QTLY 1 Treasurer report 9.30.2022

10-31-2022
To: Robert J. Brule — First Selectman
Kim Allen — Director of Finance
Glenn Patterson & Board of Finance Members
Paul Goldstein & RTM Members
Thomas W. Giard ITI — Superintendent of Schools
Joseph Mancini — Director of Finance & Operations — BOE
Pat Fedor & Board of Education Members
From: Abbas Danesh — Treasurer
Subject: Quarterly Treasurer’s Report and Related Financials ending 9/30/2022.
The following attachments are included for reference:
Attachment 1 — 9/30/2022 Cash Positions — Town of Waterford
Attachment 2 - CDs & Bonds Summary — Town of Waterford
attachment 2 July — Sep & attachment 2 combined
Attachment 3 — Graph of Total] Interest Income ys. Fiscal Years
Attachment 4 — Interest Income by Funds vs. Fiscal Years
Attachment 5 — FY 2023 Estimated General Fund Cash Flow
Attachment 6 — Bond Debt Service
Attachment 7 — Historical rate increases
Attachment 8a — Estimated interest earning FY2023
Attachment 8b — Revised estimated interest earning FY2023
Going over our three baskets/institutions:
STIF interest rates are going up ©
Averages for July 1.54%, Aug 2.14%, Sep 2.50%
People’s Savings interest is at 0.10%.
Fidelity account activities:
July: 200K Treasury matured, purchased 207K treasury maturing Nov 2022.
Aug: Purchased 13K CD and 21K Agency. 3 Mil Treasury matured, purchased 1 Mil
Treasury maturing Dec of 2022 and purchased 1.985 treasury maturing April of 2023
Sep: 106K Treasury matured, purchased 114K CD maturing Sep of 2023
Please see Attachment 2 combined, the monthly running of WAM, WAY and Annualized
ALPHA to get a more accurate picture of our portfolio.
As I mentioned in my last report, “/ will most likely underperform our benchmark in next two
quarterly report”. As you observe our ALPHA, which measures performance, I underperformed our
benchmark in July, Aug and Sep by (-0.18%, -0.44% and -0.78%, respectively). Our Weighted
Average Yield (WAY) has been steadily increasing, from average of .65% in FY2021 to 1.72% in
Sep of 2023. However Federal reserves is aggressively increasing rates which supersedes our WAY.
Please see historical rate increases in attachment 7. Good news, I revised my FY23 interest earning,
from 1.7 mil to 2.4 mil. Please see attachment 8a and revised attachment 8b.

Attachments 3 & 4 show our interest income with comparable amounts from previous years.
Fiscal year to date of $449,787 vs full FY2022 of $203,398.
Please see Attachment 5, our estimated General Fund cash flows for FY 2023.
Please see Attachment 6, our updated bond debt service.
It is an honor and a pleasure to be in my position as treasurer; I welcome any questions or
suggestions.
Sincerely Yours,
a Abbas Danesh — Treasurer
...my next quarterly report will be in Jan 2023.

