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HomeMy WebLinkAboutRes 2011-28 and 584 Invest Surplus Monies in a Rabobank Money Market AccountCITY OF PALM DESERT OFFICE OF THE CITY TREASURER STAFF REPORT REQUEST: RESOLUTION 2011-28_, A RESOLUTION OF THE CITY COUNCIL OF THE CITY OF PALM DESERT, CALIFORNIA AUTHORIZING THE INVESTMENT OF SURPLUS MONIES IN A RABOBANK MONEY MARKET ACCOUNT (JOINT CONSIDERATION WITH THE PALM DESERT CITY COUNCIL AND REDEVELOPMENT AGENCY). SUBMITTED BY: Paul S. Gibson, C.C.M.T., City Treasurer DATE: April 14, 2011 CONTENTS: 1) Rabobank Solicitation Letter 2) Rabobank Information Brochure 3) Global Finance, "The World's Safest Banks 2010" 4) Feb 2011 Union Bank Listing of Rabobank Collateral Pool 5) Resolution No. 2011 - 28 and Resolution No. 584 Recommendation Waive further reading, and adopt Resolution No. 2011— 28 . and Resolution No. 584. Committee Recommendation At its March 22, 2011 meeting, the Audit, Finance, and Investment Committee voted unanimously to recommend that the City Council adopt the above resolution. Background The Rabobank Group ("Rabobank") is a "AAA" -rated Dutch bank that offers global financial services. Founded by Dutch farmers as a banking cooperative in 1900, Rabobank is rated by Global Finance as the sixth safest bank in the world. Rabobank has six branch offices in the Coachella Valley, one of which is in the city of Palm Desert. The Palm Desert branch also serves as an agribusiness center. For the past two years, Rabobank has offered a money market account that is specifically designed for California local agencies. This money market account offers a monthly yield based on the Local Agency Investment Fund ("LAIF") monthly yield plus 15 basis points. The money market account yield is reset on the 15`h of each month. Rabobank pays interest on a monthly basis (In comparison, LAIF pays interest on a quarterly basis). Deposits are limited to a maximum of $50 million per legal entity. Local agencies are limited to six withdrawals per month by check, wire, or Automated Clearing House. Local agencies may make additional withdrawals, however, by going to a Rabobank branch office, and requesting the money. Staff Report Rabobank Money Market Account April 14, 2011 Page 2of2 Pursuant to California law, the Rabobank money market account is collateralized at 110 percent since it is a depository account for public agencies. Union Bank holds the collateral as a third - party custodian. According to Union Bank, as of February 1, 2011, the total collateral pool was approximately $1.1 billion. The breakdown of that pool, by issuer, was as follows: U.S. Treasury Bonds U.S. Government Agency Bonds Municipal Bonds Small Business Administration Bond $ 834,898,000 74% $ 252,922,000 23% $ 38,236,000 3% $ 59,000 Negligible Rabobank is reportedly increasing its holdings of U.S. Treasuries, and decreasing its holdings of U.S. Government Agencies which are considered a less reliable investment since the U.S. Government does not explicitly guarantee them. Currently, the counties of Imperial, Kern, San Luis Obispo, Kings, Tulare, Fresno Madera, Merced, and San Joaquin, as well as the cities of Bakersfield, Visalia, Fresno, and Merced, have Rabobank money market accounts. The amount invested by these agencies ranges from $30 million to $100 million. The preponderance of Central Valley counties and cities reflects a strong Rabobank agribusiness presence in that area. City of Palm Desert Treasury staff interviewed each of these agencies over the telephone, and all of them provided positive references about Rabobank and its money market account. Fiscal Analysis The opening of Rabobank money market accounts by the City of Palm Desert ("City") and by the Palm Desert Redevelopment Agency ("RDA") would promote portfolio diversification, and would enhance profitability since Rabobank will consistently outperform