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In investments, the IDC bank credit rating assesses the credit worthiness of a FDIC insured institution. The credit rating is a financial indicator for potential investors with holding with Bank CD’s (Certificates of Deposit) and bank holding, such as money market, to help predict the chances in the future of an institution becoming insolvent.
To provide a clear and simple ratings service, all FDIC insured banks and banks holding companies need to provide IDC results.
Ratings institutions work on a scale of 300 (best) to 1, which is based on financial statistics, CAMEL factors, and ratios.
95 % of all financial institutions rated below 50 have failed, according to IDC, since 1985. While the majority of failed Banking institutions achieved only a 1 (again, 1 is the lowest IDC ranking a bank can achieve).
They use the CAMEL (which in simple terms is a good loans to bad loans ratio) approach as part of the analysis process that uses over 35 key ratios to come up with a single rating.
Factors that could influences the IDC Bank Ratings are as follows:
- Assess the credit worthiness of banks in the absence of a formal credit rating.
- Understanding the key accounting standards.
- Identify key risk areas.
- Provide a framework for analysis.
- Use the CAMEL approach as part of the analysis process.
- Identify and analyze key environmental drivers including regulatory issues.
- Identify and analyze the key factors influencing operational dynamics of a bank.
- Undertake a full analysis of a bank: demonstrating an understanding of the full range of analytical tolls and a capacity to apply them in practice.
- Interpret the key financial ratios.
- Identify the main reasons and warning signs for bank failures.
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IDC Financial Publishing
One line summary of financial statistics and ratios for each institution; peer group distributions; special lists including banks and bank holding companies (BHCs) with high loan delinquency by type, largest lower ranked BHCs, largest higher ranked BHCs, banks and BHCs with large investment portfolios, and banks and BHCs with large non-interest income.
PRODUCT: Bank Financial Quarterly
FREQUENCY: Updated quarterly
P.O. Box 140, 700 Walnut Ridge Dr., Suite 201, Hartland, WI, 53029. Phone: (414) 367-7231 or (800) 525-5457
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