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Hybarger & Associates

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

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    Banking Insights

    Non-Maturing Deposits - Interest Rate Symmetry, Evolution of the Fed, the Dismantling of Reg Q and other Mysteries...

    8/5/2016

     
    Picture
    It is possible to forecast the future course for Rates on Non-Maturing Deposits. It may appear to be a riddle, or even a mystery, and it can certainly be an enigma, but there is a key. That key is totally based upon the "economic self-interest" of Banks and Bankers.
    Non-Maturing Deposits generally consist of Non-Interest Bearing Checking, Interest Bearing Checking Accounts, Money Market Accounts, Premium Money Market Accounts, Public Funds ~ Transaction Accounts and Savings Accounts. These Deposit classes now account for 58.78% of the Total Deposits of our Client Base as a whole, and these Deposit classes have been steadily growing, as a Balance Sheet percentage, for the past 25 to 30 years, the period since the demise of Reg Q.

    We will specifically explore the history of this 25 - 30 year period later in this paper, but initially we will focus upon the characteristics of these Accounts that make them so popular among Depositors and such a focal point of attention at this time...

    Click here to read more: Executive_Advisory__Non-Maturing_Deposits.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?