banks--Assets less than $100 million in Nebraska

1

Press “Next”

2

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A. Confirm that any individual institution or member of a custom peer group is available for the report date that you wish to analyze.

The SDI Confirmation Report allows youto:

1

B. Modify the Report Date and IncomeBasis (YTD, QTR).

C. Opt to view or download your report selection.

D. Choose from 47 different reports or build your own custom report.

E. View or download the report in dollars or as a percent of assets (average assets for income and expense items).Assets and Liabilities

For the example, we have confirmed ourselections and opt to view thePerformance and Condition Ratios...

2

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Performance and Condition Ratios

Select “Performance and Condition Ratios

1

Press “Next”

2

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51(The remainder of the Performance and Condition Ratios continued below.)

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From any SDI financialreport, youcan:

A. Modify the Report Date and IncomeBasis (YTD, QTR).

B. View the report in dollars or as a percent of assets (average assets for income and expense items).

C. Select other reports.

E. Go to a “Key Report” to find more information on column selections.

D. View definitions for all report items.

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Report area

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“Key Report”

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Example SDI-2

Using SDI, create a two column report that compares:

1. One FDIC-insured Institution

2. A custom peer group of all FDIC-insured institutions that specialize in

agricultural lending.

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The example will demonstrate SDI’s ability to create criteria-based custom peer groups. There is no observation limit to these peer groups. For the example, we will demonstrate how to create a custom peer group of…

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banks

that specialize in agricultural lending.

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Select

Note:Enter the Institution Directory (ID) by

A. typing www.fdic.gov and then selecting >

B. Bank Data >

C. Individual Banks >

D. Institution Directory (ID)

To create the report, enter the Institution Directory (ID) and….

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Select Note:Enter the Statistics on Depository Institutions (SDI) by

A. typing www.fdic.gov and then selecting >

B. Bank Data >

C. Individual Banks >

D. Institution Directory (ID) >

E. Advanced Features >

F. Statistics on Depository Institutions (SDI)

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Note:Enter the Statistics on Depository Institutions (SDI) and create a report by

A. typing www.fdic.gov and then selecting >

B. Bank Data >

C. Individual Banks >

D. Institution Directory (ID) >

E. Advanced Features >

F. Statistics on Depository Institutions (SDI) >

G. Create or Modify Reports

Select

-or-

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Select 2 columns

2

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Column 1 will contain Farmers Bank & Trust, National Association, Great Bend, KS.

Select Single InstitutionSingle Institution

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17614

If you know the FDIC Certificate number (or OTS Docket number) you can enter it or you can search for it by using “Find an Institution”. For this example, we will assume that we know Farmers Bank Trust , National Association’s FDIC Certificate number and will enter it in Column 1

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17614Select Custom Peer GroupCustom Peer Group

In Column 2, we will create a custom peer group that consists of all FDIC-insured institutionschartered in: Otoe County, NE, ;Fremont County, IA; and Atchison County, MO.

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Select Create Peer Group

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63(Cont.)

Select “Agricultural Specialization”From the “Asset Concentration Hierarchypull-down menu.

1

Find FDIC-insured institutions that specialize in agricultural lending.

Press “Find”

2

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Agricultural Specialization

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Select “Criteria”2

Select “All”1

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Press “Next”

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Select Performance and Condition RatiosFrom the drop-down box.

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Performance and Condition Ratios

Press “Next”

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Requested Report

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(The remainder of the Performance and Condition Ratios continued below.)

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Example SDI-3

Save the Custom Peer Group that you previously created.

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Note: See how to createcustom peer groups byreviewing .

1

Select “Save/Delete”.

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Next

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Note: Custom peer groups are saved as a“cookie”. They are unique to both the Internetbrowser and the computer that you are using.If you enter your e-mail address, the peer group will be saved on the FDIC’s server and isaccessible from any computer or browser

test

2

“Check” the Peer Group that you wish to Save.

3

Name the Peer Group or use the default name.

4Press “Save”.

5

Note: If you have previously created any custom peer groups, they will be listed here, and will be available for removal if you no longer want them.

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1

Enter your e-mail address to save the Peer Group on the FDIC’s Server.

anyname@nnn.nnn

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Example SDI-4

Retrieve the Custom Peer Group that you previously saved.

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Note:Enter the Statistics on Depository Institutions (SDI) and retrieve a previously created custom peer group by:

A. typing www.fdic.gov and then selecting >

B. Bank Data >

C. Individual Banks >

D. Institution Directory (ID) >

E. Advanced Features >

F. Statistics on Depository Institutions (SDI) >

G. Peer Groups

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Select2

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anyname@nnn.nnnanyname@nnn.nnn

Show List

Note:A. For this example, retrieve

the custom peer group named “test” to Column 1.

B. Pressing “Peer Groups” automatically accesses the “Retrieve Custom Peer Group” screen.

Press “Retrieve Peer Group(s)

2Press “Confirm Retrieval”

3

Note: Any custom peer groups that you created within your current session will be displayed here. Navigation tip:

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1

View saved peer groups and “check” the column where you wish to retrieve the Peer Group.

