Professional IRA Bank Monitor For Regulators, Program Compliance Officers, Insurers and M&A Analysis Users
Includes IRA's "Shadow" CAMELS, Multi-Period Reports, Advanced Scenario Stress Analytics, Raw Data Downloads for FDIC, Fed & NCUA, IRA's BankWire and Analyst articles. Learn More
IRABankRatings.com Unlimited-Use Subscription For Corporate Treasurers, Bankers and Credit Union Operators, Industry Vendors, Portfolio Managers
Designed for monitoring investment and counterparty portfolios to support risk monitoring and allocation processes. Covers all U.S. banks and credit unions. Used by community bankers for marketing and to monitor competitors. Learn More
IRABankRatings.com Shopping Cart For Individual Depositors, Registered Investment Advisors
Know the current risk and stress condition of your bank or credit union. Purchase individual reports using an internet shopping cart. See the same reports a corporate users. Learn More
IRA Banking Industry Fact Sheet
Quickly get an overview of the banking industry. See the trends in industry health over time. What proportion of the industry is stressed? What service segments of the industry are improving and which remain stagnant? This is a popular page to check right after the FDIC releases their quarterly findings.
"Move Your Money"
One of the most important tools we have assembled for empowering people to alter their relationship to banking in America. IRA proudly contributes this FREE tool for public education purposes as part of our commitment to social responsibility.
IRA SEC Filings Catalog There are over 40,000 SEC Registrants that submit financial filings. This tool is designed to steamline getting to all of them. Requires a registered account ID (it activates a cookie) to use the full features.
Our online glossary. If you find a term in our reports you need added to the glossary please email us. There are thousands of variables and analysis constructs in our database and we are constantly seeking to illustrate them better.
More IRA Paid Services
IRA Analyst Newsletter Library Service
Over four hundred (400) IRA Analyst Newsletter articles have been written documenting the last decade of financial risk. These articles are available as part of a library service.
Raw Data Download Service
Designed specifically for portfolio analysts, brokerage reseachers, insurance analysts, auditors, advisory services. This service allows you to quickly cherry pick any variable from the FDIC CALL/TFR's, Federal Reserve Y9C's and NCUA 5300 Reports. Thousands of variables.
Enterprise and Redistributable Feed Services
Institutional Risk Analytics owns and originates bank risk and ratings information avaliable for supply to entreprise clients with redistribution rights. Feeds are transmitted in standard machine-to-machine format and are avaliable as bulk feed and item on demand.
The IRA Analyst Newsletter
The IRA Analyst Newsletter has been in publication since 2003. It has been on the often uncomforable leading edge of banking and finance for almost a decade. If you want to read what other thought leaders are reading, this is it.
NEW JERSEY, June 17, 2013 – Total Bank Solutions, LLC (“TBS”), Hackensack, NJ, has acquired Institutional Risk Analytics (“IRA”), a unit of Lord, Whalen LLC (“LW”), Los Angeles, CA. The transaction includes the family of IRA retail and institutional Bank Monitor ratings and analytics products.
IRA CEO Dennis Santiago has joined TBS as Director, Bank Monitor, with overall responsibility for the Bank Monitor program. IRA co-founder Christopher Whalen will serve as an adviser to TBS.
“We are very excited about the opportunity to make the IRA Bank Monitor the pre-eminent bank analytical product in the financial industry. The importance of monitoring banks for safety and soundness is paramount to our clients and these services protect the integrity of our FDIC Insured Deposit Program,” said Eric Pierce, managing partner of Total Bank Solutions. He added, “The firm will use these powerful tools to build and deepen our relationships with depositories and customers alike.”
LW will retain ownership of The Institutional Risk Analyst newsletter as well as the non-bank products and intellectual property, such as the Corporate Monitor, SEC Filings Catalog and news robot.
“The partnering of TBS and IRA creates a compelling solution for banks and their customers to understand the risks in the banking market,” notes Santiago. “We believe that this transaction will enable us to grow the user base for the Bank Monitor among both retail bank customers and institutional audiences.”
