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CECL Estimation Calculator

Estimate the potential impact of the new Allowance for Loan and Lease Losses (ALLL) accounting standard on your institution.

Strategically plan for current expected credit loss (CECL) by pairing our interactive, user-friendly tool with consulting support from CliftonLarsonAllen (CLA) professionals.

What’s on your mind?

  • Estimating the impact of CECL on capital planning, strategic planning, and budgeting for your institution
  • Determining how much your institution’s current reserve balances will need to increase
  • Helping management and board members understand your institution’s CECL requirements

Estimate CECL’s impact on your institution.

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A unique approach

Regardless of your implementation date for the Financial Accounting Standards Board’s (FASB) new credit loss model, your institution is likely already discussing how the new guidance will affect your current reserve levels.

BankTrends’ CECL Estimation Calculator is continually evolving to help institutions estimate the potential impact of the new ALLL accounting standard. This interactive tool collects quarterly charge-off and loan data from your regulatory reports, allowing you to apply specific quantitative adjustments to data using your institution’s specific user inputs to determine the sensitivity of CECL. Over time, the calculator will continue to add functionality, refining the results for your institution.

CECL Estimate Venn Diagram

Services and tools for the new CECL modeling, accounting, and data requirements

In addition to BankTrends’ calculator, you will receive eight hours of CECL implementation consulting assistance with CLA professionals who know and work closely with financial institutions. Together, we can:

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Note: This estimation tool should be used for planning purposes only and not be used for calculating the allowance for loan and lease losses in accordance with Generally Accepted Accounting Principles in the United States (“GAAP”) or for regulatory, reporting, or compliance purposes.

This estimation tool is meant solely for the purpose of estimating the potential impact associated with the future adoption of Accounting Standards Update No. 2016-13 Financial Instruments – Credit Losses (“ASU No. 2016-13”). The estimation tool is designed for use by smaller, non-complex organizations with standard loan portfolios. The tool contains some estimations and simplifications in order to facilitate widespread uses which causes slight limitations in the accuracy and precision of the estimation. The estimation requires inputs from the user. The accuracy of the inputs have a significant effect on the results of the estimation tool, thus, inputs should be evaluated for their reasonableness. Although the estimation tool should allow institutions to gauge the potential impact of ASU No. 2016-13 on its allowance levels, it does not substitute for its own analysis of the impact of ASU No. 2016-13 on its operations, regulatory reporting, and allowance levels or a calculation of the allowance for loan and lease losses in accordance with ASU No. 2016-13 or GAAP.