| Date: |
> January 2006 / Number 38
(Requires the most current version of the Adobe Acrobat PDF reader). |
| Subject: |
New Fed funds floater advance reduces funding costs |
|
Date: |
> August 2005 / Number 37
(Requires the most current version of the Adobe Acrobat PDF reader). |
| Subject: |
The MPP performance report: A four year history |
|
| Date: |
> January 2005/ Number 36
(Requires the most current version of the Adobe Acrobat PDF reader). |
| Subject: |
FHLBI programs can help lenders target first-time homebuyers with portfolio products. |
|
| Date: |
> June 2004 / Number 35
(Requires the most current version of the Adobe Acrobat PDF reader). |
| Subject: |
Bullet advances: The beauty of simplicity. |
|
| Date: |
> July 2003 / Number 34
(Requires the most current version of the Adobe Acrobat PDF reader). |
| Subject: |
Answers to typical questions regarding the Mortgage Purchase Program (MPP). |
|
| Date: |
> February 2003 / Number 33
(Requires the most current version of the Adobe Acrobat PDF reader). |
| Subject: |
For lenders involved in the secondary market, the refinance boom can produce a tremendous surge in profits. |
|
| Date: |
> July 2002 / Number 32
(Requires the most current version of the Adobe Acrobat PDF reader). |
| Subject: |
The Mortgage Purchase Program (MPP) has grown swiftly in its first fourteen months. |
|
| Date: |
> December 2001/ Number 31
(Requires the most current version of the Adobe Acrobat PDF reader). |
| Subject: |
Funding strategy allows your bank to hold mortgages yet increase profitability. |
|
| Date: |
> September 2001/ Number 30
(Requires the most current version of the Adobe Acrobat PDF reader). |
| Subject: |
The LIBOR-indexed convertible offers advance rate protection within a selected range. |
|
|
|
| Date: |
> May 2001/ Number 29
(Requires the most current version of the Adobe Acrobat PDF reader). |
| Subject: |
Optimizing your borrowing capacity. |
|
|
|
| Date: |
> March 2001/ Number 28
(Requires the most current version of the Adobe Acrobat PDF reader). |
| Subject: |
Funding asset growth during periods of low deposit growth. |
| Title: |
Active planning and monitoring of funding strategies not only provide profit and risk management opportunities; they also help ensure the safety and soundness of your bank. |
|
| Date: |
> October 2000 / Number 27
(Requires the most current version of the Adobe Acrobat PDF reader). |
| Subject: |
Having ready-access to borrowings to manage liquidity shortfalls has become increasingly important. |
| Title: |
FHLBI variable rate funding is a cheaper, more convenient, and more reliable alternative to fed funds. |
|
| Date: |
> June 2000 / Number 26 |
| Subject: |
This article describes some of the different types of options contained in some familiar investment and credit products. |
| Title: |
Understanding the type of option contained within a financial instrument will allow the instrument to be properly evaluated. |
|
| Date: |
> March 2000 / Number 25 |
| Subject: |
Institutions with high loan-to-asset ratios tend to have better profitability than institutions with smaller loan portfolios. |
| Title: |
Why don't all institutions maintain high loan-to-asset ratios to maximize returns? |
|
| Date: |
> December 1999 / Number 24 |
| Subject: |
The FHLBI's Community Investment Program (CIP) was designed to encourage the funding of community and economic development projects. |
| Title: |
CIP funding is a golden opportunity to reduce your institution's funding costs. |
|
| Date: |
> July 1999 / Number 23 |
| Subject: |
The putable differs from other fixed term advances because the FHLBI retains an option to convert it to a three-month LIBOR adjustable advance prior to maturity on pre-specified put dates. |
| Title: |
A putable advance may provide a more cost-effective way of extending the maturities on liabilities. |
|
| Date: |
> April 1999 / Number 22 |
| Subject: |
The millennium bug is coming to town. Regardless of whether you believe January 1, 2000, will be Armageddon, a non-event, or somewhere in between, your institution should adhere to the Boy Scout motto, "Always be prepared." |
| Title: |
Y2K: why worry? Your FHLBI membership represents a first-line defense against a liquidity crisis. |
|
| Date: |
> December 1998 / Insider 21 |
| Subject: |
Many institutions retain high levels of liquid assets, relieving the fear of a run on deposits at the expense of potential earnings.
|
| Title: |
A dynamic cash budgeting process, not just meeting ratios, should be the focus of liquidity management. |
|
| Date: |
> July 1998 / Insider 20 |
| Subject: |
One method of evaluating the impact of FHLBI dividends on borrowing costs. |
| Title: |
Since advance use and additional stock purchases are often linked, they should be analyzed as a single transaction. |
|
| Date: |
> April 1998 / Number 19 |
| Subject: |
The unique characteristics of the putable advance. |
| Title: |
Understanding what market factors trigger the conversion of a putable advance allows the risk to be better evaluated. |
|
| Date: |
> December 1997 / Number 18 |
| Subject: |
How fixed rate mortgages can add value to an institution's overall portfolio. |
| Title: |
Unused, excess capacity represents untapped earnings potential and unrealized shareholder value. |
|
| Date: |
> September 1997 / Number 17 |
| Subject: |
Long-term fixed rate mortgage loans |
| Title: |
More and more lenders are discovering the investment value of long-term fixed rate mortgage loans. |
|
| Date: |
> June 1997 / Number 16 |
| Subject: |
Credit availability report |
| Title: |
Credit availability report can be used to evaluate liquidity risk vis-à-vis FHLBI borrowing capacity. |
|
| Date: |
> February 1997 / Number 15 |
| Subject: |
Imbalance between retail loan and deposit growth |
| Title: |
The escalating imbalance between retail loan and deposit growth is changing the way financial institutions manage balance sheets. |
|
| Date: |
> December 1996 / Number 14 |
| Subject: |
Fair return on equity investment |
| Title: |
To control their own destiny, managers of financial institutions must satisfy shareholders with a fair return on their equity investment. |
|
| Date: |
> September 1996 / Number 13 |
| Subject: |
Match funding of mortgages |
| Title: |
Match funding of mortgages is not an interest rate risk neutral strategy. Neutral strategies will tend to have shorter average lives than the mortgages they fund. |
|
| Date: |
> January 1996 / Number 12 |
| Subject: |
Funding prime-based assets with LIBOR |
| Title: |
Funding prime-based assets with LIBOR appears to combine the elusive characteristics of lower risk and higher reward. |
|
| Date: |
> February 1995 / Number 9 |
| Subject: |
Excess capital |
| Title: |
Institutions holding excess capital can increase their payout ratio, buy back stock, or use leverage. |
|
| Date: |
> September 1993 / Number 4 |
| Subject: |
Using marginal cost |
| Title: |
Using a variety of funding sources is generally less expensive than relying on a single source, such as deposits. |
|
