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1. A ------- ---------- ---------- ---------- ---------- Table of Contents Navigation Help Navigation tip: Press left mouse button to go forward

2. A ------- ---------- ---------- ---------- ---------- Table of Contents Navigation Help Federal Deposit Insurance Corporation Tutorial for the Institution Directory (ID) Statistics on Depository Institutions (SDI) Summary of Deposits (SOD) July 2003 Navigation tip: Press left mouse button to go forward

3. A ------- ---------- ---------- ---------- ---------- Table of Contents: ID/SDI/SOD Tutorial Table of Contents Navigation Help Question: Slides 4-7 (1) How do I find and list FDIC-insured institutions?….………………………………………………………………..….………………….. 8-11 (2) How do I find and list offices of FDIC-insured institutions?…………………………………………………………….….…………… (3) How can I prepare and view reports (financial and demographic) of FDIC-insured institutions?…………………….…………….. 12-15 16-21 (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? .…...….…………….……… 22-27 (6) I want to compare a FDIC-insured institution to select groups of institutions - a custom peer group, and a standard industry peer group. How do I do this? ………………………………………………………………………………………….. 28-52 53-66 (7) I want to compare a FDIC-insured institution to a custom peer group of institutions based on common criteria………........ 67-69 (9) After creating a custom peer group, I would like to save it for future use. How can I do this? ……….………………………........ 70-74 (11) I want to retrieve a previously created custom peer group. How can I do this? …………………...…………………………….…. (8) How can I create a report and tailor it so it includes only the items in which I am interested?………………….…………….……… 75-83 (10) After creating a custom report, I would like to save it for future use. How can I do this? ……….………………………........... …. 84-87 (12) I want to retrieve a previously created custom report. How can I do this? ……………….………...………………………………. 88-93 94-108 (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 Institution Directory (ID) and the Statistics on Depository Institutions (SDI)? ………………………………..………………………………. 109-113 114-129 (15) Is there any help available that displays the general navigation of the SOD system? …………………………………………… 130-135 (16) How do I find deposits and offices of insured institutions? ………………………………...………………………………….. ……. 136-149 (17) How can I create a deposit market share report using SOD data? …………………………………………………….….…….. Navigation tip: Press left mouse button to go forward

4. A ------- ---------- ---------- ---------- ---------- Table of Contents Navigation Help Example ID-1 • Find FDIC-insured institutions that are chartered in the state of California and are Subchapter S Corporations Navigation tip: Press left mouse button to go forward

5. Select A ------- ---------- ---------- ---------- ---------- Table of Contents Navigation Help 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) Navigation tip: Press left mouse button to go forward

6. 1 Select 2 Select “California” Select “Subchapter S Corporations” 3 Press 4 A ------- ---------- ---------- ---------- ---------- Table of Contents Navigation Help (Cont.) California Subchapter S Corporation (Cont.) Navigation tip: Press left mouse button to go forward

7. A ------- ---------- ---------- ---------- ---------- Table of Contents Navigation Help Results of query Navigation tip: Press left mouse button to go forward

8. A ------- ---------- ---------- ---------- ---------- Table of Contents Navigation Help Example ID-2 • Find offices of Bank of Hawaii that are located in Honolulu, HI. Navigation tip: Press left mouse button to go forward

9. Select A ------- ---------- ---------- ---------- ---------- Table of Contents Navigation Help 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) Navigation tip: Press left mouse button to go forward

10. 3 Hawaii Press 4 A ------- ---------- ---------- ---------- ---------- Table of Contents Navigation Help 1 Bank of Hawaii 2 Honolulu Navigation tip: Press left mouse button to go forward

11. (Cont.) A ------- ---------- ---------- ---------- ---------- Table of Contents Navigation Help Results of query Navigation tip: Press left mouse button to go forward

12. A ------- ---------- ---------- ---------- ---------- Table of Contents Navigation Help 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. Navigation tip: Press left mouse button to go forward

13. 2 Select A ------- ---------- ---------- ---------- ---------- Table of Contents Navigation Help 1 Note: The Institution List was generated by selecting: A. Find Institution B. Additional Find Options C. State = California D. Frequently Asked Questions = Subchapter S Corporations Navigation tip: Press left mouse button to go forward

