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HomeMy WebLinkAbout04/21/2020 04C 2020 1st Quarter Treasury ReportB US INE S S O F T HE C I T Y C O UNC I L YAK I M A, WAS HING T O N AG E ND A S TAT E M E NT I tem No. 4.C. F or Meeting of: April 21, 2020 I T E M T IT L E :2020 1st Quarter Treasury Report S UB M IT T E D B Y:S teve Groom, Director of Finance & Budget S UM M ARY E X P L ANAT I O N: The Treasury Report for the first quarter of 2020 is attached and consists of the following: 1. F irst Quarter Treasurer’s Report · Cash and I nvestments · L ongterm Debt · I nterfund B orrowings 2. Monthly Transactions S ummary · I nvestment Committee Review I T E M B UD G E T E D:NA S T RAT E G I C P RI O RI T Y:P ublic Trust and Accountability AP P RO V E D F O R S UB M IT TAL B Y T HE C IT Y M ANAG E R RE C O M M E ND AT I O N: A ccept report. AT TAC HM E NT S : Description Upload Date Type 2020 Q1 Treasury Report 4/6/2020 Backup Material 1 FINANCE Date: April 2, 2020 To: Mayor and City Council Alex Meyerhoff, Interim City Manager From: Steve Groom, Finance Director Kimberly Dominé, Finance Division Manager Jennifer Morris, Financial Services Officer Re: 2020 – 1st Quarter Treasury Report This report is to transparently report the City’s cash position and investment activity for the quarter just ended. Each investment is in compliance with the City’s Investment Policy, State Statues and City Municipal Code. The City’s investment policy was reviewed and approved by City Council on March 5, 2019; and the policy received a Certification of Excellence from the Washington Public Treasurer’s Association on April 10, 2019. Total Cash and Investments at Quarter-end total $95.4 million: $17.7 million in depository banks, $19.9 million in the State Pool, and $57.8 million invested. The following chart shows the 5-year trend of total cash and investments month by month. 2 FINANCE The City’s Investment Portfolio The City’s investment activities are governed by State regulations and the City of Yakima’s Investment Policy. All investments are in full compliance with the City’s Investment Policy, State Statues and City Municipal Code. Calls or Maturities. During last quarter, the following matured or were called: 1496 $2,015,000 FFCB called 03/13/2020 1498 $3,000,000 FFCB matured 01/30/2020 1493 $3,203,000 REFCORP sold 02/11/2020 1495 $2,137,000 REFCORP sold 02/11/2020 1499 $1,000,000 REFCORP sold 02/11/2020 1510 $1,000,000 FHLMC called 03/27/2020 1514 $1,000,000 FHLMC called 03/27/2020 1490 $2,000,000 FNMA called 03/30/2020 1491 $2,000,000 FNMA called 03/30/2020 Purchases: During the last quarter, the following were purchased: 1547 $1,000,000 US Treasury to mature 6/30/2020 1548 $1,000,000 FHLB to mature 08/25/2020 1549 $1,000,000 US Treasury to mature 03/31/2021 1550 $1,000,000 FNMA to mature 04/5/2022 1551 $1,000,000 FFCB to mature 11/7/2022 1552 $1,000,000 FAMCA to mature 1/10/2024 1553 $1,000,000 US Treasury to mature 4/30/2024 1554 $1,000,000 FHLB to mature 12/13/2024 1555 $1,000,000 FAMCA to mature 1/3/2025 1556 $1,000,000 FHLB to mature 3/11/2022 1557 $1,000,000 FFCB to mature 2/2/2023 3 FINANCE The following graph illustrates the maturity distribution of city investments. Diversifying by maturity reduces the re-investment risk the city is subject to in any given month when an investment matures and the principal is reinvested at rates available at that moment. The following graph illustrates the diversification by issuer of city investments. Diversifying by issuer reduces the credit risk the city is subject to from any one issuer as well as diversifies market price fluctuations which can vary by issuer. 4 FINANCE Execution of each investment transaction contemplated ongoing cash flows from city operations, debt obligations, liquid and maturing securities, and contingencies to meet the City’s future cash flow requirements. The City’s Investment Portfolio consists of three general tiers which coincide with the primary considerations of prudent investing: 1)The Safety portion of the Portfolio consists of funds invested in the Local Government Investment Pool (LGIP, or State Pool) managed by the State Treasurer, available same- day. This allows for seasonal fluctuations, primarily the April/October inflows of Property Tax and the outflows of debt service and capital projects. 2)The Liquidity portion of the Portfolio consist of demand deposit (checking) accounts at banks which are qualified public depositaries, protected above FDIC-insured balances through the actions of the Washington State Public Deposit Protection Commission (PDPC). 3)The Yield portion of the Portfolio consists of a diversified portfolio of Agencies, Treasuries and/or other authorized investments with staggered maturities of up to five years. Based on analysis of historical cash reserves and budgetary planning, this segment will not be subject to seasonal spending and continues to be safely invested long-term. Current Rates. As of March 31, 2020, the fixed income market is experiencing extreme uncertainty, evidenced by a yield curve that is extremely low and flat. The difference between the 1-year Treasury at 0.16% and the 5-year Treasury at 0.37% was 26 basis points. The 30-day yield of the State Pool was at 1.260%, with a 45-day avg. maturity so will continue to fall. Economic Outlook. The Federal Reserve had lowered the rates three times in 2019 to 1.75 and in March 2020 lowered twice, to zero, during the Coronavirus pandemic. Unemployment, nationally, has suddenly spiked and the economy is experiencing drastic volatility; it