IT’S TIME TO DISCUSS THE ELEPHANT WITH YOUR TEAM.

Rising rates don’t necessarily equate to increased revenues. Make sure your risk modeling results stack up to your business plans. Join Dave Koch for a Free Live X-Speak, May 25, on the correlation between rising rates and key deposit modeling assumptions.

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THE POWER TO TURN ISSUES INTO OPPORTUNITIES.

The onus is on you to run a profitable, compliant institution, but you don’t have to go it alone. Our advisors, many of whom are former bank and credit union CEOs and CFOs, understand how to manage successful institutions, as well as the interdependent disciplines that influence profitability. As partners, our combined decades of experience will allow us to analyze risk/return options and devise business strategies based on your numbers and risk appetite so that you can confidently seize opportunities to not only grow, but thrive in any economic environment.

“FARIN’s modeling gives us an excellent balance between cost effectiveness, simplicity and analytical rigor that enables us to successfully survive regulatory and auditor scrutiny year after year.”

H. Stewart Fitz Gibbon III
President/CEO
Wayne Savings Community Bank
Wooster, OH
Over $400 Million institution
Farin client for over 20 years

CREATE SYNERGY. DRIVE PROFITABILITY.

For over 30 years, we’ve specialized in providing advice, education and software solutions focused on the five interdependent, core business facets common to banks and credit unions to help financial professionals make informed decisions, anticipate and avoid issues and maintain compliance.

ADVISORY SERVICES

Advisory services are the backbone of our comprehensive suite of solutions. Getting to know your organization allows us to provide deep and wholistic insight into how financial factors specific to your institution influence each other and directly impact your bottom line. Farin will…

  • evaluate your risk levels and risk vs. return options
  • help determine how market trends may Affect your institution  specifically, your geographical area or area of specialization
  • help identify and pursue market opportunities
  • review and evaluate ALM, Liquidity, Capital and ALCO policies
  • perform strategic financial reviews
  • provide staff, board and ALCO Education
  • provide non-traditional methods to expand your options
+ Cap Plan

CAPITAL PLANNING

A solid capital plan is the foundation of every sucessful institution, as well as a regulatory requirement.  At Farin, we believe strategic capital planning paves the way for successful stewardship of all facets of your business. We can help you…

  • determine and set captial goals and policies; and devise strategies to accomplish those goals
  • produce current and long-term balance sheets that are in compliance with new regulations
  • prepare a “Plan B” contingency capital plan
  • prepare a well-documented capital plan that includes how goals were set and how they will be achieved
  • perform appropriate stress testing to strengthen your  plan and prepare for potential “captial storms”
  • investigate low-cost funding alternatives to cut costs
+ ALM

ASSET / LIABILITY MANAGEMENT

Asset/Liability Management impacts every aspect of your organization. Foresight, our ALM model, is specifically designed for instiutions like yours that use modeling for strategic planning in addition to maintaining regulatory compliance and unlimited “what-if” scenarios allow you to test the proverbial waters…

  • determine and set captial goals and policies; and devise strategies to accomplish those goals
  • produce current and long-term balance sheets that are in compliance with new regulations
  • prepare a “Plan B” contingency capital plan
  • prepare a well-documented capital plan that includes how goals were set and how they will be achieved
  • perform appropriate stress testing to strengthen your  plan and prepare for potential “captial storms”
  • investigate low-cost funding alternatives to cut costs
+ Loan Pricing

LOAN PRICING

Take advantage of your Farin Advisor’s decades of retail banking experience, complimented by LoanEDGE, our interactive loan pricing solution, that enables your lending team to easily calculate the value of a business relationship based on your institution’s specific profitability guidelines.

Your advisor will…

  • help your organization build consensus between your Lending, Risk and Financial officers and departments
  • develop strategies and products to overcome any known obstacles to meeting growth goals
  • set critical assumptions that impact loan pricing
  • create profitable loan programs to meet the competing needs of your lending and finance departments
  • set challenging, yet acheiveable loan sales goals
+ Deposit Pricing

DEPOSIT PRICING

Stay ahead of the competition and attract profitable depositors with insight from your Farin Advisor and iPrice, our interactive deposit pricing solution. iPrice will help your deposit management team obtain and retain business, as well as create, monitor and track deposit programs and offers. Use iPrice to:

  • test new strategies for optimizing yeilds on existing deposit  accounts and increase earnings
  • create opportunites to improve your margins, using low cost  funding options, including blended funding
  • identify competitors’ pricing and market share
  • review and evaluate deposit pricing and price setting processes, as well as deposit products and mix
  • develop deposit scenarios including: modifing rates, comparing current and proposed strategies, marginal cost and profitability implications and back test past decisions
+ Core Dep

CORE DEPOSIT ANALYSIS

Identify opportunities to increase earnings and improve overall performance by evaluating the rate sensitivity of your deposit portfolio. Your Farin Advisor will provide recommendations to help you and your team take full advantage of your analysis results. Benefits include…

  • Understanding ALL depositors helps you allocate capital, manage risks and develop real relationships on both sides of the balance sheet that withstand rate cycles
  • Easy integration into Farin Foresight and most Asset/Liability models for analysis, forecasting, budgeting and reporting
  • Farin core deposit analysis meets regulatory compliance standards and helps you to pass exams quickly and efficiently
  • Analysis provides critical information for developing pricing  strategies to meet deposit growth objectives
+ Cred Risk

CREDIT RISK SERVICES

Your Farin Credit Risk Specialist will design custom credit risk management strategies to help you take and maintain control of all your possible risk factors simultaneously, meet heavy and ever-changing regulatory requirements, avoid costly mistakes and minimize losses. Our services include:

  • Regulatory Guidance for Stress Testing
  • Stress Testing Education, Design, Implementation, Review & Back Testing
  • Credit Risk Score/Dual Loan Grading Model Review
  • Exception Tracking and Reporting
  • Allowance for Loan and Lease Loss Calculations based on your current methodology and help prepare for the new CECL method
  • Loan Portfolio Stress Testing to uncover risks, like high concentrations of product or client types
+ Data Ware

DATA WAREHOUSING

We offer secure data warehousing to facilitate consistent, reliable data access for all your Farin web-based or Farin-Managed software products, including Insight Asset/Liability Management, iPrice Deposit and LoandEDGE Loan Pricing, FastGrade Loan Grading and Farin ALLL Calculators.

  • Your data is housed on our secure servers which are monitored 24/7
  • Easy “Do It Yourself” initial data upload or Farin- managed data upload available
  • Quarterly DIY or Farin-managed data updates
  • Utilizing the same data for all your solutions allows for more accurate reporting across all departments
  • Finding errors that may corupt results is efficient when using your common data sets and correction can be automoatically rolled into to all programs