Financial Intelligence library_books Financial Intelligence April 26, 2023 Fourth Quarter 2022 Economic Update Fourth Quarter 2022 Economic Update Financial Intelligence library_books Financial Intelligence April 25, 2023 Liquidity Risk Management: More Than Checking a Box The recent bank failures of Silicon Valley Bank and Signature Bank have shown that liquidity risk can produce a bank failure instantly versus a slower, asset quality-related failure. Financial Intelligence library_books Financial Intelligence April 13, 2023 How Loan Balance Pricing Works On April 10, 2023, FHLBank Topeka activated loan balance pricing via the MPF Traditional Product. Financial Intelligence library_books Financial Intelligence April 7, 2023 Low Loan Balance Pricing Processing a mortgage involves costs, and most of those costs don’t change because of the loan amount. Financial Intelligence library_books Financial Intelligence February 15, 2023 Third Quarter 2022 Economic Update As expected, economic growth in the third quarter of 2022 rebounded into positive territory, buoyed by strong consumer spending despite rising rates and high inflation. Financial Intelligence library_books Financial Intelligence December 13, 2022 3Q 2022 Community Financial Institution Trends Quarterly Analysis for 3Q 2022 | This analysis provides financial and performance trend data for member institutions in FHLBank’s Tenth District comprised of Colorado, Kansas, Nebraska and Oklahoma. Financial Intelligence library_books Financial Intelligence November 8, 2022 Second Quarter 2022 Economic Update Despite strength in labor-related indicators and updated forecasts predicting positive economic growth in the third quarter of 2022, expectations remain that the U.S. economy will soon be in a recession. Financial Intelligence library_books Financial Intelligence August 8, 2022 Rates Go Up, You Lock In With the Federal Open Market Committee (FOMC) predicting four to five more rate hikes in 2022, our members are looking for ways to protect themselves and their balance sheet. Many have found value in the Forward Settling Advance (FSA), which hedges against rising rates and provides you an opportunity to lock in before additional FOMC increases. Financial Intelligence library_books Financial Intelligence August 3, 2022 First Quarter 2022 Economic Update First Quarter 2022 Quarterly Economic Update | This analysis provides economic data for member institutions in FHLBank’s Tenth District comprised of Colorado, Kansas, Nebraska and Oklahoma. Financial Intelligence library_books Financial Intelligence July 20, 2022 Beta Preparation Two things have remained consistent since the start of the pandemic – uncertainty and speed. As the Federal Open Market Committee (FOMC) combats inflation by rapid tightening with the historic rate increases and pace garnering greater publicity, deposit customers are beginning to seek more attractive yields. Financial Intelligence library_books Financial Intelligence July 8, 2022 1Q 2022 Community Financial Institution Trends Quarterly Analysis for 1Q 2022 | This analysis provides financial and performance trend data for member institutions in FHLBank’s Tenth District comprised of Colorado, Kansas, Nebraska and Oklahoma. Financial Intelligence library_books Financial Intelligence May 3, 2022 Fourth Quarter 2021 Economic Update After a tumultuous 2020, preliminary Real Growth Domestic Product (GDP) looks to close out 2021 with a major rebound. On average, Tenth District (District)* states have fared slightly worse than the rest of the U.S./r/n /r/nDespite the drag of COVID-19 on the travel industry, Colorado has proven most resilient among District states. Housing, construction and population growth continues to boom, while tech and information-driven industries have kept Colorado afloat. Colorado's 6% GDP growth was 26th among U.S. states in the fourth quarter 2021./r/n /r/nUntil fourth quarter 2021, the agricultural and manufacturing-focused states of Kansas and Nebraska generally managed more favorably than the rest of the country during 2021’s recovery. However, weakness in agriculture, forestry, fishing and hunting served as a major drag to the “Plains,”  dropping Kansas and Nebraska’s real GDP growth by 4% and 5.6%, respectively.   Financial Intelligence library_books Financial Intelligence April 18, 2022 Smart Moves for Every Scenario If there's a word that stands out from Chairman Powell's comments leading up to the Federal Reserve's next rate decision, it's "expeditiously." Financial Intelligence library_books Financial Intelligence March 30, 2022 4Q 2021 Community Financial Institutions Trends Quarterly Analysis for 4Q 2021 | This analysis provides financial and performance trend data for member institutions in FHLBank’s Tenth District comprised of Colorado, Kansas, Nebraska and Oklahoma. Financial Intelligence library_books Financial Intelligence March 1, 2022 A Match Made in Homeownership You are most likely aware of the Mortgage Partnership Finance® (MPF) Program and its availability to you as a member of FHLBank Topeka for delivering eligible loans into the secondary market. You may also be aware of our Homeownership Set-aside Program (HSP) which provides down payment, closing cost and repair assistance for first-time homebuyers. What you may not be aware of is how well these two programs can work together. Financial Intelligence library_books Financial Intelligence February 18, 2022 Don’t Predict, Prepare We examined recent comments from the Federal Reserve and devised a few scenarios to help our members prepare for what’s next. Financial Intelligence library_books Financial Intelligence January 5, 2022 Third Quarter 2021 Economic Update After a tumultuous 2020 with the pandemic ravaging state economies across the country, preliminary Real Growth Domestic Product (GDP) figures for 2021 second quarter indicate a major rebound. On average, Tenth District (District)* states have fared slightly worse than the rest of the U.S./r/n /r/nDespite the drag of the pandemic on the travel industry, Colorado has proven most resilient to the shutdown among District states. Housing and construction continues to boom, while tech and information-driven industries also kept Colorado afloat. 