is unclear how long nor how deep the current conditions will exist. Strategy Notes. The City of Yakima’s investments are not typically actively traded, meaning that no attempt to “buy low and sell high” or “time the market” is made. Investments purchased with the intent of providing investment income are intended to be held to maturity, relying on following a prudent course of action for income rather than predicting market direction. Three large positions in Resolution Funding Corp were sold prior to maturity during the last quarter to smooth future spikes creating reinvestment risk. Debt Activity All debt payments were paid out as scheduled. A comprehensive city-wide debt report is attached with current balances. Interfund Borrowings and Investments Borrowing between funds is temporary in nature, reviewed periodically by staff and Council, amended as circumstances change. All debt payments continue as scheduled. 5 Current Prior Quarter Prior Year Description 3/31/2020 12/31/2019 3/31/2019 Cash Balances on Hand in Banks 17,747,789$ 18,154,002$ 10,628,760$ Local Government Investment Pool (LGIP)19,857,276 19,786,229 26,428,425 Investment Portfolio 57,829,000 64,184,000 52,602,000 Total Investments 77,686,276 83,970,229 79,030,425 Total Cash and Investments 95,434,066$ 102,124,232$ 89,659,185$ Beg Balance Purchases Interest Maturities, Calls End Balance Summary of Investment Activity 12/31/2019 & Deposits Reinvested & Withdrawals 3/31/2020 Local Government Investment Pool (LGIP)19,786,229$ 8,000,000$ 71,047$ (8,000,000)$ 19,857,276$ Investment Portfolio 64,184,000 11,000,000 - (17,355,000) 57,829,000 Total Investments 83,970,229$ 19,000,000$ 71,047$ (25,355,000)$ 77,686,276$ City of Yakima Cash and Investment Summary March 31, 2020 6 Depository Banks, $17,747,789 , 19% Local Government Investment Pool, $19,857,276 , 21% Investment Portfolio, 57,829,000 , 60% City of Yakima Distribution of Cash and Investments as of 3/31/2020 7 Expected Days to Call Agency Inv#CUSIP Face Value Price Coupon Yield Settle Maturity Maturity Market Type Moodys S&P Fitch FFCB 1520 3133EKJS6 1,000,000 1,000,000 2.400 2.400 4/29/19 4/29/20 29 1,002,022 NC Aaa AA+AAA FNMA 1488 3136G3QK4 3,000,000 2,999,970 1.500 1.500 6/3/16 5/22/20 52 3,005,532 Qtrly Aaa AA+AAA US T 1547 912828XH8 1,000,000 1,000,508 1.625 1.496 2/4/20 6/30/20 91 1,003,794 NC Aaa NA AAA FNMA 1494 3136G4GK3 2,010,000 1,995,172 1.350 1.560 12/14/16 7/28/20 119 2,012,388 Qtrly Aaa AA+AAA FHLB 1548 3130AAX52 1,000,000 1,001,159 1.750 1.540 2/4/20 8/25/20 147 1,006,097 NC Aaa AA+NA US T 1526 912828VZ0 1,000,000 1,001,563 2.000 1.847 09/16/19 9/30/20 183 1,009,922 NC Aaa AA+NC RFCSP 1502 76116FAE7 2,122,000 1,999,174 2.250 2.250 02/14/18 10/15/20 198 2,118,842 NC Aaa AA+AAA US T 1534 9128285Q9 1,000,000 1,012,227 2.750 1.630 10/22/19 11/30/20 244 1,017,734 NC Aaa AA+AAA FFCB 1542 3133ELAQ7 1,000,000 1,000,000 1.600 1.600 11/22/19 12/22/20 266 1,007,891 NC Aaa AA+AAA RFCSP 1500 76116FAG2 2,667,000 2,499,062 2.200 2.200 01/25/18 1/15/21 290 2,651,665 NC Aaa AA+AAA US T 1549 912828Q37 1,000,000 997,695 1.625 1.496 2/4/20 3/31/21 365 1,011,211 NC Aaa NA AAA FFCB 1518 3133EKGY6 1,000,000 1,000,000 2.375 2.375 4/15/19 4/15/21 380 1,019,853 NC Aaa AA+AAA BNY 1521 06406FAB9 1,000,000 989,800 2.050 2.574 4/30/19 5/3/21 398 1,005,470 NC A1 A AA- US T 1543 912828WY2 1,000,000 1,009,453 2.250 1.660 12/11/19 7/31/21 487 1,027,578 NC Aaa AA+AAA FHLMC 1539 3137EAEC9 1,000,000 991,002 1.125 1.650 11/14/19 8/12/21 499 1,009,630 NC Aaa AA+AAA FFCB 1527 3133EKP67 1,000,000 996,900 1.625 1.780 9/17/19 9/17/21 535 1,017,923 NC Aaa AA+AAA FHLMC 1532 3134GUHC7 1,000,000 1,000,000 1.750 1.750 10/15/19 10/15/21 563 1,000,493 1C-NC Aaa AA+AAA FHLB 1492 3130A9Z61 2,030,000 1,994,020 1.500 1.880 12/14/16 11/9/21 588 2,030,171 Amer Aaa AA+AA+ USB 1515 91159HHP8 1,000,000 997,300 2.625 2.723 3/18/19 1/24/22 664 1,011,054 1X A1 A+AA- MSFT 1512 594918BW3 1,000,000 996,920 2.400 2.575 3/15/19 2/6/22 677 1,032,692 NC Aaa AAA AA+ FHLB 1556 313378CR0 1,000,000 1,032,367 2.250 0.630 3/6/20 3/11/22 710 1,035,442 NC Aaa AA+NA FNMA 1550 3135G0T45 1,000,000 1,009,506 1.875 1.422 2/14/20 4/5/22 735 1,029,756 NC Aaa AA+AAA FFCB 1523 3133EKLR5 1,000,000 999,100 2.250 2.281 5/16/19 5/16/22 776 1,035,354 NC Aaa AA+AAA FAMCA 1522 31422BFF2 1,000,000 1,000,000 2.350 2.350 5/9/19 6/1/22 792 1,035,916 NC Aaa AA+AAA FHLMC 1528 3134GT3N1 1,000,000 999,990 1.750 1.750 10/2/19 8/26/22 878 1,002,672 1C-NC Aaa AA+AAA FHLB 1509 313383WD9 1,000,000 1,013,146 3.125 2.750 12/19/18 9/9/22 892 1,064,955 Amer Aaa AA+AA+ FFCB 1519 3133EKHN9 1,000,000 997,450 2.330 2.406 4/18/19 10/18/22 931 1,036,055 NC Aaa AA+AAA FFCB 1551 3133EA7E2 1,000,000 1,014,130 1.960 1.430 2/14/20 11/7/22 951 1,027,866 NC Aaa AA+AAA FHLB 1544 313381BR5 1,000,000 1,006,250 1.875 1.660 12/11/19 12/9/22 983 1,037,030 NC Aaa AA+AAA FNMA 1541 3135GOT94 1,000,000 1,023,490 2.375 1.610 11/20/19 1/19/23 1,024 1,054,961 NC Aaa AA+AAA FFCB 1557 3133EG5Y7 1,000,000 1,045,401 2.230 0.650 3/6/20 2/2/23 1,038 1,040,533 NC Aaa AA+AAA FHLMC 1517 3134GTGM9 1,000,000 1,000,000 2.550 2.550 4/10/19 4/10/23 1,105 1,000,532 1x Aaa AA+AAA AAPL 1516 037833AK6 1,000,000 991,000 2.400 2.634 4/8/19 5/3/23 1,128 1,035,983 NC AA1 AA+- WMT 1513 931142EK5 1,000,000 1,026,800 3.400 2.730 3/15/19 6/26/23 1,182 1,060,622 NC Aa2 AA AA FHLMC 1530 3134GUHJ2 1,000,000 1,000,000 1.750 1.750 10/10/19 7/10/23 1,196 1,002,844 1C-NC Aaa AA+AAA US T 1545 9128284X5 1,000,000 1,039,063 2.750 1.660 12/11/19 8/31/23 1,248 1,082,969 NC Aaa AA+AAA FAMCA 1508 3132X06C0 1,000,000 