Core Deposit Studies
Analyzing your institution's historical deposit data, we can provide reasonable, defensible estimates of core deposit behavior. This information can be used in conjunction with managing assumptions used for income simulation, economic valuation, as well as core deposit valuations as part of purchase accounting rules (FAS141 / FAS147).

Loan Prepayment Studies
We can provide empirical support for prepayments used to model the bank's various loan products. Analysis includes a summary of historical trends in actual prepayment activity including curtailment, pay-offs and rate modifications.

Product Replacement Studies
To substantiate and help improve the accuracy of your replacement assumptions, we can analyze historical new loan and deposit activity.

FAS 141 Loan Valuations / Core Deposit Intangible (CDI)
To satisfy your purchase accounting requirements, we can value your newly acquired institution or branch.

Liquidity Review / Contingency Planning
Liquidity management is one of the most important facets of balance sheet management today – and a regulatory "hot button." We can assess the strength of your liquidity and liquidity risk management process and provide recommendations that will ensure a "best practices" approach is maintained.

Investment Portfolio Review
Using BondEdge™, we can provide a periodic third-party evaluation of your investment portfolio, including policy compliance, stress testing and market valuations, along with cash flows projected in various interest rate environments.

FAS 107
We can provide valuations of your balance sheet as part of your year-end disclosures.

FAS 159
Need help and guidance on implementing FAS159 (and FAS157)? Or do you need valuations performed on your hedge transaction? DCG can help.

Budget Modeling
Too busy or short on staff? DCG can provide customized budget modeling services to meet your needs – from single bank simulations to extensive cost-center or multi-bank holding company budgets - DCG has the staff and expertise to assist.

Interest Rate Risk or Risk Mitigation Modeling
Our ALM model services can be customized to fulfill any temporary or permanent need. These services range from periodic IRR model preparation to comprehensive strategic risk mitigation analyses.

Board & Management Education
We offer an extensive variety of educational programs that can be tailored to your institution's needs. Specific programs include:

* Director Series

• Banking Basics for Directors
• Balance Sheet Management Concepts for Directors
• Credit Risk Management Issues for Directors
• Strategic Planning Issues for Directors

* Management Sessions
(typically packaged together in 1/2 - 1 day sessions)

• Balance Sheet Management Concepts and
  Risk/Return Trade-Offs
• Developing Policies for Balance Sheet Management
• Liquidity Measurement and Management
• Interest Rate Risk Measurement and Management
• Role of Derivatives in Managing Interest Rate Risk
• Capital Measurement and Planning
• Preparing for Your Next Asset/Liability Management Audit/Exam
• ALM Model Stress Testing
• Auditing the ALM Model/Function
• Understanding Core Deposit Behavior
• Managing Core Deposits and Funding Costs in a Rising Rate Environment
• Supporting Longer-term Interest Rate Risk Decisions