i-Reserve was developed to increase the efficiency and accuracy of an institution’s management of the Loan Loss Reserve (ALLL). i-Reserve simplifies current manual processes using data downloads, spreadsheets and supporting documents. We have provided a core integrated solution that allows you to determine your General  (FAS5), Specific (FAS114), and other reserves. Features of the i-Reserve system are:

• Core System Integration (Loans, Collateral, Charge-Offs & Recoveries)

• Monthly Reconcilement of Charge-Off & Recoveries to General Ledger

• Calculation of Historical Loss Rates (Average and Migrations)

• Institution Definition of Qualitative Adjustment Factors

• Online Documentation of Qualitative Factor Adjustment

• Calculation of General Reserves (FAS5) Utilizing Historical Loss, Qualitative Adjustments, Risk Rating and Other Statistical Measures

• Calculates Specific Reserves (FAS114) Utilizing Collateral or Net Present Value of Cash Flows

• Comprehensive Reporting