7.2 percent GDP growth was 11th among U.S. states in the second quarter of 2021. Financial Intelligence library_books Financial Intelligence December 23, 2021 3Q 2021 Community Financial Institutions Trends Quarterly Analysis for 3Q 2021 | This analysis provides financial and performance trend data for member institutions in FHLBank’s Tenth District comprised of Colorado, Kansas, Nebraska and Oklahoma. Financial Intelligence library_books Financial Intelligence September 21, 2021 2Q 2021 Community Financial Institutions Trends Quarterly Analysis for 2Q 2021 | This analysis provides financial and performance trend data for member institutions in FHLBank’s Tenth District comprised of Colorado, Kansas, Nebraska and Oklahoma. Financial Intelligence library_books Financial Intelligence August 6, 2021 Strategies for Success Excess liquidity continues to linger for many of our members. Financial Intelligence library_books Financial Intelligence July 23, 2021 1Q 2021 Tenth District Community Financial Institution Trends Quarterly Analysis for 1Q 2021 | This analysis provides financial and performance trend data for member institutions in FHLBank’s Tenth District comprised of Colorado, Kansas, Nebraska and Oklahoma. Financial Intelligence library_books Financial Intelligence May 19, 2021 First Quarter 2021 Economic Update Despite strong rebounds in the third quarter of 2020 and positive growth in the fourth quarter, preliminary Real Gross Domestic Product (GDP) 2020 growth rates among Tenth District (District)* states closed the year negative. Financial Intelligence library_books Financial Intelligence February 18, 2021 Fourth Quarter 2020 Economic Update Third quarter Real Gross Domestic Product (GDP) growth rates among Tenth District* states reflect a reversal of the negative trend Financial Intelligence library_books Financial Intelligence December 9, 2020 3Q 2020 Community Financial Institutions Trends Quarterly Analysis for 3Q 2020 | This analysis provides financial and performance trend data for member institutions in FHLBank’s Tenth District comprised of Colorado, Kansas, Nebraska and Oklahoma. Financial Intelligence library_books Financial Intelligence November 6, 2020 Overnight Line of Credit Makes Institutions More Efficient Even in these times of high liquidity and limited investment options, many FHLBank Topeka members continue to use their FHLBank overnight line of credit (OLOC) to help manage their daily cash position. Financial Intelligence library_books Financial Intelligence October 23, 2020 Exposing the Fallacy of the Loan-to-Deposit/Share Ratio Exposing the Fallacy of the Loan-to-Deposit/Share Ratio. We commonly hear from our members that one of the reasons they choose to use either brokered deposits or online listing service deposits instead of FHLBank advances is their desire to improve the institution’s loan-to-deposit/share (LTD) ratio./r/n /r/n /r/nGet Whitepaper Financial Intelligence library_books Financial Intelligence October 14, 2020 2Q 2020 Community Financial Institutions Trends Quarterly Analysis for 2Q 2020 | This analysis provides financial and performance trend data for member institutions in FHLBank’s Tenth District comprised of Colorado, Kansas, Nebraska and Oklahoma. Financial Intelligence library_books Financial Intelligence September 16, 2020 More “core” than core deposits Historically core deposits from an institution’s immediate market area provided the funds that enabled an institution to make loans and invest in income generating assets. Financial Intelligence library_books Financial Intelligence August 11, 2020 Second Quarter 2020 Economic Update Real Gross Domestic Product (GDP) growth among Tenth District* states was negative in Q1 2020. All four states were above to slightly above the national rate of -5.0%. Financial Intelligence library_books Financial Intelligence June 1, 2020 1Q 2020 Community Financial Institutions Trends Quarterly Analysis for 1Q 2020 | This analysis provides financial and performance trend data for member institutions in FHLBank’s Tenth District comprised of Colorado, Kansas, Nebraska and Oklahoma. Financial Intelligence library_books Financial Intelligence April 28, 2020 First Quarter 2020 Economic Update Real Gross Domestic Product (GDP) growth among Tenth District* states was positive, but the same as or down from year-end (YE) 2018. Financial Intelligence library_books Financial Intelligence April 24, 2020 Mortgage Servicing Marketplace in the Face of the COVID Pandemic We are currently witnessing a global economic slowdown due to the COVID-19 outbreak Financial Intelligence library_books Financial Intelligence February 18, 2020 Fourth Quarter 2019 Economic Update Tenth District Economic Update For the Fourth Quarter of 2019. Real Gross Domestic Product (GDP) growth among Tenth District states was positive and improved from year-end 2018 to Q3 2019 in all states but Colorado, and all states but Oklahoma outpaced the U.S. growth rate in Q3. Financial Intelligence library_books Financial Intelligence December 23, 2019 New reference rate LIBOR has been in the financial news since July 2017 when the UK’s Financial Conduct Authority decided to phase out this reference rate, which over $350 trillion in financial products are based upon. Ralph Waldo Emerson said it best with this quote, “The future belongs to those who prepare for it.” If you have not started a plan to address the LIBOR transition, now is the time to begin. Financial Intelligence library_books Financial Intelligence October 3, 2019 Safety in numbers Accepting public unit deposits is an important part of supporting your community. How can you do this in a safe and efficient way? Many members are turning to the FHLBank letter of credit.  Financial Intelligence library_books Financial Intelligence July 10, 2019 Member Insights We know our members have many choices when it comes to funding. What sets FHLBank products apart?