Risk is inherently fundamental to all of an institution's activities. Institution's cannot eliminate all risks, but, should proactively identify and manage these risks. The desired reward for taking risk is stable profitability and increased net worth. An institution should balance risk and reward responsibly by implementing an adequate risk assessment with respect to the risks present and anticipated. To this end, an institution should maintain a strong System of Internal Controls to identify, manage, and mitigate undue risk.