premier partnership.

Premier Partnership: when you need a strategic partner.

With ALM First as your strategic partner, you have access to the analysis and strategy you need to find financial success. This includes:

Asset Liability Management

We use sophisticated analytical models to perform a complete asset liability management assessment of your balance sheet and income statement, including a gap analysis, net interest income simulation (NII) analysis, and a net economic value (NEV) analysis. We’ll also provide an executive summary of our findings for your board of directors and members of the asset liability committee.

Strategy Development (centered around your risk tolerance)

One of the most important services we provide is the balance sheet strategy and quarterly review of your investment portfolio and its performance. The strategy is based on your financial institution’s risk tolerance levels, earnings goals, and the outcome of the ALM analyses. Strategies encompassing asset distribution, funding and equity employment will be discussed and agreed upon. Those tasks designated to be the responsibility of ALM First will be executed by your ALM First team.

Investment Execution

We’ll perform unlimited investment trade execution for your organization on a non-discretionary basis. Our access to the institutional desks of primary broker/dealers, advanced technology systems, and economies of scale in trade execution give you cost savings and major advantages during the entire process. Since we’re not a broker/dealer, we receive no commissions and aren’t interested in growing deposits. Because our compensation is fee-based, you can always be certain that our advice is objective and unbiased.

Compliance and Policy Reviews

ALM First will review your investment, liquidity and asset liability management policies and recommend any necessary adjustments based on regulatory compliance, the needs of your balance sheet, and investment philosophy.

Monthly Investment Accounting Reports

Through this service, you can design your own monthly accounting report package. Choose from more than 70 useful and easy-to-understand accounting reports, including current market value, accrued interest, investment yields, premium and discount amortizations and accretions, and more.

ALM First On-Demand

ALM First On-Demand lets you analyze “what if” scenarios instantly via our website. It combines the complexity of our modeling assumptions with the ease of a web browser that is tailored to suit your individual needs.
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In-house Training

Each year, educational and performance review sessions are held onsite, providing an excellent opportunity for your executive management and board of directors to review balance sheet performance and formulate strategies.

Call-Report Preparation

Quarterly call report information relating to investments is provided for each client using our accounting system. ALM First keeps up with any regulatory changes and will make the necessary adjustments to the report.

Corporate Credit Union and Broker Dealer Credit Analyses

ALM First performs an annual credit review on each corporate credit union utilized by our clients. The analysis is designed to provide safety and soundness for trade execution and transaction activities while alleviating the need to spend time and money completing these analyses in-house.

A full credit review is performed on each broker/dealer to ensure the safety and soundness of the firm for trade execution on behalf of our clients, and to avoid the both time-consuming and costly tasks of doing these reviews for regulatory purposes. Additionally, the designated representative of the broker/dealer is screened for any possible NASD violations.

Leverage Analysis

As market conditions change, liquidity changes. There are times that borrowing can be economically favorable for funding assets. With a Leverage Analysis, you'll receive advice on the optimal borrowing structure to meet your objectives. The Leverage Analysis isolates a leverage trade to show true earnings and market risk in numerous interest rate scenarios. It also incorporates the leverage trade into the balance sheet and shows its effect.

With the tools you need to steer your financial institution successfully through the turbulent waters of today’s economic environment, ALM First’s Premier Partnership eases your mind and allows you to focus on other things.

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