Metaphorically, Lodestone looks at a bank’s income engine like a car’s engine.

Cars have 4, 6 or 8 cylinders that when running smoothly achieve peak performance. And like the car, a bank’s income engine can also achieve peak performance.

AEMSM Advanced Earnings Methodology
Lodestone works with senior management to increase annual earnings without raising fees & without reducing staff.  Lodestone’s AEMSM is an integrated analysis that penetrates deep to locate hidden income opportunities, such as correcting less profitable system settings to generate immediate income.
        
Merger & Consolidation - Determine the appropriate internal organization structure, the location for various deposit & lending activities and the required staffing level at all locations.  Identify improvements in procedures & workflow.  Identify data processing and other automation opportunities. 

Systems Analysis  white paper “Is your bank held hostage by your core banking system?”
Lodestone has considerable expertise on all core banking systems.  We know their capabilities & limitations so we know how you can get more out of them.  System Expertise:  Jack Henry Silverlake & 20/20, Miser, Metavante, Fiserv, Fidelity, Hogan ...    
        
Workflow Analysis - Improve business process by streamlining & standardizing working methods and improving availability of audit trails within your bank. Review & analyze: every function, systems, process steps, level of knowledge, reporting structure, etc.  Results are: right-sizing personnel, improved utilization of systems, improved customer service & internal communication, reduced redundancies & processing times, and improved reports to management.
        
80/20 LendingSM  inclusive of Credit Administration   
HSBC quote: “First, the branch footings grew in the number of business customers, assets, liabilities and non-fund income.  Second, the process change provided opportunities for branch managers to become more experienced in commercial lending. And finally, it reduced the workload of our senior credit officers, allowing them to focus on larger corporate customers.” 

Shahin Yield Calc.SM  - Our yield calculation takes the proven essential factors into account for approving new profitable loans in order to meet or exceed the corporate threshold yield.  Eliminating the “I think this is a good loan” factor in lending.