Loading...
HomeMy WebLinkAbout072120-07.1I INVESTMENT REPORT Town of Danville Period Ending June 30, 2020 CHANDLER ,It ASSET MANAGEMENT CHANDLER ASSET MANAGEMENT, INC. 1 800.317.4747 1 www.chandlerasset.com ITable of Contents SECTION 1 SECTION 2 SECTION 3 SECTION 4 Economic Update Account Profile Portfolio Holdings Transactions As of June 30, 2020 1 Qt. ``' til �ti � Section 1 Economic Update Economic Update ■ Economic data remains weak but is showing signs of improvement. We believe financial market participants are looking through the data and expect conditions to recover further in the second half of the year, supported by robust fiscal and monetary relief. First quarter GDP declined 5.0% and the decline in second quarter GDP is expected to be more severe, but economic output is expected to grow in the third quarter. More than 40 million people have filed for unemployment since mid-March, though many of those jobs have already started to return. We believe additional fiscal stimulus, beyond the $2.7 trillion that has already been announced, may be necessary to foster a strong recovery. The Federal Open Market Committee (FOMC) kept monetary policy unchanged at its June 9-10 meeting, as expected, with the fed funds target rate in the range of 0%-0.25%. According the Fed's economic projections, policymakers expect to keep that range unchanged through 2022. The Fed will continue to purchase Treasury and agency mortgage-backed securities as needed to support smooth market functioning and will continue to support the flow of credit to households, businesses, and municipalities through the various lending programs that have already been announced. Although some economic data has recently surprised to the upside, Fed Chair Powell maintained a dovish tone during his press conference and cautioned that unemployment is likely to remain elevated even as the economy recovers. He noted the outlook for the economy remains highly uncertain and depends largely on the path of the pandemic. He also hinted that the Fed is considering the option of yield curve control (i.e. structuring their bond purchases to target a cap on yields across the Treasury yield curve). Overall, the Fed remains highly accommodative. Treasury yields were nearly unchanged in June. The yield on 2 -year Treasuries declined about one basis point to 0.15% and the yield on 10 -year Treasuries was essentially unchanged at 0.66%. Global economic weakness continues to put downward pressure on inflation expectations. An ongoing global demand for safe -haven assets has also kept a lid on Treasury rates. 3 CIS . 0 0 0 S v ao C s u Employment 10,000 Ems 2,000 -2,000 -6,000 -10,000 -14,000 -18,000 -22,000 Nonfarm Payroll (000's) 00 OC 1c4 1cP lcQ 19 l,9 l9 l9 �O �O Source: US Department of Labor 24.0% 22.0% 20.0% 18.0% 16.0% 14.0% ' 12.0% °C 10.0% 8.0% 6.0% 4.0% 2.0% 0.0% Unemployment Rate 1 1 , - - - Underemployment Rate (U6) 1 Unemployment Rate (U3) 1 ,� 1 1 1 1 I 1 ✓4� 1� S�� I� QPc lcQ �dr� ✓4� l9 p j9 9 130 �Pc ja�✓�� �O 9 O Source: US Department of Labor U.S. nonfarm payrolls were better than expected in June increasing by 4,800,000 versus expectations of 3,230,000. The unemployment rate declined to 11.1% in June (versus expectations of 12.5%) from 13.3% in May. If the workers who classified themselves as employed but absent from work in the June survey had instead been classified as unemployed on temporary layoff, the total unemployment rate would have been about 1% higher. Job growth was broad-based in June, with particularly strong gains in leisure and hospitality and retail trade, but the improvement was still a long way from recovering the number of jobs lost in those sectors in April. The U-6 underemployment rate, which includes those who are marginally attached to the labor force and employed part time for economic reasons, remained very high but eased to 18.0% in June from 21.2% in May. The labor participation rate increased to 61.5% in June from 60.8% in May. Initial