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Attachment 2 July
CDs & Bonds Summary - Town of Waterford, July 2022
Maturity Bank Name Purchase Price Amount
Date at maturity Yield
7/31/2022|CASH AND ACCRUED INTEREST $ 41,192 | $ 41,192 0.01%
8/25/2022| UNITED STATES TREAS BILLS $ 2,990,160 | $ 3,000,000 1.02%
9/15/2022| UNITED STATES TREAS BILLS $ 105,539 | $ 106,000 1.73%
10/27/2022; UNITED STATES TREAS BILLS $ 2,979,622 | $ 3,000,000 1.38%
11/3/2022|SYNCHRONY BANK CD $ 145,000 | $ 145,000 0.20%
11/15/2022; UNITED STATES TREAS $ 206,379 | $ 207,000 2.56%
11/30/2022| UNITED STATES TREAS $ 999,170 | $ 1,000,000 2.20%
1/31/2023|UNITED STATES TREAS BILLS $ 998,410 | $ 1,000,000 2.48%
2/15/2023| UNITED STATES TREAS BILLS $ 2,998,928 | $ 3,000,000 1.77%
3/31/2023| UNITED STATES TREAS BILLS $ 998,398 | $ 1,000,000 2.71%
§/31/2023|; UNITED STATES TREAS BILLS $ 35,779 | $ 36,000 2.20%
6/30/2023); UNITED STATES TREAS SER BC-2023 $ 199,506 | $ 200,000 0.25%
9/14/2023; BANK HAPOALIM B M NEW YORK CD $ 245,000 | $ 245,000 0.30%
9/11/2023; BMW BANK CD $ 245,000 | $ 245,000 0.30%
11/6/2023 ISRAEL BANK CD $ 245,000 | $ 245,000 0.50%
11/6/2023; SYNCHRONY BANK CD $ 100,000 | $ 100,000 0.50%
6/5/2024|GOLDMAN SACHS BK USA CD $ 178,347 | $ 166,000 0.61%
8/26/2024|SALLIE MAE BANK $ 5,000 | $ 5,000 0.65%
9/18/2024|FLAGSTAR BANK CD $ 245,000 | $ 245,000 0.35%
10/18/2024| WELLS FARGO BANK NATL ASSN CD $ 61,993 | $ 59,000 0.64%
1/14/2025|GOLDMAN SACHS BK USA NY CD $ 110,287 | $ 100,000 0.63%
6/3/2025|GOLDMAN SACHS BK USA CD $ 47,442 | $ 43,000 0.69%
7/1/2025|GOLDMAN SACHS BK USA CD $ 111,425 | $ 100,000 0.69%
7/15/2025| TENNESSEE VALLEY AUTH $ 20,329 | $ 21,000 0.68%
8/18/2025}GOLDMAN SACHS BK USA $ 10,000 | $ 10,000 0.80%
8/21/2025| TOYOTA FINL SVGS BANK CD $ 245,000 | $ 245,000 0.54%
9/4/2025|STATE BANK OF INDIA CD $ 245,000 | $ 245,000 0.45%
9/9/2025| FEDERAL HOME LN MTG CORP $ 100,000 | $ 100,000 0.65%
9/15/2025; MERRICK BANK CD $ 245,000 | $ 245,000 0.40%
11/24/2025|CITIBANK CD $ 11,348 | $ 10,000 0.73%
1/31/2026|UNITED STATES TREAS SER U-2026 $ 98,040 | $ 100,000 0.79%
3/31/2026| UNITED STATES TREAS SER W-2026 $ 199,250 | $ 200,000 0.83%
3/31/2026| UNITED STATES TREAS SER W-2026 $ 99,589 | $ 100,000 0.84%
3/31/2026|UNITED STATES TREAS SER W-2026 $ 99,875 | $ 100,000 0.78%
6/30/2026) UNITED STATES TREAS SER AA-2026 $ 99,859 | $ 100,000 0.90%
6/30/2026/SALLIE MAE BANK $ 240,000 | $ 240,000 0.90%
6/30/2027 | FEDERAL HOME LOAN BANKS $ 180,090 | $ 180,000 3.25%
