Pub. 7 2012-2013 Issue 2

www.nebankers.org 26 Extraordinary Service for Extraordinary Members. ÆÏ Ï&ISERV Ï)NC ÏORÏITSÏAFlLIATES We’re lighting the digital path to more valuable customer connections. With Fiserv, you have the power to illuminate. The power within. getsolutions@fiserv.com 800-872-7882 www.fiserv.com • Banking & Finance • Municipal Law • Bankruptcy • Employment Law • Business & Commercial Law • Sanitary & Improvement Districts 2120 South 72nd Street, Suite 1200, Omaha, NE 68124 (P) 402.391.6777 (F) 402.390.9221 www.crokerlaw.com Croker,Huck,Kasher,DeWitt, Anderson & Gonderinger,L.L.C. AT T O R N E Y S AT L AW Providing quality legal services to businesses and individuals in such areas as: • Real Estate • Estate Planning • Probate • Taxation • Litigation • Tax Foreclosure what rate increasewould be necessary tomaintain current bal- ances in the money market, savings, and NOW accounts, as well as time deposits? Model a few scenarios using betas that greatly exceed existing (or historical) values to test the increase in interest expense, if historical “lags” prove ineffective. Finally, use a little caution when determining the duration (decay rate) of transaction accounts. It is fashionable to think transaction accounts are mostly core deposits. Be careful, as stated above, because many of the deposits picked up in the last few years may be temporarily parking their money, waiting for more attractive incentives. In summary, the prolonged low-rate environment has created a few “anomalies” in the balance sheet that deserve critical analysis beyond the surface numbers relied upon in the ALM reports. Z Lonnie Harris is an executive vice president of Asset Management Group Inc. (AMG), a wholly owned subsidiary of Country Club Bank. AMG provides asset-liability management (ALM) services and reportingon an outsourcing basis. For more information, contact Harris at (800) 226-1923 or lharris@countryclubbank.com . Report FCS Lending Abuses Bankers are continuing to send FarmCreditWatch reports of FCS lending abuses such as FCS loans for rural estates, weekend getaways, and hunting preserves. Email reports of similar lending abuses in your market to: green-acres@ ely-co.com. Please provide as much detail as possible about any loan that violates the spirit, if not the law, governing FCS lending. Farm Credit Watch Free to ABA Members If your bank belongs to the American Bankers Associa- tion (ABA), you can enjoy a free email subscription to Farm Credit Watch or you can read it monthly online at www.aba. com. To receive Farm Credit Watch by email or to manage your subscription, visit ABA Email Bulletins at www.aba. com/Members/Ebulletins/Pages/default.aspx and check or uncheck the appropriate boxes. For other inquiries, please contact Barbara McCoy at the ABA at 1-800-BANKERS or bmccoy@aba.com. Z Q FCS Owners — continued Q ALM Issues — continued To contact Bert Ely, email bert@ely-co.com ; fax (703) 836-1403; phone (703) 836-4101; or mail PO Box 320700, Alexandria, Va. 22320.