Index of Banking Activity shows modest gain in December, reflects general industry upturn in its first six months

The Index of Banking Activity Composite Index rose to 55.8 in November, up from 55.7 in October, to chalk up its fourth consecutive increase. The gain was slight, but reflected a pattern of business expansion that has marked the Index’s first six months as an indicator measured by American Banker, in partnership with VantageScore Solutions, LLC.

Source: American Banker and VantageScore Solutions, LLC

Compiled from surveys of executives at hundreds of financial institutions across the U.S., the Index is an industry bellwether that tracks 16 distinct business indicators, such as volume of deposits, loan applications and loan delinquencies, and how they change month over month. Measurements of each of these components are combined into a single Composite Index, in which readings above 50 indicate business expansion, and those below 50 signify contraction. You can find more information about the Index and its component measurements on our website,

As the IBA continues into 2013, VantageScore Solutions looks forward to tracking its progress and monitoring its component measurements for insight into the health and growth of the nation’s financial institutions.

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