Proactive Risk Management for Your Banking Relationships
In today's challenging economic environment, it is more important than ever to make fully informed fully informed decisions regarding public funds. Managing the responsible investment of your constituency's funds requires the most up-to-date and revealing information available about the banks with which your entity invests and from which you accept letters of credit for public infrastructure and other projects.
Investing with Confidence
Your treasury's banking relationships are the key to success or failure of your cash management goals, every quarter and every year. HighlineFI gives you complete transparency into your banks with full financials, ratings and ratios that help you manage these relationships, identify new investing opportunities, negotiate maximum returns and mitigate risk. If a bank is experiencing liquidity troubles, has a rising number of defaulting loans, has accepted TARP assistance, or is in danger of failure, you can stay up-to-date with these developments and much more, using HighlineFI's web and Excel-based data and tools. HighlineFI enables quick, effective comparisons of banks based upon asset size, location, and a vast number other factors, to help inform your decisions. Detailed, timely banking data will help understand your risk and respond as early as possible, as well as enable you to negotiate the best interest rates for your agency, state, county or municipality.
The Most Relevant and Timely Banking Data
HighlineFI provides your team with access to the most relevant, actionable banking intelligence in the industry, including hundreds of proprietary ratings, rankings and ratios to help improve your analyses and save time. The Highline Rating, exclusive to HighlineFI, is the industry's first widely-used bank solvency rating, enabling uniquely fast and accurate assessments of institutions' health and overall performance, relative to their asset peer groups, region or the entire nation. The Highline Rating excels particularly in providing early warning of a bank's potential for failure, giving you the intelligence you need to make the most informed investment decisions. Also, every entity is assigned peer-based, national and regional rankings, providing additional context for performance evaluation.
Government entities use the Highline Rating to guide their investment policies in a variety of ways: Establishing levels of required collateralization for investing public funds; enforcing clear solvency thresholds for government investing with any institution; negotiating the best rates of return from banks; evaluating letters of credit for new development projects; anticipating bank solvency issues before they become critical; understanding banking trends nationally, by region and in defined peer groups. State treasuries currently using the Highline Rating include California, Tennessee, Alabama and Maine.
Efficient, Effective Due Diligence
For all government-banking risk management functions, HighlineFI offers a beneficial, time-saving resource for accessing and analyzing relevant and timely US banking data. It is the premiere data solution for understanding your territory's banking trends, monitoring banks with which you entrust public funds, negotiating the highest interest rates possible and creating informative, timely reports to communicate your findings.
HighlineFI's comprehensive sector coverage is augmented by robust grouping, merging, saving and presenting capabilities, making it the industry's leading banking-focused data solution.
The HighlineFI Advantage
HighlineFI offers your organization a single-source solution for banking insight. Each subscription includes:
• Timely, accurate, comprehensive data, on demand
• Powerful web-based searching, reporting and analytical capabilities
• HighlineXL, Excel-based Add-In
• Quarterly data/functionality upgrades
• World-class support
• Predictable cost of ownership
Discover more. Contact us for a live demonstration, or sign up for a free trial HERE. >
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HighlineFI: Key Functions
Screening and Targeting
The wide scope of HighlineFI's data and the power of its web-based and Excel-based software puts an immense amount of information at your disposal for discovering opportunities, analyzing competition, and understanding the US banking landscape as it evolves. Powerful searches, peer groupings, mapping, and detailed reports provide the industry's leading solution for targeting the companies that meet your precise business and research requirements.
 Company Profiling
HighlineFI gives you broad access and granular searching capability across all types of institutions: banks, credit unions, S&Ls and holding companies. Additionally, non-filing companies' financial history is available through Highline Financial's unique summed subsidiary data, enabling in-depth profiles of difficult-to-track institutions, including foreign companies, S&L holding companies and others. Your work can be easily exported to Excel and PDF for further analysis and presentation.
Using HighlineXL Excel Add-in, you can easily add live data updates to your existing analytical models or create new models with our intuitive, step-by-step HighlineXL wizard.
The Highline Rating, Leading Bank Solvency Rating
The Highline Rating, included with every HighlineFI subscription, is the first commonly used bank rating scale in the industry, dating back to 1985. Directly responsive to varying industry conditions, the Highline Rating is an excellent starting point for the analysis of a bank's health and is useful as an accurate predictor of solvency problems. Peer, national and regional ratings are on a scale of 99 (best) to 0, and assignment is based upon completely objective financial statistics and comparisons to peer institutions. Also, every entity is assigned peer-based, national and regional rankings, providing additional context for performance evaluation.
