Wilary Winn was recently interviewed for an article published in the July/August 2018 issue of Forward, a publication of the Financial Managers Society. The article, titled “Matchmaker, Matchmaker,” focuses on…
With all the ado being made about the CECL implementation – the two most important questions remain: How will it actually affect my existing allowance; and How can I use…
As we all well know, our beliefs about the world are shaped by our experiences. Like many of you, we have read numerous white papers on CECL and participated in…
For quite a while, it seemed that every change to GAAP was primarily directed at the financial institutions industry. While we in the industry have not been the recipients of…
We are about to enter our 15th year of business and I wanted to take the opportunity to thank our clients and our talented team. In many ways, it seems…
See our new whitepaper on Data Collection for CECL. Please also see our recently updated white papers on: Implementing the Current Expected Credit Loss (CECL) Model – includes an updated…
Asset and liability management (ALM) is the practice of managing the risks arising from mismatches between assets and liabilities on a financial institution’s balance sheet, while earning a return commensurate…
On September 30, 2014, the NCUA released Accounting Bulletin No. 14-1 regarding the revised reporting standards for modified loans classified as Troubled Debt Restructurings (TDRs). The bulletin was released in…
Discounted cash flow analysis is a common valuation technique and Wilary Winn uses this approach for nearly all of our services. To project lifetime cash flows for a loan, we…
By narrowly defining asset and liability management (“ALM”) as the process of monitoring, managing and anticipating the interest rate and liquidity risks that arise under various interest rate scenarios on…