9/2/2027 |FEDERAL HOME LOAN BANKS $ 100,000 | $ 100,000 0.90%
9/20/2027 | BRIDGEWATER BANK CD $ 245,000 | $ 245,000 0.40%
12/23/2027|SPIRITBANK NA TULSA OKLA CD $ 200,000 | $ 200,000 0.60%
12/28/2027|C ELTIC BK SALT LAKE CITY UTAH CD $ 200,000 | $ 200,000 0.75%
7/28/2028 |FIRST FED SVGS & LN CD $ 199,800 | $ 200,000 0.91%
8/15/2028; US TREAS SEC STRIPPED INT $ 23,040 | $ 25,000 1.18%
9/11/2028} ADAMS COUNTY BANK CD $ 245,000 | $ 245,000 0.80%
9/10/2029|FEDERAL FARM CR BKS BOND $ 100,000 | $ 100,000 1.23%
10/30/2030; JP MORGAN CHASE CD $ 245,000 | $ 245,000 1.00%
11/4/2030|LIVE OAK BKG CO NC CD $ 245,000 | $ 245,000 0.95%
9/25/2030|MINNWEST BANK CD $ 245,000 | $ 245,000 0.85%
12/23/2030| FEDERAL HOME LN MTG CORP $ 100,000 | $ 100,000 1.40%
Total Investments $ 18,333,797 | $ 18,334,192
Weighted Average Yield 1.36%
STIF @ 7.54%
Annualized ALPHA
Weighted Average Maturity in Years 1.53

Attachment 2 Aug
CDs & Bonds Summary - Town of Waterford, Aug 2022
Maturity Bank Name Purchase Price Amount
Date at maturity Yield -
8/31/2022} CASH AND ACCRUED INTEREST $ 58,020 | $ 58,020 0.01%
9/15/2022|UNITED STATES TREAS BILLS $ 105,539 | $ 106,000 1.73%
10/27/2022|UNITED STATES TREAS BILLS $ 2,979,622 | $ 3,000,000 1.38%
11/3/2022|SYNCHRONY BANK CD $ 145,000 | $ 145,000 0.20%
11/15/2022| UNITED STATES TREAS $ 206,379 | $ 207,000 2.586%
11/30/2022; UNITED STATES TREAS $ 999,170 | $ 1,000,000 2.20%
12/31/2022| UNITED STATES TREAS $ 997,500 | $ 1,000,000 2.85%
1/31/2023| UNITED STATES TREAS BILLS $ 998,410 | $ 1,000,000 2.48%
2/15/2023| UNITED STATES TREAS BILLS $ 2,998,928 | $ 3,000,000 1.77%
3/10/2023| FEDERAL FARM CR BKS BOND $ 20,656 | $ 21,000 3.09%
3/31/2023|UNITED STATES TREAS BILLS $ 998,398 | $ 1,000,000 2.71%
4/30/2023| UNITED STATES TREAS $ 1,979,495 | $ 1,985,000 3.21%
§/31/2023|UNITED STATES TREAS BILLS $ 35,779 | $ 36,000 2.20%
6/30/2023|/UNITED STATES TREAS SER BC-2023 $ 199,506 | $ 200,000 0.25%
9/14/2023|BANK HAPOALIM B M NEW YORK CD $ 245,000 | $ 245,000 0.30%
9/11/2023| BMW BANK CD $ 245,000 | $ 245,000 0.30%
11/6/2023 ISRAEL BANK CD $ 245,000 | $ 245,000 0.50%
11/6/2023| SYNCHRONY BANK CD $ 100,000 | $ 100,000 0.50%
6/5/2024|GOLDMAN SACHS BK USA CD $ 178,347 | $ 166,000 0.61%
8/5/2024| AMERICAN EXPRESS NATL BANK $ 13,000 | $ 13,000 3.35%
8/26/2024/SALLIE MAE BANK $ 5,000 | $ 5,000 0.65%
9/18/2024)/FLAGSTAR BANK CD $ 245,000 | $ 245,000 0.35%
10/18/2024|WELLS FARGO BANK NATL ASSN CD $ 61,993 | $ 59,000 0.64%