Claims for Unemployment Initial Claims For Unemployment April 03, 2020 -July 03, 2020 22,548 24,912 25,000 22,377 20,841 21,268 I 20,606 20,289 19,231 18,760 18,011 I I 18,062 20,000 I 15,819 y 15,000 c N 11,914, Initial Jobless Claims r 10,000 6,615 Continuing Claims 5,237 3,867 5,000 4,442 3,176 2,687 2,446 2,123 1,897 1,566 1,540 1,482 Obi Off/ OS OS/ OSi OS OS/ 06' 06' 06' 06' 01/ 09 -170, .7j, )V 01, 0,5, 1s, ��i �0--,)0- i Os, 1�j 79, �6' , �O �O �O �O ,)O ,)O �O ,)O �O �O ,)O �O �O �O Source: US Department of Labor In the most recent week of July 4th, more than 1.3 million people filed an initial claim for unemployment. The level of continuing unemployment claims (where the data is lagged by one week) remained very high in the week of June 26th but declined to nearly 18.1 million from the prior week level of about 18.8 million. 5 c�' Inflation Consumer Price Index (CPI) 3.5% 3.0% 3.0% 2.5% 2.5% Gl 2.0% - - �♦ to % ♦ ���-+ ,�• s2.0% -b.0 4, .0 u 1.0% • 1.5% PCE Price DeflatorYOY % Change ` o - - - PCE Core Deflator YOY % Change 0.0% 1.0% X01-. �Pb 1'4 - ele, �0G19 X06 �9 l9 CPI YOY % Change 0.5 Source: US Deportment of Commerce - - - Core CPI YOY % Change 0.0% Oil �d`19 01, �tg19 �01,19O b l9 Source: US Department of Labor Personal Consumption Expenditures (PCE) 3.5% 3.0% 2.5% Gl 2.0% - - �♦ t u % ♦ ���-+ o • 1.0% • ' PCE Price DeflatorYOY % Change 0.5% - - - PCE Core Deflator YOY % Change 0.0% X01-. �Pb 1'4 - ele, �0G19 X06 �9 l9 Source: US Deportment of Commerce The Consumer Price Index (CPI) was up 0.1% year -over -year in May, down from 0.3% in April. Core CPI (CPI less food and energy) was up just 1.2% year -over -year in May, down from 1.4% in April. The Personal Consumption Expenditures (PCE) index was up just 0.5% year -over -year in May, versus up 0.6% year -over -year in April and 1.3% in March. Core PCE, which is the Fed's primary inflation gauge, was up 1.0% year -over - year in May, versus up 1.0% year -over -year in April and 1.7% in March. Consumer pricing data indicate that the effect of the pandemic has been deflationary. 6 011111 . Consumer 10.0% 5.0% 0.0% v �o s -5.0% v } -10.0% 0 -15.0% -20.0% -25.0% Retail Sales YOY % Change 4-7 �4�1� �oG1�06'19 1" 4l0j 19 q4g 19 �oG 19 X06 �Oil- Source: US Department of Commerce 150 140 130 120 v X 110 c 100 90 80 Consumer Confidence ✓4�'Ic4 s�p'IcQ 10,c1cQ d�1 SPpO 19 l9 �c�d�✓��>p9 19 � Source: The Conference Board On a year -over -year basis, retail sales were down 6.1% in May versus down of 19.9% in April. On a month -over -month basis, retail sales jumped 17.7% in May (a much stronger rebound than expected), following a 14.7% decline in April. In May, month -over -month increases were particularly strong for clothing, furniture, sporting goods, electronics, appliances, and auto sales. Consumer confidence continued to recover in June. The Consumer Confidence index rose to 98.1 in June from 85.9 in May. Both the Present Situation index the Expectations index improved. IEconomic Activity 4.0% 2.0% 0 0.0% C M s U 75- -2.0% 0 -4.0% -6.0% Leading Economic Indicators (LEI) -8.0% Source: The Conference Board q Pb 7,q d` 7 g19 2.00 1.00 0.00 -1.00 o� -2.00 a -3.00 t o -4.00 M -5.00 -6.00 -7.00 -8.00 Chicago Fed National Activity Index (CFNAI) X01 X06 2fa` 4f7 1<1 79 )o ,)p 1� 1cQ 1cQ Source: Federal Reserve Bank of Chicago .cPb fid` y4e"7,9 �joG .cPb �dL Z9 1,g . j9 I9 �p "30 The Conference Board's Leading Economic Index (LEI) rose 2.8% in May, following a 6.1% decline in April. On a year -over -year basis, the LEI was down 10.6% in May versus down 13.0% in April. According to the Conference Board, the path toward economic recovery remains highly uncertain. The Chicago Fed National Activity Index (CFNAI) increased to 2.61 in May from -17.89 in April. On a 3 -month moving average basis, the CFNAI improved to -6.65 in May from -7.50 in April, which remains deeply below the -0.7 recessionary level. 