--- title: Plansmith Blog | IRR (2) description: IRR | (2) --- [CALL TOLL-FREE 1-800-323-3281](https://www.plansmith.reachproductions.net/project/call-toll-free-1-800-323-3281/) [![Plansmith](https://blog.plansmith.com/hs-fs/hubfs/Plansmith-Logo.png?width=764&height=135&name=Plansmith-Logo.png "Plansmith")](https://www4.plansmith.com) - Solutions - [Budgeting](https://www4.plansmith.com/budgeting/) - [ALM](https://www4.plansmith.com/alm) - [ALM Advisory Services](https://www4.plansmith.com/alm/advisory-services/) - [CECL](https://www4.plansmith.com/cecl/) - [Strategy](https://www4.plansmith.com/strategy/) - [Market Intelligence](https://www4.plansmith.com/market-intelligence/) - Products - [StrategyGPS](https://www4.plansmith.com/strategygps/) - [Compass](https://www4.plansmith.com/compass/) - [BankersGPS](https://www4.plansmith.com/bankersgps/) - Resources - [Blog](https://blog.plansmith.com/) - [Videos](https://plansmith.wistia.com/projects/7qemazkqii) - [Compass Tutorials](https://info.plansmith.com/compass-tutorials) - [Lunch N’ Learn](https://info.plansmith.com/lunch-n-learns) - [Webinars](https://www4.plansmith.com/webinars/) - [About](https://www4.plansmith.com/about/) - [Schedule A Discovery Call](https://www4.plansmith.com/contact-us/) - [CALL TOLL-FREE 1-800-323-3281](tel:8003233281) # Plansmith Blog ## [Ask an Expert: Top Priorities for 2024](https://blog.plansmith.com/ask-an-expert-top-priorities-for-2024) Posted by [Dave Wicklund](https://blog.plansmith.com/author/dave-wicklund) on 1/9/24, 1:01 PM - [Tweet](https://twitter.com/share) [![alm-irr-priorities](https://blog.plansmith.com/hubfs/Budgeting%20Postcard%20Bleed%202023.10.05%20(1).png)](https://blog.plansmith.com/ask-an-expert-top-priorities-for-2024) **"Which measurements would you put highest priority on in 2024?"** I’d say that Net Interest Margin (NIM) changes and Economic Value of Equity (EVE) should continue to be the primary focus of IRR management in 2024. Gap calculations rarely give the full picture (focused on timing of reprice, and not magnitude), and Duration measurements can be difficult to understand. Given the extreme rate increases in the past two years and the bank failures in 2023, all financial institution managers and directors should have a clear understanding of how future market rate changes could impact both shorter-term earnings (aka the NIM in the next one and two years) and longer-term capital values (aka the EVE). [Read More](https://blog.plansmith.com/ask-an-expert-top-priorities-for-2024) ## [Three Considerations for Rising Rates in 2022](https://blog.plansmith.com/three-considerations-for-rising-rates-in-2022) Posted by [Dave Wicklund](https://blog.plansmith.com/author/dave-wicklund) on 5/3/22, 9:46 AM - [Tweet](https://twitter.com/share) [![alm](https://blog.plansmith.com/hubfs/ALMIRR%20PostcardBleed2022.04.4.png)](https://blog.plansmith.com/three-considerations-for-rising-rates-in-2022) The Fed has officially raised rates, with the intention of continuing to do so several more times this year. What does that mean for your financial institution, and how will it affect your Budgeting and ALM/IRR programs in 2022? Let’s focus on a few areas of concern, specifically Financial Reporting, Strategic Decision Making, and Board/ALCO oversight. [Read More](https://blog.plansmith.com/three-considerations-for-rising-rates-in-2022) ## [Negative Interest Rates Explained](https://blog.plansmith.com/negative-interest-rates-explained) Posted by [Dave Wicklund](https://blog.plansmith.com/author/dave-wicklund) on 11/2/20, 9:14 AM - [Tweet](https://twitter.com/share) [![](https://blog.plansmith.com/hubfs/stock-1863880_1920%20(1).jpg)](https://blog.plansmith.com/negative-interest-rates-explained) Given the current low-rate environment, I’ve again been getting some questions on “negative rates” and the impact they would have on financial institutions, and more specifically interest rate risk modeling. We’ve all heard about negative rates in Japan and parts of Europe, so it would seem reasonable to wonder about the impact that negative rates could have here in the U.S. [Read More](https://blog.plansmith.com/negative-interest-rates-explained) ## [Key ALM/IRR Activities to Perform in 2020](https://blog.plansmith.com/key-alm/irr-activities-to-perform-in-2020) Posted by [Dave Wicklund](https://blog.plansmith.com/author/dave-wicklund) on 4/22/20, 9:09 AM - [Tweet](https://twitter.com/share) [![](https://blog.plansmith.com/hubfs/laptop-3190194_1920-1.jpg)](https://blog.plansmith.com/key-alm/irr-activities-to-perform-in-2020) Given the historic low U.S Treasury rate environment and the recent 150 basis point near-immediate drop in rates, we’re expecting an increased regulatory focus on interest rate risk (IRR) and liquidity management. It’s no doubt that financial institutions will see pressure to not only reforecast their 2020 budgets, but also to run future IRR shocks and more custom “what-if” scenarios as part of their regular IRR modeling program. Liquidity management and stressed-scenario cash flow modeling are also more important now than ever. [Read More](https://blog.plansmith.com/key-alm/irr-activities-to-perform-in-2020) ## [Communicate Your Numbers Like a PRO!](https://blog.plansmith.com/communicate-your-numbers-like-a-pro) Posted by [Jennifer Mello](https://blog.plansmith.com/author/jennifer-mello) on 3/4/20, 11:16 AM - [Tweet](https://twitter.com/share) [![](https://blog.plansmith.com/hubfs/Picture1.png)](https://blog.plansmith.com/communicate-your-numbers-like-a-pro) I know my numbers, but how do I communicate them to others within my organization? It’s a valid question that Plansmith fields regularly from our clients. We’ve got some answers for you. Everyone relates to numbers, no matter who you're talking to, but not everyone reads them in the same way. So, how do you make the most out of your conversations with everyone who needs to relate to the same numbers? [Read More](https://blog.plansmith.com/communicate-your-numbers-like-a-pro) ## [Regulatory Expectations: IRR & Liquidity](https://blog.plansmith.com/regulatory-expectations-irr-liquidity) Posted by [Dave Wicklund](https://blog.plansmith.com/author/dave-wicklund) on 11/6/19, 10:51 AM - [Tweet](https://twitter.com/share) [![office-3295556_1920](https://blog.plansmith.com/hubfs/office-3295556_1920.jpg)](https://blog.plansmith.com/regulatory-expectations-irr-liquidity) Does your organization have the IRR and Liquidity knowledge it needs to succeed? Regulatory guidance emphasizes the importance of effective corporate governance and outlines expectations for both board members and senior management personnel. Specifically, interagency guidance identifies the board of directors as having the ultimate responsibility for the risks undertaken by an institution – including IRR and liquidity. [Read More](https://blog.plansmith.com/regulatory-expectations-irr-liquidity) ## [The Real Reasons to Outsource Your IRR](https://blog.plansmith.com/real-reasons-to-outsource-your-irr) Posted by [Dave Wicklund](https://blog.plansmith.com/author/dave-wicklund) on 10/15/19, 11:01 AM - [Tweet](https://twitter.com/share) [![IRRVideo](https://blog.plansmith.com/hubfs/IRRVideo.png)](https://blog.plansmith.com/real-reasons-to-outsource-your-irr) As you grow, your organization has more and more things to manage. - Strategically, you’re working to find the right markets to penetrate with the ideal products and services. - Financially, you’re making sure your earnings are meeting or exceeding targets. - And organizationally, you’re looking for the right talent to expand and grow. One thing you can’t ignore is the role Interest Rate Risk plays in the banking industry today. [Read More](https://blog.plansmith.com/real-reasons-to-outsource-your-irr) ## [Another Great Year](https://blog.plansmith.com/another-great-year) Posted by [Craig Hartman](https://blog.plansmith.com/author/craig-hartman) on 12/28/18, 11:44 AM - [Tweet](https://twitter.com/share) [![laptop-3056593_1280](https://blog.plansmith.com/hubfs/laptop-3056593_1280.jpg)](https://blog.plansmith.com/another-great-year) Another great year has gone by, the stock market notwithstanding. With the number of banks and credit unions continuing to shrink, the cream is rising to the top. The quality of the remaining institutions is getting better. [Read More](https://blog.plansmith.com/another-great-year) ## [Why Regulators Care About Surge Deposits (And You Should, Too!)](https://blog.plansmith.com/surge-deposits) Posted by [Dave Wicklund](https://blog.plansmith.com/author/dave-wicklund) on 5/17/18, 8:40 AM - [Tweet](https://twitter.com/share) [![business-925900_960_720-2](https://blog.plansmith.com/hubfs/business-925900_960_720-2.jpg)](https://blog.plansmith.com/surge-deposits) So why do we keep hearing about “surge” deposits and how important it is to know if you’re holding any? Well, it might be because in the past 10 years, CD balances in FDIC insured institutions have fallen by $880 Billion; yes, that’s Billion with a capital “B.” And while that may be the bad news, the good news is that over the same time period, non-maturity deposits (DDAs, NOWs, Savings, and MMDAs) have grown by $5.9 Trillion (with a capital “T”). [Read More](https://blog.plansmith.com/surge-deposits) ## [3 Key Components in Outsource IRR Analysis](https://blog.plansmith.com/outsource-irr) Posted by [Tom Parsons](https://blog.plansmith.com/author/tom-parsons) on 10/19/17, 3:24 PM - [Tweet](https://twitter.com/share) [![](https://blog.plansmith.com/hubfs/Blog_Pictures/dollar-exchange-rate-544949_1920.jpg)](https://blog.plansmith.com/outsource-irr) The October 2017 issue of *ICBA Independent Banker* features Dave Wicklund and his views on selecting a service provider for outsourcing your IRR analysis. You can find the article on page 57. 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