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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. Decreasing Securities Eligibility Case Study Decreasing Securities Eligibility A financial institution has historically supported a portfolio with a high percentage of agency mortgage-backed and callable agency securities. Interest rates have dropped and many of these securities have paid down quickly or have been called. The Forgotten Security Call Case Study The Forgotten Security Call Historically, a financial institution has collateralized a public unit deposit with a pledge of callable agency securities. A member subsequently receives notification that the callable bond will be called in five days, the next scheduled call date. A Strategic Review of Liquidity Coverage and Income Case Study A Strategic Review of Liquidity Coverage and Income In the wake of declining margins and a regulatory discussion, a financial institution's management team would like to review means of improving liquidity and income. An increasing portion of public unit deposits is being pledged via securities. Diminishing Securities Availability for Collateralization Case Study Diminishing Securities Availability for Collateralization With a recovering economy, a member is sustaining strong loan growth and has been decreasing its securities portfolio in order to fund a portion of that growth. An increasing percentage of the securities position has already been pledged to multiple public unit depositors. 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 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? Funding Products to Help Your Institution Go Further Article Funding Products to Help Your Institution Go Further The right funding products and tools can impact your organization in a major way. That is why you should stay in the know on the latest and greatest in funding products and how to apply them to change the game while conforming to your organization's strategy. Term Advances: The Foundation of Funding Diversification Article Term Advances: The Foundation of Funding Diversification Many members are aware of available multiple term advance types ranging from straight-forward short-term bullets to longer-term advances with symmetrical and forward settlement features. 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. 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.