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Note:The SDI system always validates a previously saved custom peer group against the most recent quarterly reporting period to determine if all institutions in your peer group filed in the most period.

Press “Next”

1

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Note: See how to constructreports by reviewing .

The custom peer group has been retrieved to Column 1.

1

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Example SDI-5

Create a Custom Report in SDI. Using the previous example for column selections, create a report that consists of:

1. Total Assets

2. Total Deposits

3. Net Income

4. Return on Assets

5. Return on Equity

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76(The remainder of the Performance and Condition Ratios continued below.)

Note: See how this reportwas originally constructedby reviewing .

1

Select “Custom Reports”.

Custom Reports

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77

3

Select drop-down menu for variables from other schedules.

1

Select “Total Assets”.

2

Select “Total Deposits”.

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Assets and LiabilitiesAssets and Liabilities

Income and Expense

1

Select “Income and Expense” from the drop-down menu.

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(More items from the Income and Expense schedule

3

Select drop-down menu for variables from other schedules.

1

Select “Net Income”.

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(More items from the Income and Expense schedule

1

Select “Performance and Condition Ratios” from the drop-down menu.

Performance and Condition Ratios

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(More items from the Performance and Condition Ratios schedule

2Press “Next”

1

Select “ROA” and “ROE”

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Press “Next”

21

Note: In addition tocontinuing the customreport, this screen allowsyou to:

confirm your selectionsand:

B. Start over by pressing ”Clear All”.

C. Continue selecting variables by pressing ”Add More”.

A. Confirm your selections

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(Rest of Custom Report)

Report only containsthose items that yourequested.

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Example SDI-6

Save the Custom Report that you previously created.

85

Press “Save”

21

Note: In addition tocontinuing the customreport, this screen allowsyou to:

confirm your selectionsand:

B. Start over by pressing ”Clear All”.

C. Continue selecting variables by pressing ”Add More”.

A. Confirm your selections

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Press “Save”

3test anyname@nnn.nnn

Enter name of report

1Enter e-mail address (optional)

2

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Press “Next”

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Example SDI-7

Retrieve the Custom Report that you previously saved.

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Select2

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anyname@nnn.nnn

Type email address and..

1

Press “Lookup”anyname@nnn.nnn

Select

anyname@nnn.nnn

Press “Retrieve”

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The report has been retrieved. Press “View Custom Report” to see your selections

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Press “Next”

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Complete report by filling out the column criteria above. Please note that you can retrieve previously saved custom peer groupsAnd include them as columns criteria. See to learn how to retrieve custom peer groups.

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94

Example SDI-8 Download data from SDI. For the example, download the following

variables for all FDIC-insured institutions that have $1 billion or less in assets (currently more than 9,000 institutions):

1. Total Assets

2. Total Deposits

3. Net Income

4. Return on Assets

5. Return on Equity

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Note:Enter the Statistics on Depository Institutions (SDI) and initiate a download by:

A. typing www.fdic.gov and then selecting >

B. Bank Data >

C. Individual Banks >

D. Institution Directory (ID) >

E. Advanced Features >

F. Statistics on Depository Institutions (SDI) >

G. SDI Map, Definitions, and Data Download

1

Select1

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Press “Next”

2

1

Select

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3

Select drop-down menu for variables from other schedules.

1

Select “Total Assets”.

2

Select “Total Deposits”.

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Assets and LiabilitiesAssets and Liabilities

Income and Expense

1

Select “Income and Expense” from the drop-down menu.

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(More items from the Income and Expense schedule

2

Select drop-down menu for variables from other schedules.

1

Select “Net Income”.

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(More items from the Income and Expense schedule

1

Select “Performance and Condition Ratios” from the drop-down menu.

Performance and Condition Ratios

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(More items from the Performance and Condition Ratios schedule

2Press “Next”

1

Select “ROA” and “ROE”

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1

Note: In addition tocontinuing the downloadprocess, this screen allowsyou to:

A. Start over by pressing ”Clear All”.

B. Continue selecting variables by pressing ”Add More”.

Press “Next”

2

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(Some items cut from the “Find” screen for display purposes

(Some items cut from the “Find” screen for display purposes

1000000

Reminder:This example shows how to downloadselect data items: A. Total Assets,

B. Total Deposits,C. Net Income,D. ROA,E. ROE

for all FDIC-insured institutions thathave less than or equal to $1 billion in Total Assets.

Select “Additional”

1

Press “Find”3

Select Total Assets and type in 1 billion (in thousands of dollars)

2

Total Assets

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Press “Download”2

1

Note: In addition to continuingthe download process, this screenallows you to:

A. See how many recordsmet search criteria

B. Determine the approximatesize of the download file.

A. Change your selection criteria.

B. Reinitiate the download process.

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Press

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Press

Select

2

1

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Select the location to where you wishto save the file.

1

2

Name the file or use the default.Note: Remember that the file is acomma separated value (.csv) file.

Press

3

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Open the file in a software package that can read a comma separated value (csv) file (e.g. Excel, Lotus, Quattro, SAS, Access, etc).

1

Open the file in a software package that can read a comma separated value (csv) file (e.g., Excel, Lotus, Quattro, SAS, Access, etc).

