eRisk Analysis Service (eRAS)
 | Gauge your bank's commercial credit performance. |
| Identify the areas needing improvement. |
| Set loan loss reserve levels. |
| Answer the board's tough questions. |
Brought to you by the Risk Management Association (RMA) and Automated Financial Systems, Inc. (AFS), eRAS is a Web-based benchmarking product designed specifically for the needs of community banks, primarily with assets of less than $3.5 billion.
Information currently available in the market for portfolio comparisons is scarce. And even when it is available, it is not granular enough and is often difficult to access and use. eRAS allows you to allocate your scarce time to making decisions rather than spending unnecessary time compiling the information. Using eRAS, you will be able to compare your commercial credit portfolio mix and risk profile to a composite, at a level of detail and quality not previously available in the market.
Questions eRAS Answers for You:
| How do we measure up to our competitors? |
| Can I feel good about our performance? |
| How can I better use the few resources that I have to analyze data rather than gather it? |
| Where should I focus my attention? |
| How can I respond intelligently to the tough questions my board of directors is asking me? |
eRAS Sample Industry Report - Real Estate and Rental & Leasing Industry
Who Among Your Stakeholders Will Find the Data Useful?
| Bank Regulators |
| Board of directors |
| Executive management |
| CFO |
| Loan review |
| Line of business |
| Risk management |
Detailed Performance Metrics Received from eRAS:
| Risk rating distributions |
| Weighed average risk rating |
| Delinquency information |
| Nonaccrual levels |
| Charge-off experience |
| Collateral concentrations |
| Industry concentrations |
Typical Reports You Will Receive:
| Profile of the national community bank lending market |
| State and regional reports |
| Industry reports |
| Collateral reports |
| Commercial real estate collateral reports |
| Residential real estate collateral reports |
| And more |
Timely, Reliable, Comparable Data
By accessing the information on the eRAS Web site with your password, you are able to download detailed reports profiling the changing risk in your commercial credit market.
Updated quarterly, the regional reports feature changing risk profiles, collateral concentrations, and industry concentrations in your lending footprint.
The report fields are clearly defined to ensure transparency and comparability with your commercial portfolio.
For your added convenience, historical data is available for trend analysis.
eRAS Sample Collateral Type Report - Loans secured by Residential Real Estate
Why Do I Need eRAS?
| Quarterly reports: Available in time for allowance setting and other regularly scheduled events like board meetings. |
| Trends: The ability to see multiple quarters of performance data. |
| Standardized reporting terminology. |
| Consistent presentation. |
| Reliable data. |
eRAS Sample Geographic State Report - California
How Do I Sign Up?
To sign up for this annual subscription service, or to learn more, go directly to the RMA Web site at www.rmahq.org. Once you subscribe to the service you will receive a user name and password that will enable you to gain access to the eRAS Web site where the benchmarking reports will be found.