c. myblog

September 12, 2018

Rewards in Risk/Reward Trade-offs

Since market rates have been increasing, more focus is being put on balance sheet optimization. It’s important to remember that many types of analyses, such as NEV and NII volatility, focus on the risks when viewed in a rising rate environment. It’s important to understand the risks, but not in a vacuum. Remember to view […]

August 22, 2018

Planning for the Unexpected?

Although the economy is humming along nicely right now, a survey of U.S. economists conducted by the National Association of Business Economics in May of 2018 suggested things could be changing. The results revealed that a full two-thirds of those surveyed believe the U.S. will experience a recession by the end of 2020. Numerous potential […]

May 3, 2018

Additional Considerations of A/LM Implications of Recent Tax Reform

In early February, the blog post, The A/LM Implications of Tax Reform, addressed some of the potential A/LM considerations of the recent Tax Cuts and Jobs Act.  The focus at that time was on the potential challenges and opportunities stemming from: Lower corporate tax rate Reduction in the mortgage interest cap Changes to individual tax rates […]

April 26, 2018

Is ARM Refinancing Set to Increase?

Last week we posted a blog on the evolving mortgage landscape, focusing on changing consumer behaviors and expectations.  This blog addresses a more specific aspect of mortgage lending, the likelihood that due to increases in mortgage rates, financial institutions will see an increase in existing adjustable rate mortgages (ARM) that refinance, as well as an […]

February 9, 2018

The A/LM Implications of Tax Reform

While it could take years to quantify and understand the full impact of the recent Tax Cuts and Jobs Act, it is not too early to start thinking through the potential A/LM implications.  There are several intriguing changes, embedded within hundreds of pages of legislation.  The focus here will be on a few key highlights, […]

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