Insights & News

EXECUTIVE SUMMARY: DR. EDMOND J. SEIFRIED May 2022 ECONOMIC ANALYSIS

BREAKING NEWS — MARKET SPECULATION & THE STATE OF THE ECONOMY   DATE: May 3, 2022  | BY: Dr. Edmond J. Seifried,

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Dr. Ed Seifried’s FOMC Meeting Commentary Report – May 3,4 2022

FEDERAL OPEN MARKET COMMITTEE (FOMC) MEETING RESULTS: DATE: January 25, 26 2022  |  MEETING LOCATION: Virtual 1Fed pledges to use full range

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FTDO: How about just buying Treasuries now

Summary: ​The Treasury trade is looking very interesting at the moment. You might want to consider it if it fits your

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Buying Bigger & Smaller Security Sized Quantities Can improve Yield, ROI, ROA, and Capital

Summary: Historic Treasury Selloff Opens Old Wounds  The ongoing sell off in the U.S. Treasury market is increasing the appeal of

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FTDO: Some MBSs may extend and not pay down as expected

Summary: While the M1 money supply does seem daunting and inflation does seem to be an imminent challenge, long term

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Has the Treasury Rout Stopped?

Summary: Historic Treasury Selloff Opens Old Wounds The ongoing sell off in the U.S. Treasury market is increasing the appeal of most

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What does the Ukraine crisis mean for Community Banks?

Summary: These types of crises generally tend to only have a significant and lasting impact on global financial markets if they

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1970 to 2020: Inflation, Rates, Stocks

Summary: Some important historical perspective to consider during times of volatility 1. Stocks generally do not do much during high periods

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EXECUTIVE SUMMARY: DR. EDMOND J. SEIFRIED ECONOMIC ANALYSIS

BREAKING NEWS — MARKET SPECULATION & THE STATE OF THE ECONOMY    DATE: February 1, 2022  | BY: Dr. Edmond J. Seifried,

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Dr. Ed Seifried’s FOMC Meeting Commentary Report – January 25, 26 2022

FEDERAL OPEN MARKET COMMITTEE (FOMC) MEETING RESULTS: DATE: January 25, 26 2022  |  MEETING LOCATION: Virtual 1Fed pledges to use full range

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NASA, We have liftoff. Should you move from AFS to HTM?

Summary: Sequential occurrences needed to happen to confirm a possible normalization of rates. It seems that they may have begun

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FTDO: Inflation. Money supply. And 2022.

Summary: While the M1 money supply does seem daunting and inflation does seem to be an imminent challenge, long term

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FTDO: Wither markets? Wither rates? Wither costs?

Summary: Three important things to consider. Historically markets tend to revert back to the mean. Historically, most investment managers cannot

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Dr. Ed Seifried’s FOMC Meeting Commentary Report – July 27 – 28

FEDERAL OPEN MARKET COMMITTEE (FOMC) MEETING RESULTS: DATE: July 27 - 28, 2021  ​MEETING LOCATION: Virtual 1Fed pledges to use

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CECL: THE TIME IS NOW…

Community financial institutions (CFI’s) are arguably more challenged than they have been in decades. So, happily, many CFI’s drew a

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ALCO AND DECISION MAKING WHAT FACTORS INFLUENCE YOUR DECISIONS… HARD DATA, GUT INSTINCTS, OR PERSONAL BIASES?

Decision making is an essential skill of every successful business leader. While easier said than done, decision makers must interpret

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Dr. Ed Seifried’s FOMC Meeting Commentary Report – June 15, 16

FEDERAL OPEN MARKET COMMITTEE (FOMC) MEETING RESULTS: DATE: June 15 - 16, 2021  |  MEETING LOCATION: Virtual 1Fed pledges to use

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EXECUTIVE SUMMARY: DR. EDMOND J. SEIFRIED Q1 2021 ECONOMIC ANALYSIS

BREAKING NEWS — MARKET SPECULATION & THE STATE OF THE ECONOMY   DATE: May 5, 2021  | BY: Dr. Edmond J. Seifried,

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MITIGATING THE RISK OF PREPAYMENTS

What is an MBS:  A mortgage-backed security is a type of debt security collateralized by mortgages and primarily offered through

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DEVELOPING AN ANNUAL ALCO CALENDAR AS A BEST PRACTICE

There just aren’t enough hours in the day. How often does that thought cross your mind?Our lives are so busy

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GENERATING ADDITIONAL YIELD THROUGH BOND SUBSTITUTION and AGGREGATION

Change In Mindset – Change In Yield? “To enjoy a reasonable chance for continued better-than-average results, the investor must follow

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REGISTERED INVESTMENT ADVISORY vs. BROKERAGE AS DIFFERENT AS NIGHT AND DAY

What’s the Difference and Why Should You Care? If you are one of the many individuals who believe the two

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RAISING THE ISSUE OF ANNUAL RAISES: A METHODICAL APPROACH IN THESE TIMES OF UNCERTAINTY

If your financial institution is anything like the programs that I communicate with on a routine basis, your staff has

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Where have all the seasoned MBSs gone?

Once a readily available investment option, seasoned MBS’s are becoming increasingly scarce in the secondary trading arena, especially those with

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WHEN DOES PAYING MORE MAKE SENSE?

Premium vs. Par Bonds:WHEN DOES PAYING MOREMAKE SENSE?“Price is what you pay. Value is what you get”- Warren BuffetShould interest

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GENERATING NEW ISSUE MUNI’S VS. SECONDARY PURCHASES

Fixed Income Securities: NEW ISSUE MUNI’S VS. SECONDARY PURCHASES An Apples-to-Apples Comparison? We live in a society that operates in

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Dr. Ed Seifried’s FOMC Meeting Commentary Report – April 27, 28

FEDERAL OPEN MARKET COMMITTEE (FOMC) MEETING RESULTS: DATE: April 27 - 28, 2021  |  MEETING LOCATION: Virtual 1Fed pledges to use full

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GENERATING RETURNS USING FLOATING RATE MBS

Chasing Yield and the Race to Zero “Chasing Yield” and “The Race to Zero” are two terms being tossed about

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A COMMUNITY PERSPECTIVE OF A GLOBAL SITUATION: LIBOR TO SOFR

“You need lucky breaks to be successful.”Richard Branson I don’t know if the Intercontinental Exchange Benchmark Administration’s (IBA) announcement on

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KICK UP PERFORMANCE WITH KICKER BONDS

“The fundamental law of investing is the uncertainty of the future.”  Peter Bernstein As Mr. Bernstein once said, uncertainty is

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Taxable Municipal Bonds, Gaining Ground in a Low Interest Rate Environment

With over $170B of taxable municipal bonds issued in 2020, the year marked a ten year high for new issues,

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