1,010,972 3.050 2.801 12/19/18 9/19/23 1,267 1,074,968 NC Aaa AA+AAA FHLMC 1529 3134GUGA2 1,000,000 1,000,000 2.000 2.000 10/16/19 10/16/23 1,294 1,000,459 Qtrly Aaa AA+AAA FFCB 1537 3133EK4X1 1,000,000 997,924 1.600 1.654 11/6/19 11/1/23 1,310 1,034,921 NC Aaa AA+AAA FHLB 1507 3130AFKR7 1,000,000 1,003,225 3.100 2.933 12/28/18 12/28/23 1,367 1,017,523 Amer Aaa AA+AA+ FAMCA 1552 31422BSD3 1,000,000 1,004,430 1.590 1.470 2/14/20 1/10/24 1,380 1,039,824 NC NA NA NA FNMA 1540 3135G0V34 1,000,000 1,032,055 2.500 1.710 11/14/19 2/5/24 1,406 1,066,505 NC Aaa AA+AAA US T 1553 9128286R6 1,000,000 1,034,063 2.250 1.413 2/14/20 4/30/24 1,491 1,077,266 NC Aaa NA AAA FAMCA 1533 31422BGA2 1,000,000 1,022,900 2.150 1.634 10/18/19 6/5/24 1,527 1,047,762 NC NA NA NA FHLB 1535 3030AHERO 1,000,000 1,000,000 1.850 1.850 10/24/19 7/24/24 1,576 1,004,018 1C-NC Aaa AA+AA+ US T 1546 9128282U3 1,000,000 1,008,789 1.875 1.660 12/11/19 8/31/24 1,614 1,065,898 NC Aaa NA AAA FHLMC 1531 3134GUCE8 1,000,000 1,002,769 2.020 1.720 10/10/19 9/17/24 1,631 1,006,655 1C-NC Aaa AA+AAA FHLMC 1536 3134GULS7 1,000,000 1,000,000 1.875 1.875 10/28/19 10/28/24 1,672 1,007,449 1C-NC Aaa AA+AAA FFCB 1538 3133EK6J0 1,000,000 994,700 1.625 1.736 11/8/19 11/8/24 1,683 1,045,115 NC Aaa AA+AAA FHLB 1554 3130A3GE8 1,000,000 1,058,979 2.750 1.480 2/14/20 12/13/24 1,718 1,112,003 NC Aaa AA+NA FAMCA 1555 31422BRT9 1,000,000 1,011,943 1.750 1.495 2/14/20 1/3/25 1,739 1,031,200 NC NA NA NA Subtotal 51 57,829,000 57,862,366 Avg.2.07%59,217,018 LGIP LGIP NA 19,857,276 19,857,276 1.260 1.260 NA NA 1 19,857,276 NC Grand Totals 77,686,276$ 77,719,642$ 1.87%591 79,074,294$ City of Yakima March 31, 2020 Investment Portfolio - Inventory by Agency 8 LGIP, 19,857,276 , 26% FFCB, 10,000,000 , 13% FHLB, 9,030,000 , 12% FNMA, 8,010,000 , 11% US T, 8,000,000 , 10% FHLMC, 8,000,000 , 10%FAMCA, 5,000,000 , 7% RFCSP, 4,789,000 , 6% AAPL, 1,000,000 , 1% BNY, 1,000,000 , 1% MSFT, 1,000,000 , 1% USB, 1,000,000 , 1% WMT, 1,000,000 , 1% City of Yakima Investment Portfolio by Issuer at 3/31/2020 9 $0 $500,000 $1,000,000 $1,500,000 $2,000,000 $2,500,000 $3,000,000 $3,500,000 $4,000,000 City of Yakima Investment Portfolio Maturity Distribution at 3/31/2020 10 Beginning Additions and Calls and Ending Agency Inv#Face Value Purchases Maturities Face Value Farmer Mac FAMCA 1508 1,000,000 - - 1,000,000 FAMCA 1522 1,000,000 - - 1,000,000 FAMCA 1533 1,000,000 - - 1,000,000 FAMCA 1552 1,000,000 1,000,000 FAMCA 1555 1,000,000 - 1,000,000 FAMCA Total 3,000,000 2,000,000 - 5,000,000 Federal Farm Credit Bureau FFCB 1496 2,015,000 - (2,015,000) - FFCB 1498 3,000,000 - (3,000,000) - FFCB 1518 1,000,000 - -1,000,000 FFCB 1519 1,000,000 - -1,000,000 FFCB 1520 1,000,000 - -1,000,000 FFCB 1523 1,000,000 - -1,000,000 FFCB 1527 1,000,000 - -1,000,000 FFCB 1537 1,000,000 - -1,000,000 FFCB 1538 1,000,000 - -1,000,000 FFCB 1542 1,000,000 - -1,000,000 FFCB 1551 - 1,000,000 - 1,000,000 FFCB 1557 - 1,000,000 - 1,000,000 FFCB Total 13,015,000 2,000,000 (5,015,000) 10,000,000 Federal Home Loan Bank FHLB 1492 2,030,000 - - 2,030,000 FHLB 1507 1,000,000 - - 1,000,000 FHLB 1509 1,000,000 - - 1,000,000 FHLB 1535 1,000,000 - - 1,000,000 FHLB 1544 1,000,000 - - 1,000,000 FHLB 1548 - 1,000,000 - 1,000,000 FHLB 1554 - 1,000,000 - 1,000,000 FHLB 1556 - 1,000,000 - 1,000,000 FHLB Total 6,030,000 3,000,000 - 9,030,000 Resolution Funding Corporation RFCSP 1493 3,203,000 - (3,203,000) - RFCSP 1495 2,137,000 - (2,137,000) - RFCSP 1499 1,000,000 - (1,000,000) - RFCSP 1500 2,667,000 - -2,667,000 RFCSP 1502 2,122,000 - -2,122,000 RFCSP Total 11,129,000 - (6,340,000) 4,789,000 Federal Home Loan Mortgage Corporation FHLMC 1510 1,000,000 - (1,000,000) - FHLMC 1514 1,000,000 - (1,000,000) - FHLMC 1517 1,000,000 - -1,000,000 FHLMC 1528 1,000,000 - -1,000,000 FHLMC 1529 1,000,000 - -1,000,000 FHLMC 1530 1,000,000 - -1,000,000 FHLMC 1531 1,000,000 - -1,000,000 FHLMC 1532 1,000,000 - -1,000,000 FHLMC 1536 1,000,000 - -1,000,000 FHLMC 1539 1,000,000 - -1,000,000 FHLMC Total 10,000,000 - (2,000,000) 8,000,000 Federal National Management Association FNMA 1488 3,000,000 - - 3,000,000 FNMA 1490 2,000,000 - (2,000,000) - FNMA 1491 2,000,000 - (2,000,000) - FNMA 1494 2,010,000 - -2,010,000 FNMA 1540 1,000,000 - -1,000,000 FNMA 1541 1,000,000 - -1,000,000 FNMA 1550 - 1,000,000 - 1,000,000 - FNMA Total 11,010,000 1,000,000 (4,000,000) 8,010,000 US Treasury US Treasury 1526 1,000,000 - - 1,000,000 US Treasury 1534 1,000,000 - - 1,000,000 US Treasury 1543 1,000,000 - - 1,000,000 US Treasury 1545 1,000,000 - - 1,000,000 US Treasury 1546 1,000,000 - - 1,000,000 US Treasury 1547 - 1,000,000 - 1,000,000 US Treasury 1549 - 1,000,000 - 1,000,000 US Treasury 1553 - 1,000,000 - 1,000,000 - US Treasury 5,000,000 3,000,000 - 8,000,000 Corporate Notes AAPL 1516 1,000,000 - - 1,000,000 MSFT 1512 1,000,000 - - 1,000,000 WMT 1513 1,000,000 - 1,000,000 USB 1514 1,000,000 - 1,000,000 BNY 1521 1,000,000 - 1,000,000 Corporate Total 5,000,000 - - 5,000,000 Subtotal 64,184,000 11,000,000 (17,355,000) 57,829,000 Other Investments - - - - LGIP (State Pool)LGIP 19,786,229 8,071,047 (8,000,000) 19,857,276 Other Investment Totals 19,786,229 8,071,047 (8,000,000) 19,857,276 Grand Totals 83,970,229$ 19,071,047$ (25,355,000)$ 77,686,276$ City of Yakima March 31, 2020 Investment Portfolio - Detail of Activity 11 Date Issued Maturity Description Note Amount of Issue Current Balance General Obligation Bonds 5/8/2007 5/1/2026 PFD Convention Center III Partial refunding of 2002 issue 4,910,000$ 2,770,000.00 8/28/2009 12/1/2032 PFD Capitol Theatre Build America