Maintaining Profitability in a Post-COVID World

We’ve been dealt an extremely difficult hand over the past twelve months dealing with the impact of a global pandemic on markets and the economy. Now, community financial institutions have another challenge: more cash on their balance sheets than ever, with compressed margins as loan growth remains slow. Join us for a lively discussion on how sound risk management can stabilize profit levels and ensure you’re not leaving additional income opportunities on the table from a lack of action.

 

Learning Objectives:

  • Understand why rising interest rates may be a good thing for depository institutions
  • Describe how the market environment can impact the three core depository functions
  • Identify the key strategies that high-performing institutions will enact during periods of rising rates
  • Learn why we believe it’s more important to focus on the long term than to try to predict the direction of interest rates
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Robert Perry

Robert Perry

Principal

Robert Perry is a Principal at ALM First Financial Advisors, joining the firm in 2010. Robert leads ALM First’s ALM and Investment Strategy Groups and is responsible for the development of asset liability and investment portfolio themes for the firm. He also provides strategic focus for financial institution client portfolios that are primarily invested in the high credit quality sectors, and is instrumental in balance sheet hedging strategy development.

Gabby McGaughy

Gabby McGaughy

Director, Advisory Services

Gabby McGaughy joined ALM First Financial Advisors, LLC in 2020. As a Director for the firm, Gabby specializes in customizing and implementing actionable and effective ALM and investment strategies to maximize client performance. Additionally, Gabby proactively designs sensitivity analyses and scenarios to test client balance sheet exposure to various factors and formulates action plans to optimize client performance within policy and risk tolerances. As a trusted advisor, she helps financial institutions build high performing investment portfolios and efficient balance sheets.

Prior to joining ALM First, Gabby was a Fixed Income broker of Institutional Sales at SunTrust Robinson Humphrey and FHN Financial Capital Markets, where she earned her Series 7, Series 63, and Series 52 licenses. Gabby has 10 years of Capital Market experience.

Gabby received a Master’s Degree in Mathematics with a focus in Statistics and a Bachelor’s Degree in Mathematics both from the University of Mississippi.

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“ALM First” is a brand name for a financial services business conducted by ALM First Group, LLC (“ALM First”) through its wholly owned subsidiaries: ALM First Financial Advisors, LLC (“ALM First Financial Advisors”); ALM First Advisors, LLC (“ALM First Advisors”); and ALM First Analytics, LLC (“ALM FirstAnalytics”). Investment advisory services are offered through ALM First Financial Advisors, an SEC registered investment adviser. Access to ALM First Financial Advisors is only available to clients pursuant to an Investment Advisory Agreement and acceptance of ALM First Financial Advisors’ Brochure.

The content in this message is provided for informational purposes and should not be relied upon as recommendations or financial planning advice. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.