Strategies and Tools to Maximize Performance and Manage Risk
posted on Tuesday, December 24, 2019 in Strategies
Every loan and deposit decision your financial institution makes has a ripple effect throughout the organization.
Sound balance sheet management and funding strategies play a critical role in achieving the balance you need to make the loans your customers want and provide safe, rewarding deposit opportunities. We can help you with both through our Strategies Team and their tools.
Introducing Member Strategies
Our Member Strategies Team is available as a complementary extension of your institution, delivering in-depth, unbiased analysis and options to your management team. Their hands-on expertise and real-world experience provide you a strong partnership to help you grow and prosper.
What Tools do We Have to Offer?
Marginal Cost of Funds
In an environment where deposit shortfalls are common, it’s important to know the true cost of that deposit campaign you’re considering. As part of the process, we can also help educate your internal team, from the ALCO committee to the Board, and help you truly understand your funding options.
Download the Tool
Peer Group Analysis
Making informed decisions includes knowing what your direct competitors are offering. We can help you do that by providing custom reports tailored to a peer group as you define it, or to specific high-performing institutions to help keep you competitive in a crowded provider field.
Request a customized report
Standby Letter of Credit Analysis
What is the impact of securing a portion of outstanding Public Unit Deposits with a Standby Letter of Credit? We can deliver customized scenarios and analysis to help you maximize the liquidity and income outcomes for your institution.
Request your personalized Report
What’s the true economic value of the FHLB Des Moines dividend? What rate should you be using to compare the true cost of potential funding sources? Our dividend calculator provides you a specific answer and a foundation for optimum decision-making.
Download the Calculator
Blended Funding Model
How do you manage risk for long-term loans? Our Blended Funding Model can help you explore multiple funding scenarios to reach the best solution for your institution. For example, you can explore the possibility of matching the cash flows of long-term loans with a blend of your deposits and advances from us.
Request an Evaluation
Fixed vs. Adjustable Rate Tool
Developed by our Strategies Team, you now have an easy way to say “what if” with fixed versus variable rates and short-term versus long-term advances.
Download the tool
These are just a few of the readily available tools and resources provided by our Strategies Team. Please do not hesitate to reach out the Strategies Team or your Relationship Manager if you have any questions about these tools or the additional services that are available to you and your institution.
- Advance Solutions
- Balance Sheet
- Marginal Cost of Funds