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Whitepaper The Impact of the Collateralization Method for Public Unit Deposit Letters of Credit on Liquidity Ratios and Income It is valuable for public unit depositories to consider the benefits of diversifying their methods of collateralization. Customized sensitivity analysis involving direction of collateralization away from securities and pledging in favor of letters of credit can yield positive results. Article Q1 2019 Economic Update Each quarter our Member Strategies Team takes an in-depth look at the economic issues facing the nation while providing a unique commentary on the effects they may have on our members. Article LIBOR: The Transition Ahead The financial markets have commenced preparations for the expected phase out of the London Interbank Offered Rate (LIBOR) by the end of 2021. FHLB Des Moines wants to ensure that you, our members, are as prepared as possible. List 2019 Insurance Conference Materials View and download the materials from the 2019 Insurance Conference: Forward Momentum here.