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Home/Benefits

What Sets Us Apart

Analysis Options
Cash Basis or/and Cash-Adjusted Accrual Analysis
Clear tracking of accrual adjustments
Owner Equity validation assures accurate calculations
Better Balance Sheets
Double-Columned Balance Sheet
Schedules with detail important to regulators and auditors
Quick entry feature when detail is not needed
Trend Analysis with flexible time periods
Balance Sheet trends with comparative analysis showcasing percentage and actual dollar changes over time
Ratios Linked to Pricing and Grading
Ratio Analysis including standard ratio’s such as the "Sweet Sixteen Plus"
Key measures of sensitivity involving income, expense, interest rate and collateral analysis
Ratio Dashboard page unique to your Bank
Credit Quality Risk Rating System; An accurate gauge of current credit quality and the direction the credit is headed
Customized risk rating
Loan Grading - Based on the Credit Risk Rating
Risk-based Pricing - Driven by credit quality, price appropriately based on risk and be competitive on desirable credits.
Value Added Tools
Deferred Tax Tool - Asset values fluctuate as do regulations such as Section 179; Monitoring the "Hidden Tax Liability" is critical; effective for conversations about estate and transition planning
Line of Credit Tracking Tool highlights the need for operating credit during the period and features an alert when operating credit exceeds the maximum
Collateral Analysis Tool available in individual Balance Sheet schedules
Loan Presentation Tool allows lenders to move quickly from analysis to documentation
What If Scenarios
Annual, quarterly, or monthly cash flow projections; jump-start the projection from several years’ average or last year.
Sensitivity Testing within the Cash flow when shocking income, interest rates, or expenses. Access to immediate pro forma ratio’s based on the projection.
Pro Forma Balance Sheet and Income Statement generation
What-If Analysis - generate projected scenario’s in unlimited numbers.
Variance Testing - the value of a cash flow projection is comparing it to actual results

Country Banker Systems

Making the decision

Commit to Enhanced Analysis and Better Decision Making: If your philosophy is already focused on in-depth, high level loan analysis, Country Banker will help you do it better.  The time invested will deliver superior results.  If you are just getting started with risk rating or ratio and trend analysis Country Banker is a great beginning. The program allows for analysis at a basic level or a robust level.  It has the flexibility to grow with you. 

Custom design

Analysis Features, Risk Ratings/Loan Grading/Pricing/Ratios and Loan Presentations Unique to You: From our basic platform, analysis features correlate with your current system, with ratios and measures for risk rating that are meaningful to you.  Our staff will help you decide how to make the system work for you and include the options you need. We can migrate your data from current customers into the Country Banker System for a smoother, quicker conversion.

On-Site training

Use Your Data at Your Location to Launch Country Banker: We come to your location for hands-on, self-paced instruction.  Your staff will become familiar with the system through input and analysis of your customer data.

Going forward

Installation, Training and Support on Your Schedule: Our staff will coordinate installation with your IT representative on your schedule. On-site training occurs when you are ready and can include multiple sessions if employee numbers dictate.  After installation, you have access to phone, online and on-site support as needed.  Additional program upgrades and customized features are an easy process.

"Our bank has been using the Country Banker product for almost five years. This product has added a deeper and more meaningful insight into the history and most likely future performance of our commercial and agricultural borrowers. For us, Country Banker ensures consistent analysis throughout the loan portfolio and enhances the level of understanding we have of our larger credits from the loan desk to the Board room. We believe this to be one of the best risk management decisions we have made. We recommend Country Banker without reservation."
Mark Williamson, President, West Texas State Bank, Snyder, TX

Agricultural Loan Analysis

Country Banker started with Agricultural Loan Analysis with the recognition that Ag lending is complex and making decisions based on tax returns has inherent weaknesses.  Driven by recommendations from the Farm Financial Standards Task Force, the system includes powerful options for including ratio and trend analysis and checks and balances to avoid an overdependence on either income statement or balance statement numbers.   

Commercial Loan Analysis

Many of the same ratios that are key to agriculture lending also apply to commercial credit. However, the source of the numbers is different and they are often calculated differently. With Country Banker, your lenders use the same tool in both cases and can easily retrieve and enter data due to the consistent system. You establish your own unique Commercial lending approach; which ratios to use, which trends to monitor and how to weight them for risk rating, but the tool is the same.

Consumer Loan Analysis

Multiple ways to view the consumer information!

Consumer Loans are often the smallest portion of your portfolio and the smallest loans in the portfolio, but they are key. Because of their link to your customer’s other debt they are important. They are also often the foundation of your relationship with a beginning customer. Country Banker allows for basic analysis of these loans when they stand alone, but with the linking analysis feature combined with super easy data merge, you can also see the impact of consumer debt on a borrower’s commercial or agriculture operation.

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