Our goal is to understand your institution’s short and long-term growth objectives so we can provide solutions that meet your needs. We provide a comprehensive analysis of your balance sheet that focuses on:

Earnings Management Analysis:
A historical “peer comparison” of the institution's primary operating & income ratios.

Capital Management:
A capital utilization analysis including a potential growth and leverage forecast. Also includes detail of the maximum growth by asset risk weighting category, potential impact on net income, ROA, ROE, dividends and tax implications.

Liquidity Management:
A historical comparison of deposit growth and loan growth, a 10-year projection of rate-shocked investment portfolio cash flows, plus a comprehensive liquidity calculation.

Interest Rate Risk Management:
A three-year income simulation under assumed flat, up and down rate scenarios. Details potential impact on loan income, investment income, interest expense, net interest income, net income, ROA, ROE, capital and capital ratio.

Economic Value of Equity:
A rate-shock analysis that details the market value risk of your assets, liabilities and capital.

Also Available

• Gap matrix
• Strategic planning consultation
• Board education