as a result of these new features, almost 200 new ......please call 866.296.3743 or email...
TRANSCRIPT
Strictly Private and Confidential
In the past 18 months, SNL has released several new tools for our depository clients. As a result of these new features, almost 200 new depositories in 2012 have begun subscribing to SNL. There are now over 1,700 depository clients using the SNL product.
You can find many of these new features in the following pages – these include:
• Basel III template - estimate new capital ratios in less than 5 minutes • Deposit and loan rates at the branch level for 40+ products for all
depositories with $100MM+ in assets • UBPR peer analysis
• Valuation tools – estimate value of bank in minutes • Performance analysis • Demographic and branch analysis
Please call 866.296.3743 or email [email protected] to schedule a quick online demonstration.
This product will make you smarter, help you make better decisions, and save you time – please give us an opportunity to show you why.
John Montgomery, CFA, CPA Director of Financial Institutions Group [email protected] 434.951.7669
Confidential – Not for Redistribution 2
Estimate your new Basel III capital and capital ratios in less than 5 minutes
Understand what your Common Equity Tier 1 Ratio will be and how it’s determined
Includes detailed notes explaining how the new rules will impact community banks
Basel III Capital
Confidential – Not for Redistribution 3
Current and historical rate data for over 40 standard depository products and specials
Within the next several months, SNL will offer rate data for all depositories with $100 million or more in assets. Those subscribing to SNL receive comprehensive access to rates for all firms and markets – there is no need to pay by the firm or market
Rate data is available at the branch-level for each depository covered by SNL. In addition, SNL calculates average rates for all geographic markets on a daily basis
Deposit and Loan Rates
Standard Products for All Institutions with
with $100MM+ in Assets
Deposit Consumer MortgageRegular Savings - $1k New Car - 36 Month 1 Yr Arm
Liquid IRA Account - $10k New Car - 48 Month 3/1 Arm
Interest Checking - $5k New Car - 60 Month 5/1 Arm
Money market - $2.5k New Car - 72 Month 7/1 Arm
Money market - $10k Use Car - 36 Month 15 Yr Fixed
Money market- $25k Used Car - 48 Month 20 Yr Fixed
Money market - $50k Used Car - 60 Month 30 yr Fixed
Money market - $100k Used Car - 72 Month
Money market - $250k New RV - 60 Month
3 Mo CD - $10k New Boat - 60 Month
6 Mo CD - $10k Home Equity - LOC
1 Yr CD - $10k Home Equity - 5 Year
18 Mo CD - $10k Home Equity - 10 Year
2 Yr CD - $10k Home Equity - 15 Year
30 Mo CD - $10k Unsecured - 36 Month
3 Yr CD - $10k Credit Card Classic
4 Yr CD - $10k Credit Card Platinum
5 Yr CD - $10k Rewards Credit Card
In addition, SNL also covers 14 Jumbo Deposit products for all depositories with $1BN+ in assets
Confidential – Not for Redistribution 4
Revolutionizes screening and peer comparison for depositories. Key features include:
Default peer logic that has been fully vetted by industry experts – logic is fully customizable and extremely robust
Innovative “comparability score” allows you to quickly compare the similarity of peers to the focus company
Pre-built library of standard industry reports; reports can quickly be customized
UBPR-like industry aggregates that can easily be added to your reports and customized
Peer Analytics
Confidential – Not for Redistribution 5
Uniform Bank Performance Report template allows you to view a 5-period picture of the financial trends and operating results for a bank, alongside a preset group of peer banks. Peers are typically UBPR peer groups, or banks comparable in asset size, geography, or tax status
Using this template, you can easily identify key trends and analyze performance over time, as well as set appropriate goals for future performance
The template uses directional indicators to help you visualize an institution's areas of strengths and weakness against its peers. You can fully customize the percentage threshold to see where an institution is out- or under-performing its peers (i.e. choose any threshold: 10%, 25%, 80%, etc.)
UBPR Analysis
Confidential – Not for Redistribution 6
Performance Analytics
Provides in-depth understanding of the factors driving ROAE for US banks and thrifts
Via a tree-like structure, ROAE is broken down into detailed components, such as yield on loans, cost of deposits, service charges on deposits, salary expense, provision for loan losses and several other metrics
Easily see how a firm is performing relative to its peer group as well as industry aggregates/indexes
Model “what-if” scenarios to see the hypothetical ROAE resulting from changes to performance drivers
Confidential – Not for Redistribution 7
Bank Valuation – “What’s your Bank Worth?”
