Balance Sheet Management

The Bank:

Taylor Advisors began working with Union and Guardian Savings Banks (Cincinnati, OH) in the 1st quarter of 2012 in the area of balance sheet management.

The Challenge:

The banks were operating an ALCO process that could benefit from enhancements, including new tools and reports, to revamp and better document the process. Other areas for potential improvement included utilizing ALM reports as a management tool instead of simply for regulatory appeasement and formal ongoing training/education in interest rate risk and balance sheet management.

The Solution:

Taylor Advisors stepped in to help keep an eye on the risk positions, saving executive management time and resources that would be better served driving net income for the shareholders.

A Word from the Client:

“Taylor Advisors has been great. We work with Omar and Sasha quite a bit, and they are very sharp individuals. They’re very technical, and they have a high level of expertise in terms of investments, industry risk, etc.

It’s easy to get into the weeds with ALCO and interest-earning assets, and Taylor Advisors does a really good job of understanding a lot of the complex financial aspects and therefore allowing us to keep it simple. We’re a community bank and everyone wears a lot of different hats, and being able to dig into ALCO and interpret the results can take a lot of time. Having experts that can distill it for you and help you understand it and reconfigure your balance sheet makes it easier on us and is very useful; for that reason, I would definitely recommend them to other financial institutions.” -Mark

For details on the performance of Taylor Advisors’ investment advisory clients, please contact us at at or 502-412-2205.