Many state treasuries, including California, Tennessee and Maine, rely on the Highline Rating as the primary determining threshold for whether or not to invest public funds in institutions in their territory. Others, such as Alabama depend on the rating for establishing specific levels of required collateralization for public funds investment.
The Highline Rating far outperforms the market-standard solvency flag, the Texas Ratio, for predicting bank failure long before actual failure. At three quarters prior to failure, the Highline Rating has accurately predicted over 161% more bank failures than the Texas Ratio since 2004.
No other leading banking-sector data solution offers this time-tested bank health rating, only HighlineFI. It is an extremely informative and time-saving tool that improves your analyses and ultimately, your most critical decisions.
 Comparative Performance Analysis
HighlineFI enables extremely detailed peer group comparisons. Thousands of individual data points may be integrated into your web-based analyses, which can cover company financial performance, individual branch performance, market demographics and an extensive array of Highline Financial's proprietary performance ratios, ratings and other metrics.
Using the most accurate and timely regulatory data, you can easily target any bank, S&L, credit union or holding company and dissect its financial strengths, weaknesses and performance extending back as far as 18 years, as well as comparing their financial performance each quarter.
Add-On: Market/Branch Analysis
From broad regional analyses to a focused evaluation of trade areas, zip codes or block groups, HighlineFI delivers the data and analytic tools required for in-depth market and branch network analyses. Comprehensive coverage of consumer, business and small business populations enables a thorough assessment of market valuation and branch M&A opportunities.
 Profile and compare multiple market areas across thousands of demographic and product demand variables. In addition, HighlineFI offers a national database of ATMs, traffic volumes and branch offices that are updated daily for openings/closings and M&A activity.
HighlineFI's state-of-the-art mapping software and GIS analytics define and profile branch or ATM trade areas across an array of criteria including polygons/radius, drive time, drive distance, walk time, miles walked and more.
HighlineFI also offers a unique product demand database that is built on actual customer records/data from an aggregate multi-bank Customer Information File (CIF) datafile covering an average of 27% of the US population
Discover more. Contact us for a live demonstration, or sign up for a free trial HERE. >
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HighlineFI: Key Features
Regulatory Data for Commercial Banks, Savings Banks, Savings & Loans, Credit Unions and Holding Companies
• Detailed financials
• Over 400 Highline Financial calculated ratios
• Percent of Assets and Annual Percent Change Ratios
• Asset Size Peer Group Ranks
• TARP information
Common Financial Data Across All Types of Regulatory Data
• Cross-entity, or "common," database provides combined access to all banks, bank holding companies, credit unions and S&Ls
• Accessible through searches, pre-generated reports, custom reports, and HighlineXL Excel® Add-In
• Summed subsidiary data for non-filing regulatory companies (S&L holding companies and foreign companies)
Up to 18 years of historical data
• Up to 18 years of regulatory data for Banks, S&Ls, Credit Unions and Holding Companies: quarter-only and year-to-date
Company Contact Information
• Top officer names
• Mailing address, phone number, and company websites
Links to External Company Reports
• FDIC Uniform Bank Performance Reports
Search, Analytical and Reporting Tools
• Quick and Advanced Search on over 2,000 items and up to 18 years of historical data
• Pro-forma company information (merges)
• Custom reports
• Briefing Books
• HighlineXL Excel Add-In
Highline Ratings
• National, regional and asset-size peer group ratings/rankings
• Evaluates potential for failure
• Industry's first widely-used bank solvency rating, dating back to 1985
Add-Ons: Market/Branch Data
• Comprehensive branch database, including: deposit data, branch attributes, company affiliation and branch deposit trending
• Daily updating of branch merger and acquisition activity
• Weekly updating of branch opening and closing activity
• Advanced Search, select and compare analytics that define market areas, branches or point locations based on thousands of criteria
• Detailed or summary Market Share and Market Presence reports for each of the company’s markets; by state, city, county, or zip codes
• Integrated market/branch mapping: trade area definitions based on radius, drive-time and population density
• ATM mapping
Discover more. Contact us for a live demonstration, or sign up for a free trial HERE. >
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