Internal Audit Planning/Organizational Risk Assessments

Centralized/Corporate Operations

Branch Operations

Interest Rate Risk & A/L Management

Fiduciary Services (Trust Administration/ Operations/ Investment Management and Trust Systems)

Note Operations/Loan Services

Merchant Card Services

Consumer Compliance – Lending and Operations

Anti-Money Laundering – BSA/OFAC/USA PATRIOT Act

ACH Operations/Self-Assessments/FedLine Audits

ATM/Star System Network Certifications (we are ATM /Star certified)

Information Technology/Systems

Network Security/Internet Banking/Web Site Controls

Comprehensive Internal/External System Vulnerability Assessments

GLB Act (Risk Assessments & Information Security Program Evaluations)

Corporate Disaster Recovery & Contingency Plan Development

Compliance Training

FDICIA (Section 112)

Sarbanes-Oxley Act Compliance

Credit Quality Assessment/Risk Grade Assignments

Credit Policy Evaluations

Adequacy of Loan Documentation

Condition/Covenant Compliance

Evaluation of ALLL Methodology/Adequacy

Credit Concentration Analysis/CRE "Stress Testing"