The latest from James Lutter

Sep 26, 2018 - by James Lutter, PMA Funding

FHLB – Not only for advances

Liquidity, liquidity, liquidity; it’s one of the central themes of 2018.  As loan growth continues to expand, liquidity has returned to the spotlight.  Securing diversified sources though a well-defined ...

Jul 25, 2018 - by James Lutter, PMA Funding

Collateral – Pledged securities

As the economy continues to expand, so do the appetites of financial institutions for additional funding sources. Political subdivisions can be a significant funding source without cannibalizing a financial institution’...

Mar 27, 2018 - by James Lutter, PMA Funding

Utilizing political subdivisions as a stable funding source

As the economic cycle continues to heat up, financial institutions are accessing additional deposit funding channels. From a deposit strategy, often overlooked sources of deposits are political subdivisions. Most credit ...

Jan 24, 2018 - by James Lutter, PMA Funding

2017: A brief recap and the effect on financial institutions

Perhaps the biggest story of 2017 focused on President Trump and the assembly of his Administration. Trump’s Administration transitioned into the White House at the end of January with ...

Jul 20, 2017 - by James Lutter, PMA Funding

2017: Rounding second and headed to third

During the second quarter of 2017, the economy grew 1.4 percent, with the Fed’s key inflation indicator dropping to 1.4 percent in May (this after reaching as ...

Jun 19, 2017 - by James Lutter, PMA Funding

A case for brokered deposits

Over the past decade, following the financial crisis, low interest rates and investor risk aversion fueled large core deposit balances across the banking industry. As interest rates have risen, most ...

May 15, 2017 - by James Lutter, PMA Funding

Active or passive funding strategy – Tug of war

The Fed is still on course to raise interest rates 25 basis points in June. This would be the second rate increase in 2017, despite a GDP reading of .7 ...

Mar 23, 2017 - by James Lutter, PMA Funding

The staircase – rising interest rates

Climbing stairs is hard, but effective. It is a unique form of exercise that can have a powerful and positive impact on your health over time – especially if you’ve ...