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Profitability, Reporting, & Pricing

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ProfitStars® Financial Performance Suite℠​


ProfitStars® Customer Profitability & Pricing​

Having the right knowledge, tools, and processes in place to maximize profitability and effectively price new business opportunities is key to improving the performance of your institution. The new Customer Profitability & Pricing module of the ProfitStars Financial Performance Suite offers your financial institution (FI) superior, accurate information to make better financial decisions in an ever-changing world. Our customer profitability and pricing customers have consistently outperformed their community bank peers. Over the past five years we have consistently delivered 6-10bp in additional net interest margin (NIM) and in 2015 our clients outperformed their peers by 9.99 bp. These enhanced NIM results are outstanding and were the key factor in delivering high profits and ROE’s. This hosted solution also provides unprecedented convenience with 24/7 anywhere access, utilizing a secure, cloud-based platform that is easy to use and empowers you to put valuable profitability and pricing insights to work.​​​​​​​​​​​​​​​​​​​​​​​​​​​

​ProfitStars®​ Financial Performance Suite: CECL DataStore and Validation

ProfitStars is pleased to offer a hosted database tool that helps financial institutions (FIs) of any size and charter comply with the Current Expected Credit Loss, (CECL), regulations passed by the Federal Accounting Standards Board in June 2016. This regulation requires FIs to change the way they account for loan losses, mandating that they recognize the probability of loss at the origination of the loan and continue this recognition through the life of the loan.

What does this mean for my Financial Institution?

  • You will immediately need to begin to evaluate the existence of the necessary data held in disparate systems within your institution, and determine how to access and use that information to achieve compliance, as well as to drive greater profitability.
  • It is probable that you will need to significantly change the type and amount of loan information your FI gathers, tracks, and reports. This impacts many departments in an FI—IT, all lending functions, the board of directors and executive management, risk management, policy management across departments.

Essentially, the CECL DataStore and Validation solution provides your FI with an efficient solution and process for categorizing historic loan data, without the distraction and cost to build your own tool. Our robust product compiles historic loan data, provides validation that the data required to calculate ALLL (allowance for loan and lease losses) has been received, and provides the ability to export all data in a standardized format.

Learn more about CECL by downloading our valuable white paper “The Timeline for Implementing CECL has Already Begun" The time to act is NOW!​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​

Know Your Bottom Line
ProfitStars Financial Performance Suite arms you with the data you need to determine who your most valuable clients are and helps ensure your pricing and rates yields the highest profits for your institution.​​