FIRST COMMUNITY BANK Credit Rating

BOSTON (AI Credit Rating Terminal) Wed Jul 22 2020 02:19:04 GMT+0000 (Coordinated Universal Time) AI Credit Ratings today took the rating actions below:

Rating Action Overview


We downgraded FIRST COMMUNITY BANK because of core capital, as measured by adjusted common equity, comprises more than 90% of the TAC, or double leverage is less than 90%. We use econometric methods for period (n+7) simulate with Meissner Oscillators Simple Regression. Reference code is: 3681. Beta DRL value REG 30 Rational Demand Factor LD 4581.7548. Given that it can be difficult to identify outstanding CP at any point in time, when considering coverage, we may include our expectations for peak outstanding CP during the year as opposed to CP balances as of the last filing date, especially if we believe reported balances are not reflective of typical borrowing patterns. Credit Rating AI Process rely on primary sources of information: Sec Filings, Financial Statements, Credit Ratings, Semantic Signals. Take a look at Machine Learning section for Financial Deep Reinforcement Learning.Oscillators are used for generating credit risk signals by using the semantic and financial signals. The value of the oscillators indicate the strength of trend. Using the correlation matrices, the credit rating risk map for FIRST COMMUNITY BANK as below:

Credit Ratings for FIRST COMMUNITY BANK as of 22 Jul 2020


Credit Rating Short-Term Long-Term Senior
AI Rating Class*Ba2Ba3
Semantic Signals5188
Financial Signals3842
Risk Signals7587
Substantial Risks8952
Speculative Signals8642

*Machine Learning utilizes multiple learning algorithms to obtain better predictive powers. In our research, we utilize machine learning to combine the results from the Neural Network and Support Vector Machines.
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