Policies

The sample policies below are designed to provide you with a structured format to organize and develop your internal financial risk management guidelines.

Asset/Liability Management Policy

The purpose of this policy is to set forth operating parameters and procedures that guide the administration of a bank’s asset/liability management function. A bank should view Asset/Liability Management (ALM) as the ongoing process of formulating, implementing, monitoring, and revising asset/liability allocation strategies to achieve the bank’s short-term and long-term financial objectives in concert with identified risk tolerances and constraints. The procedures set forth in this policy will be followed by Performance Trust’s operating personnel when implementing a bank’s ongoing ALM objectives and strategies.

Bank Investment Policy

The purpose of this investment policy is to set forth operating parameters and procedures that guide the administration of a bank’s investment portfolio. The procedures set forth in this policy will be followed by Performance Trust’s operating personnel when implementing a bank’s investment portfolio objectives and strategies. The investment portfolio will be managed in a way that maximizes long-term performance potential and remains consistent with a bank’s individual asset/liability management and liquidity guidelines.

Credit Union Investment Policy

The purpose of this investment policy is to set forth operating parameters and procedures that guide the administration of a credit union’s investment portfolio. The procedures set forth in this policy will be followed by Performance Trust’s operating personnel when implementing a credit union’s investment portfolio objectives and strategies. The investment portfolio will be managed in a way that maximizes long-term performance potential and remains consistent with a credit union’s individual asset/liability management and liquidity guidelines.

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