What Sets Us Apart

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

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 year’s 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 number.
Variance Testing - the value of a cash flow projection is comparing it to actual results