LYONS NATIONAL BANK Credit Rating

BOSTON (AI Credit Rating Terminal) Thu Jul 23 2020 12:19:02 GMT+0000 (Coordinated Universal Time) AI Credit Ratings today took the rating actions below:

Rating Action Overview


We downgraded LYONS NATIONAL BANK because of deduct goodwill and nonservicing intangibles. We use econometric methods for period (n+1) simulate with OCL Independent T-Test. Reference code is: 2902. Beta DRL value REG 29 Rational Demand Factor LD 4611.3606. Given the earnings volatility companies experience, we have specified for these issuers a more stringent decline in EBITDA percentage for each liquidity category to the extent our cash flow forecasts are not already assuming a downside scenario. 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 LYONS NATIONAL BANK as below:

Credit Ratings for LYONS NATIONAL BANK as of 23 Jul 2020


Credit Rating Short-Term Long-Term Senior
AI Rating Class*B3B2
Semantic Signals4080
Financial Signals4144
Risk Signals6850
Substantial Risks6649
Speculative Signals3435

*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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