1/1412025| GOLDMAN SACHS BK USA NY CD $ 110,287 | $ 100,000 0.63%
6/3/2025|GOLDMAN SACHS BK USA CD $ 47,442 |$ 43,000 0.69%
7/112025|GOLDMAN SACHS BK USA CD $ 111,425 | $ 100,000 0.69%
7/15/2025 | TENNESSEE VALLEY AUTH $ 20,329 | $ 21,000 0.68%
8/18/2025| GOLDMAN SACHS BK USA $ 10,000 | $ 10,000 0.80%
8/21/2025| TOYOTA FINL SVGS BANK CD $ 245,000 | $ 245,000 0.54%
9/4/2025|STATE BANK OF INDIA CD $ 245,000 | $ 245,000 0.45%
9/9/2025 |FEDERAL HOME LN MTG CORP $ 100,000 | $ 100,000 0.65%
9/15/2025 |MERRICK BANK CD $ 245,000 | $ 245,000 0.40%
11/24/2025|CITIBANK CD $ 11,348 | $ 10,000 0.73%
1/31/2026 | UNITED STATES TREAS SER U-2026 $ 98,040 | $ 100,000 0.79%
3/31/2026|UNITED STATES TREAS SER W-2026 $ 199,250 | $ 200,000 0.83%
3/31/2026|UNITED STATES TREAS SER W-2026 $ 99,589 | $ 100,000 0.84%
3/31/2026/UNITED STATES TREAS SER W-2026 $ 99,875 | $ 100,000 0.78%
6/30/2026|UNITED STATES TREAS SER AA-2026 $ 99,859 | $ 100,000 0.90%
6/30/2026|SALLIE MAE BANK $ 240,000 | $ 240,000 0.90%
6/30/2027 | FEDERAL HOME LOAN BANKS $ 180,090 | $ 180,000 3.25%
9/2/2027|FEDERAL HOME LOAN BANKS $ 100,000 | $ 100,000 0.90%
9/20/2027 |BRIDGEWATER BANK CD $ 245,000 | $ 245,000 0.40%
12/23/2027 |SPIRITBANK NA TULSA OKLA CD $ 200,000 | $ 200,000 0.60%
12/28/2027|CELTIC BK SALT LAKE CITY UTAH CD $ 200,000 | $ 200,000 0.75%
7/28/2028 FIRST FED SVGS & LN CD $ 199,800 | $ 200,000 0.91%
8/15/2028|US TREAS SEC STRIPPED INT $ 23,040 | $ 25,000 1.18%
9/11/2028| ADAMS COUNTY BANK CD $ 245,000 | $ 245,000 0.80%
9/10/2029 |FEDERAL FARM CR BKS BOND $ 100,000 | $ 100,000 1.23%
10/30/2030|JP MORGAN CHASE CD $ 245,000 | $ 245,000 1.00%
11/4/2030 |LIVE OAK BKG CO NC CD $ 245,000 | $ 245,000 0.95%
9/25/2030|MINNWEST BANK CD $ 245,000 | $ 245,000 0.85%
12/23/2030| FEDERAL HOME LN MTG CORP $ 100,000 | $ 100,000 1.40%
Total Investments $ 18,371,116 | $ 18,370,020
Weighted Average Yield 1.70%
STIFF @ 2.14%
Annualized ALPHA
Weighted Average Maturity in Years 1.54

Attachment 2 Sep
CDs & Bonds Summary - Town of Waterford, Sep 2022
Maturity Bank Name Purchase Price Amount
Date at maturity Yield
9/30/2022| CASH AND ACCRUED INTEREST $ 70,062 | $ 70,062 0.01%
10/27/2022|UNITED STATES TREAS BILLS $ 2,979,622 | $ 3,000,000 1.38%
11/3/2022| SYNCHRONY BANK CD $ 145,000 | $ 145,000 0.20%
11/15/2022|UNITED STATES TREAS $ 206,379 | $ 207,000 2.56%
11/30/2022|UNITED STATES TREAS $ 999,170 | $ 1,000,000 2.20%
12/31/2022|UNITED STATES TREAS $ 997,500 | $ 1,000,000 2.85%
