Monthly Archives: April 2015

Historic average bank operating metrics

A historical perspective can be valuable when trying to place a bank into context.  We all know that rates are lower than they’ve been in decades, but are banks any less profitable?

We decided to put together 10 years of historical bank stats as a way to gain a perspective on where banks current stand.  (A link to download the spreadsheet is below)

From this data we built a few charts shown below.  The most interesting chart is one showing bank funding cost, yield on earning assets and net interest margin.  As rates have declined the earning yield on assets has declined slower than what banks have paid to depositors.  This has resulted in a lower overall net interest margin, but not as low as some would expect.  Bank average NIM peaked at 4.18% in 2005 and as of 2014 stood at 3.7%.  As rates have fallen to zero the average NIM only fell 11%.

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Another interesting chart is of bank capital:

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Why is this chart interesting?  Because it’s hard to find the financial crisis on the chart.  Bank capital has remained mostly steady since 2004.  This is average bank capital across all banks, and yes, there were bank failures.  But as an industry banking has remained fairly steady since 2004.  Certain segments of the banking industry are holding more capital now compared to in the past, but as a whole the industry is fairly stable.

If you’re interested in digging into this data we’ve provided a link to download the entire spreadsheet with raw data below.

Download the spreadsheet: CompleteBankData_BankingStats_Annual

Drilling down into bank details

“The devil is in the details”

A lot can be gleamed by looking at summary level information for a bank, but to truly understand a bank one must dive into the details.  Fortunately CompleteBankData provides information on over 2,000 individual financial metrics that are easy to access and use.

In this email we’re going to walk through how to investigate granular loan details for a given bank.

Navigate to the Details page by clicking Details on the menu bar.  Then click the Actions menu and select Find Bank or Holding Company.  On the Find Bank or Holding Company dialog box enter “Allegheny” and click Find.  Select “Allegheny Valley Bank of Pittsburgh” and click OK.

You will be shown the screen below:Screen Shot 2015-04-07 at 4.08.48 PM

This is the main detail page.  At the top you will see the stock price if the bank is traded.  At the top right is a drop down menu displaying that you’re on the Summary page.  The left side contains relevant operating and market statistics (if the bank is traded).  If you scroll down you’ll see an income statement summary, balance sheet summary and loan summary table.

Click the drop down that’s labeled Summary.  Then select Loans.

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This will take you to the detailed loans page.

Screen Shot 2015-04-07 at 4.12.11 PMAt the top of the page are graphs showing the trend of the banks different types of loans.  Below the graphs are various financial tables showing the bank’s loan breakdown.

If you click on the green arrow next to the title you will be presented with a menu allowing you to change the perspective of the table.  Financial data tables can display data in a quarterly format, or annual format.  Additionally all data tables can be exported to Excel.

When looking at Allegheny Valley Bank of Pittsburgh we notice that their loans have grown from $214m in Q4 of 2012 to $237m in Q4 2014.  Further investigation shows that they have no agricultural lending, farmland lending, or lending to foreign depository institutions (foreign banks).

For example let’s assume we like the look of the loan book but are worried about asset quality.  On the drop down menu at the top right of the screen select Asset Quality.

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The bank’s non-current loans to loans looks fairly low indicating a quality loan book.

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Selecting other pages in the drop down menu yields similar details for other aspects for the bank.

If you’re interested in more information, or interested in a webinar on how to analyze banks please contact us:

email: info@completebankdata.com   phone: (866)591-8315

 

Customized reporting

Looking for custom reports, historical data feeds or API access?  CompleteBankData has you covered with a number of different ways to access our data and incorporate it into your systems.

If you’re interested in any custom reporting please contact us so we can discuss your specific needs.

Email: info@completebankdata.com    Phone: (866)591-8315

Custom Reporting

You probably have a number of custom Excel reports filled with formulas and formatting that you painstakingly crafted.  Getting data into these worksheets is unfortunately a manual process.  We can take your custom Excel templates and populate them with our data, automatically, and on-demand.

We configure our system to work with your template and add it to a list of custom reports you have access to via the My Banks page.

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API Access

We built CompleteBankData with scalability and expandability in mind.  The user interface and data warehouse are connected via our own API, the same API we make available to customers.

We have API endpoints for bank details as well as searching and storing bank information.  API endpoints can be tailored to your needs.  Our API includes an authentication mechanism and is secured by SSL.

If you have an application that would benefit from the inclusion of bank data you are probably a candidate for API access.

Historic Data Feeds

Want a set of fields for all banks dating back to 2003? Or maybe all bank data for all banks?  Our database is a point-in-time system perfect for data mining or historic quant strategy testing.  We can provide historic data tailored to exactly what you want.  Feeds are proprietary to your firm and customized to include only the data you need.

Exporting data to Excel from CompleteBankData

A natural question when looking at our database is “where does all this data come from?”  The thought of calling 6,000+ banks and manually inputting thousands of pieces of data is overwhelming, but thankfully that’s not what we have to do.  We pull our data straight from three sources, the FDIC Call Reports, Federal Reserve holding company reports, and SEC filings.

All US banks are required to file FDIC Call Reports and holding company reports quarterly (bi-yearly for small holding companies).  These reports are great at capturing information for regulators in a format regulators can use.  But they’re not as useful for investors or bankers, or really anyone who is familiar with financial statements.

We aggregate, standardize, format and then create custom metrics from the regulatory data. But we don’t just display the data better we also provide a set of tools that allows finding, comparing and manipulating the data easier.

Exporting to excel

Viewing data on a screen is great, but there is nothing like having the numbers in front of you and being able to manipulate them in Excel.  Like all of our system we provide fine grained control of Excel exports allowing you to export everything from a single table all the way up to every piece of data we have on a bank or holding company in a single spreadsheet.

Exporting a table

The smallest amount of data that can be exported is a single data table.  Every data table in CompleteBankData is exportable.  To export click on the green arrow next to the table’s title.  A menu will appear giving the option of downloading that table to Excel.

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Exporting a bank or holding company

If you need more than a single table worth of data exporting either a summary or full bank detail is appropriate.  A summary export only includes the data tables shown on the Summary page for a bank or holding company.  These tables include, income statement summary, balance sheet summary, loan summary.  A full download includes all tables for the selected bank from all sub-pages.

On the bank’s Summary page click the green Actions menu.  A dropdown menu will appear with two options: Download Summary to Excel and Download All Details to Excel.  Select either of these options to export into Excel.

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Exporting a set of banks compared to each other

At times it’s helpful to compare banks against each other, or manipulate a given metric over a variety of banks.  CompleteBankData makes this possible by enabling users to export comparison results to Excel.

Anywhere in the application where a bank name is listed you have the ability to add that bank to the Compare page.  From any of these menus select Send to Compare.  The graphic below shows the menu in the search results.  The Send to Compare link is also available on bank detail pages and the My Banks page.

Select Send to Compare to add a bank to the Compare page.

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Alternatively you can add a bank directly to the Compare page by clicking the green actions menu and selecting Find.

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After you are satisfied with the set of banks you’d like to compare select the green Actions menu again to add additional fields to compare against.

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Your comparison screen show look similar to the following picture.  The only limit on the number of banks or fields that can be added to this page is your imagination.Capture05

When you are satisfied with your custom comparison set click the Download Results link in the upper right hand corner of the screen.  This will initiate the export to Excel.

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Shown below is a picture of our custom comparison set in Excel.Capture08

 

If you have any questions or would like further information please contact us.