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From the May Issue of the RMA/AFS Credit Risk Benchmarks Report for 4Q08

The Risk Analysis Service (RAS) has released its 1Q09 data on commercial credit risk for 17 leading financial institutions


eRAS Commercial Credit Risk Benchmarking for Community Banks brochure

For more information on any AFS press releases, please contact Rene Coady, AFS Director of Marketing at +1 484.875.1120 or email at rcoady@afsvision.com.

2010
	February 23, 2010 The Risk Management Association and Automated Financial Systems' Risk Analysis Service Metrics Indicate that Deterioration in Bank Asset Quality Eased in the Fourth Quarter 2009 Nonperforming and classified levels rose moderately after two years of double digit growth: Business Banking credit quality worse than other loan classes
2009
	November 30, 2009 The Risk Management Association and Automated Financial Systems Risk Analysis Service Third Quarter Metrics Reveal Continued Easing in Short-Term Delinquencies, Despite Steadily Increasing Defaults Business banking portfolio continues to experience the most adverse performance
	August 20, 2009 The Risk Management Association and Automated Financial Systems' Risk Analysis Service Second Quarter Metrics Nonperforming and classified levels all higher for Business Banking credit; Short-term delinquencies in the Middle Market have eased from first quarter level
	May 4, 2009 The Risk Management Association and Automated Financial Systems' Risk Analysis Service First Quarter Metrics Reflect Accelerating Deterioration in Middle Market Credit Quality Signs of Stress Seen in Motor Vehicle Parts Manufacturers
	February 6, 2009 The Risk Management Association and Automated Financial Systems' Risk Analysis Service Fourth Quarter Metrics Reflect Borrowers' Elevated Utilization of Lines of Credit Borrowers drawing down lines of credit as credit conditions deteriorate
	January 14, 2009 Risk Analysis Service to Offer Commercial Credit Risk Benchmarking for Community Banks RMA and AFS launched a Web-based benchmarking product for institutions with less than $3.5 billion in assets. Similar to their product for large institutions, eRAS will allow community banks to compare their portfolio mix and risk profile to a market-based composite.
2008
	November 12, 2008 The Risk Management Association and Automated Financial Systems' Risk Analysis Service Third Quarter Metrics Reflect Continued Deterioration in U.S. Middle Market Credit Quality Non-current loan levels reach 5 year highs
	August 11, 2008 Risk Analysis Service Metrics Show Further Deterioration in U.S. Middle Market Credit Quality The industry's credit risk benchmark revealed no sign of relief as nonaccruals, delinquencies continue to rise
	May 19, 2008 Risk Analysis Service Metrics Show Accelerated Deterioration in Middle Market Credit Quality Nonaccrual and delinquency levels reach highest levels in 4 years
	May 6, 2008 Automated Financial Systems (AFS) Delivers the Banking Industry's First Basel II Segment Upgrade for Lending Immediately available, it lays the foundation for collection, validation, control and reporting of Basel II framework data segments
	March 3, 2008 UniCredit Group Joins European Risk Analysis Service UniCredit Group announced today that it has joined the Risk Analysis Service (RAS), a credit risk benchmarking service developed jointly by RMA and AFS that is designed to enhance risk management practices.
	February 19, 2008 Risk Analysis Service Metrics Show Accelerated Deterioration in Middle Market Credit Quality Construction Industry Non-accrual Levels up over 300% from year-ago period
2007
	November 30, 2007 RMA/AFS Risk Analysis Service Metrics Continue To Show Further Deterioration in Middle Market Credit Quality Credit Risk Benchmarking Program now offers enhanced risk rating metrics including Probability of Default (PD), Loss Given Default (LGD), and Economic Loss (EL)
	September 25, 2007 RMA and AFS Announce Survey on Enterprise Data to Support Credit Risk Management The Web-based survey will focus on data quality and current approaches to data management.
	August 28, 2007 Risk Analysis Service Metrics Show Continued Deterioration in Middle Market Credit Quality Weaknesses most pronounced in Eastern Midwest and Southern regions
	August 16, 2007 Automated Financial Systems and Advanced Computer Technologies to Provide Consumer Lending to Santander
	June 8, 2007 RMA/AFS Risk Analysis Service Confirms Rising Delinquency and Non-accrual Levels Credit risk benchmarking metrics show continued softening in construction and the real estate and rental & leasing industries
	March 7, 2007 Softening in Commercial Real Estate Sector Indicated by RMA/AFS Risk Analysis Service Credit Risk Benchmarking Metrics Show Emerging Weakness in Construction Industry
2006
	December 6, 2006 RMA/AFS Risk Analysis Service Reflects Solid Middle Market Credit Quality Performance Credit Risk Benchmarking Metrics Show No Evidence of Declining Credit Quality
	September 12, 2006 RMA/AFS Risk Analysis Service Launches Commercial Real Estate Offering Credit Risk Benchmarking Service Supports Expanded Industry Needs
2005
	October 19, 2005 Texas Capital Bank Selects AFSCommerceT to Support Rapid Loan Growth Texas Capital Bancshares (NASDAQ: TCBI), announces that it has elected to extend its outsourcing agreement for loan servicing and processing with Automated Financial Systems, Inc. (AFS) of Exton, PA.
	August 1, 2005 People's Bank Deploys AFS Commercial Real Estate to Service Growing Loan Portfolio People's Leverages Technology to Expand Services to Commercial Customers
	February 24, 2005 Comerica Extends Technology in Commercial Lending Completes Major Loan System Upgrade with AFS