1/31/2023; UNITED STATES TREAS BILLS $ 998,410 | $ 1,000,000 2.48%
2/15/2023|UNITED STATES TREAS BILLS $ 2,998,928 | $ 3,000,000 1.77%
3/10/2023 |FEDERAL FARM CR BKS BOND $ 20,656 | $ 21,000 3.09%
3/31/2023|UNITED STATES TREAS BILLS $ 998,398 | $ 1,000,000 2.71%
4/30/2023|UNITED STATES TREAS $ 1,979,495 | $ 1,985,000 3.21%
5/31/2023|UNITED STATES TREAS BILLS $ 35,779 | $ 36,000 2.20%
6/30/2023|UNITED STATES TREAS SER BC-2023 $ 199,506 | $ 200,000 0.25%
9/14/2023) BANK HAPOALIM B M NEW YORK CD $ 245,000 | $ 245,000 0.30%
9/11/2023) BMW BANK CD $ 245,000 | $ 245,000 0.30%
9/22/2023| BMO HARRIS BANK CD $ 114,000 | $ 114,000 4.00%
11/6/2023 ISRAEL BANK CD $ 245,000 | $ 245,000 0.50%
11/6/2023| SYNCHRONY BANK CD $ 400,000 | $ 100,000 0.50%
6/5/2024|GOLDMAN SACHS BK USA CD $ 178,347 | $ 166,000 0.61%
8/5/2024| AMERICAN EXPRESS NATL BANK $ 13,000 | $ 13,000 3.35%
8/26/2024) SALLIE MAE BANK $ 5,000 | $ 5,000 0.65%
9/18/2024|FLAGSTAR BANK CD $ 245,000 | $ 245,000 0.35%
10/18/2024|WELLS FARGO BANK NATL ASSN CD $ 61,993 | $ 59,000 0.64%
1/14/2025|GOLDMAN SACHS BK USA NY CD $ 110,287 | $ 100,000 0.63%
6/3/2025| GOLDMAN SACHS BK USA CD $ 47,442 | $ 43,000 0.69%
7/112025| GOLDMAN SACHS BK USA CD $ 111,425 | $ 100,000 0.69%
7/15/2025 | TENNESSEE VALLEY AUTH $ 20,329 | $ 21,000 0.68%
8/18/2025| GOLDMAN SACHS BK USA $ 10,000 | $ 10,000 0.80%
8/21/2025| TOYOTA FINL SVGS BANK CD $ 245,000 | $ 245,000 0.54%
9/4/2025|STATE BANK OF INDIA CD $ 245,000 | $ 245,000 0.45%
9/9/2025| FEDERAL HOME LN MTG CORP $ 400,000 | $ 100,000 0.65%
9/15/2025|MERRICK BANK CD $ 245,000 | $ 245,000 0.40%
11/24/2025 | CITIBANK CD $ 11,348 | $ 10,000 0.73%
1/31/2026) UNITED STATES TREAS SER U-2026 $ 98,040 | $ 100,000 0.79%
3/31/2026|UNITED STATES TREAS SER W-2026 $ 199,250 | $ 200,000 0.83%
3/31/2026 | UNITED STATES TREAS SER W-2026 $ 99,589 | $ 100,000 0.84%
3/31/2026 UNITED STATES TREAS SER W-2026 $ 99,875 | $ 100,000 0.78%
6/30/2026|UNITED STATES TREAS SER AA-2026 $ 99,859 | $ 100,000 0.90%
6/30/2026 |SALLIE MAE BANK $ 240,000 | $ 240,000 0.90%
6/30/2027 |FEDERAL HOME LOAN BANKS $ 180,090 | $ 180,000 3.25%
9/2/2027 |FEDERAL HOME LOAN BANKS $ 100,000 | $ 100,000 0.90%
9/20/2027 |BRIDGEWATER BANK CD $ 245,000 | $ 245,000 0.55%
12/23/2027 |SPIRITBANK NA TULSA OKLA CD $ 200,000 | $ 200,000 0.60%
12/28/2027|CELTIC BK SALT LAKE CITY UTAH CD $ 200,000 | $ 200,000 0.75%
7/28/2028 |FIRST FED SVGS & LN CD $ 199,800 | $ 200,000 0.91%
