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Hybarger & Associates

Serving Small to Mid-Size Community Banks for over Thirty Years

  • Who We Are
    • Firm's Founder and History
    • Officers
  • Who We Serve
    • Who Are Our Clients
  • What We Do
    • Asset / Liability Management >
      • Budgeting
      • Performance Analysis
      • Forecasting
      • Quality Control
      • ALM Board Reporting >
        • The Directors' Financial Digest
        • The Executive Management Series
        • The Account Level Forecasting Series
      • Alternative Planning Scenarios
    • Interest Rate Risk >
      • Reporting for Interest Rate Risk
      • Assumptions & Back-Testing
    • Portfolio Management & Accounting >
      • The InvestWise Reporting Series >
        • Portfolio Management Series
        • Financial Management Series
        • Econometric Series
      • "Total Return" Investment Strategy
    • Liquidity Risk Management
    • Capital Adequacy & Analysis
    • Dynamic Strategic Planning
    • Comprehensive Funds Management Policy
    • CECL Overview >
      • Historical Analysis
      • "Currently" Identifiable Risks
      • "Specific" Potential Risks
      • Potential "Future" Risks
      • Traditional Reserves vs CECL
    • General Consultation >
      • Holding Company Systems
      • Balance Sheet Pricing Strategies
      • Regulatory Reporting
  • What Our Clients Say
  • How We Interface
    • What happens when we become a Client?
    • How are Fees Determined?

Holding Company Systems

We can provide the tools you need to engage in a comprehensive planning effort at the Holding Company level

Most of our Clients have Holding Companies. Quite often, in the bank Holding Company environment, little true planning occurs beyond the initial approval process. This can be potentially disastrous if the subsidiary institution's financial performance waivers from the originally projected levels.

Our Firm can provide a detailed Capital & Dividend Plan that can be updated as often as monthly, but certainly after the new Budget is approved and the prior-year tax return is filed. Tax Planning is, of course, a critical element in the comprehensive planning effort that needs to occur at the Holding Company Level.
​

When properly coordinated with the maintenance of adequate Reserves for Loan Losses and Dividend Payout Ratios, Management can confidently move forward in the knowledge that they have a viable multi-year plan to service debt, provide for sufficient Reserve levels, and maintain adequate Capital Ratios.

Our Firm's Holding Company Forecasting & Reporting Systems, which we refer to as our MasterLink Series, provides a monthly and yearly detailed Balance Sheet configuration and Cash Flow Analysis which allows Management to move forward confidently in the knowledge that they have a viable Multi-Year Plan to service debt, provide for sufficient Reserves, and maintain adequate Capital Ratios.
​

This special reporting service includes General Consultation in the following areas:
  • 3, 5, & 12 Year Capital & Dividend Planning
  • Capital Adequacy Analysis
  • Capital Restoration Planning
  • Trust Preferred Issues
  • Dividend Planning
  • Tax Planning
  • Sub-S and C-Corp Planning
  • Board of Directors Planning Sessions

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  • Who We Are
    • Firm's Founder and History
    • Officers
  • Who We Serve
    • Who Are Our Clients
  • What We Do
    • Asset / Liability Management >
      • Budgeting
      • Performance Analysis
      • Forecasting
      • Quality Control
      • ALM Board Reporting >
        • The Directors' Financial Digest
        • The Executive Management Series
        • The Account Level Forecasting Series
      • Alternative Planning Scenarios
    • Interest Rate Risk >
      • Reporting for Interest Rate Risk
      • Assumptions & Back-Testing
    • Portfolio Management & Accounting >
      • The InvestWise Reporting Series >
        • Portfolio Management Series
        • Financial Management Series
        • Econometric Series
      • "Total Return" Investment Strategy
    • Liquidity Risk Management
    • Capital Adequacy & Analysis
    • Dynamic Strategic Planning
    • Comprehensive Funds Management Policy
    • CECL Overview >
      • Historical Analysis
      • "Currently" Identifiable Risks
      • "Specific" Potential Risks
      • Potential "Future" Risks
      • Traditional Reserves vs CECL
    • General Consultation >
      • Holding Company Systems
      • Balance Sheet Pricing Strategies
      • Regulatory Reporting
  • What Our Clients Say
  • How We Interface
    • What happens when we become a Client?
    • How are Fees Determined?