Bonds (Taxable)4,980,000 4,720,000.00 6/17/2003 12/1/2023 Sundome Expansion Deferred Interest-Maturity $2.5M 1,430,528 244,525.80 8/28/2008 12/1/2021 Fire Apparatus Ladder Truck 760,000 140,000.00 5/8/2007 5/1/2022 Fire Station Remodel Facility 815,000 205,000.00 5/8/2007 5/1/2022 Downtown Futures Renovate downtown improvements 1,490,000 375,000.00 6/20/2013 6/20/2028 Street Project Demonstration (Refunded)Various City street improvements 3,500,000 3,058,575.09 6/9/2014 6/1/2024 Street Resurfacing Project Streets improvements 13,140,000 7,345,000.00 6/17/2014 12/1/2034 Comm Center Move City portion of County GO Bonds 1,716,500 1,395,000.00 9/24/2018 12/1/2035 Soccer Complex (Refunded)City portion of SOZO Sports Complex 4,440,127 4,257,543.20 9/24/2018 7/1/2035 2018 Aquatic Center YMCA City portion of Aquatic Center 8,009,873 7,982,086.15 Subtotal General Obligation Bonds 45,192,028$ 32,492,730.24 Certificate of Participation - State of Washington 6/1/2011 12/1/2020 Fire Apparatus Two trucks purchased 576,847$ 67,267.80 3/19/2013 7/1/2023 Fire Apparatus One truck 310,414 142,198.55 9/28/2017 6/1/2027 Energy Project LED Street Lighting 921,863 784,892.79 9/28/2017 6/1/2027 Fire Aerial & Pump App Fire Aerial 1,268,053 1,079,856.16 Subtotal Certificates of Participation 3,077,178$ 2,074,215.30 Revenue Bonds 5/31/2012 11/1/2023 Wastewater Refunded 2003 $10,155,000 issue 9,400,000$ 4,230,000.00 6/5/2008 11/1/2027 Wastewater Wastewater system 5,440,000 2,780,000.00 9/4/2004 9/1/2034 Irrigation Irrigation System 5,215,000 3,375,000.00 Subtotal Revenue Bonds 20,055,000$ 10,385,000.00 Intergovernmental Loans 8/14/2009 7/1/2028 PC-08-951-052 2009 Railroad Grade Separation 3,000,000$ 1,485,902.26 5/6/2010 6/1/2034 L1000030-0 2010 Railroad Grade Separation 1,149,841 992,647.15 9/30/2015 6/1/2023 '15 Yak Co SIED - 21st Ave/Airport 2015 Yakima Co SIED Loan - 21st Ave/Airport 307,000 218,848.80 6/1/2016 6/1/2027 '16 Yak Co SIED - SOZO 2016 Yakima Co SIED Loan - SOZO 900,000 757,405.06 11/21/2017 6/1/2024 '17 Yak Co SIED - YV Brewing Project 2017 Yakima Co SIED Loan - YV Brewing Project 61,580 61,580.00 7/17/2018 6/1/2029 '18 Yak Co SIED - River Rd.2018 Yakima Co SIED - River Rd Improvements/Aquatics Center 500,000 500,000.00 6/1/2001 7/1/2021 PW-01-691-071 2001 Fruitavale Neighborhood Sewer 1,466,250 155,250.00 9/1/2003 7/1/2023 PW-03-691-027 2003 Naches WTP Improvements 2,694,500 538,900.00 6/27/2005 10/1/2025 SRF-04-65104-037 2005 Naches River WTP Filter Rehab 966,772 282,435.89 12/30/2005 7/1/2025 PW-05-691-064 2005 River Road Sewer 2,307,000 745,474.66 4/30/2007 7/1/2027 PW-07-962-019 2007 Ultra Violet Disinfection 2,300,000 971,111.10 4/15/2009 7/1/2028 PC-08-951-051 2009 New Water Well 2,257,200 1,090,339.43 10/10/2011 3/31/2033 L1100008 2011 Energy Efficiency 503,558 376,915.05 8/1/2011 7/1/2034 L1200019 2012 Industrial Waste Anaerobic 590,350 473,069.40 6/1/2012 6/1/2032 PC-12-951-065 2012 Wastewater Treatment Plan 5,000,000 3,228,949.68 10/11/2012 6/1/2037 PC-13-961-059 2012 Industrial Sewer Extensions 2,000,000 1,464,114.86 8/5/2013 7/1/2032 PC-13-961-074 2013 Automated Reading System 5,000,000 3,421,052.64 12/12/2013 10/1/2034 DM-11-952-038 2013 Design WTP Lagoons 3,514,800 2,636,100.01 Subtotal Intergovernmental Loans 34,518,851$ 19,400,095.99 Grand Total 102,843,056$ 64,352,041.53 City of Yakima Long Term Debt Schedule - by Project Group March 31, 2020 12 Original Beginning Ending Description Balance Balance Issued Retired Balance Local Improvement District Bonds/Notes 1,432,509$ 25,934$ -$ -$ 25,934$ Equipment Rental Reserve Fund 153 - Public Safety Communications 450,000 300,000 - 150,000 150,000 Equipment Rental Reserve Fund 323 - Millsite Project - 500,000 - - 500,000 REET Total across all funds 1,882,509 825,934 - 150,000 675,934 Fund 151 - Public Safety Communications - Interfund Loan Fund 323 - Millsite (LIFT) The Millsite project borrowed $500,000 from REET until such time as official financing can be secured. At that time the loan from REET will be repaid. A Statement of Official Intent for the reimbursement has been executed to meet bond requirements. City of Yakima Interfund Borrowing March 31, 2020 The Public Safety Communications Fund borrowed from the Equipment Replacement and Reserve Fund to provide working capital while they recover from the excess cash outflow caused by the move to the new Communications Center last year. A $150,000 payment was made in 2019. The final payment $150,000 will be paid in 2020. 13 FINANCE Committee Review of Divestment Rationale Date: February 7,2020 lnvestment# 1493 is a Resolution Funding Corp (RFCSP) Agency face value $3,203,000, maturity date October 15, 2020, purchased December 14,2016 to yield 1.716%. lnvestment# 1495 is a Resolution Funding Corp (RFCSP) Agency face value $2,137,000, maturity date January 15, 2021, purchased April 6, 2017 to yield 1 .821o/o. lnvestment # 1499 is a Resolution Funding Corp (RFCSP) Agency face value $1,000,000, maturity date January 15, 2021, purchased October 6, 2017 to yield 1 .730%. This position is being divested to: 1) lncrease Diversification by maturity date by reducing two $Stttt+ spikes set to mature 1012020 and 01/2021,large bets on reinvestment rates 2) Realize small market gains that offset the small decreased yields over the remaining 9- and 12-month remaining terms 3) lncrease Liquidity by replacing this zero-coupon investment with securities that receive bi-monthly coupon payments. 