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It Just Doesn't Matter - Episode 25 Podcast It Just Doesn't Matter - Episode 25 Episode 25 of The Insider podcast, entitled “It Just Doesn't Matter,” highlights the paradox of the loan-to-deposit ratio, the art of optimizing collateral and ways to avoid balance sheet concentration risk. Beta Omicron - Episode 24 Podcast Beta Omicron - Episode 24 In episode 24 of The Insider, we assess the financial environment and share helpful tips to navigate conditions of uncertainty. Three Reasons to Consider Mortgage Subservicing Article Three Reasons to Consider Mortgage Subservicing Outsourcing this critical step in the loan origination process can provide significant strategic benefits to you and your borrowers. Liquidity Stress Testing Scenarios Article Liquidity Stress Testing Scenarios View several testing scenarios to consider when validating your operational procedures and liquidity access. On the Record with Don Musso - Episode 3 Podcast On the Record with Don Musso - Episode 3 Don Musso, President and CEO of FinPro, Inc. joins On the Record for a discussion highlighting interest rate and yield curve prospects, timely balance sheet risk management strategies and the long-term future of the financial services industry. Q3 2021 Economic Update Article Q3 2021 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. The Letter of Credit Opportunity Video/Webinar The Letter of Credit Opportunity Explore the variety of uses and applications of a FHLB Des Moines Letter of Credit in this 60-minute webinar presentation. Podcast "Aw Shucks" - Episode 23 This month's edition of the The Insider features a discussion of shadow inflation, not needing to wait for expected funding cash flows in order to deploy capital, MPF program price competitiveness and how to hold your institution accountable for maximizing collateral eligi Expanded Opportunities for Letters of Credit Article Expanded Opportunities for Letters of Credit While FHLB Des Moines Letters of Credit are commonly used as an attractive alternative to pledging securities for public unit deposits, an LOC can serve a variety of purposes. The Evergrande State - Episode 22 Podcast The Evergrande State - Episode 22 Episode 22 highlights the impact of excess liquidity, debt ceiling uncertainty and divergent inflation measures on balance sheet strategies. SPIRE Credit Union Puts Values into Action Though MPF® Case Study SPIRE Credit Union Puts Values into Action Though MPF® In an article published in June of 2021, CU Today featured FHLB Des Moines member SPIRE Credit Union (SPIRE) for their participation in the Mortgage Partnership Finance Program (MPF®). Flash in the Pan - Episode 21 Whitepaper Flash in the Pan - Episode 21 In this episode of the Insider we discuss uncertainties posed by the Federal Reserve's possible tapering of securities purchases and recent slowing economic indicators, an update on SOFR term markets and specific steps to take in order to optimize borrowing and collateral capacity.