Do you have the right information?
Is it organized to facilitate management decisions?
The information created from public records and data developed
by Market ID is designed for sale as separate products that do not require the
purchase of consulting or technical services. The following database information
is available in standard or customized formats.
Market ID maintains a database of the Census of Population
and Housing that covers every census tract, block group and BNA (block numbering
area) in the country. This information also is customized to include those population
and housing features that are most important in an evaluation of market opportunities
for banks, thrifts and credit unions. These characteristics are available in
a standardized report format or in customized reports designed to meet each
client's requirements. The information is available as data tables for any defined
geographic area, or the attributes can be developed as individual maps with
additional client defined overlays, such as branch locations.
Population updates and forecasts
Population forecasts are developed using files from local
planning agencies. These forecasts normally include current updates and projections
in five-year increments to 2010 or 2020. Typical forecasts can include population,
households and employment. Employment projections frequently include major industry
categories. These forecasts are the most current available and are based on
a knowledge of local conditions and historical growth patterns in the community.
Competitor branch deposit data is transformed into usable
management information by reorganizing the data by market. This information
is standardized and cleaned to avoid duplications resulting from acquisitions,
closures, and relocations. Branch level data is organized initially by county
and then by market area. Each market is comprised of a grouping of direct competitors.
A five-year deposit history is developed for each bank and thrift office and
the head office of each credit union. Deposit growth and market share trends
are computed for each branch at the market level. The office locations are mapped
and can be added as a layer for use as an optional overlay on other maps developed
for the client.
Our database of bank and credit union call reports provides
information on membership, financial characteristics, product balances and recent
production. This information is available for every reporting bank and credit
union in the country and can be developed in customized formats to meet client
specifications. The data can be organized by geographic area, asset size, field
of membership etc.
We maintain a file of all real estate related loans for
every census tract and BNA in the country. Since this file is organized in small
geographic units, the reporting output offers virtually unlimited opportunities
for analysis from micro markets to regional aggregates. The information in this
database includes the loan location, lender name, loan amount, borrower income,
loan purpose (home purchase, refinance, home improvement, etc.) and much more.
Since the file is geocoded, any data item can be developed in a tabular format
or mapped down to the census tract level.
The consolidated loan application registers of all reporting
institutions are used to create a database of loans for specific markets of
interest. These files, which contain information on each loan generated during
the most recently available calendar year, offer a variety of data options for
loan market planning and competitor analysis. This loan data can be organized
at the census tract or community level to develop information such as:
Banks with assets of $250 million or more are required
to report the number and amount of small business loans as part of their CRA
filing requirements. We use this information to quantify the number and amount
of loans by census tract. This data includes all loans of $1.0 million or less
and indicates the number and aggregate amount of these loans at origination.
This database includes a subtotal indicating the amount of loans to small businesses
defined as those with gross annual revenues of $1.0 million or less. To avoid
one-year aberrations we normally collect the loan production figures for the
most recent three-year period and develop this information in table and map
formats using standard census geography.
Since this information includes the names of individual
lenders associated with the production in each census tract, we can develop
a separate table ranking these lenders by their loan production.
Employment and the number and types of businesses
in a community contribute significantly to the demand for financial services.
Information on local industries is gathered from economic census data and from
local market sources. The type and geographic level of this information frequently
depends on data availability, but typically includes the type and size of business,
number of employees and payroll by industry.