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Thursday, August 16, 2018

MANAGING DIRECTOR:
Scott Carrithers
 
PORTFOLIO SALES AND SERVICE:
Steve Panknin • George Morris • Jeff Goble • Chris Thompson • Sean Doherty
Kevin Doyle • Lonnie Harris •  Mark Tranckino • Robert Schuyler • Tom Toburen • Josh Kiefer
 Nicole Burczyk • Kelley Frye • Natalie Regan • Aaron Stoffer • Chuck Honeywell • Gus Koppen

US Treasury Market
Date 1 mo 3 mo 6 mo 1 yr 2 yr 3 yr 5 yr 7 yr 10 yr 20 yr 30 yr
8/9/18 1.91 2.06 2.25 2.44 2.64 2.74 2.80 2.89 2.93 3.01 3.08
8/10/18 1.92 2.05 2.23 2.42 2.61 2.68 2.75 2.82 2.87 2.96 3.03
8/13/18 1.93 2.06 2.22 2.42 2.61 2.68 2.75 2.82 2.88 2.97 3.05
8/14/18 1.96 2.08 2.25 2.44 2.63 2.71 2.77 2.84 2.89 2.98 3.06
8/15/18 1.96 2.07 2.23 2.45 2.61 2.68 2.73 2.81 2.86 2.95 3.03
                                                                                                                                       Source: U.S. Department of the Treasury, as of 08/15/2018
 
We've Got Your Lily Pad!

You know the story about the frog that becomes soup as it sits in a pot of hot water, right?  It’s a tale which illustrates how we can be unintentionally and incrementally “cooked and stewed” by simply doing the same thing we always do…like a frog that sits in a pot of hot water which is being slowly but surely brought to a boil.  Why didn’t that frog jump out before the temperature rose?  Because the threat was a slow boil that lulled him to sleep.

If this fable has any resemblance to your liquidity and funding plan, perhaps your institution should consider issuing CDs in the national marketplace.

Here are a handful of reasons CD’s may be your springboard out of that hot pot:
  • Cost effective vs. local markets or other wholesale funding alternatives.
  • Flexible maturities: 1 month through 30 years
  • Can match funds according to your asset/liability needs or utilize for general funding requirements.
  • A single certificate per maturity: operationally efficient
  • Unlike FHLB Advances, no collateral is required
  • No early withdrawal feature except upon death or adjudication of incompetence declared by a court of law.
  • Satisfy contingency liquidity plan for internal policy or regulatory element
  • Asset Liability Management:  Issue longer term deposits to extend duration.  Blend term funds with current large and possibly volatile DDA balances
Your comfortable landing pad is a phone call away to your CCB rep.
 


This information is intended for institutional investors only. The material provided in this document/presentation is for informational purposes only and is intended solely for private use. Past performance is not indicative of future results. This material is not intended as an offer or solicitation for the purchase or sale of any financial instruments.

•Not FDIC Insured •No Bank Guarantee •May Lose Value