About Total Bank Solutions
Total Bank Solutions is the leading provider of customized solutions clients can trust to build their deposit base and enhance profitability. TBS enables financial intermediaries to provide the extended FDIC insurance individuals, municipalities and corporations seek in today's environment. The firm provides innovative, customized deposit management solutions which are built upon strategic partnerships with strong financial institutions, proven proprietary processes and flexible pricing. TBS serves a large client base including Deutsche Bank Trust Company Americas and other bank partners. Learn more at www.totalbanksolutions.com
About Institutional Risk Analytics
IRA is a provider of bank ratings, custom analytics and consulting services for credit officers, auditors, corporate lenders, regulators, investment managers and other decision makers. IRA publishes standardized quarterly benchmarks, ratings and soundness metrics covering both U.S. banking institutions and credit unions. Learn more at www.institutionalriskanalytics.com
Media Contact: Ronda Feldman, Managing Partner, Total Bank Solutions: RFeldman@totalbanksolutions.com
Latest Company News IRA Activates Qualitative Commenting on Sensitivity to Market Risk in All Version of the IRA Bank Monitor November 16, 2012
IRA continuously assesses and adapts our analysis and reporting engine as part of our effort to stay abreast of an ever evolving U.S. economy. Users of the IRA Bank Monitor received a number of in-line upgrades to the reports appearing in their subscriptions earlier this week. We have added another one.
IRA has activated qualitative indications to show whether banks are SUPERIOR, AVERAGE, or INFERIOR with respect to their asset class peers with regards to their preparedness to absorb market risks; more specifically, interest rate and/or other systemic economic scenario risks. These are a group of risk measurements indicating the ability of a bank to absorb external shocks by either building buffers against or pruning exposures to such shocks. These old Basel One era risk measures have been relatively benign for a number of years but changes in the forces surrounding the economy now seem to make it prudent that IRA's Bank Monitor begin tracking the positioning of banks to maintain these buffers in good order in case they are needed. These measures augment IRA's Basel III Capital testing and Basel II Op Risk testing modules.
This upgrade appears in all versions of the IRA Bank Monitor including the Professional IRA Bank Monitor, the IRABankRatings.com Unlimited-Use subscription service, and the IRABankRatings.com Shopping Cart.
Inline Upgrades to the IRA Bank Monitor November 14, 2012
Institutional Risk Analytics continuously updates our reports to to keep pace with changing business decision needs of our customers. We have added the following new reporting items to our standard reports,
Simple Liquidity Test
This is a simple ratio cash, coin and cash equivalents to total deposits that several of you have been asking for. It gives a simplistic estimate of the bank's ability to pay demand depositors in the event of a run on deposits. This is a rather old measure going back to the bank runs of the 1930's. We of course also display a short term Acid Test which is more relevant to vendors and creditors as well an Asset-Liability test based on two illustrative stress scenarios to help counterparties assess the safety of their assets.
Derivative Leverage Analysis
This new test computes the leverage ratio of the notional to fair value envelope for traded derivatives at a bank. It augments IRA's unrealized loss cushion test that reports on how much of the bank's derivatives need to be lost to burn through the instituions risk based capital.
Subsidiaries Lists for Bank Holding Companies
This list always appeared in the Professional version of our product but was inadvertently omitted from the IRABankRatings.com display version. It has been added back. For our IRABankRatings.com Unlimited-Use customers, you can click on each of the subsidiaries to immediately open up a view on these certificate units. No more hunting around particularly for those BHC's whose subsidiary names bear little resemblance ot the parent's name.
For Professional IRA Bank Monitor subscribers, we have also added the following:
Raw Data Tools
All Professional product subscribers now have access to IRA's raw "data to the desktop" tool that will deliver data extracts from FDIC Call Reports, Federal Reserve Y9C's and NCUA 5300 Reports in HTML, Excel or XML.
We have updated the Basel Report in our Professional system to show historical compliance with Basel III capital requirements minima. The Basel III report section also includes repoting on the U.S. capital requirements tests. Basel II measurements continue to include performance tracking calculations on Loss Experience, Loss Given Default, Weighted Maturiity and Exposure at Default computations.
Performance Matrices with Extended Lookback
Professional services users now have one-click options to extend performance table reports on banks with up to ten (10) years historical reports computed quartertly. One additional click dumps it to your Excel speadsheet.
Bank Stress Ratings - Advisory Services - Enterprise Tools
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Institutional Risk Analytics 371 Van Ness Way, Suite 110 Torrance, California 90501
Tel: 310-676-3300 Fax: 310-943-1570
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