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SAWYER SAVINGS BANK Credit Rating & Financial Statements Analysis

BOSTON (AC Invest Credit Rating Terminal) Sat Jan 22 2022 00:42:02 GMT+0000 (Coordinated Universal Time) AI Credit Ratings today took the rating actions below:

Credit Rating Rationales & Model

Given that we exclude proposed "best efforts" or potential financings as a source of liquidity, we also exclude from uses of liquidity acquisitions and other discretionary spending that are contingent on the successful issuance of new financing to support the proposed transaction.

Rating Model for SAWYER SAVINGS BANK: We estimate the credit risk parameters by Bollinger Bands and Simple Regression

Credit Ratings for SAWYER SAVINGS BANK as of 22 Jan 2022

Credit Rating Short-Term Long-Term Senior
AI Rating Class*Ba3B2
Semantic Signals7051
Financial Signals5761
Risk Signals6539
Substantial Risks8957
Speculative Signals3961

*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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