Articles: 2021

November 2021

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 financial institutions continue to feel pressures of excess liquidity, the tide is changing as consumers face higher prices and the FED looks to tapper liquidity. There are a variety of options for financial institutions to grow deposits. One constant option is the political subdivision/institutional depositor.

July 2021

CFO Focus: To Bitcoin Or Not To Bitcoin…

Describing 2020 as “weird” is like saying the distance to the moon is “far.” It does not do it justice. A weird headline that was an attention-grabber in 2020 was the astronomical rise of bitcoin and the overall cryptocurrency market. Bitcoin started 2020 at ~$7,400 and had a market capitalization of ~$134 billion and ended 2020 with a price of ~$29,000 and a market cap of ~$550B. During that time, the overall cryptocurrency market grew from $200 billion to $750 billion.

By: D. James Lutter

June 2021

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 about the effects of inflation. What is inflation? In the simplest form, it is the decline of purchasing power due to an increase in the price of goods and services over a period

By: D. James Lutter

Co-author: Todd Terrazas