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Hybarger & Associates

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

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    Banking Insights

    Investment Advisory - The Flattening Yield Curve

    12/17/2014

     
    Picture
    As we approach Year-End, it is natural to think back about missed opportunities during the past year and even more naturally, to contemplate how we might exploit similar opportunities in the coming year. Unfortunately, we live in a chaotic world which gives us little time for constructive reflection in these areas.

    The one universal truth that most of us need to contemplate going into 2015 is the fact that the Fed seems committed to raising rates this next year. Whether you agree or not with their rationale, such a move seems like a foregone conclusion at this point, unless there are dramatic changes from the status-quo.

    The current Fed seems uniquely focused upon domestic events, at the absolute exclusion of other influences. Ironically, they seem to have begun to look inward at a time of unprecedented turmoil in global economic conditions. One could easily argue that the last time we saw such economic turbulence on the international scene was back in the 1920's and '30's...

    Click here to read more: Investment_Advisory_-_The_Flattening_Yield_Curve_-_1214.pdf


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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?