Financial Strategies

Northland provides expert analysis for financial institution clients as they manage fixed income portfolio risk and identify opportunities for enhancing returns.

Our specialists can help evaluate portfolio performance in various market environments, including “what-if” scenarios on interest rate changes, and the effect of proposed purchases/sales. We also provide an extensive selection of customizable reports which can identify some of the portfolio’s current risk characteristics, project future cash flows, or show how the institution is performing relative to others within the peer group.

treasury-fraud-web_aug-2024 - 1

Asset / Liability Management

Northland offers asset / liability management reports to perform mandated regulatory analyses and reporting of interest rate risk for both income-at-risk and value-at-risk metrics. The reports also can show the impact of numerous interest-rate scenarios and strategies on the entire balance sheet and income statement.

Our tools can strengthen your budgeting and planning with liquidity analysis, capital projections, and income forecasts. Concise summaries with effective graphic presentations can assist in presentations to the Board of Directors when reviewing the overall position and risks of your institution.

Learn More

Bond Analytics & Strategies

Our specialists review portfolio fundamental characteristics and risk analytics, including sector distribution, ratings, call features, fixed versus floating rates, effective duration, convexity, book and market values, and unrealized gains/losses. We analyze book yield runoff to anticipate changes to book income from the bond portfolio, and prospective bond swaps and overall portfolio strategy “what-ifs” scenarios.

The reporting created incorporates unique characteristics of municipal bonds into interest rate risk analysis, such as “discount taxing” and its effect on municipal bond price movement for any given interest rate change. It also projects future portfolio cash flows in varying future interest rate scenarios. This makes it easier to communicate key information to senior management and/or the Board of Directors with easy-to-read summary data, charts, and graphs.

Connect with an Expert

Municipal Bond Credit Support

Northland can assist you with tailoring your credit review process — in order to make well-informed decisions and to create appropriate documentation for regulators.

We provide an initial credit summary for municipal bonds at the time of purchase and obtain updates on securities requiring more thorough review on an ongoing basis. We connect you to resources you need and can provide expertise in evaluating and understanding issuer financials and credit fundamentals.

Connect with an Expert

Investment Accounting Services

Northland provides comprehensive investment accounting solutions to help you manage, report, and analyze your bond portfolio with confidence.

Our service is powered by the InTrader system, delivering accurate accounting, pricing, and reporting through a secure, web-based platform. You receive timely, detailed reports that support:

  • General ledger entries
  • Tax and regulatory reporting
  • Portfolio analysis and performance monitoring
  • Management and decision-making insights

Our portfolio accounting capabilities are designed to align with Generally Accepted Accounting Principles (GAAP), including accurate reporting of principal accretion and amortization, along with security interest accrual and payments.

We provide detailed information on the financial characteristics of your fixed-income securities, including coupon rates, payment schedules, rate resets, call features, maturities, and mortgage-backed security factors. Customizable reporting options allow you to easily track:

  • Interest accrual and cash flow reconciliation
  • General ledger activity
  • Unrealized gains and losses
  • Key portfolio performance metrics

Each institution, regardless of size, receives monthly reporting designed to simplify portfolio management and enhance visibility into investment activity. Existing clients can access their reports anytime by logging in to InTrader using the Log In button in the top right corner of the page.