Bank

Reporting

Sciences

IMPORTANT NEWS:
BRS’ CECL Reserve Solution is Now Available

Send your CECL Reserve Solution information request to
Info@BankReportingSciences.com

BRS provides community bankers the clearest,
easiest-to-understand and most comprehensive
Asset/Liability Management reporting available.

BRS’ ALM ADVISOR^® asset/liability
management report was created to do one thing:

Make the increasingly complex subjects of
Interest Rate Risk and Liquidity Risk
easy-to-understand for you, your Board,
your ALCO and your examiners.

Since 1998, Bank Reporting Sciences
has provided ALM reporting to
hundreds of community banks
throughout the Nation.

We do not provide software.
We provide quarterly ALM reporting
on a completely outsourced basis.

Our clients are community bankers
that want their ALCO reporting process
to be as simple as possible;
to be as cost-effective as possible; and
to keep their ALM reporting well
ahead of regulatory expectations.

Our Largest Client	Our Smallest Client	Our Average Client
$103.3 Billion	$18.1 Million	$296 Million

Simple does not mean simplistic.

Bank Reporting Sciences’ proprietary
ALM modeling stands among the most
advanced in the banking industry.

Our modeling software is continuously
innovated. New capabilities are
routinely added that make the
ALM ADVISOR^® more comprehensive and
keep the reporting well-ahead of
regulatory expectations.

Current Modeling Results Reflected in the
ALM ADVISOR^®

Interest Rate Risk	Earnings-at-Risk & Economic Value of Equity-at-Risk
	Simulations
	Ramp +100bp thru +500bp/-100bp thru -300bp
	Shock +100bp thru +500bp/-100bp thru -300bp
	Non-Parallel - 6 simulations

Liquidity Risk	Cash Flow Projections
	Cash Flow Stress Testing
	Liquidity Cashion Stress Testing

Assumption Stress Testing	Prepayment Stress Testing
	Deposit Beta Stress Testing
	Deposit Decay Stress Testing

Other Stress Testing	Capital Adequacy Stress Testing
	Credit Quality Stress Testing

Calculated on a Bank specific basis	Loan Prepayments
	Non Maturity Deposit Decay
	Deposit Lags & Betas

Testing and Validation	On Board Earnings Simulation Back-Test
	Annual Independent Validation

Allow us to demonstrate.
The best way to evaluate the ALM ADVISOR^®
is with a complimentary Bank specific sample.

Your complimentary ALM ADVISOR^® will be
prepared using the most recently available
Call data and assumptions calculated by
Bank Reporting Sciences.

Send your ALM ADVISOR^® request to
Demo@BankReportingSciences.com

Your ALM ADVISOR^® will be emailed
to you within 5 business days.

We will not contact you by phone unless
you specifically request a phone appointment.

BRS will NOT share your contact information with any third party.

Other services we provide:
CECL Reserve Workbook
ALM Model Validation
CECL Model Validation
Balance Sheet Fair Value Exit Price Reporting
Trust Preferred Security Exit Price Reporting
Canary Reporting

Bank Specific Assumptions
BRS can provide you the following
modeling assumptions, all of which are
calculated entirely on a Bank specific basis:

Loan Prepayments
Non-Maturity Deposit Decay
Deposit Betas & Lags

Bank specific assumptions are available Quarterly, Semi-Annually, or Annually

Would you like more information?
Info@BankReportingSciences.com