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Hosted by the FHLB Des Moines and Abrigo
Making Big Things Happen from Small Actions
Managing Your Balance Sheet in Times of Crisis
Federal Home Loan Bank (FHLB) Des Moines Webinar Series
Resources to navigate the uncertainty in today's changing economy
Thank you for attending the "Making Big Things Happen from Small Actions" webinar series in replace of the regional member meetings. Below you will find:
- Presentation slides
- Session recordings
- Presenter information
Webinar Details and Materials
Managing Your Balance Sheet in Times of Crisis
We will look at the recent events and outline several challenges and expectations facing the industry. What actions should you consider as you prepare for future loan loss allowance changes? Liquidity risk is a critical component in any “crisis”. As such, we will discuss the impact of events on issues such as loan repayments, credit line draws, changes to deposit patterns and how these all impact short and intermediate needs.
Creating Your Ideal Funding Plan Structure
During this session we will focus on the funding needs of the institution. With the stock market volatility, many institutions are reporting inflows of funds in a “flight to safety”. In this session we will outline the ideal funding plan structure, and how these events may turn to opportunities for more core deposit growth in the future.
Navigating a Flattening Yield Curve During Record Low Rates
Session 3 will switch the focus to the asset side of the balance sheet. Specifically we will examine the options facing lenders in a flattened yield curve at record low rates. Do we meet customer demands for long-term, fixed rate assets, or do we pass? How does our ALM reporting indicate our risk levels and what are the right measures to consider?
Asset and Funding Strategies
In the last session of this series, we will present a combination of asset and funding strategies to show how to evaluate the different options facing your financial institution.
About Your Presenters
Dave Koch
Managing Director, Advisory Services
Capital planning strategy, loan, and deposit pricing, evaluating interest rate risk, and ALM.
Darryl Mataya
Senior Advisor
Loan pricing, deposit pricing, core deposit analysis and funding strategies.
Resources
The FHLB Des Moines is here to provide updates and resources during this time of need.
Coronavirus Resources
Manage Today's Changing Economy at Your Financial Institution
Get up-to-date information and resources during this time of rapid change and ambiguity.
SBA Lending Support & Resources
CARES Act and Paycheck Protection Program Details
Get guidance on your technology, or access resources as you navigate the CARES Act for your community.
Other Resouces
Interested in learning more about asset/liability management from Abrigo?
Check out additional blog posts, webinars, and whitepapers.
State of the Union Podcast with Dave Koch
Our weekly sate of the union podcast is a series targeted to community financial institutions with episodes focusing on timely topics, such as the new PPP program, training in a new work from home set up, deposit gathering, funding and more. Session #1 will be discussing the profitability of the new PPP program and the options that exist to help fund SBA loans.
Listen Now
Liquidity Risk – A Key Prong in the Banking Supply Chain
Dave explores how an improved approach to liquidity analysis can help improve profitability and inform other asset/liability risk measures while identifying a more practical approach to measuring current and future liquidity due to the coronavirus
watch webinar
Abrigo Poll: Bankers Expecting a Recession for at Least 2 Quarters; Troubled Loans and Liquidity Top List of Concerns
Bankers have started to make their own assumptions about the impact the coronavirus pandemic will have on the economy and their institutions. In fact, three out of four bankers expect a recession will last at least two quarters.
read blog
Guidance on TDRs Eases Coronavirus Workout Pressures
Agreeing not to direct financial institutions to automatically categorize all COVID-19 related loan modifications as troubled debt restructurings (TDRs), and confirming with the Financial Accounting Standards Board (FASB) that short-term modifications made in good faith in response to COVID-19 to borrowers who were current prior to any relief aren’t classified as TDRs.
read blog
Navigating the Coronavirus in Lending and Credit Departments
Due to the coronavirus, Abrigo had Rob discuss the challenges facing credit/lending professionals during these unprecedented times. This Q&A discussion includes topics like refinances, credit selection, pricing, and more.
Listen Now
Portfolio Management in Crisis: Coronavirus Implications for Lenders
The challenge for most financial institutions will be how to quantify and document the additional risk they may face. Knowing that there are more questions than answers at this time, lenders can still take specific action during the emergent phase.
