Assess & Improve Asset Quality

As we continue to work through these challenging economic times and experience significant change in the credit markets, it is important maintain and improve your asset quality.

Integrity 1st Financial will provide an assessment of your bank's current products and lending policies to ensure they are within the risk tolerance of today's banking industry. We will also make sure the bank maintains the margins necessary for adequate profit levels relative to the risk involved so you can continue to grow your bank and provide a positive return for your shareholders.

Integrity 1st Financial will complete a full review the bank's loan policies and procedures to make sure they comply with today's regulatory requirements for risk and safety. We will complete an assessment of bank's loan review reports and processes to verify the executive management team and board's recognition of possible loss and risk in the portfolio and make certain there is an adequate level of loan loss reserves funded to cover the potential for loss.

An assessment of all classified assets, non-performing loans, past due loans greater than 30 days and the bank's credit watch list will also be completed. The review will focus on determining if there is an adequate work out plan with realistic expectations for an exit strategy for recovery or restructuring of the loan. For loans where there is not a work out plan, we will work with a senior lender and executive management to establish an exit strategy for maximum recovery as quickly as possible.

On loans identified as wanting to be paid off by the bank, Integrity 1st Financial will work to try and sell the loans into the discounted loan investor pools that exist. If the credit has enough strength, Integrity 1st Financial will attempt to place the debt out of the bank. Integrity 1st Financial will receive a 1% fee from the bank if we are successful in getting the loan paid off within 180 days from date of engagement.

At Integrity 1st Financial, it is our goal to assist you in any way we can. Upon completion of a review of your current assets and your policies to maintain and expand your portfolio, we are confident we can help your bank succeed in today's challenging market.