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    The Credit Crisis has a "Prime Solution"
    Helping shift the real economy's assets from bad to good financial foundations.

    Looking for Bank Ratings? IRABankRatings.com
    Are you an A+ or an F?


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    There is a "Prime Solution" to the Credit Crisis

    What we've heard is a new goverance critieria being considered by corporations, municipalities and foundations, "Placements of large deposits or capital investments with depository institutions shall weight the bulk of such placements in institutions with Bank Stress Indices at or below the current industry stress average. This governance policy shall apply to both direct or brokered placements and shall be monitoried and adjusted quarterly."

    "Most of the banks in the US are not broke, not in trouble, but they don't trust each other because they don't know which banks are bad. We've got to get the bad ones out."
    - William Seidman


    Find them!
    Click Here to take a peek at IRA's powerful bank search tool.


    Banking Factoids
    *IRA subscribers can examine data on individual institutions. Refresh page to see another factoid.
    1st Quarter of 2009 Bank Stress
    Average Bank Industry Stress Rose to 2.36
    Up 33% from 4Q2008.



    Banks People are Looking At
    activity surveyed from IRA's servers

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    IRA's Letter Grading System
    A+ Overall Bank Stress less than 1995 1.0 index baseline. Banks with this grade tend to exhibit stong metrics across the board.
    A Stress slightly less than the industry average. Bank business practices are much more varied than people realize. Institutions in this category exhibit business model choices that allow them to operate with improved cushion against current systemic threats.
    Average Industry Stress Index Breakpoint.
    B Stress slightly above the industry average. These banks begin to show sensitivity to systemic stresses but still have a business model that offers a some degree of flexibility to resist crisis forces.
    C Stress levels moderately above industry average. In these banks, one or more key metric areas begin to show degradation(s) indicating a need for active attention by officers and directors.
    D Stress indicators well above the industry average. These institutions tend to show significant degradation in one or more of the key areas of measurement. Concern has likely begun to garner the attention of parties outside the bank.
    F Stress levels at the extreme range above industry average. At this degree of stress, one or more of the key elements of the business model has reached failure mode. What concerns exist are probably already public.
    Factors included,
    • Profitability
    • Lending Default Experience
    • Capital Adequacy
    • Loan and Unused Commitment Exposure
    • Operational Efficiency
    brought together into a overall index where the average on December 31, 1995 = 1.0. Grading is based on a census of active FDIC reporting institutions.



    Latest IRA News
    May 26, 2009
    IRA to Participate in UCLA Anderson Event: "CAPITAL MARKETS IN CRISIS" IRA to Participate in UCLA Anderson Event: "CAPITAL MARKETS IN CRISIS"

    On June 9, 2009, IRA CEO Dennis Santiago will be participating in a panel presentation and discussion sponsored by the UCLA Anderson Alumni Network. The event will be held at the UCI Faculty Club in Irvine, CA, from 6:30-9:00 PM. For more information or to register, please go to: http://alumni.anderson.ucla.edu/events/details.aspx?itemnbr=2089

    Moderator & Featured Speaker

    Professor Michael Intriligator - Professor of Economics at the University of California, Los Angeles (UCLA) where he is also Professor of Political Science, Professor of Public Policy in the School of Public Affairs, and Co-Director of the Jacob Marschak Interdisciplinary Colloquium on Mathematics in the Behavioral Sciences. He is also a Senior Fellow of the Milken Institute.

    Panelists include:

    Caroline Harkins - Market President - Irwin Union Bank. 2005 to present a prior Caroline was senior vice president at Comerica Bank between 2002 to 2005 and Regional Vice President of Imperial Bank 1992 to 2002. She holds a degree from Colgate University.

    Lisa Hayes - Certified Mortgage Planning Specialist - Bank of America, Mortgages. Residential Mortgage Banking expert specializing in creative financing solutions for affluent and self-employed individuals. Degree from Stephen F. Austin State University.

    Maneesh Goyal - Senior Associate at Miramar Venture Partners. Works with Miramar portfolio companies identifying growth drivers and evaluates prospective investment opportunities. He holds degrees from Worcester Polytechnic Institute and University of Southern California. He also holds an MBA from UCLA Anderson School of Management where he was a Deutschman Venture Fellow.

    Dennis Santiago - CEO of Institutional Risk Analytics. Mr. Santiago runs a privately-held firm in the financial services industry. Co-founder responsible for general operations and manager of IRA's consulting services. Head of Research and architecture of IRA's Bank Monitor and Corporate Monitor analytics product lines. Dennis is currently quoted in the May 11th Issue of Barron's magazine. He is a 1991 graduate of UCLA Anderson School of Management.

    Mark E. Simmons - President & CEO of Commerce National Bank. Mr. Simmons has a long and distinguished career in the banking industry which includes Marine National Bank and Security Pacific National Bank.

    Chris Britt - Founding partner of Marwit Capital. Mr Britt was one of two Managing Partners responsible for the firm's origination, execution, and harvesting of middle market buyouts, recapitalizations, and growth investments. Britt holds a BA in Economics from Stanford University and an MBA in Finance and Entrepreneurial Studies from the UCLA Anderson School of Management.

    Questions? Comments? info@institutionalriskanalytics.com


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