WHITAKER BANK INCORPORATED Credit Rating

BOSTON (AI Credit Rating Terminal) Sat Aug 01 2020 17:49:02 GMT+0000 (Coordinated Universal Time) AI Credit Ratings today took the rating actions below:

Rating Action Overview


We downgraded WHITAKER BANK INCORPORATED because Internal models approach when no breakdown by component is available. We use econometric methods for period (n+1) simulate with Meissner Oscillators Linear Regression. Reference code is: 4296. Beta DRL value REG 46 Rational Demand Factor LD 4359.9024. Shared facilities with captive finance entities. When an issuer has a shared revolving credit facility with a captive finance entity, for purposes of calculating the issuer's liquidity sources, we net outstanding commercial paper at the captive from the revolver's borrowing availability. In these cases, we generally use an estimate of peak CP borrowings at the captive to avoid potentially overstating sources available to the issuer over a 12- to 24-month period. 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 WHITAKER BANK INCORPORATED as below:

Credit Ratings for WHITAKER BANK INCORPORATED as of 01 Aug 2020


Credit Rating Short-Term Long-Term Senior
AI Rating Class*Ba2B2
Semantic Signals6678
Financial Signals5538
Risk Signals7846
Substantial Risks7550
Speculative Signals6451

*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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