A walk through the product

Eleven steps through the five workspaces a community bank chief executive uses to monitor, decide and communicate. The product runs in the window beside this column; each step loads the part it is about.

Step 8 of 11

Credit quality and liquidity limits

Two panels. Credit quality gives nonperforming loans, charge-offs, allowance coverage and past due 30+, each against a year earlier and over twelve months. Liquidity lists loan-to-deposit, liquid assets, FHLB availability, brokered and uninsured deposits — each printed against the limit it must stay inside.

These are the numbers an examiner opens with, and each is shown next to its limit — loan-to-deposit at 84.46% against a 95% board limit — so you know the headroom before the question is asked. The brief raises a limit while it is still being approached, not after it has been crossed.

Look atThe liquidity panel on the right, and the limit printed under each label.

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