Treasury Management

Treasury Management Services, Inc. acts as an advisor to the treasury function of your institution. These services include asset/liability management, investment portfolio management and funds management. The level of service is determined by the organization. It can be high level with training available to the Board of Directors and/or Executive Management in each of these areas to a more detailed level of working with the chief financial officer or controller to assist in developing strategies dealing with the treasury functions. Because Treasury Management Services, Inc. is an objective third party in the process, we will seek the best strategies and systems available in the marketplace to meet your institution's unique needs.

Proactive Asset/Liability Management

Rather than providing asset/liability management to the institution to just meet regulatory needs, Treasury Management Services, Inc. assists in developing a management mindset to actively manage the institution's assets and liabilities under guidelines acceptable to the Board of Directors and Executive Management. Included in this process is ensuring a complete understanding of the dynamics of asset/liability management best practices.

  • Assist in the definition and design of the asset/liability management process
  • Develop and implement net interest margin enhancement strategies
  • Assist in establishing and maintaining asset/liability management policies and procedures
  • Third party review of the asset/liability management process as required by regulation
  • Provide techniques for the measurement of liquidity, capital adequacy and interest rate risk
  • Review and implement both on- and off-balance sheet strategies
  • Market pricing, measurement, approach and procedures
  • Assist in providing management and board of directors with asset/liability management reports and analyses
  • Management and board of directors presentations to broaden understanding of the make-up and dynamics of the institution's balance sheet
  • Available for responding to questions that may arise concerning asset/liability management matters

Investment Portfolio Management

The investments that are eligible to be included in a financial institution's portfolio are many. Treasury Management Services, Inc. assists the financial institution in understanding not only what the characteristics of the various products are that can be acquired, but also how they can be used to be a compliment to the rest of the bank's balance sheet. The service can range from assisting in understanding the nature of bank qualified investments and setting bank investment strategy to assisting in the purchasing and selling process.

  • Assist in developing investment policies customized to the individual institution's needs
  • Structure the investment portfolio to meet specific asset/liability and income needs
  • Monitor financial markets
  • Maximize the investment portfolio income by capitalizing on yield spreads while maintaining future cash flow needs
  • Monitor the institution's tax position and make recommendations to improve after-tax income
  • Monitor and report any regulatory changes dealing with the investment portfolio
  • Assist in providing management and board of directors with investment portfolio reports and analysis
  • Ensure preservation of capital with on-going credit research on each security
  • Management and board of directors presentations to broaden understanding of the make-up and purpose of the investment portfolio
  • Act as liaison between the financial institution and brokerage community
  • Available for responding to questions that may arise concerning management of the investment portfolio

Funds Management

Funding sources for financial institutions has changed dramatically over the past few years from traditional deposits to various alternative sources. How those can be used in the financial institution of today to meet the needs of the balance sheet are explored, guidelines and policies established and implemented with the help of Treasury Management Services, Inc. This requires total understanding on the part of the Board of Directors and executive management, which can be included, as needed, by the personnel of Treasury Management Services, Inc.

  • Work with management in establishing and maintaining funds management policies and procedures
  • Development of methods to ensure reserve requirement minimization
  • Investment of short-term funds while maximizing yield while maintaining credit quality
  • Develop and implement a contingency liquidity plan
  • Assist in development of strategies to secure most cost effective short-term funding
  • Assist in acquisition of long-term funding
  • Assist in providing the institution's management and board of directors with funds management reports and analyses
  • Available for responding to questions that may arise concerning management of the the funding position of the financial institution

Proactive Asset/Liability

Investment Portfolio

Funds Management

Request for Services

Proactive Asset/Liability Management

Investment Portfolio Management

Funds Management

2004 Treasury Management Services, Inc.