14. 1 2 Select Press Assets and Liabilities A ------- ---------- ---------- ---------- ---------- Table of Contents Navigation Help Navigation tip: Press left mouse button to go forward

15. 1 Report area (Cont.) A ------- ---------- ---------- ---------- ---------- Table of Contents Navigation Help 2 From any ID financial or demographic report, you can: A. Modify the Report Date and Income Basis (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. Navigation tip: Press left mouse button to go forward

16. A ------- ---------- ---------- ---------- ---------- Table of Contents Navigation Help 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. Navigation tip: Press left mouse button to go forward

17. Select A ------- ---------- ---------- ---------- ---------- To create the report, enter the Institution Directory (ID) and…. Table of Contents Navigation Help 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) Navigation tip: Press left mouse button to go forward

18. Select A ------- ---------- ---------- ---------- ---------- Table of Contents Navigation Help 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 Navigation tip: Press left mouse button to go forward

19. 1 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. 2 Select the Standard Peer Group Commercial Banks--Assets less than $100 million in California Single Institution Assets less than $100M Standard Peer Group Single Institution Assets less than $100M 3 Press “Compare” State A ------- ---------- ---------- ---------- ---------- Table of Contents Navigation Help 25726 Navigation tip: Press left mouse button to go forward

20. 1 Select 2 Press Assets and Liabilities A ------- ---------- ---------- ---------- ---------- Table of Contents Navigation Help 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. Navigation tip: Press left mouse button to go forward

21. 1 Report area A ------- ---------- ---------- ---------- ---------- Table of Contents Navigation Help Note: See to review all of the navigational capabilities from any ID report. Slide 15 Navigation tip: Press left mouse button to go forward (More items from the Assets and Liabilities Report

22. A ------- ---------- ---------- ---------- ---------- Table of Contents Navigation Help Example ID-5 • Download the list of FDIC-insured institutions that are chartered in the state of California and are Subchapter S Corporations. Navigation tip: Press left mouse button to go forward

23. Select A ------- ---------- ---------- ---------- ---------- Table of Contents Navigation Help 2 1 Note: The Institution List was generated by selecting: A. Find Institution B. Additional Find Options C. State = California D. Frequently Asked Questions = Subchapter S Corporations Navigation tip: Press left mouse button to go forward

24. Press A ------- ---------- ---------- ---------- ---------- Table of Contents Navigation Help Navigation tip: Press left mouse button to go forward

25. Press Select A ------- ---------- ---------- ---------- ---------- Table of Contents Navigation Help 1 2 Navigation tip: Press left mouse button to go forward

26. Select the location to where you wish to save the file. Press Name the file or use the default. Note: Remember that the file is a comma separated value (.csv) file. A ------- ---------- ---------- ---------- ---------- Table of Contents Navigation Help 1 3 2 Navigation tip: Press left mouse button to go forward

27. 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). 2 Data area 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). 2 Definitions A ------- ---------- ---------- ---------- ---------- Table of Contents Navigation Help Navigation tip: Press left mouse button to go forward

28. A ------- ---------- ---------- ---------- ---------- Table of Contents Navigation Help 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 Navigation tip: Press left mouse button to go forward

29. Iowa Nebraska Missouri A ------- ---------- ---------- ---------- ---------- Table of Contents Navigation Help The example will demonstrate SDI’s ability to create custom peer groups that cross state boundaries. For the example, we will select... Navigation tip: Press left mouse button to go forward and from the highlighted three states, select…

30. Iowa Fremont County Atchison County Missouri Otoe County Nebraska The example will compare Otoe County Bank and Trust Company, Nebraska City, NE (FDIC Certificate # 33450)1 to a custom peer group of institutions chartered in the counties of the states selected above.... 1 This institution chosen purely for illustrative purposes A ------- ---------- ---------- ---------- ---------- …one county from each state Table of Contents Navigation Help Navigation tip: Press left mouse button to go forward …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.