8 C� Housing 2000 1800 1600 4- 0 1400 c 1200 0 1000 :11, W 600 s 400 � 200 0 Housing Starts Multi Family Housing Starts ■ Single Family Housing Starts 8.0% 7.0% 6.0% twv 2 5.0% s U 4.0% 0 3.0% 2.0% 1.0% S&P/Case-Shiller 20 City Composite Home Price Index �oG1� ��b19 /d`�9 91�g19 p�19 �ob�o O`�0 9pr1� ✓(�j1� OCIA, ✓d��9 9p�Z9 ✓(�j19 OC�Z9 ✓d��O 9pr�O Source: US Department of Commerce Source: S&P Housing starts rose 4.3% in May to an annual pace of 974,000. Single family starts were roughly flat at an annualized rate of 675,000, while multi- family starts increased 15.0%to an annualized rate of 299,000. Permits increased 14.4% in May to an annualized rate of 1,220,000. Accordingto the Case-Shiller 20 -City home price index, home prices were up 4.0% year -over -year in April versus up 3.9% year -over -year in March. We believe low inventory and low mortgage rates continue to support prices. 9 CIS . 62 60 58 56 54 52 50 48 46 44 42 40 Manufacturing Institute of Supply Management Purchasing Manager Index 8.0% 4.0% 0.0% v -4.0% U 0 } -8.0% 0 -12.0% -16.0% -20.0% Industrial Production ✓�� 1 sp0(1 �dr ✓�� 19 5��1 pPc1 �dr� ✓4� 11�9 �0j, q4�Z tioG1 �0"V �a`1 q4�1 tioG1 �Pb� �a`� 19 9 9 O O �p cQ 9 9 9 9 O p Source: Institute for Supply Management Source: Federal Reserve The Institute for Supply Management (ISM) manufacturing index improved meaningfully to 52.6 in June from 43.1 in May. The reading above 50.0 suggests that the manufacturing sector is no longer contracting. The Industrial Production index was down 15.3% year -over -year in May, versus down 16.3% in April. On a month -over -month basis, the Industrial Production index increased 1.4% in May, following a 12.5% decline in April. Capacity Utilization improved to 64.8% in May from 64.0% in April, but remains well below the long -run average of 79.8%. Overall manufacturing conditions remain under pressure but the sector is showing modest improvement from April. 10 CI1111 . Gross Domestic Product (GDP) Personal Consumption Expenditures 3.0% 2.1% 1.2% -4.7% Gross Private Domestic Investment -1.2% -0.2% -1.1% -1.8% Net Exports and Imports Federal Government Expenditures State and Local (Consumption and Gross Investment) -0.7% -0.1% 1.5% 1.3% 0.5% 0.2% 0.2% 0.1% 0.3% 0.1% 0.2% 0.1% 5.0% 4.0% 3.0% 2.0% 1.0% 0.0% -1.0% -2.0% -3.0% -4.0% -5.0% -6.0% Gross Domestic Product (GDP) � GDP QOQ % Change GDP YOY % Change Total 2.0% 2.1% 2.1% -5.0% /17dr SPav, 117dr SPb, �di s�°p, 117�'r, s�b, 47dr, . �dr 19 19 _�O Source: US Department of Commerce Source: US Department of Commerce First quarter US gross domestic product (GDP) declined 5.0%, a slightly larger decline than the initial estimate of -4.8%. Consumer spending declined 6.8% in the quarter. Notably, the decline in second quarter 2020 GDP is expected to be much more severe. The Bloomberg median estimate for second quarter GDP is -34.7%, and consumer spending is expected to decline 39.7%. The consensus forecast calls for a return to positive GDP growth in the third quarter. According to the National Bureau of Economic Research, the US economy officially entered a recession in February 2020, following a 128 -month economic expansion. Economic data remains weak but is showing early signs of improvement, which suggests that the recession (which is the period between the peak of economic activity and the trough) may technically already be over. Federal Reserve 7,500,000 7,000,000 6,500,000 6,000,000 5,500,000 5,000,000 4,500,000 4,000,000 3,500,000 Federal Reserve Balance Sheet Assets Oct ,� 9,6, 0c ✓�� fpr , 1d, 1�p 1g 1,g 1g 1g �� 1)p 2� Effective Federal Funds Rate 3.00% 2.50% 2.00% 1.50% ' 1.00% 0.50% 0.00% ��/, �c� ✓dh �br ��/, �c� ✓ah fib,, 1� 1� ,'9 1y 19 19 �0 ,)p -,o Source: Federal Reserve Source: Bloomberg The Fed has taken a wide range of aggressive actions to help stabilize and provide liquidity to the financial markets. The Fed has lowered the fed funds target rate to a range of 0.0%-0.25% and continues to purchase Treasury and agency mortgage-backed securities to support smooth market functioning. Policymakers