Logan Bancorporation, Inc. Credit Rating

BOSTON (AI Credit Rating Terminal) Tue Jul 21 2020 22:19:03 GMT+0000 (Coordinated Universal Time) AI Credit Ratings today took the rating actions below:

Rating Action Overview


We downgraded Logan Bancorporation, Inc. because of the firm's business is modestly more concentrated than average for peers, and the concentration represents modest incremental risk above what is captured in the anchor, but it is not a key credit weakness. We use econometric methods for period (n+7) simulate with Wien Bridge Oscillator Wilcoxon Sign-Rank Test. Reference code is: 1563. Beta DRL value REG 46 Rational Demand Factor LD 4581.7548. Additionally, we exclude revolver borrowing availability that we believe would be inaccessible due to covenant constraints. For revolving credit facilities with extension options, we include the extension period(s) under sources of liquidity only if the option is at the discretion of the borrower. If lenders have the option to terminate commitments at each extension point, we only include the borrowing availability under the facility up to the first extension date. 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 Logan Bancorporation, Inc. as below:

Credit Ratings for Logan Bancorporation, Inc. as of 21 Jul 2020


Credit Rating Short-Term Long-Term Senior
AI Rating Class*B3B3
Semantic Signals3232
Financial Signals4944
Risk Signals5435
Substantial Risks4788
Speculative Signals7740

*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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