Raddon Chart of the Day May 17, 2012

Raddon Chart of the Day
May 17, 2012
Overall Loan Demand in the
Next 12 Months Trend
50%

44%
42%
40% 40%
39% 39%
36% 36%

32%
30% 31% 30%
30%
28%

20%
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011
Households Anticipating the Use of Any Loan Product

Source: Raddon Financial Group, National Consumer Research – Fall 2011
©2012 Open Solutions Inc. Raddon Financial Group (RFG) is a business unit of Open Solutions Inc. www.raddon.com | 800.827.3500

May 15, 2012
Most Consumers Designate a Bank as Their
Primary of Most Important Financial Institution
Bank 69%

Credit Union 21%

Stockbrokerage 4%

Mutual Fund Company 2%

Savings Institution 2%

Insurance Company 1%

Mortgage Company 1%

Finance Company 0%

0% 10% 20% 30% 40% 50% 60% 70% 80%

May 10, 2012
Check Writing Activity Has Declined
As Debit Card Usage Has Grown
100%
90% 93% 92%
80% 71%
75% 74%
70% 69%
66% 65%
60%
54%
50% 51%
40%
30%
20%
10%
0%
Fall 2003 Fall 2005 Fall 2007 Fall 2009 Fall 2011
Debit Card Checks

May 8, 2012
Growth in Online Banking Has Not
Reduced Branch Usage
90%
82% 84% 83%
80% 79% 80% 81% 80%
78% 78%
70%
65% 67%
60% 58%
57%
50% 52%
48%
40%
35% 34%
30% 29%
20%
10%
0%
Fall 2003 Fall 2004 Fall 2005 Fall 2006 Fall 2007 Fall 2008 Fall 2009 Fall 2010 Fall 2011

Any Lobby or Drive-Up Any Online

May 3, 2012
Homeowners That Expect the Value of Their
60%
Home to Increase by the End of 2013
49%
50%

40%
33%
30%

20%
14%
10%
4%
0%
Do Not Anticipate an Home Value Increase of Home Value Increase Home Value Increase of
Increase in Home Value Less than 5% between 5% and 10% 10% or More


May 1, 2012
Most Homeowners Report That Their Home’s
Value Has Declined in the Last Year

18%
44% Value Has Increased
Value Has Stayed the Same
Value Has Declined

38%


April 26, 2012
Consumers That Anticipate a Home/Condo
Purchase In the Next Five Years
3% 4%
7%
Within the Next Year

Within the Next One to Two
Years
Within the Next Three to
Five Years
Do Not Anticipate Buying a
House
86%


April 24, 2012
Consumers Current Home Ownership Status
5% 2%

22% Own a Home
Rent
Live with Parents/Relatives
Other
71%


April 19, 2012
Consumers That Have Applied and Been Turned
Down For a Loan in the Last 12 Months
Applied/Turned Down for Any Loan 11%

Credit Card 6%

Line of Credit 2%

Consumer Loan 1%

Mortgage for Refinance 1%

Mortgage for Home Purchase 1%

Home Equity Loan or Line 0%

None of the Above 89%

0% 20% 40% 60% 80% 100%


April 17, 2012
When Consumers Last Purchased
or Leased a Vehicle
35%
31%
30%
25%
20% 17%
15%
15% 12% 13%
11%
10%
5%
0%
Within the Between 1 Between 2 Between 3 Over Five Have Never
Past Year and 2 Years and 3 Years and 5 Years Years Ago Purchased or
Ago Ago Ago Leased a
Vehicle


April 13, 2012
Consumers That Are Currently in the
Market For a New Credit Card
6%

In the Market for a New
Credit Card
Not in the Market for a New
Credit Card

94%


April 10, 2012
Top Five Credit Card Features That Would Prompt
Consumers to Get a New Credit Card

No Annual Fee 81%

Low Interest Rate 60%

Annual Cash Back Rebate 43%

Identity Theft Protection 37%

0% Introductory Rate Offer 32%

0% 10% 20% 30% 40% 50% 60% 70% 80% 90%


April 5, 2012
Methods Consumers Use to Obtain Financing
for a Vehicle Purchase From an Auto Dealer
Total
Typically Would Obtain Financing from the Auto
Dealer
40%
Would Seek Out Loan Rates from Primary
Financial Institution
19%
Would Use Comparative Price Grids/Services on
the Internet to Get the Best Loan Deal
5%
Would Use a Home Equity Credit to Finance
Vehicle Purchases
2%

Other 7%

Do Not Borrow for Vehicle Purposes 27%

0% 5% 10% 15% 20% 25% 30% 35% 40% 45%


April 3, 2012
Consumers That Are Willing to Pay a $2 Monthly
35%
Fee For Basic Identity Theft Protection Coverage
33%

30%
27%
25%

20%
17%
15% 14%

10% 8%

5%

0%
Extremely Likely Very Likely Somewhat Likely Not Very Likely Not at All Likely


Raddon Chart of the Day May 17, 2012

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Raddon Chart of the Day May 17, 2012