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Fixed Rate Trading

Through years of commitment, PMA Financial Network, LLC and PMA Securities, LLC has built an extensive institutional network of local investment providers that give PMA Financial Network, LLC and PMA Securities, LLC the ability to provide innovative investment solutions, highly competitive fixed rate products and liquidity through many business cycles.

The Fixed Income Sales and Trading Team provides sales, trading and other institutional services to governmental units and is dedicated to the fixed income marketplace. This includes:

  • All major government and agency securities.
  • Municipal securities
  • Certificates of deposit and other deposit products
  • Money market funds

Online Transactions and Reporting

As Fund Administrator, PMA’s Government Portfolio System (PMA GPS®) is a secure Internet-based investment execution and reporting tool for Participants in MOCAAT. Users can download forms and Fund documentation, view and update current account information, view and download current and historical account statements and initiate transactions with the investment pool. PMA GPS® also enables MOCAAT Participants to:

  • View monthly account statements, daily confirmation statements, historical statements and fixed rate investment portfolios
  • Enter transactions up to a year in advance as long as they follow any unique restrictions of the fund, including designated cutoff times
  • Access their accounts online at any time, on a secure server 24 hours a day, 7 days a week
  • Process a variety of transactions over a secured server

Bond Proceeds Management Program

PMA’s Bond Proceeds Management Program (PMA BPM) is a comprehensive service that helps you establish a reliable and sufficient flow of funds, optimize your investment earning and adequately cover projected expenses. Additionally, PMA BPM helps public entities reap significant benefits in the critical areas of investment, arbitrage and reporting.

Tax exempt debt issuers are subject to a long list of Internal Revenue Service (IRS) requirements that dictate how and when they can use their bond proceeds. Through PMA BPM, these obligations are fulfilled with as little hassle as possible.

Investment, Arbitrage and Reporting

PMA BPM assists public entities in reaping significant benefits in the critical areas of investment, arbitrage and reporting.

  1. PMA competitively bids client investments across its expansive network of banks and dealers to obtain optimal pricing on client investments.
  2. PMA’s local bank participation program allows local institutions to participate in the process if desired.

PMA helps bring a public entity’s construction project to life through a comprehensive investment and arbitrage management program that assists in maximizing interest earnings while complying with arbitrage and IRS regulations, existing policies, as well as state and federal statutes.

PMA’s specialized monthly reports provide:

  • Reliable interest earnings projections
  • Arbitrage spend down status
  • Spending exception tests
  • Monthly updates on potential arbitrage payments
  • Comprehensive portfolio reporting


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Cash Flow Management Program

Money management goes beyond picking investment products. We believe improving our clients’ overall investment plan is the smartest way to impact and improve returns. At PMA, this process begins with a thorough understanding of our clients’ cash flow and is carried out through PMA’s Cash Flow Management Program, which analyzes large fields of data and capitalizes on the newfound insight.

PMA’s Cash Flow Management Program gives public entities a complete and accurate picture of their cash flow so they can put their money to work sooner and longer.

There is more to money management than simply shopping for investments. An accurate cash flow plan allows a client to intelligently build an investment schedule that capitalizes on the yield curve benefits of longer-term investing. PMA’s cash flow analysis helps a client facilitate that liabilities are met with a maturity, invest longer to take advantage of higher rates, plan for cash shortfalls, identify long-term investment potential and maximize interest income. PMA’s cash flow analysis is free of charge for its investment clients.

The Power of a Good Plan

The result of PMA’s comprehensive historical analysis of a client’s financial statements is a daily cash flow plan. This plan maps out such items as payroll dates and amounts, debt schedules and state aid payments, to name a few. PMA then builds an optimized investment schedule that:

  1. Covers expenses
  2. Extends maturity lengths
  3. Captures the yield curve benefits of long-term investing
Competitive Bidding

Not only does PMA put a public entity’s money to work for the long-term, its competitive bid program seeks to secure the best rate possible. This is accomplished by competitively bidding investments across our expansive network of banks and securities dealers on behalf of each public entity. A single call to PMA gives investors efficient access to a robust institutional network of financial institutions.

Credit Risk Analysis

PMA monitors the creditworthiness of each investments made by PMA Financial Network, LLC and PMA Securities, LLC on behalf of its clients. The department closely follows the capital markets and regulatory environment for issues that may affect any of MOCAAT Participants’ investments. PMA employs a variety of credit analysis procedures for these investment products:

  • Government and agency securities
  • Municipal securities
  • Certificates of deposit
  • Other depository products

Specific to the banking industry, the department analyzes each bank where deposits are placed quarterly and on an ongoing basis. Discerning the creditworthiness of banks has become more difficult for public entities as subprime related assets, write-downs, over-concentrated balance sheets and increased regulatory scrutiny have all been contributing factors to the strength or weakness of banks across the country. As such, we believe it is more important than ever to perform quality credit analysis.

Collateral Programs

PMA produces a monthly report for its clients detailing all collateralized deposits and the market value of the pledged collateral. When a client engages PMA to invest its assets, this consolidated report contributes to administrative efficiency and peace of mind.


Detailed credit analysis is a fundamental component of PMA’s investment process. This analysis is conducted by a combination of ratio analysis and assessment of qualitative factors. PMA employs a belt and suspenders approach to maintaining the safety of client deposits. In addition to credit analysis, PMA utilizes multiple collateral programs and employs a rigorous set of collateral procedures that begin before your deposit is opened.