Who Uses IDC Financial Publishing’s Ranks and Why?

Our Customers Many institutions rely on IDC Financial Publishing (IDCFP) CAMEL rankings to do business. This includes financial institutions that buy and sell brokered CDs, insurance companies, state and local governments, federal agencies, private companies, as well as individual banks, savings institutions and credit unions. Brokers trading certificates of deposit, registered investment…

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Negative Balance Sheet Cash Flow Leads to Liquidity Risk

Liquidity risk occurs when an institution’s loan delinquency exceeds 4% of its total loans and its balance sheet cash flow is substantially negative. Balance sheet cash flow is operating cash flow minus financial cash flow. Operating cash flow equals the annual change in retained earnings less the annual change in…

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High Leverage that Yields Negative Earnings Creates Risk

At IDC Financial Publishing (IDCFP), the acronym CAMEL represents the financial ratios we use to evaluate the safety and soundness of commercial banks, savings institutions and credit unions. The "E" component of our CAMEL Rating represents institutions with substantial negative earnings due to leverage. Banks with a low return from operations,…

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The Critical Margins Used to Measure Management in Banks

A Specific Category of Banks Creates a Superior Forecast At IDC Financial Publishing, (IDCFP), we focus on commercial and savings banks with brokered deposits as the best group of banks to analyze risk. Historically, institutions with brokered deposits* held the vast majority of all domestic liabilities and equity capital. This was…

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Determine Risk by Assessing Adequacy of Capital

A Specific Category of Banks Creates a Superior Forecast At IDC Financial Publishing, (IDCFP), we focus on commercial and savings banks with brokered deposits as the best group of banks to analyze risk. Historically, institutions with brokered deposits* held the vast majority of all domestic liabilities and equity capital. This was…

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