NASA, We have liftoff. Should you move from AFS to HTM?

Summary: Sequential occurrences needed to happen to confirm a possible normalization of rates. It seems that they may have begun...

FTDO: Inflation. Money supply. And 2022.

Summary: While the M1 money supply does seem daunting and inflation does seem to be an imminent challenge, long term...

FTDO: Wither markets? Wither rates? Wither costs?

Summary: Three important things to consider. Historically markets tend to revert back to the mean. Historically, most investment managers cannot...

CECL: THE TIME IS NOW…

Community financial institutions (CFI’s) are arguably more challenged than they have been in decades. So, happily, many CFI’s drew a...

ALCO AND DECISION MAKING WHAT FACTORS INFLUENCE YOUR DECISIONS… HARD DATA, GUT INSTINCTS, OR PERSONAL BIASES?

Decision making is an essential skill of every successful business leader. While easier said than done, decision makers must interpret...

Dr. Ed Seifried’s FOMC Meeting Commentary Report – June 15, 16

FEDERAL OPEN MARKET COMMITTEE (FOMC) MEETING RESULTS: DATE: June 15 – 16, 2021  |  MEETING LOCATION: Virtual 1Fed pledges to use...

EXECUTIVE SUMMARY: DR. EDMOND J. SEIFRIED Q1 2021 ECONOMIC ANALYSIS

BREAKING NEWS — MARKET SPECULATION & THE STATE OF THE ECONOMY    DATE: May 5, 2021  | BY: Dr. Edmond J....

MITIGATING THE RISK OF PREPAYMENTS

What is an MBS:  A mortgage-backed security is a type of debt security collateralized by mortgages and primarily offered through...

DEVELOPING AN ANNUAL ALCO CALENDAR AS A BEST PRACTICE

There just aren’t enough hours in the day. How often does that thought cross your mind? Our lives are so...

GENERATING ADDITIONAL YIELD THROUGH BOND SUBSTITUTION and AGGREGATION

Change In Mindset – Change In Yield? “To enjoy a reasonable chance for continued better-than-average results, the investor must follow...