LAW by 15 basis points. In February 2010, for instance, the respective monthly yields of each entity were 0.66% (Rabobank) and 0.51% (LAIF). Staff recommends that the entire balance of the City LAW Account ($50 Million) and the RDA LAW Account ($50 Million) be transferred into two Rabobank money market accounts. LAW accounts do not require a balance in order to remain open. CITY couNaLAC,'TiON Submitted B APPROVED ✓✓ DENIED y R CEIVEE Q MEETI DA i'1�1 1 Paul S. Gibson, C.C.M.T., City Treasurer AYES: NOES: ABSENT: ABSTAIN: A roval: VERIFIED BY: j _ Original on File with Ci ' erk's Office hn M. Wohlmuth, City Manager BY RDA --tJ ON Z a Odgilnall on file with City t lorrT',� ' 4f ae G:\Finance\Niamh Ortega\Staff Reports\Rabobank Investment of Surplus Monies 041411.docx The premier bank to the global food and agriculture industry, the Rabobank Group is a global financial services leader providing institutional and retail banking and agricultural finance solutions in key markets around the world. From its century -old roots in the Netherlands, Rabobank has grown into one of the world's largest banks and is ranked among the world's safest banks by Global Finance magazine. Our Mission Rabobank's central mission is to create value for our customers, employees and the communities in which we do business. Our Heritage Rabobank was founded as a banking cooperative more than 110 years ago. Dutch farmers pooled their savings together to provide loans at reasonable interest rates to their neighbors and community. Our Name Rabobank's name is derived from two cooperative banking groups that operated in the Netherlands during the past century: the Cooperative Central Raiffeisen Bank and the Cooperative Central Farmers' Land Bank, or Boerenleenbank ("Boer' means farmer in Dutch). In 1972, these banks merged and formed one central cooperative bank - the Cooperatieve Centrale Raiffeisen-Boerenleenbank, or Rabobank. Our Logo The Rabobank logo depicts a human figure crossing a sundial, a symbol of our long-term commitment to our customers, our employees and our communities - we stand with our customers over time. Rabobank Group at a Glance • One of the 25 largest banks in the world • More than $800 billion in assets • 9.5 million customers • Operations in 48 countries • Providing financial services in the United States since 1981 • Parent of California community bank Rabobank, N.A. Triple A Rating Rabobank is the only private bank in the world with a triple A credit rating from both Stan- dard & Poor's (AAA) and Moody's Investors Service (Aaa), the world's premier rating services. Rabobank has held these top credit ratings continuously for more than 25 years. These ratings are a sign of our tremendous financial strength and security and translate into competitive pricing and a broad array of financial products for our customers. Rabobank, N.A. • Member FDIC • wwwaabobankamerica.com • MKT-343 (09/10) The World's Safest Banks 2010 Gloibal Fl►rranae selects the world's safest banks, the 50 Institutions with the highest ratings from the leading international credit ratings agencies. t is a measure of how much stability has returned to the *0101 A4r from Moody's. Norway's DnB NOR global banking industry that this year's list of the world's JA dropped off the list completely —a 50 safest banks is remarkably similar to last year's. Bar e fate shared by Portugal's Caixa Geral a bit of jockeying for position, the safest 20 banks remain de Dep6sitos, its abrupt departure practically the same as a year ago. Within the top 20 there from the safest banks list reflecting has been some shuffling ---for example, a pair of down- that country's financial woes. grades served to knock BNP Paribas out of the top 10 and With Western European banks tight - down to 18th place. ening their stranglehold over the global Rentenbank, a perennial feature at the top of the saf- safest