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Short-Term Funding Strategies Article Short-Term Funding Strategies Consider the benefits of short-term advances to stabilize your balance sheet over year-end. 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. Increasing Advance Capacity: A Member Success Story Case Study Increasing Advance Capacity: A Member Success Story Member Collateral Verification (MCV) reviews can be an excellent opportunity for members to improve their advance capacity. Sheilah Stoneback, Credit Analyst at One American Bank in Sioux Falls, South Dakota, shares how her team was able to increase their advance capacity by 50 percent. Q4 2018 Economic Update Article Q4 2018 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. Expanding Markets, Expanding Letter of Credit Uses Whitepaper Expanding Markets, Expanding Letter of Credit Uses Whether it's an opportunity to drive fee income and enhance ROE by backing a bond, supporting a self-insurance program, or covering a customer's performance obligation; it may be worth your while to explore some of these expanded uses of letters of credit. Raising Wholesale Funds: “Things are Seldom What They Seem” Article Raising Wholesale Funds: “Things are Seldom What They Seem” Depending upon the interest rate environment or location on the yield curve, dividend-adjusted advance rates may or may not be comparable. You'll never know unless you run the dividend adjustment calculation. 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. 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.