Bank Directors Seminar, Coeur d'Alene, ID, September 15-17, 2019

FHLB SYSTEM A NATION OF LENDERS

• Commercial banks are the largest borrowers, with insurance companies the second largest cohort

Number of Member Borrowers^

% of Total Member Borrowers*

Total Advances ($ in millions)

% of Total Advances*

Company

Commercial Bank Members

64.5% 2,548

65.4%

470,382

Insurance Company Members

14.3%

177

4.5%

104,322

ACCOMPLISMENTS SINCE MERGER Savings Institutions Credit Union Members

11.7%

499

12.8%

85,702

7.9%

649

16.6%

57,746

CDFI Members

-

25

0.6%

222

Non Member Borrowers

1.4%

-

-

10,132

Housing Associates

0.1%

-

-

995

Total

100.0% 3,898

100.0%

729,501

*Totals may not equal 100% due to rounding ^Total membership count was 6,863 as of December 31, 2018

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Data as of December 31, 2018, unless noted differently

 Headquartered in Des Moines, Iowa  Western Office in Seattle, Washington  District includes 13 states and three U.S. Pacific Territories  Over 1,340 members  Supports mortgage lending, economic development and affordable housing  Represented by 74 Member of Congress including 26 Senators FHLB DES MOINES OVERVIEW

$7.6 billion of Regulatory Capital

$101.3 billion of Advances

$8.3 billion of Mortgages

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Data as of June 30, 2019, unless noted differently. Data subject to rounding.