Global Cash Flow

The blending of personal and business cash flows merits consideration.
In the Correspondent Banking department of INTRUST Bank, we have the opportunity to visit with a vast array of peers, community bankers, consultants, and regulators. A common theme we are hearing from all sectors of our industry more than anything else is the concept of Global Cash Flow. We hear time and again that the regulators are almost singularly focused on this issue. They want to see a Global Cash Flow in most every type of credit file including participations purchased from other banks that may or may not have already completed this type of analysis.

Global Cash Flow is the blending of a personal cash flow and a business cash flow. In its purest sense, it is much like many of the farm cash flows created in the mid to late 1980s where the farmer’s business was analyzed on a monthly basis showing projected income, expenses, debt service and family living expenses for an entire year. In many of these cases the family’s living expenses and the operations of the farm are often so deeply intertwined that it is difficult to separate the two. Therefore, they were analyzed as a whole instead of separately.

The Global Cash Flow is prepared using historical data and analyzes personal and business cash flows. It is especially important in situations where the business is guaranteed by an individual to make sure there is adequate cash flow to service both the personal debts as well as the obligations of the business itself. In many instances, loans are often looked at on this level, but there may be additional lines of business or industries that the same logic could and probably should apply.

The following table illustrates the overall concept of Global Cash Flow(1):

(1) Cassis, John. “Using Global Cash Flow.” The RMA Journal Sept. 2006: 29

Whether this measure of repayment is new or old to you and your lending staff, it probably deserves some thought about what it may do for your bank.

Credit Cards

Customized credit card designs now available!
How would you like to offer your customers a credit card with your own unique card design? Now you can! INTRUST Card Center now offers custom card designs for our agent banks. While INTRUST has always offered cards with agent bank logos, now the ability to produce a true custom card design is available.

New digital card production technology has eliminated the need to store large quantities of card stock. Thus, cards can be produced economically, even one at a time!

When your customers carry their home-town bank credit cards, they not only display pride and trust in their home-town bank, but provide you with an additional source of revenue and free advertising.

To find out more about costs and how to get started with your card design, contact Audrie Sparks, Agent Bank Supervisor, 800-327-3483.

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Staff Spotlight

Get to know Shelly Christian, Administrative Assistant.
Shelly Christian was born and raised on a farm outside of Iola, Kansas. She and her husband, Michael, have been married for 20 years. They have three children, two boys, Brandon, age 17, Nicholas, age 13, and a daughter, Peyton, age 7. Michael has worked at Boeing/Spirit AeroSystems for 18 years as a Process Operations Specialist.

Shelly is in her third year at INTRUST Bank. Prior to joining INTRUST Bank, she was a stay-at-home mom for five years after spending ten years at another financial institution. She is an administrative assistant in the Correspondent Banking department. Her duties include customer service, handling payments and advance requests, loan documentation, and many miscellaneous duties.

With three very active children, Shelly has very little time for hobbies, but if the opportunity occurs, she enjoys reading and scrapbooking.