Question 1

Why should our community bank work with a CPA firm that specializes in financial institutions?

Accepted Answer

Community banks operate in one of the most highly regulated and financially complex business environments. Your CPA firm needs to understand not only accounting and auditing standards, but also regulatory expectations, internal controls, risk management, CALL Reports, AML/CFT requirements, and the operational realities of community banking.The Fullinwider Firm, LLC specializes in accounting, audit, assurance, tax, compliance, and consulting services for community banks and financial institutions. Founder and Managing Partner Dean Fullinwider has spent nearly three decades serving the banking industry, with experience ranging from privately held de novo community banks to publicly traded financial institutions with more than $5 billion in assets.That depth of community banking experience allows our firm to provide more than a service, we provide informed guidance from professionals who understand your industry.

Question 2

Is our community bank prepared for its next regulatory examination?

Accepted Answer

Regulatory readiness shouldn't begin when an examination is announced. Documentation gaps, internal control weaknesses, compliance issues, incomplete risk assessments, and unresolved findings can create unnecessary challenges when examiners arrive.The Fullinwider Firm, LLC helps community banks and financial institutions prepare for regulatory examinations through services including compliance examinations, Directors' Examinations, AML/CFT examinations, ACH examinations, enterprise risk management consulting, internal control evaluations, and other specialized banking services.Our goal is to help your institution identify and address potential issues proactively, strengthen its processes, and approach its next examination with greater confidence.

Question 3

What audit, assurance, and compliance services does our firm provide for community banks?

Accepted Answer

Community banks often rely on multiple providers for financial statement audits, compliance testing, BSA/AML reviews, ACH examinations, regulatory reporting, and consulting—making coordination more complicated than it needs to be.The Fullinwider Firm, LLC serves as a full-service CPA and consulting firm for community banks, providing financial statement audits, Directors' Examinations, AML/CFT examinations, ACH examinations, compliance examinations, employee benefit plan audits, Bank Holding Company financial statements, FR Y-9 regulatory filings, CALL Report assistance, and additional accounting and consulting services.Bringing these capabilities together allows our firm to develop a more complete understanding of your institution while providing consistent, coordinated service across multiple areas of need.

Question 4

How can our community bank strengthen AML/CFT compliance and prepare for a AML/CFT examination?

Accepted Answer

Anti-Money Laundering (AML), and Countering the Financing of Terrorism (CFT) compliance remain critical risk areas for financial institutions. An effective AML/CFT compliance program requires appropriate policies, internal controls, risk assessments, independent testing, documentation, training, and ongoing oversight, not simply preparation immediately before an examination.The Fullinwider Firm, LLC provides AML/CFT examinations and compliance services for community banks, helping institutions independently evaluate their programs, identify potential weaknesses, strengthen documentation and controls, and prepare for evolving regulatory expectations.Because our team understands the broader audit, accounting, compliance, and risk environment facing community banks, we help leadership and boards approach AML/CFT compliance as an integral part of the institution's overall risk-management framework.

Question 5

Can The Fullinwider Firm, LLC serve as a long-term accounting and consulting partner as our community bank grows?

Accepted Answer

Yes. A community bank's needs can change significantly as it grows, adds products or locations, encounters new regulatory requirements, forms or expands a holding company, evaluates a transaction, or faces increasingly complex accounting and risk-management decisions.The Fullinwider Firm, LLC is structured to be a long-term accounting, audit, tax, compliance, and consulting resource for community banks and financial institutions. Our services extend from financial statement audits and regulatory filings to bank income tax planning, budgeting and forecasting, due diligence, enterprise risk management consulting, and other specialized advisory needs.When a complex issue arises, you shouldn't have to start by explaining community banking to your advisor. The Fullinwider Firm, LLC combines decades of banking experience with a broad range of specialized services to provide community banks with experienced guidance when it matters most.

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Financial Institutions

Services Offered:

Anti-Money Laundering (AML) and Countering the Financing of Terrorism (CFT) Examinations

Audits of Financial Statements

Automated Clearing House (ACH) Examinations

Bank Holding Company Financial Statements & FR-Y9 Regulatory Filings

Bank Income Tax Planning & Compliance

Benefit Plan Audits

Budgets & Forecasting

CALL Report Assistance

Compliance Examinations

Directors' Examinations

Due Diligence

Enterprise Risk Management Consulting

Federal Deposit Insurance Corporation Improvement Act (FDICIA) Compliance

Fraud Investigations

Income Tax Compliance

Income Tax Planning

Internal Audit

Interest Rate Risk Model Audit

Loan Review

Mergers & Acquisitions

Regulatory Applications for Banks & Bank Holding Companies

Trust Department Examinations

Valuations

Frequently Asked Questions (FAQs)

Why should our community bank work with a CPA firm that specializes in financial institutions?

Is our community bank prepared for its next regulatory examination?

What audit, assurance, and compliance services does our firm provide for community banks?

How can our community bank strengthen AML/CFT compliance and prepare for a AML/CFT examination?

Can The Fullinwider Firm, LLC serve as a long-term accounting and consulting partner as our community bank grows?

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