FHLB 1-Mo. Advance Rate Over 2% for First Time Since 10/2008

​Today, the 5-year advance was over 3% for the first time since 2011.

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Neil Stanley
President of Community Banking
TS Banking Group
Treynor, Iowa
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Original Message:
Sent: 03-15-2018 13:27
From: Neil Stanley
Subject: FHLB 1-Mo. Advance Rate Over 2% for First Time Since 10/2008

​Fixed-Rate Advances | Federal Home Loan Bank

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Fixed-Rate Advances | Federal Home Loan Bank FHLB Des Moines offers a wide range of member advances, including Fixed-rate, Amortizing, Prime, LIBOR and Forward Starting. View this on Fhlbdm >

With over $580 billion of FHLB advances in FDIC-insured banks as of 12/2017, how will this impact industry loan and deposit pricing as every term is now over 2%?

https://www.fdic.gov/bank/analytical/qbp/timeseries/balance-sheet.xls

TS Bank Group is using a loan pricing system to quote fixed and variable rates for commercial loans that give the bank the same risk-adjusted return on equity.  Giving clients options that the bank is equally satisfied with is part of the TS Bank Group approach to helping clients adjust to rising rates.  What is yours?

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Neil Stanley
President of Community Banking
TS Banking Group
Treynor, Iowa
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