10 Reasons to Support NCIF Network Banks: Social & Environmental Impacts. Thursday, March 6 2pm-3pm CST
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1 10 Reasons to Support NCIF Network Banks: Social & Environmental Impacts Thursday, March 6 2pm-3pm CST
2 Agenda 1. Introductions: NCIF and Reporting Banks 2. Top 10 Social and Environmental Impacts Facts 3. NCIF Research Capabilities: Transforming Data into Action 1
3 About NCIF Joe Schmidt Vice President, Research and Investments Emily Sipfle Senior Analyst, Research and Investments We welcome your questions! Type questions at any time. We will answer them at the end of the webinar 2
4 Turning Data into Action NCIF s Data Resources Investors Banks Regulators/ Researchers NCIF offers information on opportunities that deliver social, environmental, and financial returns through the power of mission-oriented financial institutions. Institutions in the NCIF Network gain access to capital, visibility, business opportunities, metrics, and innovative solutions NCIF s innovative thought leadership positions us to advance and support the mission-oriented financial industry. BankImpact Custom Analysis Publications Dashboards 3
5 Bank Characteristics 24 institutions 1/3 of all CDFI Banks 10% of all MDIs Reporting Banks: Albina Community Bank Broadway Federal Savings Bank Carver Federal Savings Bank Carver State Bank Citizens Savings Bank Citizens Trust Bank City First Bank of D.C. City National Bank of New Jersey Continental National Bank of Miami First American International Bank First Choice Bank First Eagle Bank First State Bank Guaranty Bank and Trust Harbor Bank of Maryland Illinois-Service Federal Savings and Loan Industrial Bank Liberty Bank and Trust Mechanics and Farmers Bank One PacificCoast Bank Security Federal Bank United Bank of Philadelphia Urban Partnership Bank 4
6 Top 10 Social and Environmental Impact Facts 5
7 1) Drive local economic development 10,921+ jobs created through loans to local businesses Many of the banks are SBA lenders, with $1.1 billion in small business loans outstanding as of 12/31/13 5 participate in high-impact economic development projects through the New Markets Tax Credit (NMTC) program In 2012, the banks provided financial counseling to 11,049+ individuals and 679+ organizations in their communities Mission-oriented banks are anchor institutions in their communities Learn more with: BankImpact.org, Custom Analysis, Dashboards, Publications 6
8 2) Demonstrate dedication to distressed areas Reporting banks are high social performers, per NCIF s Social Performance Metrics 20 are Quadrant 1 CDBIs NCIF Metric used: Development Lending Intensity, Development Deposit Intensity, Quadrants Learn more with: BankImpact.org (Search and peer groups), Custom Analysis, Dashboards, Publications 7
9 3) Supply loans in distressed areas 57% of all reported lending is targeted to lowand moderate-income areas in local communities NCIF Metric used: Development Lending Intensity Learn more with: BankImpact.org (Search and peer groups), Custom Analysis, Dashboards, Publications 8
10 4) Establish on-the-ground presence with local knowledge 88.0% of all branches are located in low- and moderate-income areas NCIF Metric used: Development Deposit Intensity Learn more with: BankImpact.org (Search and peer groups), Custom Analysis, Dashboards, Publications 9
11 5) Deliver services in distressed and underbanked areas 62% of reporting bank branches are in census tracts with higher than average unemployment rates 70% of reporting bank branches are in census tracts with higher than average poverty rates Reporting bank s branches are located in areas of higher economic distress compared to where banks overall have their branches Learn more with: Custom Analysis, Publications 10
12 6) Transform communities through mission lending Mission Intensity: Measuring banks particular area of focus Minority-owned businesses Women-owned businesses Environmental lending Low-income borrowers Minority borrowers Nonprofit borrowers For community development Faith-based lending Female borrowers Affordable housing Community lending To socially motivated partners NCIF Metric used: Mission Intensity Learn more with: BankImpact.org (Search and peer groups), Dashboards, Publications 11
13 7) Design innovative products to fit local needs Other products offered include: credit rebuilder loans, small business improvement fund loans, low fee savings and checking accounts Learn more with: Custom Analysis, Dashboards, Publications 12
14 8) Connect with customers through a range of products Banks provide wide-reaching services through a range of account types. For example, the median reporting bank had: 5,960 deposit customers with a 8,288 deposit accounts 36% of accounts have less than $1,000 low volume accounts with high touch clients Banks emphasize services to individuals and businesses who may otherwise be underbanked Learn more with: Custom Analysis, Dashboards, Publications 13
