ALM Consulting |
Ongoing advising is a cornerstone of BRS' ALM Consulting
Service. Each quarter we will schedule a 30 to 40 minute conference call
with you and your colleagues to review your results and discuss relevant
tactics. Our sessions will emphasize the "big picture" with specific
focus on selected areas as needed. Our advice is "food for thought".
Independent observations and tactical suggestions you, your colleagues
and your Board can consider and weigh against your current strategic
The Investment Portfolio
Is the portfolio optimized for the current rate
environment? Are you laying the groundwork to capitalize on the next
rate adjustment? Will the bank realize an excessive opportunity cost
because there is too much concentration in Fed Funds?
The Loan Portfolio
Is the loan portfolio well-balanced? Does the duration of
any loan group create excessive interest rate risk? Are excessive credit
quality problems creating an ongoing threat to earnings and capital?
Non-Maturity Deposits, CDs, and Structured Debt
Does the bank have a balanced funding portfolio? Is
your Now, Savings and MMDA pricing fully adjusted to market levels? Is
the bank exploiting the benefits of effectively structured long-term debt?