Market Analysis

Increased competition forces bankers to understand their market area potential attractiveness of the area and industry trends within the area based on:

Target customers for cross-sell opportunities	HMDA and CRA Small Business loan trends
Competition	Business distributions by SIC and Sales Volumes
Deposit trends	Customer Profiles and service utilization and potential by branch

Bouton & Associates can create a detailed analysis for each of your branches or a select group, the information can be packaged in a way most useful to your branch banking professional. This information will empower them to:

Target customers for cross - sell	Improve Sales of low performing, high potential products and services
Develop effective branch - level direct marketing	Assess competitors' impact on the market and their customer base

The market diagnostic package includes:

Population Profiles: Demographic, household, and family characteristics of our market's consumers

Business Profiles: Characteristics of your market's workers and businesses

Product potential: Define the potential of the market area based on your customer characteristics and the market area characteristics - for deposits or loans

Distribution System & Network Coverage: Define the natural trade areas for each branch based on the proximity of customers to the branch - for both deposits and loans

Competitive Study: Analyses of your market's competitive structure and dynamics with key share and share-of-wallet measures highlighted

Customer Profiles: Evaluation of your institution's - specific trends related to household profitability, service and delivery channel usage, cross-sell success and relationship growth

For more information contact Bouton & Associates at (619) 579-9099 or
sbouton@gisbanker.com