PERFORMANCE RISK REPORT (PRR)
The S&B Performance Risk Report (“S&B PRR”) is an all-inclusive report of a bank’s performance and risk profile compared to our national benchmark group. The S&B PRR provides a bank with a thorough review of its balance sheet and income statement and provides national and state benchmark comparisons of essential KPIs, inclusive of five quarter trends, and national and state economic data.
A subscription to the S&B PRR provides you with the following valuable tools:
- Customized peer groups;
- Quarterly ALCO webcasts featuring Dr. Ed;
- One-on-one access to the analytic team;
- Performance Risk Essentials with competitor watch; and
- Collateral material for your board, management, and ALCO meetings.
PRICING
- $7,500 – Annual subscription pricing covers four (4) quarters, which includes S&B Competitor Watch
- $3,500 – Pricing for one (1) quarter
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PERFORMANCE RISK ESSENTIALS (PRE)
The Performance Risk Essentials (PRE) highlights some of the most important elements of our full Performance Risk Report. Additionally, the PRE includes the Competitor Watch, which provides the essential KPIs for up to three competitors along with their S&B risk and reward model results. View a Sample PRE.
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EXPOSURE
The Exposure Report gives a quick view of your bank’s key ratios including, the S&B Risk and Reward profile and historical income statement and balance sheet. The report also provides a dashboard that presents key performance ratios relative to an asset benchmark, helping identify strengths and weaknesses within the bank. This report can also be utilized to keep an eye on the bank’s sub-debt investments or a pre-purchase analysis.
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Quicksheet
The S&B Quicksheet is a one-page report highlighting a bank’s key performance figures compared to a peer group. The Quicksheet also includes the S&B Risk and Reward Profile to help the bank evaluate its risk vs. reward relationship. Want to go a little deeper? S&B can provide custom Quicksheets that drill down into the components of key performance indicators and individual areas of credit, capital, liquidity, and earnings at risk. An add-on to the Quicksheet is the Market Demographic Profile, where we map your branch network along with the S&B County Performance Score and several other demographic statistics.
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CAMELS EARLY WARNING
The CAMELS Early Warning is a higher level of due diligence that can be used as event triggers in capital planning and strategic planning. In addition to your bank’s CAMELS, we also provide our national and state economic risk indicators. These predictive indicators will also help your management team and directors monitor the impact of economic downturns to your bank.
All community bankers recognize the importance of bank examinations and the significance of the resulting CAMELS ratings. In an effort to obtain the optimal CAMELS score, we believe that community bankers and their directors need an independent early warning that will enable management to correct any deficiencies that could be revealed in the CAMELS ratings process. Furthermore, in the aftermath of the Financial Crisis and the enactment of the Dodd-Frank Wall Street Reform and Consumer Protection Act, community banks must be proactive at maintaining their ratings of 1 and 2 in all categories of CAMELS. If a bank declines below a 2 rating, the bank will face regulatory scrutiny and higher FDIC costs.
The model we utilize for the assessment of your bank's CAMELS is based on our experience with regulators and the OCC's Comptroller Handbook for Community Bank Supervision. More than 100 data points, trends, and weightings are combined to help you "think like a regulator." To illustrate the bank's results, we use a simple stoplight image with a green light indicating possible CAMELS ratings of 1 or 2, a yellow light suggesting a potential of a 3 CAMELS rating and a red light identifying a rating potential of greater than 3.
| Level | One-Time Rating | Annual Subscription* |
|---|---|---|
| S&B CAMELS EARLY WARNING REPORT (LEVEL 1) Current period quantitative assessment of the bank's risk position utilizing CAMELS-based analysis |
$250 | $750 |
| S&B CAMELS EARLY WARNING REPORT (LEVEL 2) The above as well as in-depth financial highlights and trending of past data |
$1,500 | $4,500 |
| S&B CAMELS EARLY WARNING REPORT (LEVEL 3) The above as well as a higher level of analysis based on management questionnaires and ALCO considerations |
Contact S&B for pricing 844.834.6795 |
Contact S&B for pricing 844.834.6795 |
*The annual subscription includes the initial report and three (3) quarterly reports thereafter.
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CREDIT SHOCK MODEL
The Credit Shock Model provides banks with the means to understand the impact of deteriorating credit markets to the bank’s capital levels. Similar to interest rate shock models, credit shocks can help management and board members to move from intuitive reaction to strategic thought. The model helps banks determine the adequacy of the bank’s capital level in various credit environments. S&B’s credit shock model serves to provide proof of due diligence with respect to potential losses at various severity levels.
The analysis reviews the industry’s recent and historical trends in ratios for noncurrent loans, net charge-offs, and the level of loan loss allowances. The review of these ratios is done in conjunction with past recessions, setting the stage to analyze the impact that an increased level of loan loss would have on the bank’s earnings, equity, and capital ratios.
The written analysis includes shock results for the following scenarios:
- Historical industry loss rates;
- 2009 Federal Reserve indicative loss rate to capital; and
- Well-capitalized stress test limits.
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CUSTOM ANALYTICS
S&B can help you with most analytical projects. From setting up templates to track ratios to analyzing why your institution leads or lags the benchmark, S&B can assist you. If you are looking to compile data on competitors or surveying your employees, we can help with that, too.
If you have a project you would like to start but do not have the time to dedicate to it, feel free to give us a call and we can help you complete that project.
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