Hoosier Banker 37 the timing lag between the change in market rates and the manifestation of that change on banks’ lending rates is often very short or nonexistent. It might be instructive, now that several increases in the prime rate have occurred, to compare the current schedule of lending rates at your bank to the rates that were in place before the Fed began its rate normalization process. As critical as NMD pricing assumptions are to the accurate projection of interest expense, the validity and reasonableness of asset pricing assumptions are just as crucial to the accurate projection of interest income. If your current lending rates are little changed from their pre-normalization levels, it might be time for the asset liability committee to re-evaluate some of those assumptions before you start smelling smoke. HB James Brown Correspondent Banking NOT FDIC INSURED MAY LOSE VALUE NO BANK GUARANTEE WEALTH MANAGEMENT & TRUST Retirement Plans 401K, PENSION & MORE Investment Management Insurance Financial & Estate Planning Trust Partnering MEMBER FDIC EQUAL HOUSING LENDER CORRESPONDENT BANKING LENDING SERVICES Holding Company Lending » Acquisition Financing BOTH WHOLE BANK & BRANCH » Stock Buy Back Financing » ESOP Financing » Additional Capital for Growth & etc. Fed Funds Lines of Credit Loan Participations Commercial Credit Cards & Purchasing Cards DEPOSIT & TREASURY SERVICES DDA Accounts Fed Funds Sweeps Accounts Certi cates of Deposit Wire Transfer / ACH INTERNATIONAL SERVICES Foreign Exchange BOTH CHECKS & WIRES Letters of Credit IMPORT, EXPORT & STANDBY Import & Export Advisory Services Count on us… JAMES BROWN James Brown has over 25 years of banking experience in Retail, Small Business, Corporate and Correspondent Banking. (502) 625-9330 james.brown@syb.com The Indiana Bankers Association has been honored with the 2017 Impactful Technology award of excellence from the Indiana Society of Association Executives. The award, presented at a gala event on Dec. 7 in downtown Indianapolis, was in recognition of the multipurpose IBA App, which provides anytime/ anywhere access to IBA events, staff listings, Hoosier Banker Digital and other IBA opportunities. Designed by IBA’s Christina M. Bennett, CMP, vice president-meetings & events, the IBA app originally was purposed for IBA large-scale events to provide attendee access to scheduling information, presentation handouts and other materials. The app has since expanded to include social media share and other IBA offerings. For more information about the IBA app, visit: indianabankers.org/mobile-app. HB IBA Wins Statewide Award Mark McSweeney, executive director of the Indiana Society of Association Executives, presents the 2017 Impactful Technology award to Christina M. Bennett, IBA’s vice president-meetings & events.
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