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SOUTHERN BANK CO Credit Rating & Financial Statements Analysis

BOSTON (AC Invest Credit Rating Terminal) Wed Jan 19 2022 10:42:02 GMT+0000 (Coordinated Universal Time) AI Credit Ratings today took the rating actions below:

Credit Rating Rationales & Model

When calculating sources of liquidity, we only include the undrawn, available portion of committed bank lines maturing beyond the specified time horizon for each liquidity descriptor. For example, when assessing liquidity as adequate, we only include a committed revolving credit facility as a source if it matured beyond the next 12 months. Similarly, given that our liquidity assessment looks out over two years when assessing liquidity as strong or exceptional, we only include a facility maturing beyond 24 months as a source of liquidity.

Rating Model for SOUTHERN BANK CO: We estimate the credit risk parameters by Parabolic SAR (PSAR) and Spearman Correlation

Credit Ratings for SOUTHERN BANK CO as of 19 Jan 2022

Credit Rating Short-Term Long-Term Senior
AI Rating Class*B2B3
Semantic Signals6859
Financial Signals7246
Risk Signals4432
Substantial Risks5533
Speculative Signals4171

*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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