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Hybarger & Associates

Serving Small to Mid-Size Community Banks for over Thirty Years

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    Banking Insights

    Exploring the Conundrum of Longer-Term Funding

    12/8/2016

     
    Picture
    There is virtually no question about what the Fed is likely to do at their next Federal Open Market Committee meeting. Likewise, there is little debate as to whether the expected Rate increase will be followed by additional Rate increases in the future. The real question for debate is only how high, and how quickly, we might expect these increases to proceed?

    ​​This has led many to ponder ~ when and how should I begin lengthening my Longer Term Funding, to the extent that this is possible? However, this is not a simple question. In fact, it is a great conundrum for many bankers.
    The dictionary defines a conundrum as "a confusing and difficult problem or question."

    ​This is especially true when the logical answer to a problem is at odds with an answer derived from careful analysis. Such is the case with making decisions related to the value (benefit) of short-term funding versus longer-term funding. Clearly, logic would have us believe that in a rising rate environment, we would benefit from having as much longer-term funding in place as possible. However, as with most things, the devil is in the details... 

    Click Here to read the full article.

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    • Who We Are
      • Firm's Founder and History
      • Officers
    • Who We Serve
      • Who Are Our Clients
    • What We Do
      • Asset / Liability Management >
        • Budgeting
        • Performance Analysis
        • Forecasting
        • Quality Control
        • ALM Board Reporting >
          • The Directors' Financial Digest
          • The Executive Management Series
          • The Account Level Forecasting Series
        • Alternative Planning Scenarios
      • Interest Rate Risk >
        • Reporting for Interest Rate Risk
        • Assumptions & Back-Testing
      • Portfolio Management & Accounting >
        • The InvestWise Reporting Series >
          • Portfolio Management Series
          • Financial Management Series
          • Econometric Series
        • "Total Return" Investment Strategy
      • Liquidity Risk Management
      • Capital Adequacy & Analysis
      • Dynamic Strategic Planning
      • Comprehensive Funds Management Policy
      • CECL Overview >
        • Historical Analysis
        • "Currently" Identifiable Risks
        • "Specific" Potential Risks
        • Potential "Future" Risks
        • Traditional Reserves vs CECL
      • General Consultation >
        • Holding Company Systems
        • Balance Sheet Pricing Strategies
        • Regulatory Reporting
    • What Our Clients Say
    • How We Interface
      • What happens when we become a Client?
      • How are Fees Determined?