> Bank publications
      FHLBIndepth
      Housing Annual Report
      Insider Back Issues
> Events & Training Calendar
> Financial Publications

Insider Back Issues


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--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.

Updated: February 25, 2008