The 45-Minute Deposit Study

Finance & Accounting

Key model assumptions for non-maturity deposits (beta and decay) often represent a major ALM modeling weakness at community banks. In this session, learn how to support these model assumptions using straightforward, transparent, and accepted methods. Implementing these methods will not only improve your exam and validation experience but will result in cleaner and more effective modeling. It’s much easier than you may expect.

Who Should Attend

Director, Chief Executive Officer, Chief Financial Officer, ALCO Member, Controller, Senior Financial Specialist, Risk Officer,

Learning Objectives

  • Learn how to support key model assumptions for non-maturity deposits using straightforward, transparent, and accepted methods.
  • Discuss how these key assumptions represent actual pricing decisions and customer behavior and learn how to find relevant historical data.
  • Simplify and improve ALCO risk monitoring


Brian Heim, CPA
Principal Member
IRR-analytics, LLC
Brian Heim is the principal member and founder of IRR-analytics, LLC and has been serving clients since 2014. Prior to starting IRR-analytics, Brian was a community bank CFO with experience in many functions of a full-service financial institution. During this time, the business cycle fluctuated through a period that included strong economic growth, irrational expansion, severe recession, recovery, and modest growth. Brian’s broad experience and rigorous modeling during this period helped him develop a strong understanding of the balance between risk and return under a variety of economic conditions. Brian is a graduate of North Dakota State University and the Graduate School of Banking at Colorado.  He is a Certified Public Accountant licensed in the State of Idaho.  

Webinar Fees

Pricing For Price Season Pass
Bank Member $195 $0
Bank Nonmember $249 $0
Affiliate Member $195 $0
Affiliate Nonmember $249 $0

Season Pass Members receive 4 individual logins to every webinar

Additional Info

Participants will earn 1.0 CPE credit

Field of Study: Specialized Knowledge

Prerequisites: None

Advanced Preparation: None

Program Level: Basic

Delivery Method: Group Internet Based

Refunds and Cancellations: Webinar registrations are non-refundable. If the registrant is unable to attend the designated time and date of the webinar, a playback link and any written materials will be provided within 2 business days following the conclusion of the webinar

Western Bankers Association is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its


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