| Wednesday, January 15, 2025 |
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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 |
| 01/08/25 | 4.30 | 4.31 | 4.27 | 4.17 | 4.28 | 4.35 | 4.46 | 4.57 | 4.69 | 4.99 | 4.93 |
| 01/09/25 | 4.29 | 4.30 | 4.27 | 4.15 | 4.26 | 4.33 | 4.45 | 4.57 | 4.69 | 4.98 | 4.93 |
| 01/10/25 | 4.30 | 4.32 | 4.30 | 4.22 | 4.38 | 4.47 | 4.58 | 4.68 | 4.76 | 5.02 | 4.95 |
| 01/13/25 | 4.31 | 4.32 | 4.32 | 4.22 | 4.38 | 4.48 | 4.60 | 4.70 | 4.78 | 5.04 | 4.96 |
| 01/14/25 | 4.31 | 4.31 | 4.32 | 4.21 | 4.37 | 4.47 | 4.60 | 4.71 | 4.79 | 5.06 | 4.98 |
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 1/14/2025.
While investing funds into your bond portfolio may sometimes seem complex and difficult, at Country Club Bank, we work with banks to keep it simple. There are many reasons to investing and staying invested in the bond market, but today we’re focusing on getting back to the basics:
- Diversification and Balance
Bonds are a great way to balance your bank’s overall balance sheet in conjunction with loans to mitigate credit risk and build income. Treasuries, Agency debentures and MBS can also offer liquidity to your bank through your relationship with the FHLB. Pledging the securities to the Home Loan Bank can expand your borrowing capacity and offer liquidity when needed.
- Stable Source of Income
Along with potential tax benefits aligned with certain fixed income products, bonds can offer a predictable interest payment schedule. Coupling this with continual and consistent investment allocation into your bond portfolio helps create consistent revenue.
- Credit Loss Hedging
Credit quality in the loan portfolio can be an issue that negatively impacts community banks and their balance sheets when/if the economy softens. If managed properly, your bond portfolio can assist if rates drop and gains are needed to offset any credit losses on loans. Having the right strategy and sticking with it will serve you well in the long term.
- Community/Relationship Enhancement
Investing in your local/state municipal bond market continues to be a great way to build relationships within the communities you serve. Along with loans to customers, bonds provide funds that lead to development in your communities and a general boost to economic activity.
Don’t overthink it. Keep investing simple with your Country Club Representative!
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