Asset/Liability Management


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

August 20, 2019 —This week Jamie Sumner, chief analyst, reviews the performance of the community bank benchmark group for the 2Q 2019. Overall, median ROAA remains above 1% for the entire group. However, the Mutual segment’s ROAA came in at 0.63% for the 2Q. The median net interest margin fell to 3.63% shows signs of contraction that may be compounded by the recent move down in interest rates. As for the median S&B Total Risk Index score, it has come down slightly. However, there was a small increase in credit and liquidity risk indicators.

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August 6, 2019

August 6, 2019 —This week Jamie Sumner, chief analyst, reviews the GDP release, inflation, the fed statement and unemployment report. These releases, combined with others, have has a significant impact on the market and rates. Listen in as Jamie reviews this information and how the market has reacted.

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July 23, 2019

July 23, 2019 —This week Jamie Sumner, chief analyst, reviews the 1Q GDP results in light of the coming release of the 2Q GDP Advance Estimate. The FRB of Atlanta’s GDP Now is projecting a GDP growth rate of 1.6% consistent with our expectation of a sub 2% growth rate. As for the Federal Funds Rate, the market is placing an 81.5% probability of a 25 bps reduction in the Fed Funds rate next week with an 18.5% probability of a 50 bps rate cut. Lastly, Jamie reviews the current curve compared to the yield curve one day before the Fed beginning its tightening period in December 2015.

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June 21, 2019

June 21, 2019 —This week Jamie Sumner, chief analyst, reviews the FOMC statement and the dot plot. With the “patient” wording removed the likely hood of a rate cut at the next meeting is heightened and the dot plot shows potential for up to three rate cuts in 2019. Additionally, inflation measures remained moderated with inflation expectations moving lower, causing downward pressure on interest rates.

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