banks list this year we have, for the est banks list, attributes its longstanding trio of triple-A ratings to its government first time, listed safest banks by region. backing- characteristic shared by several of the world's safest banks. "The back- The regional breakdowns reveal some ing by the Federal Republic of Germany as one of the strongest sovereigns in the clear trends, with Singapore's banks world is an extremely valuable asset in times of uncertainty. It underpins the safety clearly outstripping Japan's as the saf- and great relative value we offer our investors, says Horst Reinhardt, a member of est in Asia, and Chile's banks dominat- Rentenbank's board of managing directors. ing the Latin America safest list. Perhaps Topping the table for the second year running is Germany's KfW, which also has not surprisingly, Canada's hold sway in an explicit government guarantee. CEO Ulrich Schroder says, "KfW has a strong North America, while Saudi Arabia's liquidity position and capital base. As one of the leading and most experienced pro-- banks have eked out a similar numerical motional banks in the world, KfW benefits from a direct and explicit guarantee from advantage in the Middle East, although the Federal Repubhc.We use our knowledge and our strength to improve economic, Kuwait and the UAE boast the only social and ecological living conditions." two banks from the region to make it Rabobank's CFO Bert Bruggink says the bank's clients believe the award vali- onto the global top 50. dates the trust they place in the bank, adding, "The award is a confirmation of As always, we have constructed our Rabobank's strong capital position, robust balance sheet and continuous strong rankings based on size and credit qual- results during the recent years." ity. We began with a pool of 500 of While the standings of the banks in the top 10 have barely changed in the past year, the world's largest banks by asset size further down the list there have been more changes, particularly as banks have built to which we applied the most recent credibility —and their credit ratings —in the wake of the credit crunch. Upgrades available ratings from Fitch Ratings, from S&P and Moody's sent Switzerland's Credit Suisse soaring from 43rd place Moody's Investors Service and Stan - last year to 26th this year, but a double downgrade from Moody's pushed Deutsche dard & Poor's, with appropriate weight - Bank down 11 places to 39th. ings. Where different banks were rated Nordic banks have suffered across the board with Sweden's Nordea and equally by all three ratings agencies, the Svenska Handelsbanken each tumbling by six places to the upper 20s from largest of the banks was awarded the the lower 20s and Finland's Pohjola Bank slipping six places on a downgrade highest ranking. The In I beaks chart compares the ratlrrge for the woeld's 50 safest t>w*s, based on imp- arm foreign arrrancy ra*W from Filch PAMga and Standard & Pdors and the long -lean bank depad rafkV b om Moodyy krA*n Service. Where Possible. holding om paniss have AM An been rated rattier Oren wbaidery banks, and government import-"p finance krst uftis Aar have been omitted. WIOrh each rank eat, banks are reed a000rdirrg to asset size. Relkrgs are M A 2 repoduosd w(Ah perm"m from Ore throe rs*W agencies, with all rights reserved. A raft Is AA - not a reccrrsrrendedw b pumhase, ad or hold a serxrrkl, and R does riot comment on market A+ Al price or stltab(ay for a pardatler krvesbr. 9ecauee Moody's uses dO wo rattps from the A 69 odw agenoes, aqufvabrds are shown in Me table on to rigM sIsIaIsIt. it. isIsit. 