31. Select A ------- ---------- ---------- ---------- ---------- To create the report, enter the Institution Directory (ID) and…. Table of Contents Navigation Help 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) Navigation tip: Press left mouse button to go forward

32. Select A ------- ---------- ---------- ---------- ---------- Table of Contents Navigation Help 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) Navigation tip: Press left mouse button to go forward

33. Select -or- A ------- ---------- ---------- ---------- ---------- Table of Contents Navigation Help 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 Navigation tip: Press left mouse button to go forward

34. Select 3 columns 3 A ------- ---------- ---------- ---------- ---------- Table of Contents Navigation Help Navigation tip: Press left mouse button to go forward

35. Select Single Institution Single Institution A ------- ---------- ---------- ---------- ---------- Table of Contents Navigation Help Column 1 will contain Otoe County Bank and Trust Company. Navigation tip: Press left mouse button to go forward

36. 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 A ------- ---------- ---------- ---------- ---------- Table of Contents Navigation Help 33450 Navigation tip: Press left mouse button to go forward

37. Select Custom Peer Group Custom Peer Group A ------- ---------- ---------- ---------- ---------- Table of Contents Navigation Help In Column 2, we will create a custom peer group that consists of all FDIC-insured institutions chartered in: Otoe County, NE, ;Fremont County, IA; and Atchison County, MO. 33450 Navigation tip: Press left mouse button to go forward

38. Select Create Peer Group A ------- ---------- ---------- ---------- ---------- Table of Contents Navigation Help Next Navigation tip: Press left mouse button to go forward

39. 3 Press “Find” Type “Otoe” Select “Nebraska” 1 2 (Cont.) A ------- ---------- ---------- ---------- ---------- Table of Contents Navigation Help First, find FDIC-insured institutions in Otoe County, NE. Otoe Nebraska Navigation tip: Press left mouse button to go forward

40. Select All Clear All Next Select “All” 1 Press “Next” 4 Deselect “Otoe County Bank and Trust Company” 3 Select “Institutions” 2 A ------- ---------- ---------- ---------- ---------- Table of Contents Navigation Help Navigation tip: Press left mouse button to go forward

41. Press “Add More” 1 A ------- ---------- ---------- ---------- ---------- Table of Contents Navigation Help Next Navigation tip: Press left mouse button to go forward

42. 3 Press “Find” Type “Fremont” Select “Iowa” 1 2 (Cont.) A ------- ---------- ---------- ---------- ---------- Table of Contents Navigation Help Now, find FDIC-insured institutions in Fremont County, IA. Fremont Iowa Navigation tip: Press left mouse button to go forward

43. Select All Clear All Next Select “All” 1 Press “Next” 2 Select “Institutions” 2 A ------- ---------- ---------- ---------- ---------- Table of Contents Navigation Help Select All Clear All Next Navigation tip: Press left mouse button to go forward

44. Press “Add More” A ------- ---------- ---------- ---------- ---------- Table of Contents Navigation Help Next Navigation tip: Press left mouse button to go forward

45. 3 Press “Find” Type “Atchison” Select “Missouri” 1 2 (Cont.) A ------- ---------- ---------- ---------- ---------- Table of Contents Navigation Help Finally, find FDIC-insured institutions in Atchison County, MO. Atchison Missouri Navigation tip: Press left mouse button to go forward

46. Select All Clear All Next Select “All” 1 Press “Next” 2 Select “Institutions” 2 A ------- ---------- ---------- ---------- ---------- Table of Contents Navigation Help Navigation tip: Press left mouse button to go forward

47. Press “Next” A ------- ---------- ---------- ---------- ---------- Table of Contents Navigation Help Next Navigation tip: Press left mouse button to go forward

48. 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 and are less than $100 million in asset size. 1 2 Standard Peer Group Select the Standard Peer Group Commercial Banks--Assets less than $100 million in Nebraska Press “Next” Assets less than $100M A ------- ---------- ---------- ---------- ---------- Table of Contents Navigation Help Next Navigation tip: Press left mouse button to go forward

49. 1 The SDI Confirmation Report allows you to: Assets and Liabilities 2 For the example, we have confirmed our selections and opt to view the Performance and Condition Ratios... A ------- ---------- ---------- ---------- ---------- Table of Contents Navigation Help A. Confirm that any individual institution or member of a custom peer group is available for the report date that you wish to analyze. B. Modify the Report Date and Income Basis (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). Next Navigation tip: Press left mouse button to go forward

50. 1 2 Select “Performance and Condition Ratios Press “Next” A ------- ---------- ---------- ---------- ---------- Table of Contents Navigation Help Next Performance and Condition Ratios Navigation tip: Press left mouse button to go forward