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