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

FHLB DES MOINES MEMBER BORROWING

Strategic Analysis and Funding Strategies

Tools

Commentary

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Public Unit Deposit Letter of Credit Calculator

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‘From the Desk’ – daily commentary email with rates

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General and Targeted Funding Strategies

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Blended Funding Tools

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Quarterly economic overview and custom financial performance trend analysis

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Deposit Rate Study vs. Advances vs. Brokered CDs

Marginal Cost of Funds Tool Beat the Spread trade Tool Dividend Discount Calculator Fixed Rate vs. Adjustable Rate tool

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DuPont Analysis

Financial Performance Trend Analysis

FHLB Des Moines Member Solutions and Strategies team is your complementary consulting resource available to provide members with tools and analysis for their unique markets, risks & performance opportunities. Contact your Relationship Manager to learn more about utilizing these tools and solutions for your financial institution.

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FHLB DES MOINES MEMBER BORROWING

Advances vs. Brokered CD: Market Share (Absolute Dollars) • Range of market share indicative of impact of larger members • Fed rate hikes generally causes incremental BRK CD usage due to faster repricing of advances

FHLB DSM Banks & Thrifts Wholesale Market Share (Absolute) (Ex WF, BOA & KEYBANK)

35% 40% 45% 50% 55% 60% 65% Market Share

2017Q1 2017Q2 2017Q3 2017Q4 2018Q1 2018Q2 2018Q3 2018Q4 2019Q1 2019Q2 BRK CD 61% 59% 58% 60% 53% 54% 55% 56% 63% 59% FHLB 39% 41% 42% 40% 47% 46% 45% 44% 37% 41%

BRK CD FHLB

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