"What we like most about FIS is their ability to integrate seamlessly with our existing infrastructure and deliver the highest level of data integrity."  

• Purchase Custom Reports  - If purchasing your own FISAnalyst software system is more than you need.  Order custom reports from FIS.  Reports start at $500.  Contact FIS 512-858-0164
  
  Accuracy of the data  At FIS, nothing is more important than the quality of the data.  FIS data products are edited for changes several weeks in advance of delivery by the regulators.  Upon arrival of the data, it is thoroughly scrubbed and once again edited.  Then each product undergoes a battery of tests to uncover and correct any hidden errors.  
  
  The most popular Bank Rating 
  
                    FIS Bank Ratings
  

  
  The composite FIS Bank ratings are comprised of four components: Liquidity, Asset Quality, Capital adequacy, and Earnings. The overall rating is determined by weighting the individual component ratings.  The best score that can be achieved is 1 and the worst score is 5.
  
  For banks, the weights are as follows:
  
  

                  Liquidity                                                                 10%
                  Asset quality                                                          30%

                  Capital adequacy                                                   30%

                  Earnings                                                                 30%

   

  Ratings are rounded to two decimal points.

   

  Conversion of Calculation to 100 scale:  100-((FIS Rating)-1)*25)

   

   

  Banks - Liquidity

  Liquidity is determined using three categories:
  

  
                  Quick Ratio                                                            

                  Unpledged securities as a % of assets                      

                  Core deposits as a % of assets                                

   

   

  Banks - Asset Quality:

  Asset quality is determined using four categories:

   

                  High risk loans as a % of total loans                         

                  Loan loss allowance as a % of nonperforming

                     loans plus restructured loans                                     

                  Non-performing assets as a % of total assets            

                            Non-performing loans plus restructured
                     loans as a % of total loans                                         

   

   

  Banks Capital Adequacy:

  Capital adequacy for banks is determined using three categories:

    

                  Nonperforming loans plus restructured loans/

                     Core capital plus loan loss allowance                          

                  Tangible equity capital as a % of tangible assets            

                  Tangible equity capital as a % of tangible assets,

                   adjusted for loss allowance excess (deficiency)            

  
  Banks - Earnings:

  Earnings for banks is determined using two categories:

   

                  Core return on average equity                                        

                  Efficiency ratio                                                            

  
  FIS DATA:
  
  
  • 40 consecutive quarters of historical data - No other vendor comes close to that.  Full financial Call Report data and more!  
              
  • Performance Ratios - Each product has numerous ratios  which are automatically calculated for every institution,  including merged and custom peer institutions.  They are then assembled by the following categories, making them easy to find: Asset Quality, Earnings, Capital, and Liquidity.
    
  • Contact Names  Titles and names along with  street address and mailing address.  Everything you need to populate your Salesforce database or to do a mailing.
    
  • Financial Data  Expressed as both quarter only and year to date for income statement items.  All dollars are in thousands.
    
  • Unmerged historical data - FIS has the only true unmerged data source for real life historical comparisons. Use our merge feature if you need to combine historical data. All institutions are in the database historically just as they were when the reports were filed.
    
  • Integrated database  The FIS Excel Add-in combines different institution types into a single spreadsheet.
    
  • Custom Ratios - New ratios or line items can be added that will then become available for use in all areas of the application, including searches, sorting, reports, etc. There is no limit on the number of custom ratios that can be created.
    
  • Charts - All products contain pre-defined charts and graphs. Creating new graphs is as simple as selecting the line items of interest and clicking the chart buttons. Once a new chart is created, it is automatically available for all other institutions. The chart images are saved as individual JPEG files for easy export into Power Point. Just copy and paste.
    
  • Links - Direct internet links for each institution:
    • SEC filings
    • Uniform Bank Performance Reports
    • Yahoo and NASDAQ stock information
    • Institution home page
    • State and County demographics
    • Organization Hierarchy
    • Merger History
    • Location Maps
    • Branches and Deposit listings
    • Press releases

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