Financial

HTB services financial institutions with combined total assets exceeding two billion dollars, some of which have been our clients for over fifty years. Our clients’ average size is less than 200 million dollars which directs our concentration in servicing community oriented financial institutions. Just as your loan committee scrutinizes the financial statements of would-be-borrowers, your institution’s quarterly and annual statement are scrutinized by your customers, your competitors and both federal and state regulatory agencies. We understand the special accounting needs of your industry.

Our audit team is trained to evaluate internal controls, to conduct compliance tests, review loans and to obtain sufficient competent evidential matter to support our opinions. In addition, maintaining continuity of personnel on each engagement is a top priority. The depth of our personnel and minimal turnover allow for efficient planning, orderly job assignments and ongoing continuity of service.

Our Expertise:

Accounting:

• Audited Financial Statements
• Agreed-Upon Procedures
• Internal Auditing
• Review of Financial Statements for Regulatory Filings
• S.E.C. Reporting
• Information System Audits

Income Taxation:

• Tax Return Preparation
• Tax Planning and Projections
• Tax Aspects of Holding Companies
• Tax Consideration of S-Corporations

Consulting Services:

• Assistance with Regulatory Filings and Examinations
• Strategic Planning
• Merger and Acquisitions
• Accounting and Management Information Systems Analysis
• Profitability Studies
• Projections, Forecasts, and Budgets
• Personnel Screening
• Loan and Loan Loss Allowance Review
• Evaluation and Implementation of Internal Controls
• Employee Compensation Plans