15 9) Prioritize environmental responsibility Environmental Impacts: Lending for environmentally responsible projects (MI) Operations Growing focus for the industry and NCIF NCIF Metric used: Mission Intensity Learn more with: Custom Analysis, Dashboards, Publications 14
16 10) Value diversity in staff, board, and client base Client Diversity: Reporting banks had a client base to 87.7% minority (n=7) Board Diversity: More diverse than average board compositions for banks/fortune 500 companies Staff Diversity: Reflecting the communities in which they operate Learn more with: Custom Analysis, Dashboards, Publications 15
17 How to Engage Mission-Oriented Banks Investors Work with NCIF to: - Place equity or deposits in banks with high impacts in their communities - Support loans in local market through Small Business Loan Fund - Use BankImpact to identify high impact banks, create and analyze peer groups - Join us at our annual conference to learn more, November
18 How to Engage Mission-Oriented Banks Banks - Join the NCIF network to connect with investors and new opportunities - Use BankImpact to create and analyze peer groups - Provide data on your institution to better Tell your Story for your bank and the industry - Receive customized reports on impacts through the Dashboard Regulators and Researchers - Use BankImpact to identify high impact banks, create and analyze peer groups - Use publications or custom analysis for in depth information on the sector 17
19 Learn more about featured banks Albina Community Bank - Broadway Federal Savings Bank - Carver Federal Savings Bank - Carver State Bank - Citizens Savings Bank - Citizens Trust Bank - City First Bank of D.C. - City National Bank of New Jersey - Continental National Bank of Miami - First American International Bank - First Choice Bank - First Eagle Bank - First State Bank - Guaranty Bank and Trust - Harbor Bank of Maryland - Illinois-Service Federal Savings and Loan - Industrial Bank - Liberty Bank and Trust - Mechanics and Farmers Bank - One PacificCoast Bank - Security Federal Bank - United Bank of Philadelphia - Urban Partnership Bank 18
20 BankImpact Online database providing banklevel impact data based on publically available information Search for banks based on social or financial performance Compare banks to standard peer groups Create your own peer group based on characteristics or specific banks 19
21 Turning Data into Action Custom Analysis In-depth analysis of social and financial performance Comparison to standard or custom peer groups Historical analysis covering years since 1996 Presented in customized reports to meet client needs BankImpact Dashboards Comprehensive financial and social performance analysis Capture impacts through qualitative and quantitative way to tell the story of mission-oriented banks Aligned with other reporting sources including IRIS Evolving metrics Publications Stay informed with annual and quarterly publications on the missionoriented banking industry Provide analysis of relevant topics such as Small Business lending and Pay for Performance 20
22 Questions and Conclusions Joe Schmidt Vice President, Research and Investments Emily Sipfle Senior Analyst, Research and Investments Saurabh Narain Chief Executive Thanks again to Reporting Institutions: Albina Community Bank Broadway Federal Savings Bank Carver Federal Savings Bank Carver State Bank Citizens Savings Bank Citizens Trust Bank City First Bank of D.C. City National Bank of New Jersey Continental National Bank of Miami First American International Bank First Choice Bank First Eagle Bank First State Bank Guaranty Bank and Trust Harbor Bank of Maryland Illinois-Service Federal Savings and Loan Industrial Bank Liberty Bank and Trust Mechanics and Farmers Bank One PacificCoast Bank Security Federal Bank United Bank of Philadelphia Urban Partnership Bank 21
23 22
24 The NCIF Process: Reporting Banks 23
25 Summary of 10 Facts 1) Drive economic development in their communities 2) Demonstrate dedication to distressed areas 3) Supply credit in economically distressed areas 4) Show local presence in economically distressed areas 5) Provide products and services in highly distressed areas 6) Lend with a mission to transform communities 7) Create innovated products designed to fit community 8) Provide access to a range of financial services 9) Prioritize environmental responsibility 10) Celebrate diversity in staff, board, and client base Support local, anchor institutions, tapping into their local knowledge Support banks providing services to economically-distressed communities Extend services to otherwise un/under-banked such as WBEs or MBEs individuals and financing to market segments Promote environmental responsibility and diversity 24
26 Publications Annual and quarterly publications on the state of CDBI industry Quick Take reports Summary of NCIF s Annual Development Banking Conference 25
27 The NCIF Process: History 26
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