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Bankrate Snapshot
Bank, Thrift
& Credit Union Research
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Bankrate, Inc.
has been a recognized leader in financial institution Research, Analysis
and Surveys for 26 years. Leveraging industry expertise, Bankrate Inc.
has developed a unique Snapshot for Bank, Thrift & Credit Union
research and analysis. Bankrate's Snapshot service provides financial
research information along with Bankrate's CAEL Rating covering
the financial condition of over 22,000 Banks, Thrifts & Credit Unions
nationwide.
Bankrate's CAEL Rating is a proprietary analysis
of the financial categories: Capitalization, Asset Quality, Earnings
and Liquidity (CAEL), for each financial institution. Using quarterly
data from the Federal Deposit Insurance Corporation, Office of Thrift
Supervision, and the National Credit Union Administration, Bankrate assigns
a value to each of the CAEL categories and calculates a composite Bankrate
CAEL Rating for each financial institution.
The Bankrate Snapshot provides powerful independent
research for industry professionals, institutions, regulators, depositors,
borrowers, creditors, those seeking to reduce counterparty risk and others
needing information regarding financial profile, condition and soundness
of banks, thrifts and credit unions.
The Bankrate Snapshot service delivers instantaneous,
online or desktop access to actionable competitive data:
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Research Ratings
Independent analysis and rating of the financial condition for over
22,000 Banks, Thrifts & Credit Unions. Financial institutions receive
a quarterly Bankrate CAEL Rating of One to Five based on the research
data and analysis. The highest rating is one and the least desirable is
five, indicating the financial soundness of the institution. Bankrate's
CAEL Ratings; 1=Superior, 2=Sound, 3=Performing, 4=Below Average, 5=Weak. |
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Snapshot Analysis
Each institution's financial condition is analyzed and reported. An earnings
analysis reviews profitability, component contributions to current year
results, and prior year performance. Asset quality is examined focusing
on non-performing asset levels, loss reserve coverage, category risk, and
loan yield. Capital trends, adequacy, quality, and durability as well as
liquidity and interest rate risk are analyzed. The report also summarizes
organizational information and historical financial data. A separate financial
summary section includes a balance sheet, and key ratio data. The analysis
also includes early warning and predictive indicators. |
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Reports and Search
Standard reports include Ratings of Top 20 Banks by Asset Size, Top 20 CAEL
rated institutions, Lowest 20 CAEL rated institutions. Pre-set Search routines
can be used to identify institutions that fit the rating criteria of interest
such as: Top rated CAEL 1 institutions, Weak CAEL 5 rated institutions,
Ratings of Institutions in a particular State or City, Ratings for institutions
of an Asset Size group or other peer comparison. Search by holding company
as well as individual operating institution. |
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Snapshot Database
For a more in-depth look at institutions' financial data, a query tool allows
user-specified criteria for list creation and data capture. This feature
will be especially useful to the professional seeking specific institution
profiles, comparison reviews and special target data analysis. Data is available
in multiple formats including Excel and PDF. |
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National Coverage
Bankrate's Snapshot is designed for the professional, providing
quality research and analysis. Bankrate Inc. provides a variety of
information to financial service clients including Federal Reserve, New
York State Department of Banking, American Express, MBNA America Bank, Smith
Barney, Bank of America, New York Life, A.G. Edwards, Morgan Stanley, and
Wells Fargo Bank. Bankrate is the premier provider of consumer banking product
information to top print and online publications such as The Wall Street
Journal, New York Times, Newsday, USA Today and hundreds of other major
media.
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