Credit Shock Model Program
Directors and management are raising questions about how their banks should go about developing capital plans amid the current economic environment. To support this time-sensitive need, we recommend incorporating credit shocking into your bank's risk management processes.
The Program Includes
- Your Bank's Credit Shock Model
- Our analytical team will credit shock your institution's loan portfolio based on your individual mix of loans. Through a combination of recession scenarios, our model will calculate the cumulative impact to your bank's capital ratios through year end 2009.
- Your Balance Sheet & Income Statement Analysis
- Nationally known as "The Focus Report," our proprietary report enables you to view your bank within a risk-versus-reward framework, relative to all banks in the nation. We assess your credit risk, interest rate risk, capital risk, and liquidity risk, and clearly help you determine whether or not the risk you are taking is worth the reward.
- One-on-one Consultation
- You and relevant members of your staff will benefit from a one-on-one call consultation with a member of our analytics team. We will walk you through your numbers, share perspectives gathered from our history of interpreting community banks' financials, and put more security and soundness behind your decisions.