| Friday, April 07, 2023 |
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MANAGING DIRECTOR: |
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US Treasury Market |
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| Date | 1 mo | 3 mo | 6 mo | 1 yr | 2 yr | 3 yr | 5 yr | 7 yr | 10 yr | 20 yr | 30 yr |
| 03/31/23 | 4.58 | 4.74 | 4.88 | 4.61 | 4.02 | 3.78 | 3.57 | 3.53 | 3.47 | 3.79 | 3.65 |
| 04/03/23 | 4.63 | 4.75 | 4.86 | 4.58 | 3.96 | 3.72 | 3.50 | 3.47 | 3.41 | 3.76 | 3.63 |
| 04/04/23 | 4.55 | 4.81 | 4.73 | 4.47 | 3.84 | 3.60 | 3.39 | 3.38 | 3.34 | 3.72 | 3.59 |
| 04/05/23 | 4.46 | 4.82 | 4.78 | 4.44 | 3.78 | 3.57 | 3.37 | 3.35 | 3.31 | 3.68 | 3.57 |
| 04/06/23 | 4.33 | 4.84 | 4.81 | 4.47 | 3.80 | 3.57 | 3.35 | 3.32 | 3.28 | 3.65 | 3.53 |
The data in the table above is static as of the time it was pulled, so rates may have changed. Treat all data in this table and PMR as indications only and availability is always subject to change.
This information was pulled manually from sources we believe to be reliable. New source, as of 12/12/2022, Bloomberg, L.L.P. As of: close of business 04/06/2023
How Are You Tracking Deposit Fluctuations?
I attended the BNControl user group meeting in Nashville, Tennessee on March 13th and 14th. Photos of the event are below.
One of the top topics discussed was tracking deposit fluctuations and having a proactive approach to identifying from which accounts and relationships the money was flowing and strategies to retain those deposits in our community banks.
This is how one BNControl user is tracking deposit fluctuations….
- On a daily basis, fluctuations in deposits are identified in 3 categories:
> $250,000
$100,000-$250,000
< $100,000
$100,000-$250,000
< $100,000
- This is broken down for the bank as a whole, plus 4 separate regions.
This detail is then used by the regional staff to reach out to those customers. The call is a service call to offer services or simply check in. However, during the conversation, the reason why there has been a change in the deposit relationship that has occurred is revealed.
The data is instantly available without time and effort by bank staff and is readily available through BNControl each day.
This is just one example of how BNControl brings clarity to data and efficiently helps community banks face today’s challenges.
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