CBONE Data aggregation
CUONE is designed for storage, retrieval, and management of all financial and loan portfolio and performance data credit data for a Community Bank. CBMAN continuously uploads data from the community bank’s core system and loan systems including historical data going back 10 years. CBMAN One SourceTM eliminates the need for multiple data storage locations, files and spreadsheets. It also eliminates the hassle of multiple emails and spreadsheet versions. Most importantly all CBMAN users (including Management, Board Members and Examiners) have access to the same information that is continuously kept current.
DATA CENTRALIZATION -1
Where is my data? Is it current? Does everyone have in the community bank, Board and NCUA Examiner have the same data
| Data/Information | Current Assumed State | Future State |
|---|---|---|
| Golden Source | General Ledger | Same |
| Investments/Bond Prices /Valuation | External Provider PDF Reports | Same |
| Loans – Individual Contract Level | General Ledger / Core System | GL mirrored in CBMAN |
| Deposits – Individual Contract Level | General Ledger / Core System | GL mirrored in CBMAN |
| Derivatives – Individual Contract Level | General Ledger / Other | GL mirrored in CBMAN |
| Other Balance Sheet Line Items | GL / MS Excel | GL mirrored in CBMAN |
| Budget Scenarios | MS Excel / External Provider PDF Reports | CBMAN |
| ALCO Minutes | MS Word | CBMAN |
| ALCO Data | Spreadsheet | CBMAN |
| CBMAN Package | MS Word / PDF | MS Word linked to CBMAN |
| CBMAN Policy Monitoring Report | MS Excel / MS Word / Other | CBMAN |
| Liquidity Coverage Ratios | MS Excel / Other | CBMAN |
DATA CENTRALIZATION -2
| Data/Information | Current State | Future State |
|---|---|---|
| Utilized Deposits | MS Excel / Other | CBMAN |
| Pledge Securities | MS Excel / Other | CBMAN |
| IRSA Shocks | MS Excel / Profit star | CBMAN Scenario Manager |
| EVE Shocks | MS Excel / Profit star | CBMAN Scenario Manager |
| Investment Total | MS Excel / Other | CBMAN |
| Capital Ratios | MS Excel / Other | CBMAN |
| Derivative Mark-to-market/reporting | MS Excel / Other | CBMAN |
| Yield Analysis | MS Excel / Other | CBMAN |
| Backtesting | MS Excel / Other | CBMAN |
| Goodwill Impairment | MS Excel / Other | CBMAN |
| Investment Reports | MS Excel/PDF/External Providers | CBMAN |
| Policy Exception Reporting | MS Excel/PDF/External Providers | CBMAN |
DATA CENTRALIZATION -3
| Data/Information | Current State | Future State |
|---|---|---|
| Investment Risk Monitoring Reports | MS Excel / PDF / External Providers | CBMAN |
| Capital Ratios | MS Excel / PDF / Business Analytics | CBMAN |
| Capital Projections | MS Excel | CBMAN Scenario Manager |
| Liquidity Reporting All fields | MS Excel | CBMAN Scenario Manager |
| Contingency Funding Plan | MS Excel / Word | CBMAN |
| Regulatory Stress Test | MS Excel / Word | CBMAN |
| Interest Rate Risk Reporting | MS E | CBMAN |
| Pricing Review All fields | Bank Coach | CBMAN Competitive Rates Monitor (GCRM) |
| ALCO Policy Review | MS Excel / Word | CBMAN |
| Board Reporting | MS Excel / Word | CBMAN |
| Competitor / Peer Analysis | Not currently used (S&P) | CBMAN – GPA Module |
| Investment Portfolio Risk Reports | External Providers | Can be integrated into CBMAN |
