Educational Resources by "funding"

FILTER EDUCATIONAL RESOURCES

Clear Filters

Marginal Cost of Funds Whitepaper Marginal Cost of Funds Like many others, your institution has likely experienced record deposit growth over the past few years. While a lack of attractive opportunities in which to invest this low cost source of funding is less than ideal, deposit growth has been widely viewed as a source of strength. Planning for Low Rate, High Liquidity Scenarios Article Planning for Low Rate, High Liquidity Scenarios A prudent funds management process is of paramount importance regardless of economic or interest rate environment. The Forward Starting Advance - a solution against rising interest rates Article The Forward Starting Advance - a solution against rising interest rates Even though the old adage states, "You can't have your cake and eat it, too",  we think the FHLB Des Moines Forward Starting Advance lets you enjoy the best of both worlds. Laddering Funds for Commercial Real Estate Loans Case Study Laddering Funds for Commercial Real Estate Loans Central State Bank took down 5-year and 6-year amortizing advances from FHLB Des Moines. The bank laddered the two $1.5 million advances with different durations. Beat the Spread - A Strategy to Secure Low-Cost Funding Whitepaper Beat the Spread - A Strategy to Secure Low-Cost Funding If your institution is in the market to lock in long-term funding, can handle the accounting implications of using derivatives, and is looking to find the absolute lowest funding cost possible, the “Beat the Spread” strategy might be for you. Strategies and Tools to Maximize Performance and Manage Risk Article Strategies and Tools to Maximize Performance and Manage Risk 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. How Can the Impact of Rising Rates on Your Investment Portfolio's Market Value Come Out in the Wash? Article How Can the Impact of Rising Rates on Your Investment Portfolio's Market Value Come Out in the Wash? Today, while no one can be certain of the direction of interest rates, the short-end of the yield curve is under the heavy influence of well-telegraphed Fed tightening. Public Unit Deposit Collateralization: Multiple Benefits to The FHLB Des Moines Member and to the Public Unit Depositor Whitepaper Public Unit Deposit Collateralization: Multiple Benefits to The FHLB Des Moines Member and to the Public Unit Depositor An FHLB Des Moines member institution requests a letter of credit via an application. Next, a letter of credit is generated in favor of a public unit. Once the letter of credit is in place, the member financial institution is set to generate funding from the public unit. Learn more in this article. The Impact of the Collateralization Method for Public Unit Deposit Letters of Credit on Liquidity Ratios and Income 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. Standby Letters of Credit Webinar Video/Webinar Standby Letters of Credit Webinar Did you know Standby Letters of Credit from Federal Home Loan Bank of Des Moines may provide an alternative source of collateral for securing Public Unit Deposits, thus improving your liquidity, income and efficiency? Advance Restructuring For Your Institution Article Advance Restructuring For Your Institution Did you know that it's possible to extend your liability prior to the maturity date? You have the ability to do this through the FHLB Des Moines by restructuring advances, also known as Blend & Extend. Three ways to put Letters of Credit to work for you Whitepaper Three ways to put Letters of Credit to work for you Build your relationships with public unit depositors and support new business opportunities with an FHLB Des Moines Letter of Credit.