Energy Industry Brochure

Enterprise Risk Management

In today’s challenging regulatory environment, you need assistance coordinating risk management processes to stay focused on strategic business objectives. BKD’s insightful advisors can help you develop an enterprise risk management (ERM) framework designed to identify, analyze, respond to and monitor potential risks facing your institution.

Our integrated and coordinated approach targets risk management functions with a customized ERM framework to fit your needs. BKD National Financial Services Group helps you enhance and synchronize your existing risk assessment suite rather than reinventing your institution’s structural integrity. In addition to helping improve your ERM framework, our knowledgeable professionals can assist with a range of services aimed at evaluating and monitoring ancillary risk components.

BKD offers assistance in many ways:

This assistance offers several potential benefits:

Jason Rader

National Industry Partner
417.865.8701

Mutual Savings Bank

“During the conversion, BKD’s support and guidance were very much appreciated. Whether it was in the planning process or during the actual conversion—setting up general ledger accounts for the holding company, discussing income tax implications and planning or how to properly work through SEC and other regulatory issues—BKD’s input and assistance were critical to our successful conversion.

As we planned for a possible conversion several years before it actually took place, we engaged the services of BKD as part of the process of getting the bank in the proper position for the conversion from a mutual to a stock bank. Not only did it prove beneficial during the conversion, but even to this day the decision to engage BKD has been a great benefit to this bank.

When a bank considers conversion to a stock bank, it is important to consider accounting and tax related needs after the conversion. Since 2004, we have had many issues come up with which BKD has helped greatly. For this bank, these issues included return of capital considerations, assistance in dealing with ESOP matters, when it is appropriate to file consolidated tax returns (or not) and dealing with issues relating to our decision to deregister from the SEC. Each year the process of preparing the company’s annual report and support in the annual meeting of shareholders goes very smoothly, largely due to BKD’s assistance.

Having engaged BKD for a variety of services gives the board of directors confidence in each of the areas served. Feel free to contact me at any time concerning the value of BKD’s expertise.”

— Robert D. Heuchan, President
Mutual Savings Bank
Franklin, Indiana


The Farmers & Merchants Bank

“I’ve done business with BKD for several years. They have come up with ideas that have helped us save money and with advice that has enabled us to work smarter, not harder, and be more efficient. Their insight has been instrumental in helping us manage the bank and keep us headed in the right direction. I really believe BKD has helped us be a better bank.”

— Charlie Butler, Retired President/Vice Chairman
The Farmers & Merchants Bank
St. Clair, Missouri


Bank of Ann Arbor

“I have found BKD to be very professional, knowledgeable and responsive to our needs. Their guidance has been instrumental to our bank and the benefits of their advice go well beyond the initial loan review process.”

— Tim Marshall, President & Chief Executive Officer
Bank of Ann Arbor
Ann Arbor, Michigan


BancStar, Inc.

“We like BKD because they know financial institutions. They have helped us with a variety of regulatory compliance services and always send well-trained and knowledgeable professionals to our banks.”

— Thomas H. Keiserm, President
BancStar, Inc.
Festus, Missouri

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