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Wholesale Funding: Perception vs. Reality Webinar Wholesale Funding: Perception vs. Reality These are the best of times and the worst of times! Strong economy, record profits, low unemployment and no inflation to speak of. However, slowing loan growth, low rates and the recent yield curve inversion are causing shrinking margins. Join us as we explore these topics and more. Q2 2019 Economic Update Article Q2 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. Current Issues in Liquidity Management Webinar Current Issues in Liquidity Management In this webinar, Bob Dallo, Managing Director at Darling Consulting Group, speaks about the current pressures facing liquidity management while expanding on many of the themes covered at this year's regional member meetings. Quick Reference Guide for Completing your Community Investment Advance (CIA) Application Article Quick Reference Guide for Completing your Community Investment Advance (CIA) Application Three key things to remember when completing a Community Investment Application. Material Adverse Events: When and How to Report Article Material Adverse Events: When and How to Report Natural  disasters like flooding, tornados and hurricanes, and other material adverse events can happen without a moment's notice. If such an occurrence impacts a member's pledged collateral or ability to repay outstanding exposure, it is required to notify FHLB Des Moines in a timely manner. Succeeding Through Servicing: Mitigating Risk with the MPF Program Case Study Succeeding Through Servicing: Mitigating Risk with the MPF Program By selling mortgages through the FHLB Des Moines Mortgage Partnership Finance® (MPF®) Xtra® Program, Hawaii State FCU is able to retain servicing and improve customers' experience. Making Mortgages Your New Niche Case Study Making Mortgages Your New Niche Farmers State Bank identified a core need for a strong mortgage lender in Northwest Missouri and made the strategic decision to fill that need. In the mid-to-late 1990s, Farmers State Bank became more highly invested in mortgage lending. “Blend and Extend” Funding Strategies: An Effective Means of Decreasing Future Funding Costs, Customizing Balance Sheet Duration and Pre-Funding Article “Blend and Extend” Funding Strategies: An Effective Means of Decreasing Future Funding Costs, Customizing Balance Sheet Duration and Pre-Funding While most financial institutions typically make the decision to roll the maturity at the time the advance matures, in certain circumstances, members of FHLB Des Moines have the ability to extend the advance prior to the maturity date. Home$tart Reservation and Disbursement Approval Assistance Article Home$tart Reservation and Disbursement Approval Assistance Avoid these common challenges to obtaining Home$tart grant funding. 2019 Regional Member Meeting Materials List 2019 Regional Member Meeting Materials Download the presentation materials from the 2019 Regional Member Meetings here. Q1 2019 Economic Update 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. LIBOR: The Transition Ahead 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.