1

2

Data area

Follow to obtaindata definitions

3

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Summary of Deposits (SOD)

SOD vs ID (SDI) data comparison

Example: List of institutions operating in L.A.?

Are these different slices of the same data?Why are they different?

Confusing?

DataComparison

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110

Using the ID system, create a list of institutions where state=CA,

(sorted by deposits).

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Using the SOD Market

Share Report, create a list of institutions

where state=CA

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Compare their deposits?

ID

SOD

Where is Bank of America?

Why? Although Bank of America has branch operations in California, it is chartered in North

Carolina

?

Compare the institutions?Compare their order?

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Why the difference?

Institution Directory (ID) data are geographically based on the location of the institution’s charter (i.e. headquarters or main

office).

The branch deposit data in the Summary of Deposits are based on the location of the branch offices.

The Summary of Deposits survey is the only data that the FDIC receives at the branch office level.

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Summary ofDeposits

www3.fdic.gov/sod

Annual survey of deposits as of June 30

Only source of branch deposits by location of offices

Data back to 1994

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Summary ofDeposits

Home Page

Update schedule

Gold navigation bar

FDIC and OTS links

New features

FEATURES

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Docket number

FIND OFFICEList branch /

office deposits

Institution name

Certificate number

INSTITUTION AND GEOGRAPHIC

SEARCH

INSTITUTION SEARCH

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FIND OFFICEList branch /

office deposits

GeographicLocation

State, county, city or zip code

Metropolitan Statistical Areas

State and county map search

Click on the map

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State and County

Map SearchSelect state:

South Dakota

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State and County

Map SearchSelect county:

Fall River

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State and County

Map SearchList of all institutions and

branches in Fall River County, South Dakota

Selection criteria

Report layout

State

County

Institutions

Branch offices

Deposits

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Market Share and Bank

HoldingCompany

Market Share Reports by Institution or Bank Holding Company

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Market Share and Bank

HoldingCompany

Custom market share reports

MSA

FDIC geographic regions

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SummaryTables

National

Regional

State / County

Click on National Summary by Charter

Class

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SummaryTablesSample Table - National Totals

byCharter Class

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Charts and Graphs

Visual presentations of historical deposit data

Click on Chart 9 - Number of Multi-State organizations

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Charts and Graphs

Sample - Number of Multi-State

Organizations and Their Share of Assets and Deposits

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DownloadNational

State

FDIC geographic regions

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InstitutionDirectory

Institution level demographic and

financial data

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Explanation of features, definitions

and contact information

SODHelp

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Find all offices in Honolulu?

Click on FIND OFFICE

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Find all offices in Honolulu

Click on Geographic Location

FIND OFFICE PAGE

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Find all offices in Honolulu

Select: Hawaii

Click Continue

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Find all offices in HonoluluSelect: City from Pick

List

Click Continue

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Find all offices in HonoluluSelection Confirmation

Page

Scroll down to Honolulu on City list

Click Continue

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Find all offices in Honolulu

Report Layout

Selection criteria

State

County

Institution

Branches

Deposits

County Totals

State Totals

Link to the institution’s latest financial profile

(ID)

List of all offices and deposits for this

institution

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Create a Custom Market Share Report

Click onMarket Share

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Market Share Report

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Iowa

Nebraska

Missouri

Otoe County

Fremont County

Atchison County

Select 3 adjacent counties in 3 states, Fremont County Iowa, Otoe County Nebraska and Atchison County Missouri

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Market Share ReportSelect option 1:

STATE>COUNTY>CITY>ZIP

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Market Share Report

Select time period.Default is to most

current data

Select State: Iowa

Select Report Content: Select Custom Market Share, by Institution

Select Sort:Market Share

Click Continue

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Market Share Report

Select County:Fremont

Select Continue

Selection Confirmation

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Market Share Report

Confirmation Page

Add next countyClick ADD

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Market Share ReportSelect Next State

Scroll down to Missouri

Click on Continue

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Market Share Report

Select Atchison County

Click Continue

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Market Share Report

Click ADD to repeat the process to add Otoe

County, Nebraska

Confirmation Page

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Market Share Report

Confirm all selections, then click Run Report

Confirmation Page

Fast Fact!You can mix and match up to 10 line item combinations of state,

County, City, and Zip Code.

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Market Share ReportReport Layout

Selection Criteria

Date Selection: back to 1994

Sort Options: Name or Market Share

Select Printer Friendly Version

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Market Share Report

Printer Friendly Version Report Layout

Institution Informationranked by market share

Market Share DataInside and Outside

Gives a complete picture of each institution

Number of Offices

Deposits

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Market Share Report

Printer Friendly Version Report Layout

Market Share Rankings

Link to the Institution’s latest financial profile (ID)

Click to generate a list of all offices for the selected institution - regardless of

location

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Summary of

Deposits

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Future Additions/ Enhancements

Build your own query Download all data for any one time period with

one simple mouse-click

Add more statistics (e.g. median, min, max, rank) to the ratio

reports Provide more complete historical records so that mergers,

name changes, insurance changes, etc. can be more

completely traced Add graphing capability Your ideas………...

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