Total-ALM utilizes an advanced ALM model designed to handle a high degree of balance sheet complexity.  It can model all important balance sheet behaviors at the individual account level producing meaningful forecasts to assist in your decision-making process.

Our standard ALM reporting package includes:

 - Executive overview with written analysis

 - Interest rate risk reports under multiple rate scenarios

 - Liquidity forecasts under multiple rate scenarios

 - Forecasted financials including key ratio analysis

 - Historical trend analysis

 - Gap analysis

 - Full assumption documentation

 - Economic forecast

In addition to a full range of ALM services, we also provide the following services to help you meet and exceed regulatory best practices:

  • Analysis of core deposit re-pricing

  • Analysis of loan prepayments

  • Rigorous assumption development

  • What-if forecasting and stress testing

  • Back testing of results

  • Regulatory updates and assistance with regulatory exams

  • Policy development and updates

  • Model validation

  • Assistance with monthly financial reporting