BankProforma consults and provides key management tools that empower bankers to master their balance sheet, tightly control risks, and push profits higher. Through Asset/Liability Management consultation we analyze your balance sheet to identify key profit opportunities and critical elements of interest rate risk; then structure solutions that have a positive impact on the bottom line. Based on over 35 years of total community banking experience, 18 years of asset liability management and bank board experience, 10 years as CEO, and countless years of regulatory interactions, I recognized the need for a better management tool and the BankProforma Excel-based model was born. The BankProforma glass box approach was designed so that management could see their data, their key driver assumptions and the mechanics of how the model calculates and see immediate results. The typical black box models were designed decades ago, their logic is largely hidden and the results are difficult to integrate into the bank’s financial planning system.