8/15/2028|US TREAS SEC STRIPPED INT $ 23,040 | $ 25,000 1.18%
9/11/2028; ADAMS COUNTY BANK CD $ 245,000 | $ 245,000 0.80%
9/10/2029 | FEDERAL FARM CR BKS BOND $ 100,000 | $ 100,000 1.23%
10/30/2030|JP MORGAN CHASE CD $ 245,000 | $ 245,000 1.00%
11/4/2030|LIVE OAK BKG CO NC CD $ 245,000 | $ 245,000 0.95%
9/25/2030| MINNWEST BANK CD $ 245,000 | $ 245,000 0.85%
12/23/2030|FEDERAL HOME LN MTG CORP $ 100,000 | $ 100,000 1.40%
Total Investments $ 18,391,619 | $ 18,390,062
Weighted Average Yield 1.72%
STIF @ 2.50%
Annualized ALPHA
Weighted Average Maturity in Years 1.46

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Attachment 6
BOND DEBT SERVICE
Outstanding Debt Service Post 2020 Taxable Refund
Town of Waterford, Connecticut
Fiscal Year Principal Interest Debt Service
2023 $845,000 $905,443) $1,750,443
2024 $6,450,000 $1,698,250) $8,148,250
2025; $6,595,000 $1,514,746 $8,109,746
2026| $6,645,000) $1,319,500 $7,964,500
2027| $6,395,000) $1,083,426 $7,478,426
2028, $5,545,000 $829,375) $6,374,375
2029) $5,770,000 $632,762) $6,402,762
2030) $5,375,000 $482,770| $5,857,770
2031} $5,340,000 $344,138| $5,684,138
2032} $3,635,000 $239,800 $3,874,800
2033) $3,570,000 $166,780 $3,736,780
2034, $1,585,000 $114,224 $1,699,224
2035 $680,000 $91,800 $771,800
2036 $680,000 $78,200 $758,200
2037 $680,000 $64,600 $744,600
2038 $680,000 $50,575 $730,575
2039 $680,000 $36,125 $716,125
2040 $680,000 $21,675 $701,675
2041 $680,000 $7,225 $687,225
$62,510,000 $9,681,411, $72,191,411

Attachment 7 Historical rate increases
FOMC meeting | Rate change | Fed Fund rate | Consecutive Total
Feb-94 0.25 3.25%
Mar-94 0.25 3.50%
Apr-94 0.25 3.75%
May-94 0.50 4.25%
Aug-94 0.50 4.75%
Nov-94 0.75 5.50%
Feb-95 0.50 6.00% 7 3.00%
Jun-99 0.25 5.00%
Aug-99 0.25 5.25%
Nov-99 0.25 5.50%
Feb-99 0.25 5.75%
Mar-00 0.25 6.00%
May-00 0.50 6.50% 6 1.75%
Jun-04 0.25 1.25%
Aug-04 0.25 1.50%
Sep-04 0.25 1.75%
Nov-04 0.25 2.00%
Dec-04 0.25 2.25%
Feb-05 0.25 2.50% °
Mar-05 0.25 2.75%
May-05 0.25 3.00%
Jun-05 0.25 3.25%
Aug-05 0.25 3.50%
Sep-05 0.25 3.75%
Nov-05 0.25 4.00%
Dec-05 0.25 4.25%
Jan-06 0.25 4.50%
Mar-06 0.25 4.75%
May-06 0.25 5.00%
Jun-06 0.25 5.25% 17 4,25%
Dec-15 0.25 0.25%
Dec-16 0.25 0.50%
Mar-17 0.25 0.75%
Jun-17 0.25 1.00%
Dec-17 0.25 1.25%
Mar-18 0.25 1.50%
Jun-18 0.25 1.75%
Sep-18 0.25 2.00%
Dec-18 0.25 2.25% 9 2.25%
Mar-22 0.25 0.25%
May-22 0.50 0.75%
Jun-22 0.75 1.50%
Jul-22 0.75 2.25%
22-Sep 0.75 3.00% 5 3.00%

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