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OS'6Z£'L8D$ LL/LO/Z0 %68Z'90L 0000'000'06, 6L/LO/e %osv'S' OJasn VOIMa3dWI 00'LL9'09L$ 00'000'09L$ LL/LO/ZO %VWLOL 0000'000'09L 9L/LO/8 %00£'b Oo asn V'J WU3dN[ 08'L99Z66$ 08'LSZ'696$ LL/LO/ZO %9ZL'90L 0000'000'OE6 SL/LO/£ %000'b OJ' X31.l1NOlNnH 00'ZLL'Z8$ 00'000'09$ LL/LO/ZO %S9b'EOL 0000'000'09 Sl/LO/8 %000'ti m asn VO 3MIA110H 09'96L'OZ$ 00'000'OZ$ L L/LO/ZO %6 STM 0000'000'OZ 1440/8 %006'£ OJ asn VO 3T11A.LIOH 09't,L9'99$ S£'866'tS$ LL/l0/ZO %9E6ZOL 0000'000'SS ZL/LO/8 %009'E OEJ asn VO 3T lA-LIOH sleiol suo.ge6tlgp ledtotunpi suotLe6I LuawwanoO sle3olgnS suoge6tlgp ledtotunyy suoge6tlgp ledrotunyy suo4e6llgO ledrmuniN suoge6llgo ledp!unNl suoge6llgO ledplunV4 suoge6!lgp ledtotunyq suoW !lqo ledlolunVV suoge6!IgO led"unn suoge6ggO led!olunW suoRBngO ledtotunyj suoge6tlgp ledtotunW suo4e6iIgO ledtotun!N suc)ge6!lgo ledtotunW swge6tlgp ledtotunyq suo!Le6rJgO ledto!un{ry suo!Le6!IgO ledtotun W suo. . qp ledtotunyy mxLe6iIgO iedlolunW suo. IqO ledrotunyy swge6tlgp led!olunW suoge6!IgO ledro!un yy suopl &.1qo ied!o!unW —ge6llgp tedpiunyq suoge6ygp lediotunyq su , . qp ledtotunyy suo4e6llgo ledtotunW suoge6pgO led13pnVj RESOLUTION NO. 2011 - 28 A RESOLUTION OF THE CITY COUNCIL OF THE CITY OF PALM DESERT, CALIFORNIA, AUTHORIZING THE INVESTMENT OF MONIES IN A RABOBANK MONEY MARKET ACCOUNT WHEREAS, pursuant to California Government Code Sections 53631 and 53637, the City of Palm Desert Treasurer is authorized to open depository accounts at financial institutions with the objective of realizing a maximum return, consistent with prudent financial management; WHEREAS, investment yields are depressed at historic lows; WHEREAS, Rabobank, a "AAA" -rated global bank with a branch office in the City of Palm Desert, offers a money market account with a yield that is guaranteed to exceed that of the State of California Local Agency Investment Fund (LAIF) by 15 basis points; NOW THEREFORE, BE IT RESOLVED, that the City Council does hereby authorize the following City officers or their successors in office to open a Rabobank money market account, and to order the deposit and withdrawal of surplus monies thereto: Paul S. Gibson Jose Luis Espinoza Thomas W. Jeffrey City Treasurer Assistant Finance Director Deputy City Treasurer PASSED, APPROVED, AND ADOPTED, by the City Council of the City of Palm Desert, Riverside County, California, at its regular meeting held on this 14th day of April, 2011, by the following vote, to wit: AYES: NOES: ABSENT: ABSTAIN: JEAN M. BENSON, MAYOR ATTEST: RACHELLE D. KLASSEN, CITY CLERK CITY OF PALM DESERT, CALIFORNIA G:Tinance\Niamh Ortega\Resolutions\RES - RABOBANK Investment of Surplus Monies 041411.docx RESOLUTION NO. 584 A RESOLUTION OF THE AGENCY BOARD OF THE PALM DESERT REDEVELOPMENT AGENCY, PALM DESERT, CALIFORNIA, AUTHORIZING THE INVESTMENT OF MONIES IN A RABOBANK MONEY MARKET ACCOUNT WHEREAS, pursuant to California Government Code Sections 53631 and 53637, the Palm Desert Redevelopment Agency Treasurer is authorized to open depository accounts at financial institutions with the objective of realizing a maximum return, consistent with prudent financial management; WHEREAS, investment yields are depressed at historic lows; WHEREAS, Rabobank, a "AAA" -rated global bank with a branch office in the city of Palm Desert, offers a money market account with a yield that is guaranteed to exceed that of the State of California Local Agency Investment Fund (LAIF) by 15 basis points; NOW THEREFORE, BE IT RESOLVED, that the Agency Board does hereby authorize the following officers or their successors in office to open a Rabobank money market account, and to order the deposit and withdrawal of surplus monies thereto: Paul S. Gibson Jose Luis Espinoza Thomas W. Jeffrey City/RDA Treasurer Assistant Finance Director Deputy City Treasurer PASSED, APPROVED, AND ADOPTED, by the Agency Board of the Palm Desert Redevelopment Agency, Riverside County, California, at its regular meeting held on this 14th day of April, 2011, by the following vote, to wit: AYES: NOES: ABSENT: ABSTAIN: JEAN M. BENSON, CHAIRMAN ATTEST: RACHELLE D. KLASSEN, SECRETARY PALM DESERT REDEVELOPMENT AGENCY