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Current Bank Owned Life Insurance (BOLI) Portfolio Analysis

• Carrier Credit Analysis and Repositioning
• BOLI Liquidity Strategies
• BOLI Transition Strategies
• Bank Eligible Fund Evaluation
• Yield, Duration, Stable Value and Risk-Based Capital Analysis
• Detailed Cost Analysis
• P&L, ROA and ROE Analysis and Comparison

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BOLI Product Due Diligence

Mezrah Consulting has an extensive due diligence process that involves exploring the most competitive BOLI products available in the marketplace. This analysis includes all cost components and funds available specific to various carriers within a BOLI structure. Additionally, a detailed cost analysis is completed, all carrier investment options including carrier fund performance are evaluated and the overall financial strength of each carrier is provided.

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BOLI Annual Review and Compliance

BOLI Reviews are delivered on an annual basis to ensure the Bank remains in compliance with OCC 2004-56. The review offers a comprehensive assessment of the liquidity, transaction/operational, tax and insurable interest, reputation, credit, interest rate, price, and compliance/legal risks associated with the BOLI investment.

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Bank Captive Consulting

Mezrah Consulting works with banks to identify the value add of creating a captive insurance company to insure the business risks of the bank. Our focus is on identifying the most appropriate captive structure, costs, and business risks given a bank’s objectives and financial focus. Compliance, implementation, and on-going administration are also discussed as part of our thoughtful and diligent process. Creating a captive, if structured appropriately, can provide a bank with additional capital annually.

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CRA Investment Test Credit

Mezrah Consulting is focused on working with banks to satisfy the investment test aspect of their CRA requirements. To that end, Mezrah Consulting has partnered with NCRC (National Community Reinvestment Coalition) to create an opportunity for banks to invest in a municipal bond fund called the CRA Muni Fund, through a partnership focused on identifying municipal bonds that are considered CRA eligible that have competitive yields with strong credit.

Mezrah Consulting, along with NCRC, has also developed a second CRA investment opportunity, the NRI Fund. This investment fund is focused on providing benefits in low to moderate income areas while providing banks with a competitive tax-favored return and CRA investment test credit.

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