4) lmprove stability and predictability of budget forecasting future interest 5) Reinvesting in Treasuries and diversified Non-callable agencies brings no appreciable change to the portfolio's overall safety As the attached graphs show, the City had particularly large maturities in October 2020 and January 2021, exposing two large portions of our portfolio to the reinvestment environment of whatever rates happen to be in those months. By smoothing maturities in the future by reinvesting in $1 or $2 million pieces, our reinvestment risk is reduced. The city continues to have a $19.8 million balance in the State LGIP pool, a 45-day weighted average maturity pool that provides plenty of liquidity, as our historical cashflow demonstrates, but is more susceptible to rate volatility than the laddered portion of our portfolio. lnvestment Committee review: Finance Director:Date ? City Manager:Date 1 2 14 8, [ \\ J '"·••-'· ·· FINANCE Committee Review of Investment Rationale Date: February 3, 2020 Investment# 2020-1547 is a 4-month US Treasury, face value $1,000,000, maturing This tradeJune 30, 2020, 1.625% coupon purchased at 100.0508 to yield 1.496%. settles February 4, 2020 with Wedbush Securities, US Bank Safekeeping.This investment is the first of three replacing a $3,000,000 FFCB investment called on January 30th. Liquidity: At January 3151, month-end, Key Bank checking account balance was $5.1 million (target is $3 Million), US Bank checking balance was $8.0 million and invested yield segment of portfolio was $61.2 million (target is $60 million for Treasuries, Corporates and Agencies). Current LGIP balance was $19.8 million (target minimum is $5 million). Safety:This purchase is a debt issue of the federal government -equivalent to Aaa/AA+ rating by Moody's and S&P. Yield.Yield is 1.496%. This investment is 20 basis points under LGIP, seeking to protect yield in an eroding yield / uncertain environment. Comparable yields are: LGIP current 30-day yield 1.7031 %www.secureaccess.wa.gov 6-month Treasury 1.5600%Treasury.gov Callability. This investment is not callable (a bullet). Diversification. This purchase bring this issuer to 7.2% of total portfolio. This purchase adds a maturity date previously not covered to city's laddered portfolio. Outlook.The yield curve is currently slightly inverted; the 1-year Treasury at 1.46, the 2- year at 1.36 and the 5-year at 1.35. The Federal Reserve Bank recently executed the third of three expected %-point rate cuts in 2019 with further cuts expected in 2020. We are continuing to fill maturity gaps in the ladder to minimize reinvestment risk subject to rates at any one point in time and decreasing variable rate LGIP exposure. Investment Committee review: Date ?-JLo --;+-0/---.<---=-=�- Date c;1 (-, [ aQ aQ 15 FINANCE Committee Review of Investment Rationale Date: February 3, 2020 Investment # 2020-1548 is a 6-month Federal Home Loan Bank (FHLB), face value $1,000,000, maturing August 25, 2020, 1.750% coupon purchased at 100.1159 to yield 1.540%. This trade settles February 4, 2020 with Wedbush Securities, US Bank Safekeeping. This investment is the second of three replacing a $3,000,000 FFCB investment called on January 30th. Liquidity: At January 3151, month-end, Key Bank checking account balance was $5.1 million (target is $3 Million), US Bank checking balance was $8.0 million and invested yield segment of portfolio was $61.2 million (target is $60 million for Treasuries, Corporates and Agencies). Current LGIP balance was $19.8 million (target minimum is $5 million). Safety: This purchase is a debt issue of a government-sponsored enterprise (GSE), that carries an explicit Federal guarantee, equivalent to Aaa/AA+ rating by Moody's and S&P. Yield. Yield is 1.540%. This investment is 16 basis points under LGIP, seeking to protect yield in an eroding yield / uncertain environment. Comparable yields are: 6-month Treasu ield 1.7031% 1.5600% Callability. This investment is not callable (a bullet). www.secureaccess.wa. ov Treasu . ov Diversification. This purchase bring this issuer to 8.5% of total portfolio. This purchase adds a maturity date previously not covered to city's laddered portfolio. Outlook. The yield curve is currently slightly inverted; the 1-year Treasury at 1.46, the 2- year at 1.36 and the 5-year at 1.35. The Federal Reserve Bank recently executed the third of three expected X-point rate cuts in 2019 with further cuts expected in 2020. We are continuing to fill maturity gaps in the ladder to minimize reinvestment risk subject to rates at any one point in time and decreasing variable rate LGIP exposure. Investment Committee review: Date 2�z,, --; + Ll/�---- Date � 1:l, 3oa2 16 FINANCE Committee Review of Investment Rationale Date: February 3, 2020 Investment # 2020-1549 is a 1-year US Treasury, face value $1,000,000, maturing March 31, 2021, 1.250% coupon purchased at 99.7695 to yield 1.452%. This trade settles February 4, 2020 with Wedbush Securities, US Bank Safekeeping. This investment is the third of three replacing a $3,000,000 FFCB investment called on January JOth_ Liquidity: At January 31st , month-end, Key Bank checking account balance was $5.1 million (target is $3 Million), US Bank checking balance was $8.0 million and invested yield segment of portfolio was $61.2 million (target is $60 million for Treasuries, Corporates and Agencies). Current LGIP balance was $19.8 million (target minimum is $5 million). Safety: This purchase is a debt issue of the federal government - equivalent to Aaa/AA+ rating by Moody's and S&P. Yield. Yield is 1.452%. This investment is 24 basis points under LGIP, seeking to protect yield in an eroding yield / uncertain