Financial Performance

FIMACMountain A/L© provides your institution with an easy to use platform for asset liability management and interest rate risk.

  • Use your general ledger to setup Chart of Accounts for modeling, analytics and reporting.
  • Instrument level modeling, analytics and reporting using your deposit, loan and securities sub-ledger assigned and reconciled to general ledger.
  • Modeling, analytics and reporting against the general ledger or its associate sub-ledger.
  • Use transactions to setup processing between Balance Sheet and Income Statement.
  • Use assumptions for Deposit Decay, Prepayment, Credit Loss and others to project and forecast financial performance.
  • Define rate environments using published market data or user defined indexes and rates.
  • Model rate scenarios using price beta’s and rate movements defined as  shocks, ramps or alternative rate movements to project and forecast rate environment.
  • Define strategies using rate scenarios, risk based capital and general ledger assumptions to project and forecast financial performance.
  • Use valuation methodologies to assess value using cash flows and market prices
  • Analytics and reporting to assess Economic Value of Equity (EVE) / Net Equity Value (NEV)
  • Analytics and reporting to measure Net Interest Income, Net Interest Margin  and Net Income
  • Analytics and reporting to measure Earnings Sensitivity and Interest Rate Sensitivity

Risk Analytics ALM Model provides your institution with an easy to use platform for asset liability management and interest rate risk.

  • Assess interest rate changes and impact to cash flows for assets and liabilities.
  • Assess rate changes and impact to capital valuation.
  • Cash-on-cash dynamic income simulation
  • Net equity value model for interest rate stress test scenarios up to 400 basis points.

A/L Reporter utilizes capabilities of Risk Analytics ALM Model to provide small institution with an easy to use platform for asset liability management and interest rate risk.

  • Offers use as a service-bureau
  • Provides dynamic income simulation projections for net interest income as well as NEV under different rate stress scenarios.
  • Utilizes data from NCUA 5300 Call Report and Automated Integrated Regulatory Examination System (AIRES).
  • Assess interest rate changes and impact to cash flows for assets and liabilities.
  • Assess rate changes and impact to capital valuation.
  • Cash-on-cash dynamic income simulation
  • Net equity value model for interest rate stress test scenarios up to 400 basis points.

Balance Sheet Manager (BSM) provides your institution with an easy to use add-on to Risk Analytics ALM Model to perform “what-if” scenarios.

  • Measure impact of a balance sheet management decisions through “what-if” simulation.
  • Test balance sheet management strategies and ideas through “what-if” simulation.
  • Select the strategy that offers the optimal risk and return profile.

Cash Sources and Uses provides your institution with an easy to use add-on to Risk Analytics ALM Model to perform liquidity analysis.

  • Use operational and contingency cash flow assumptions to create  liquidity stress scenarios.
  • Evaluate liquidity coverage ratio results for the next 12 months.
  • Plan contingency scenarios for borrowing and funding, deposits runs, or other liquidity stress scenarios.