• From gathering data to assessment to calculations to reporting, the Loan Loss Analyzer reduces this most critical of bank calculations to the execution of a simple, streamlined procedure.

• The Loan Loss Analyzer identifies impaired loans based on your bank’s criteria and performs all calculations so you can spend your time analyzing your portfolio and deciding on appropriate loss reserves levels.

• The Loan Loss Analyzer locks in your historical data. External and internal factor values are password-protected, for objective, consistent reports.

• The Loan Loss Analyzer eliminates subjective determinations and the potential for error common to manual methods of compiling loan data and estimating loan loss ratios.

• Captures loan data consistently through an automatic download from the core loan application and from all locations in distributed environments.

• Automates pooling FAS 5 loans based on the bank's specific pooling methodology.

• Captures and stores historical loss information for five years while providing multiple loss averaging options for the ALLL calculation.

• Automates segmenting loans for FAS 114 impairment reviews.

• Provides individual FAS 114 impairment reports for loans designated as impaired.

• Complies with all Generally Accepted Accounting Principles (GAAP).

• Captures and risk rates the qualitative and environmental factors required for ALLL calculation.

• Provides a comprehensive calculation tool that incorporates FAS 5 and FAS 114 reserves.

• Provides reports that present final ALLL calculations in concise and easy to read formats, including single-sheet quarterly summaries.

• Maintains all the documentation necessary to support the bank's calculations.