environment. Comparable yields are: LGIP current 30-day yield 1.7031 % www.secureaccess.wa.gov 6-month Treasury 1.5600% Treasury.gov Callability. This investment is not callable (a bullet). Diversification. This purchase bring this issuer to 7.2% of total portfolio. This purchase adds a maturity date previously not covered to city's laddered portfolio. Outlook. The yield curve is currently slightly inverted; the 1-year Treasury at 1.46, the 2- year at 1.36 and the 5-year at 1.35. The Federal Reserve Bank recently executed the third of three expected %-point rate cuts in 2019 with further cuts expected in 2020. We are continuing to fill maturity gaps in the ladder to minimize reinvestment risk subject to rates at any one point in time and decreasing variable rate LGIP exposure. Investment Committee review: Date Date 17 FINANCE Committee Review of lnvestment Rationale Date: February 12,2020 lnvestment# 2020-1550 is a 2-year Federal National Mortgage Association (FNMA or Fannie Mae), face value $1,000,000, maturing April 5, 2022, 1.875o/o coupon purchased at 100.9506 to yield 1.422o/o. This trade settles February 14, 2020 with Wedbush Securities, US Bank Safekeeping. This investment is the first of six replacing a $6,253,465 Reso/ution Funding Corporatoin investment sold on FebruaU 1ltn. Liquidity: At January 31st, month-end, Key Bank checking account balance was $5.1 million (target is $3 Million), US Bank checking balance was $8.0 million and invested yield segment of portfolio was $61.2 million (target is $60 million for Treasuries, Corporates and Agencies). Current LGIP balance was $19.8 million (target minimum is $5 million). Safety: This purchase is a debt issue of a government -sponsored enterprise (GSE), that carries an explicit Federal guarantee, equivalent to Aaa/AA+ rating by Moody's and S&P. Yield. Yield is 1.422%. This investment is 16 basis points under LGIP, seeking to protect yield in an eroding yield / uncertain environment. Comparable yields are: LGIP current 30-day yield 1.7031%www.secureaccess.wa. gov Z-year Treasury 1.4100o/o Treasury.gov Callability. This investment is not callable (a bullet). Diversification. This purchase bring this issuer to 14.5o/o of total portfolio. This purchase adds a maturity date previously not covered to city's laddered portfolio. Outlook. The yield curve is currently slightly inverted; the 1-year Treasury at 1.486, the 2-year at 1.41 and the S-year at 1.40. The Federal Reserve Bank recently executed the third of three expected %-point rate cuts in 2019 with further cuts expected in 2020. We are continuing to fill maturity gaps in the ladder to minimize reinvestment risk subject to rates at any one point in time and decreasing variable rate LGIP exposure. lnvestment Committee Finance Director:Date I City Manager:Date Z ?rtt)<> 18 FINANCE Committee Review of lnvestment Rationale Date: February 12,2020 lnvestment#2020-1551 is a 2-year Federal Farm Credit Bank (FFCB), face value $1,000,000, maturing November 7,2022, 1.960% coupon purchased at 101.413 to yield 1.430Yo. This trade settles February 14,2020 with Wedbush Securities, US Bank Safekeeping. This investment is the second of six replacing a $6,253,465 Resolution Funding Corporation investment sold on FebruaU 11tn. Liquidity: At January 31st, month-end, Key Bank checking account balance was $5.1 million (target is $3 Million), US Bank checking balance was $8.0 million and invested yield segment of portfolio was $61.2 million (target is $60 million for Treasuries, Corporates and Agencies). Current LGIP balance was $19.8 million (target minimum is $5 million). Safety: This purchase is a debt issue of a government -sponsored enterprise (GSE), that carries an explicit Federal guarantee, equivalent to Aaa/AA+ rating by Moody's and S&P. Yield. Yield is 1.430%. This investmentis2T basis points under LGIP, seeking to protect yield in an eroding yield / uncertain environment. Comparable yields are: LGIP current 30-day yield 1.7031o/o www.secureaccess.wa. gov 2-vear Treasury 1.4100o/o Treasury.gov Callability. This investment is not callable (a bullet). Diversification. This purchase bring this issuer to 13.3% of total portfolio. This purchase adds a maturity date previously not covered to city's laddered portfolio. Outlook. The yield curve is currently slightly inverted; the 1-year Treasury at 1.486, the 2-year a|1.41 and the S-year at 1.40. The Federal Reserve Bank recently executed the third of three expected %-point rate cuts in 2019 with further cuts expected in 2020. We are continuing to fill maturity gaps in the ladder to minimize reinvestment risk subject to rates at any one point in time and decreasing variable rate LGIP exposure. lnvestment Committee Finance Director:Date 2 v City Manager:n1 Date D a 19 FINANCE Committee Review of lnvestment Rationale Date: February 12,2020 lnvestmenl # 2020-1552 is a 4-year Federal Agriculture Mortgage Corporation (FAMCA or Farmer Mac), face value $1,000,000, maturing January 10,2024,1.590% coupon purchased at 100.443 to yield 1.473o/o. This trade settles February 14,2020 with Wedbush Securities, US Bank Safekeeping. This investment is the third of six reptacing a $6,253,465 Resotution Funding Corporation investment sold on FebruarY 11m. Liquidity: At January 31st, month-end, Key Bank checking account balance was $5.1 million (target is $3 Million), US Bank checking balance was $8.0 million and invested yield segment of portfolio was $61.2 million (target is $60 million for Treasuries, Corporates and Agencies). Current LGIP balance was $19.8 million (target minimum is $5 million). Safety: This purchase is a debt issue of a government -sponsored enterprise (GSE), that carries an explicit Federal guarantee, equivalent to Aaa/AA+ rating by Moody's and S&P. Yield. Yield is 1.473o/o. This investmentis2T basis points under LGIP, seeking to protect yield in an eroding yield / uncertain environment. Comparable yields are: Callability. This investment is not callable (a bullet). Diversification. This purchase bring this issuer to 6.05% of total portfolio This purchase adds a maturity date previously not covered to city's laddered portfolio Outlook. The yield curve is currently slightly inverted; the 1-year Treasury at 1.486, the Z-year at 1.41and the S-year at 1.40. The Federal Reserve Bank recently executed the third of three expected %-point rate cuts in 2019 with further cuts expected in 2020. We are continuing to fill maturity gaps in the ladder to minimize reinvestment risk subject to rates at any one point in time and decreasing variable rate LGIP exposure. lnvestment Committee review Finance Director:Date 2 LGIP current 30-day yield 1.70310/o www.secureaccess.wa. gov Z-year Treasury 1.4100o/o Treasury.gov City Manager rn Date >o 20 FINANCE Committee Review of lnvestment Rationale Date: February 12,2020 lnvestment# 2020-1553 is a 4-year US Treasury, face value $1,000,000, maturing April 30,2024,2.250o/o coupon purchased at 103.4062 to yield 1.413o/o. This trade settles February 14, 2020 with Wedbush Securities, US Bank Safekeeping. This investment is the fourth of sx replacing a $6,253,465 Reso/ution Funding Corporation investment sold on FebruaU 11tn. Liquidity: At January 31st, month-end, Key Bank checking account balance was $5.1 million (target is $3 Million), US Bank checking balance was $8.0 million and invested yield segment of portfolio was $61.2 million (target is $60 million for Treasuries, borporat-es and Agencies). Current LGIP balance was $19.8 million (target minimum is $5 million). Safety: This purchase is a debt issue of the federal government - equivalent to Aaa/AA+ rating by Moody's and S&P. Yield. Yield is 1.413%. This investment is 33 basis points under LGIP, seeking to protect yield in an eroding yield / uncertain environment. Comparable yields are: LGIP current 30-day yield 1.7031o/o www. secu reaccess.wa. gov S-year Treasury 1.4000o/o Treasury.gov Callability. This investment is not callable (a bullet). Diversification. This purchase bring this issuer to 8.5% of total portfolio. This purchase adds a maturity date previously not covered to city's laddered portfolio Outlook. The yield curve is currently slightly inverted; the 1-year Treasury at 1.486, the 2-year al1.41and the 5-year at 1.40. The Federal Reserve Bank recently executed the third of three expected Yn-point rate cuts in 2019 with further cuts expected in 2020. We are continuing to fill maturity gaps in the ladder to minimize reinvestment risk subject to rates at any one point in time and decreasing variable rate LGIP exposure. lnvestment Commiftee review: Finance Director Date L City Manager:ort" a/td ?>ao, 21 FINANCE Committee Review of lnvestment Rationale Date: February 12,2020 lnvestment#2020-1554 is a S-year Federal Home Loan Bank (FHLB), face value $1,000,000, maturing December 13, 2024,2.750% coupon purchased at 105.8979 to yield 1.480%. This trade settles February 14,2020 with Wedbush Securities, US Bank Safekeeping. This investment is the fifth of six replacing a $6,253,465 Resolution Funding Corporation investment sold on February 1ltn. Liquidity: At January 31st, month-end, Key Bank checking account balance was $5.1 million (target is $3 Million), US Bank checking balance was $8.0 million and invested yield segment of portfolio was $61.2 million (target is $60 million for Treasuries, Corporates and Agencies). Current LGIP balance was $19.8 million (target minimum is $5 million). Safety: : This purchase is a debt issue of a government-sponsored enterprise (GSE), that carries an explicit Federal guarantee, equivalent to Aaa/AA+ rating by Moody's and S&P. Yield. Yield is 1.480%. This investmentis22 basis points under LGIP, seeking to protect yield in an eroding yield / uncertain environment. Comparable yields are: LGIP current 30-day yield 1.7031%www. secu reaccess.wa. gov S-year Treasury 1.40000/o Treasury.gov Callability. This investment is not callable (a bullet) Diversification. This purchase bring this issuer to 9.7o/o of total portfolio This purchase adds a maturity date previously not covered to city's laddered portfolio Outlook. The yield curve is currently slightly inverted; the 1-year Treasury at 1.486, the 2-year at 1.41 and the S-year at 1.40. The Federal Reserve Bank recently executed the third of three expected la-point rate cuts in 2019 with further cuts expected in 2020. We are continuing to fill maturity gaps in the ladder to minimize reinvestment risk subject to rates at any one point in time and decreasing variable rate LGIP exposure. lnvestment Committee review Finance Director:Date Date elntoD&City Manager: 22 FINANCE Committee Review of lnvestment Rationale Date: February 12,2020 lnvestment # 2020-1555 is a 5-year Federal Agriculture Mortgage Gorporation (FAMCA or Farmer Mac), face value $1,000,000, maturing January 3, 2025, 1.750o/o coupon purchased at 101.1943 to yield 1.495o/o. This trade settles February 14, 2020 with Wedbush Securitles, US Bank Safekeeping. This investment is the sixth of six replacing a $6,253,465 Reso/ution Funding Corporation investment sold on FebruaU 11tn. Liquidity: At January 31st, month-end, Key