Reduce liability for losses on commercial accounts by adhering to four requirements. 


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Money Fund
Report AveragesTM


7-Day Yield — 0.02

30-Day Yield — 0.02

7-Day Comp Yield — 0.02

All Taxable Averages (Based on 1,029 funds with assets of $2.31 trillion - 5/15/13)

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Investment/Risk Management


2012 Investment Policy Update: Keep It Flexible, Consistent

The purpose of an investment policy is to provide consistent, long-term guidance for the management of a bank’s investment portfolio. It should be carefully and thoughtfully constructed so that it...


How Do You Compare?

Peer group comparisons can provide valuable insight into the composition and performance of your bank portfolio. With that thought in mind, the purpose of this column is to provide some current...


Successful Investing Is Possible in This Economy

Some economists are now referring to the shape of this recession as a “checkmark recession” as opposed to the typical “V” or “U” shapes that previous economic downturns and recoveries have resembled,...


Seeking Alpha? Be Careful.

If you think about it, managing a bank’s bond portfolio is very much like managing a bond mutual fund. Let’s explore current bank bond portfolio performance metrics using the language of bond...


Hybrid ARMs Can Be Your Portfolio’s Flotation Device

It has been a record breaking three years since the Federal Reserve anchored the overnight rate at an all-time low range of 0.00 percent–0.25 percent. Not surprisingly, bank margins have since...


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