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

FHLB DES MOINES MEMBER CREDIT

CAMELS Ratings vs. Credit Limit “Typical” Distribution

Note: Large " X " = Primary Category Small "x" = Secondary Category

CAMELS Rating

FHLB Des Moines Credit Limit

1

2

3

4

5

45%

X

X

35%

X

X

x

25%

X

x

20%

X

x

10%

X

<10%

X

x

LOCs with an original term of greater than two years require an annual issuer termination option Termsare effective 10/2/17, and can be found on the FHLB Websiteat: http://members.fhlbdm.com/advance-collateral/determine-your-loan-to-value /

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FHLB DES MOINES MEMBER CREDIT

Credit Capacity and Collateral Requirements (Federally Insured Members)

Credit Capacity % of Total Assets

Advance Term Limits

LOC Term Limits *

Collateral Pledging Status

45%

None

None

Standard Reporting

35%

None

None

Standard Reporting

25%

None

None

Standard Reporting

20%

5 years

5 years

Listing Required

10%

2 years

2 years

Delivery Required

5%

1 year

1 year

Delivery Required

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