Asset/Liability Management

HEAR WHAT THE S&B TEAM HAS TO SAY

Listen in as our analysts discuss an array of topics that may be affecting your institution, including recent market movements and industry-wide commentary. These briefings can serve as educational tools for both boards and management.

Watch the Latest Briefing

November 14, 2017 —This week Jamie Sumner, chief analyst, reviews the 3Q 2017 performance of the community benchmark group. Overall, earnings have continued to rise as the net interest margin widened for the benchmark group. Loans continue to gain ground as a percent of assets which has helped push up the yield on earning assets while funding cost remains very low. The 3Q 2017 was a solid quarter for the community bank benchmark group with the median ROAA topping 1%.
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RECENT BRIEFINGS

November 7, 2017


November 7, 2017 — This week Jamie Sumner, chief analyst, reviews the October jobs report. Overall, the unemployment rate dropped by one-tenth of a percent to 4.1% and 261 thousand jobs were added. Although this report continues to have some noise due to the hurricanes we can still see some positive trends such as the reduction in the spread between the U6 and U3 unemployment rates. However, we did see the average hourly wages decline by 1 cent to $26.53 month over month while it increased 2.4% compared to October 2016. This was likely due to the large increase in leisure and hospitality jobs which tend to be lower on the pay scale.   
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October 31, 2017


October 31, 2017 — This week Jamie Sumner, chief analyst, reviews the Q3 2017 GDP release. Overall, the advance estimate of the 3Q GDP came in higher than expectations at 3% but just under the 2Q GDP growth rate of 3.1%. The 3Q growth rate was primarily driven by the replenishment of inventories, business equipment investments, contraction in imports, and expenditures on motor vehicles and parts.   
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October 24, 2017


October 24, 2017 — This week Jamie Sumner, chief analyst, explores the topic of automation in retail industries and the impact on the labor force. Overall, retailers employ about 10% of the U.S. labor force so the automation of the sales process could have a rather significant impact on the U.S. jobs market. As for the banking industry, we have seen some level of automation over the past decade and there will likely be continued advancements in technologies that will streamline the deposit and lending process.   
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October 17, 2017


October 17, 2017 — This week Jamie Sumner, chief analyst, reviews the inflation numbers for September and retail sales. Overall, inflation remains to be soft and unsupportive of a continued increase in the fed funds rate as projected by the FOMC’s dot plot. Retail sales were up 1.6% in September. However, the growth was primarily related to the aftermath of this year’s hurricanes. With last week’s releases the GDP Now forecast for the 3Q 2017 GDP was increased to 2.7%.   
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October 10, 2017


October 10, 2017 — The week Jamie Sumner, chief analyst, reviews the September Job report and the residential real estate numbers that have come out over the past several weeks.   
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October 3, 2017


October 3, 2017 — The week Jamie Sumner, chief analyst, reviews several of the economic releases from last week including the third estimate of the 2Q 2017 GDP, personal income and outlays, durable goods orders and inventories. Overall there was a positive trend in the releases last week which would support a solid 3Q GDP.   
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