The latest from James Lutter

- by James Lutter, PMA Funding

A rising rate lifts all rates – or does it?

We’ve all heard the phrase “A rising tide lifts all boats”. However, when the Federal Reserve increases short-term interest rates, does it automatically translate into higher short-term rates for ...

- by James Lutter, PMA Funding

Know your funding sources

The old adage states, “easy come, easy go”. Since 2008, financial institutions have easily grown and maintained stable deposit balances. Due to risk aversion among the general public, deposits across ...

- by James Lutter, PMA Funding

Prepare to expect unexpected interest rates

Words like “typically”, “historically”, “in the past” and “previously” are used to describe how prior experiences can be used to understand the possibilities of future outcomes. Historical analysis is often ...