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

May 15, 2018 —TThis week Jamie Sumner, chief analyst, reviews the 1Q 2018 results for the community bank benchmark group. Overall, ROAA is up to 1.07% from 0.93 in the 1Q 2017. Net interest margin was up year over year but down quarter over quarter. With pressure on deposit rates heating up, we anticipate the net interest margin to be under pressure throughout 2018 and 2019. Net overhead was flat year over year. However, the tax burden was down to 16.84% in the 1Q 2018 reflecting the new corporate tax rate.
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RECENT BRIEFINGS

May 1, 2018

May 1, 2018 —This week Jamie Sumner, chief analyst, reviews the 1Q 2018 GDP release and the inflation numbers released in the Personal Income and Outlays report for March 2018. Overall GDP came in higher than expected and with inflation numbers meeting expectations.

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April 24, 2018

April 24, 2018 —This week Jamie Sumner, chief analyst, reviews a couple of estimates for the release of the1Q 2018 GDP as a preview to the advance estimate being released at the end of the week. Overall, the consensus is around 2%, indicating a continuation of modest growth for our economy. Core Inflation is expected to show some upward momentum but remains below 2%. However, the expectation is that as we move throughout 2018, core inflation will move up to the 2% level.

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April 17, 2018

April 17, 2018 —This week Jamie Sumner, chief analyst, reviews the small business optimism index which declined but remains at a high level compared to history. Furthermore, Jamie reviews the PPI, CPI and the inflation expectations index all painting a picture of a slight increase in inflation.

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April 10, 2018

April 10, 2018 —This week Jamie Sumner, chief analyst, reviews the employment situation report along with the current shape of the yield curve and the deposit rate data compiled by Bankrate.com. Overall, the employment situation report was a mixed bag as the jobs number came in lite and the unemployment rate remained at 4.1%. As for the yield curve, we continue to see pressure on the short end resulting in the narrowing of the 10-year to 2-year spread. The continued pressure on the short end of the curve is likely to put pressure on banks to raise the cash-type deposit rates throughout 2018.

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April 3, 2018

April 3, 2018 —This week Jamie Sumner, chief analyst, reviews the third estimate of the 4Q 2017 GDP which showed improvements in the consumer and investment sectors. Additionally, Jamie covers the February 2018 PCE numbers for inflation showing just a modest increase. Rounding out the briefing, Jamie covers the February inventories release for both retail and wholesale inventories along with the covering the durable goods release from the 23rd.
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