Articles

ProBank Austin Advisor

September 25, 2018 - 1 min read

Intermediate and long-term market rates have begun to move up as the Fed meets The Fed meets this week with a strong consensus forecast of another increase in managed rates. The FOMC is expected to raise the target rate for Fed Funds by 25 basis points to 2.0-2.25% on Wednesday. This is a meeting which…

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Employment Opportunity: Senior Financial Analyst

September 24, 2018 - 2 min read

  Senior Financial Analyst We are seeking an individual with experience in the banking or credit union industry to work with our team to provide monthly and quarterly reporting and consulting to our financial institution clients.  The predominant workflow surrounds asset/liability (ALCO) and interest rate risk (IRR) reporting.  The candidate must have the ability and…

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ProBank Austin Advisor

September 17, 2018 - 1 min read

Market rates rose last week even as the data came in below forecasts  The yield on the ten-year treasury ended last week at 3.0%. The rise to this level has occurred three times this year only to back off to well below this barrier. The rise took place even as the August inflation data was below prior months and…

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Credit for Funding on Non-Maturity Deposits

September 13, 2018 - 2 min read

Essential Concepts in Pricing Loans Relationship profitability is an important metric within most pricing models.  While it is important to understand the profitability impact of individual new loans, it is crucial to understand how the pricing decision on a new credit will impact the profitability of the entire customer relationship.  These relationships often include deposit…

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ProBank Austin Advisor

September 10, 2018 - 1 min read

Economic data released last week was strong with rising inflation risks affecting markets Any doubts as to whether the surge in consumption reported for the second quarter can continue in the third quarter is quickly being eliminated with data being released. The labor market report for August reported last Friday was a solid number. It…

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ProBank Austin Advisor

August 27, 2018 - 1 min read

Domestic economic fundamentals continued strong at the start of the third quarter The data due out this week will contribute to the determination of the sustainability of the business expansion . The risk has been whether the strong growth of the second quarter of this year can continue into the third quarter. There have been three quarters…

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ProBank Austin Advisor

August 20, 2018 - 1 min read

Risks to financial markets were reduced last week The concern by investors has been twofold in the last month. First, the risk that the economy was going to slow from the strong second quarter growth was reduced last week with the release of July retail sales . Overall, sales were reported as having increased by…

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Seamless Transitions the Order of the Day

August 20, 2018 - 4 min read

Eno to Keene.  Connor to Waldron.  Palmer to Daust.  Mann to Schaible.  Lueth to Bitzer.  Ward to Oldford.  Eichler to Snider.  These are just a few of the management transitions in process across the Michigan banking sector. Some involve the assumption of full CEO responsibilities, while others set the stage by designating the President’s title…

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ProBank Austin Advisor

August 13, 2018 - 1 min read

The fiscal stimulus of tax cuts are being undermined by the uncertainty of a trade war Investors continue to focus on the negative impact of the developing trade war as opposed to the strong economic growth data being released. The yield on the ten-year treasury has backed down from 3% two weeks ago to close last week at 2.86%….

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ProBank Austin Advisor

August 6, 2018 - 1 min read

All of the data released last week strengthens the probability of a rate increase in September The wealth of data released last week continues to point to a strong rebound in growth still in place. The labor market remains tight even with nonfarm payroll growth in July at 157,000, well below the results of May…

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ProBank Austin Advisor

July 31, 2018 - 1 min read

Real GDP came in as expected while the components indicate a strong recovery will continue The headline number for second quarter economic growth came as expected but for much different reasons than forecast. The Advance Report for Real GDP resulted in 4.1% growth over the first quarter with the consensus forecast calling for 4.2%. This…

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