Effective January 1, 2013, Section 939A of the Dodd-Frank Wall Street Reform and Consumer Protection Law becomes applicable to all banks.  The regulatory agencies (i.e. Fed, OCC, FDIC and Federal Reserve) and the institutions under their supervision will be required to monitor and manage their investment assets without regard to ratings.

North by Northwest Capital Qualitative Risk Rating™: The North by Northwest Capital Qualitative Risk Rating™ is a service which combines measurements of a municipal bond’s structural soundness with the fiscal and economic performance of an issuer. The result is a single numerical index, which clients utilize to compare municipal bonds from issuers across the country and to track changes in a municipal bond’s risk profile over time.

Community Bank Municipal Analytics (CBMA): CBMA is a service, designed and crafted around OCC 2012-18, which provides ongoing qualitative and quantitative municipal credit risk review and monitoring.  Clients receive written credit reviews and all supporting documents, organized into credit files on a DVD.  All of the bank’s municipal bond information is available on your computer desktop.  When an exam is pending, we will provide additional copies of the disk for the regulators.  No downloading, no organizing, everything is there on one disk.

CBMA-Tried and Tested: Our Clients have been through numerous regulatory exams, including OCC, FDIC and State exams, and have all received positive feedback on the banks’ municipal portfolio due diligence.  By utilizing an independent firm, which specializes in municipal credit review, banks have found that our service provides a great value-at a fraction of the cost of what has been reported by many industry publications.  Less time with examiners translates to more time to invest in other profitable endeavors.  Don’t just take our word for it, ask our clients.

See Community Bank Municipal Analytics For Yourself: No one would expect you to purchase a car without taking it for a test drive.  So, why not take CBMA for a “test drive” and compare it to any other municipal review service?  Call or send us two or three CUSIPs of municipal securities in your portfolio and we will prepare a complete municipal credit analysis, including all supporting documentation/credit file for your review.  See actual securities you own and compare CBMA with any other municipal review service for quality of information, depth of supporting documentation, ease of use and cost.