RDK & Associates, Inc. can perform the bank’s quarterly Allowance for Loan & Lease Loss analysis. Our analysis contains two separate assessments covering the following:
- Migration calculation of historical losses for the various loan categories performed annually.
- Analysis of the adequacy of the bank᾿s ALLL based on FAS 5 and FAS 114 guidelines, loan portfolio trends, and outside qualitative factors supported by economic data.
Upon completion of each quarterly review, RDK provides a report covering the ALLL. Each report will contain documentation specific to the requirements of the Interagency Guidelines for the ALLL published 12-06, FAS 5 and FAS 114.
