We have had many requests from clients and regulators for the ability to use a custom budget. Although we have always had this option, the additional cost has been prohibitive for some clients. On this page, you have the ability to enter Targeted End-Of-Period Balances for you entire Balance Sheet at no additional cost. For reference, it may be beneficial to enter the Historical Actual EOP balances from your call report before beginning. Please note that if you enter any balances, you must complete the BALANCES FOR ALL QUARTERS. If a category is left blank, the default assumption is flat balance sheet, or no growth.
Additionally, you have the ability to enter the Floating Rate Pricing Spread. Fixed Rate loans are priced at 50 basis points above the floating rate pricing. If this relationship is not appropriate for your bank, you can enter your fixed rate pricing in the Notes field of the service kit (see below).
New Pricing rates for deposits should reflect the rate currently being paid on NOW, Savings, Money Market, Small and Large time deposits.
Income and Expense Items should be entered as a QUARTERLY figure for each labeled quarter. Again, please be sure that if you are entering this information, you fill in ALL QUARTERS.
Equity transactions should also be entered on a QUARTERLY basis, filling in with zeros where appropriate. Please note that the dividend figure should be entered as a TOTAL DOLLAR figure NOT per share.
If you enter an estimated Net Income Forecast, we can look for entries that might be out of sync to make sure that the forecast is as accurate as possible.
Please enter the number of FTE employees so that we can calculate a Salaries and Benefits per employee figure.
Finally, please enter a rate forecast. There are three options here:
1) Enter a projected rate forecast for Fed Funds
2) Enter a projected rate forecast for two distinct yield curve points; the 2 Year CMT and the 30 Year CMT, Or
3) Enter a projected rate forecast for Fed Funds AND the 2 Year CMT and the 30 Year CMT
Again you must complete ALL QUARTERS.
Forecast notes to the analyst preparing you reports is for any additional information that you would like to convey that does not fit in this file or information that has been requested by your analyst. We realized that as detailed as these inputs are, there isn't a spreadsheet large enough to encompass all possible scenarios that might occur in your bank. Here is where you can communicate the unique nature of you bank so that we can model appropriately.