1. Who Uses IDC’s Rankings and why?
IDC Financial Publishing, Inc. (IDC) is the nation’s prime
source of financial institution quality rankings. Individual
institutions rely on IDC’s data when evaluating their
institution’s safety and soundness, as well as, performance in
relation to their peers. In addition, IDC’s ranking system can
assist management in setting goals to improve quality
through its supplemental peer group listings.

2. Fannie Mae, Freddie Mac, Ginnie Mae, the Federal Reserve
and the Federal Home Loan Banks, along with many states
and municipalities, as well as the vast majority of brokers
issuing or trading bank certificates of deposit, or firms
assisting financial institutions raising deposits, use IDC’s
ranks to assess potential financial relationships. Private
companies, individual investors, and insurance companies,
to name a few, also rely on IDC’s timely information.

3. IDC, as a financial institution rating service, provides a
thorough analysis of financial ratios with a one-number
summary rating (on a scale of 1 to 300, with 300 the top rank
attainable) computed for each financial institution in the
country that reports to agencies of the Federal government.
This summary rank allows simple and direct comparison of any
bank, savings institution, or credit union with any (or all)
others, in terms of financial safety and soundness. The IDC
rank is important for at-a-glance assessment. More
importantly, we give you the ability to determine why things
are going well...or not so well. And that information is
contained in each of the ratios that comprise the overall
ranking. The ratios help explain the financial institution's
strength and weaknesses and their impact on the summary
rating.

4. Since 1989, bank and savings institution failures, excluding
failed institutions due to fraud, small failed banks under $5
million assets, and bank holding company failures, totaled
1,410 institutions. Of this total, 99% were ranked below "75"
(Lowest Ratios) in the quarter prior to failure, a strong
indication of the reliability of IDC's rating process.
Bank, Savings Institution, and Credit Union ratings and
supporting financial ratios can be analyzed in a data base, in a
management review for a single institution, in peer groups, by
region of the country, or through history of a financial
institution (see Products on our website at www.idcfp.com).

5. IDC also offers specialized rating services to subscribers who
have access to IDC’s qualified analysts when questions arise
concerning ratings or methodology. The subscriber may know
of unique circumstances for an institution that are not
reflected in the standard regulatory reporting, circumstances
which could change the methodology used for the financial
institution in that particular situation.
IDC is going ONLINE! IDC Financial Publishing, Inc. is excited
about the launch of its online platform for presenting the IDC
Rank of Financial Ratios and the CAMEL Analysis. Over 13,000
institutions will be readily available with rank, financial ratios,
and commentary… all with a CAMEL Analysis.