We help you develop a plan for capital structure to maximize growth and earnings potential while satisfying regulatory compliance. Based on your growth expectations and our assessment, we draw conclusions regarding your capital adequacy over a multi-year framework. We recommend the type, and structure of capital instruments including common stock, preferred stock, Trust Preferred Stock, debentures and warrants.
Our aim is to improve the market performance of your stock through developing strategies for cash dividends, stock dividends and option plans. We compare the behavior of your stock with peer institutions and recommend appropriate initiatives to enhance investor interest.
We help you access private sources of capital through assistance in identifying institutional and individual investors. We construct a private placement memorandum for qualified investors and help source the needed amount of capital on terms and conditions acceptable to you.
We help you improve financial decision-making by analyzing the best way of procuring physical facilities (such as office buildings) or fixed assets (such as computers). We perform the lease-buy analysis for you. We then expedite the process through locating private investors.
Our intention is to improve your financial decision-making by analyzing the return on investment (ROI) from acquiring new equipment and/or facilities. We help you minimize expenses through analyzing the lease vs. purchase preference.
We help you enhance your return on your securities portfolio by developing improved investment / trading strategies. We analyze and price your securities portfolio and assess its suitability in light of your overall asset / liability structure and interest rate risk profile.
We provide financial advisory and executory services in helping you purchase branch offices and their loans and deposits from other institutions. We determine the economic value of the deposit pool being purchased and determine an appropriate pricing and negotiating strategy. We superimpose the purchase of the branch(es) on a financial forecast of your institution and determine the incremental impact on profitability, leverage and liquidity. We represent you in the negations with the seller. We provide you with a fairness opinion concerning the terms and conditions of the purchase. In conjunction with you, we help prepare the bank regulatory application for the transaction.
We supervise the process of selling your branches including the deposits and loans to other financial institutions. In conjunction with you we develop a list of potential buyer institutions and contact them. With your staff we assemble all appropriate data on the particular branch offices and create a private placement memorandum for use by the approved list of buyer institutions. We supervise the bidding process and the due diligence performed by the interested buyers. We represent you in the negotiations with these institutions. We evaluate and prioritize bids from these potential buyers and recommend to you a particular course of action. We provide you with a fairness opinion on the final terms and conditions of sale.