The latest from James Lutter

Nov 8, 2021 - by James Lutter, PMA Funding

Hello old friend – The reappearance of excess deposit bonds

A tsunami of deposits has flooded financial institutions during the COVID pandemic. However, as the economy begins to recover, financial institutions are slowly getting back to growth mode. Even though ...

Jun 7, 2021 - by James Lutter, PMA Funding

The inflation “buzz” and the effects on financial institutions

What is all the buzz about inflation? Everywhere you turn, the headlines convey that inflation is looming on the horizon. From economists down to everyday investors, society is becoming concerned ...

Nov 12, 2020 - by James Lutter, PMA Funding

What’s trending in 2020?

The first three quarters of 2020 were definitely ones for the history books. Heading into 2020, there seemed to be an optimistic feeling toward economic growth. Conversely, being an election ...

Sep 11, 2020 - by James Lutter, PMA Funding

Analyzing deposit sources and managing expectations during the pandemic

The pandemic has brought to light the need to review deposit sources and manage depositor expectation. With massive monetary and fiscal stimulus, financial institutions are inundated with excess liquidity at ...

Jul 10, 2020 - by James Lutter, PMA Funding

Financial institution investing during the COVID-19 pandemic

We’re living through one of the most turbulent times in modern history and it’s currently being reflected in the banking and investment environment. The Federal Reserve System has ...

May 26, 2020 - by James Lutter, PMA Funding

LIBOR – Exit stage left?

The London Interbank Overnight Rate (LIBOR) is still on course to sunset at the close of 2021, or is it?  There are a number of uncertainties that currently cloud a ...

Mar 13, 2020 - by James Lutter, PMA Funding

ESG – What is it and how does it pertain to me?

ESG – Environmental, Social, and Governance: These are the three central pillars utilized by investors on measuring the social and sustainability (non-financial) factors of entities in which they invest. Investors who ...

Jan 9, 2020 - by James Lutter, PMA Funding

Looking back on 2019: A financial institution’s perspective on what’s to come in the new year

2019 will undoubtedly go down as one of the ugliest political circuses in U.S History. However, 2020 may top it with the upcoming election, ongoing impeachment and anticipated onslaught ...