Bank checking account balance was $5.1 million (target is $3 Million), US Bank checking balance was $8.0 million and invested yield segment of portfolio was $61.2 million (target is $60 million for Treasuries, Corporates and Agencies). Current LGIP balance was $19.8 million (target minimum is $5 million). Safety: This purchase is a debt issue of a government-sponsored enterprise (GSE), that carries an explicit Federal guarantee, equivalent to Aaa/AA+ rating by Moody's and S&P. Yield. Yield is 1.495%. This investment is 21 basis points under LGIP, seeking to protect yield in an eroding yield / uncertain environment. Comparable yields are: LGIP current 30-day yield 1.70310/o www. secu reaccess.wa. gov S-year Treasury 1.4000o/o Treasury.gov Callability. This investment is not callable (a bullet) Diversification. This purchase bring this issuer to 6.0% of total portfolio This purchase adds a maturity date previously not covered to city's laddered portfolio. Outlook. The yield curve is currently slightly inverted; the 1-year Treasury at 1.486, the 2-year at 1.41 and the S-year at 1.40. The Federal Reserve Bank recently executed the third of three expected %-point rate cuts in 2019 with further cuts expected in 2020. We are continuing to fill maturity gaps in the ladder to minimize reinvestment risk subject to rates at any one point in time and decreasing variable rate LGIP exposure. lnvestment Committee review Finance Director:Date z City Manager:Date ? tL. ?,OZC) 23 FINANCE Committee Review of lnvestment Rationale Date: March 6,2020 tnvestment#2020-1556 is a 2-year Federal Home Loan Bank (FHLB), face value $1,000,000, maturing March 11 2022, 2.250o/o coupon purchased at 103.23670 to yield 0.63%. This trade settles March 6, 2020 with Wedbush Securities, US Bank Safekeeping. This investment is the first of two drawing down the City's position in the Local Government lnvestment Pool (LGIP) by $2,000,000. Liquidity: At February 29th, month-end, Key Bank checking account balance was $2.6 million (target is $3 Million), US Bank checking balance was $10.4 million and investment portfolio was $63.8 million (target is $64 million for Treasuries, Corporates and Agencies). Current LGIP balance was $16.8 million (target minimum is $5 million). Safety: This purchase is a debt issue of a government-sponsored enterprise (GSE), that carries an explicit Federal guarantee, equivalent to Aaa/AA+ rating by Moody's and S&P. Yield. Yield is 0.63%. This investment is 104 basis points under LGIP, seeking to protect yield in an eroding yield / uncertain environment. Due to the Fed's rate cut, LGIP's yield will drop below 1o/o ovil the next 44. Comparable yields are: Callability. This investment is not callable (a bullet). Diversification. This purchase bring this issuer to 11.2o/o of total portfolio This purchase adds a maturity date previously not covered to city's laddered portfolio. Outlook. The yield curve is currently slightly inverted; the 1-year Treasury at 0.59, the 2- year at 0.67 and the S-year at 0.75 but under 1-year yielding 0.68 to 1 .00. The Federal Reserve Bank recently executed an unexpe cled lz-point rate cut with further cuts possible in 2020. We are continuing to fill maturity gaps in the ladder to minimize reinvestment risk subject to rates at any one point in time and decreasing variable rate LGIP exposure. lnvestment Committee review: Finance Director:Date 3 LGIP current 30-day yield 1.6734%www. secu reaccess.wa. gov 2-vear Treasury 0.6700%Treasury.gov City Manager:Date 1'6"?-DLo 24 FINANCE Committee Review of Investment Rationale Date: March 6, 2020 Investment # 2020-1557 is a 3-year Federal Farm Credit Bank (FFCB), face value $1,000,000, maturing February 2, 2023, 2.230% coupon purchased at 104.540 to yield 0.65%. This trade settles March 6, 2020 with Wedbush Securities, US Bank Safekeeping. This investment is the second of two drawing down the City's position in the Local Government Investment Pool (LGIP) by $2,000,000. Liquidity: At February 291h, month-end, Key Bank checking account balance was $2.6 million (target is $3 Million), US Bank checking balance was $10.4 million and investment portfolio was $63.8 million (target is $64 million for Treasuries, Corporates and Agencies). Current LGIP balance was $16.8 million (target minimum is $5 million). Safety: This purchase is a debt issue of a government-sponsored enterprise (GSE), that carries an explicit Federal guarantee, equivalent to Aaa/AA+ rating by Moody's and S&P. Yield. Yield is 0.65%. This investment is 102 basis points under LGIP, seeking to protect yield in an eroding yield / uncertain environment. Due to the Fed's rate cut, LGIP's yield will drop below 1 % over the next 44. Comparable yields are: 3-ear Treasu ield 1.6734% 0.6800% Callability. This investment is not callable (a bullet). www.secureaccess.wa. ov Treasu . ov Diversification. This purchase bring this issuer to 14.9% of total portfolio. This purchase adds a maturity date previously not covered to city's laddered portfolio. Outlook. The yield curve is currently slightly inverted; the 1-year Treasury at 0.59, the 2- year at 0.67 and the 5-year at 0.75 but under 1-year yielding 0.68 to 1.00. The Federal Reserve Bank recently executed an unexpected Yi-point rate cut with further cuts possible in 2020. We are continuing to fill maturity gaps in the ladder to minimize reinvestment risk subject to rates at any one point in time and decreasing variable rate LGIP exposure. Investment Committee review: Date 1lk. --,;,-o/---"---"""-'--- Date � · 6,202-u --------- 25