Click to Login

How is Capitalytics a Business Intelligence Company If It Just Graphs Call Report Data? (Hint: That's Not Close To All It Does)

Sun Jan 29, 2012

Over the past four years that we have been talking with bankers, we have realized that banking is a business that is intrinsically linked to the ebbs and flows of a community. Successful bankers have been key focal points of their respective communities, whether they are the CEO of a $100 million bank, or the local President of a multi-billion dollar bank.

As such, we realized early that simply collecting FDIC call report data would not shed enough new light on a banker's questions about his/her business to be useful. Since our objective has always been to generate value for bankers in the form of actionable intelligence, mining as much information as possible about a local community and other relevant data, including knowledge about competitors that is presented in call reports, was something that we have always done.

For instance,

  1. Capitalytics collects localized employment, housing, labor force, and wage data (among other data) from the Bureau of Labor Statistics, Federal Reserve, FFIEC, and Bureau of Economic Analysis on a monthly basis; and the number of employers per business sector & size of employers from Cornell University.
  2. Capitalytics collects localized race, ethnic, rental, and age information from the FFIEC, and extrapolate short-term trends based on the history of an area.
  3. Capitalytics collects census tract data from the Census Bureau, and interpolates appropriate information based on information from the University of Missouri.
  4. Branch office and branch deposit information is provided by the FDIC, FFIEC, and geocoding is available from the University of Southern California.

In addition to these metrics,

  1. Capitalytics regularly collects swap curve rates, and rates for borrowing funds from the Federal Reserve Bureau.
  2. Yield curve data is collected from econstats.com on a weekly basis.
  3. Capitalytics collects the costs of several different commodoties which serve as economic predictors on a weekly basis.
  4. Aggregated business permits are collected from the Bureau of Labor Statistics regularly.

And what does Capitalytics do with this data? Other than basic line graphs and balance sheets that we can provide to banks, we also ...
  • Generate localized household data, including composition, work force, and average income
  • Project growth rates for areas, both within a bank's footprint, as well as adjacent areas to identify areas of expansion or contraction
  • Identify predictors that relate to a bank's deposits and late loan payments to help your bank expect what the future brings
  • Run detailed portfolio simulations, accounting for expected market rate changes, to anticipate cash flows, derive interest rate and liquidity risk, and recommend instruments to purchase or divest
  • Run custom reports, and account for localized conditions in projecting the performance of specific branches, or other organization units

Capitalytics is much more than simply a website for graphing call report data, and we are prepared to help your bank maximize its options and information resources. Contact Capitalytics now to see how we can help your bank.