1. FINANCIAL MANAGEMENT GUIDANCE
CJL QUANTUM ANALYTICS (916) 952-2691
Professional Bank Financial Management Services cliff.leiker.CJLQA@gmail.com
Cliff J. Leiker Jr.
Manager, CPA, MBA
10 Years Bank Examiner/Analyst 10 Years Bank Officer
7 Years Bank Consultant 300+ Banks Served
Customized Peer Risk Evaluation &
Performance Comparison
 Compare your bank’s performance and risk against the competition in
regard to capital, asset quality, earnings, liquidity, and rate sensitivity
(CAELS) as measured by the UBPR.
 Benefit — know how your bank measures up in your market area and
identify ways to improve performance in relationship to the competition.
NIM Fine-Tuning  Easily improve your bank’s ROA by 5 to 10 basis points by modifying
the balance sheet mix by 5% to 10%.
 Benefit — a cost effective and easy way to improve profitability.
ALM Guidance / Review  Provide guidance on how to reduce risk exposure and insulate the NIM
from interest rate fluctuations.
 Provide guidance on developing natural hedges within the balance
sheet.
 Provide guidance on establishing synthetic hedges.
 Benefit — easily insulate net interest income from wild fluctuations,
caused by shifting interest rates.
IRR Model Review/Validation  Independently validate model calculators, methodology, assumptions,
and perform back-testing analysis.
 Provide model guidance.
 Benefit — confirm soundness of model assumptions and accuracy, as
well as independent suggestions designed to improve the overall mod-
eling process.
Bond Portfolio Advising / Review  Provide guidance on improving portfolio performance.
 Independently evaluate performance and risk.
 Benefit — improve portfolio management by increasing overall portfolio
yield, shorten durations, and reduce overall portfolio risk.
Acquisition Target Identification  Provide access to buyers and sellers.
 Provide guidance on the selection process.
 Benefit — grow or sell your bank, loans, or deposits.
Acquisition Due Diligence Guide  Provide guidance on bid development and valuation.
 Provide support on performing balance sheet and loan portfolio due
diligence prior to price finalization.
 Benefit — grow or sell your bank at an optimal price.
Bloomberg Analytics  Perform pricing, yield, duration, and interest rate risk analysis on exist-
ing bonds or potential buy/sell trades.
 Benefit — Cost savings over the terminal lease rate and virtually unlim-
ited requests (within reason).
Bank Stock Valuation  Estimated stock valuation, given net income, balance sheet, and re-
quired rate of return data.
 Benefit — management will know what the bank is worth and potential-
ly share this data with the shareholders.
Quarterly Economic Newsletter  Benefit — discover the impact of the money supply, implied yield curve,
GDP, and exchange rates on our country’s economy and your bank.