LAKESIDE BANK Credit Rating

BOSTON (AI Credit Rating Terminal) Thu Jul 23 2020 21:19:03 GMT+0000 (Coordinated Universal Time) AI Credit Ratings today took the rating actions below:

Rating Action Overview


We downgraded LAKESIDE BANK because of business mix, revenue stability, market position, and customer base (confidence sensitivity of clients and other outside commercial parties). In situations where profitability has a material negative impact on market position, this may limit the assessment. We use econometric methods for period (n+7) simulate with Dynatron Oscillators Chi-Square. Reference code is: 4988. Beta DRL value REG 44 Rational Demand Factor LD 4456.0992. Given that we exclude proposed "best efforts" or potential financings as a source of liquidity, we also exclude from uses of liquidity acquisitions and other discretionary spending that are contingent on the successful issuance of new financing to support the proposed transaction. 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 LAKESIDE BANK as below:

Credit Ratings for LAKESIDE BANK as of 23 Jul 2020


Credit Rating Short-Term Long-Term Senior
AI Rating Class*Baa2B2
Semantic Signals7536
Financial Signals8275
Risk Signals8844
Substantial Risks4038
Speculative Signals8075

*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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