In less than 10 minutes, quickly estimate the value of your bank or a potential acquisition
Easily see how changes in assumptions, such as growth, yields, costs, and leverage change the value of a bank
Confidential – Not for Redistribution 8
Fully Customizable Charts
Quickly create charts to show trends in financial metrics, visualize the components of a company’s loan portfolio, or compare multiple companies’ financial returns
Both time series and single period charts are available as well as the option to use a secondary axis
Show individual companies within a peer group as well as any pre-defined or custom aggregate
Confidential – Not for Redistribution 9
Branch Analytics
Dynamic tool for analyzing branches, markets and demographics
Main features include:
Deposit Market Share Analysis – Create custom deposit market share reports highlighting deposit growth trends and market demographics. Quickly identify companies and markets with specific characteristics. Proximity-based market share allows you to identify the immediate competition surrounding a bank’s branch network or surrounding a prospective branch location
Transaction HHI Analysis – Calculate pro forma HHI for company or branch acquisitions. Includes a feature that allows you to determine the impact of divesting excess deposits to individual buyers
Market Overlap Analysis – Identify shared branch markets for several firms at once. Determine branch consolidation potential for M&A deals by generating a distance-based branch overlap report for the buyer and seller
Confidential – Not for Redistribution 10
Demographics
Quickly analyze demographics and business composition at several market levels including State, MSA, County, City, Zip Code and Census Tract. Easily screen for markets that meet your criteria
For each market level, hundreds of demographic data points are available as well as business data related to the number of businesses, employees and LTM sales for 50+ business categories
Gain a better understanding for how markets are expected to change by using the historical, current and 5-year projected data points
Business classifications include:
Hotel and Accommodation Health Care & Social Assistance
Admin, Support & Waste Mgmt Svcs Home Improvement
Ag, Forestry, Fishing & Hunting Information
Arts, Entertainment & Recreation Insurance Carriers and Related
Automotive Repair & Maintenance Legal Services
Banks Manufacturing
Building Mat. & Supplies Dealers Mgmt of Companies & Enterprises
Central Bank and Credit Intermed. Mining
Clothing & Clothing Accessories Motor Vehicle & Parts Dealers
Communication Nonstore Retailers
Construction Professional, Scientific & Tech Serv.
Educational Services Public Administration
Electronics & Appliance Stores Real Estate, Rental & Leasing
Finance & Insurance Retail Trade
Food & Beverage Stores Securities and Other Investments
Food Services & Drinking Places Sport, Hobby, Book & Music Stores
Furniture & Home Furnishing Stores Transportation & Warehousing
Gasoline Stations Utilities
General Merchandise Stores Wholesale Trade
Health & Personal Care Stores
Demographic fields include:
Population Per Capita Income Population Age 0-14
Female Population Median Household Income Population Age 15-34
Male Population Average Household Income Population Age 35-54
Population Density (#/sq. mi.) Households with Income < $25K Population Age 55-69
Median Age Households with Income $25K-$49K Population Age 70+
Households Households with Income $50K-$99K
Family Households Households with Income $100K-$199K Caucasian Population
Households with Income $200K+ Black Population
Housing Units American Indian Population
Renter Occupied Housing Units Median Household Net Worth Asian Population
Vacant Housing Units Average Household Net Worth Pacific Islander Population
Owner Occupied Housing Units Households with Net Worth < $35K Other Race Population
Median Value of Own. Occ Hous. Units Households with Net Worth $35K-$74K Multiple Races Population
Average Value of Own. Occ Hous. Units Households with Net Worth $75K-$99K Hispanic Population
Owner Occ Housing Units < $100K Households with Net Worth $100K-$149K Population Diversity Index (%)
Owner Occ Housing Units $100K-$199K Households with Net Worth $150K-$249K
Owner Occ Housing Units $200K-$299K Households with Net Worth $250K-$499K Population with Educ Attainment
Owner Occ Housing Units $300K-$499K Households with Net Worth $500K+ Population with Educ < 9th Grade
Owner Occ Housing Units $500K-$749K Population with Some High School
Owner Occ Housing Units $750K-$999K Median Disposable Income Population with High School Diploma
Owner Occ Housing Units $1M+ Average Disposable Income Population with Some College
Households with Disp Income < $25K Population with Associate's Degree
Unemployment Rate (%) Households with Disp Income $25-49K Population with Bachelor's Degree
Unemployed Population 16+ Households with Disp Income $50-99K Population with Graduate Degree
Households with Disp Income $100-199K
Households with Disp Income $200K+
Confidential – Not for Redistribution 11
Create branch maps with customizable colors, sizes, and shapes for branch locations
Visualize deposits and other attributes of branches by either colors or shapes
Show demographic variables
Add labels based upon branch attributes or add custom text
Mapping Tools
Confidential – Not for Redistribution 12
Net Interest Margin Analysis Page
For any bank, quickly see how changes in volume and rates impacted the income/expense on various types of investments, loans, deposits, and borrowings
Confidential – Not for Redistribution 13
CAMELS Indicators Page
Overview of the factors impacting the CAMELS score (i.e., Capital Adequacy, Asset Quality, Management, Earnings, Liquidity and Sensitivity)
Confidential – Not for Redistribution 14
Asset Quality Pages
Overview of the asset quality details for any bank. View asset quality via a single period or over several periods
Confidential – Not for Redistribution 15
Enforcement Actions
View all enforcements actions issued to depositories
Filter by general and specific enforcement action type as well as issue date, modification date, and termination date
See the actual enforcement action, if publicly available
View a complete listing of current and historical enforcement actions for an individual depository
Confidential – Not for Redistribution 16
FDIC-Assisted Transactions
View detailed information on both the winning bid and losing bids for FDIC-assisted deals
Information on all parties bidding for failed institutions helps you better understand competition for future FDIC deals
Also see details on failed entity at the time of failure, how it was resolved, and other relevant data, such as loss share details