reinstated the Commercial Paper Funding Facility and Money Market Mutual Fund Liquidity Facility in order to provide liquidity to the commercial paper, money markets, and the municipal bond markets. The Fed has established the Primary Market Corporate Credit Facility and Secondary Market Corporate Credit Facility to support the corporate bond market. The Term Asset -Backed Securities Loan Facility has been established to enable the issuance of asset-backed securities backed by student loans, auto loans, credit card loans, and loans guaranteed by the Small Business Administration. The Fed has established the Paycheck Protection Program Liquidity Facility and Fed's Main Street Lending Facility to support the flow of credit to businesses. The Fed established the Municipal Liquidity Facility to purchase short-term debt directly from US states, counties, and cities. The Fed has also provided short-term funding through large-scale repo operations and lowered the reserve requirement for depository institutions. 12 Bond Yields US Treasury Note Yields 4.0% 3.5% . • • • 2 -Year - - - 5 -Year 3.0% 10 -Year 2.5% .••.. ��•yA� 2.0% 1.5% �.''- do 04 1.0 0.5 0.0% ✓4�, SPp ��°c, �dr ✓4�J, s�°,b, O�c` �dr ✓4�J, 1�p 1� 1� 19 19 19 1g 2p �p Source: Bloomberg US Treasury Yield Curve 4.0% 3.5% . • • • Jun -20 Mar -20 3.0% Jun -19 2.5 0 2.0 v } 1.5% 1.0 f • 0.5% •.• 0.0% a' 6 �n- o /p r r r Yr yr Source: Bloomberg At June month-end, Treasury yields were much lower on a year -over -year basis. The 3 -month T-bill yield was down 196 basis points, the 2 -year Treasury yield was down 161 basis points, and the 10 -Year Treasury yield was down 135 basis points, year -over -year. Much of the spread movement was in the month of March 2020, with the Fed cutting rates by a total of 150 basis points and concerns about a global recession and a flight to safe -haven assets driving down yields across the curve. 13 til Section 2 Account Profile 14 Cjj1 IObjectives As of June 30, 2020 Investment Objectives The primary investment objectives of the Town of Danville are to preserve principal and to maintain adequate liquidity to meet the Town's cash flow requirements. The Town expects to achieve a rate of return which is consistent with its primary objectives. Chandler Asset Management Performance Objective The performance objective is to achieve a return that equals the return on an unmanaged index of one -to - three year Treasury securities (a "market rate of return"). Strategy In order to meet its objectives, the Town invests in securities permitted under California Government Code Section 53600 et seq. and under its Investment Policy. The maximum maturity of the Town's investments is five years, unless specifically authorized by the Town Council. 15 QJ Compliance Category Treasury Issues Agency Issues Municipal Securities Supranational Securities As of June 30, 2020 Town of Danville - All Accounts Assets managed by Chandler Asset Management are in full compliance with state law and the Client's investment policy. Standard No Limit; Obligations of the U.S. Treasury or securities guaranteed by the full faith and credit of the U.S. ("Treasury obligations") excluding securities which have been stripped of their coupon No Limit; Obligations guaranteed by the full faith and credit of agencies or instrumentalities of the U.S. government ("Agency obligations"), including, but not limited to FNMA, FFCB, FHLB, FHLMC. "A" rating category or better by a NRSRO; 30% maximum; 5% per issuer; Obligations of the Town, State of California, and any local agency within the State of California; any of the other 49 states, in addition to California, including bonds payable solely out of the revenues from a revenue-producing property owned, controlled, or operated by a state or by a department, board, agency, or authority of any of the other 49 states, in addition to California. "AA" rated category or higher by a NRSRO; 30% maximum; 5% max per issuer; U.S. dollar denominated senior unsecured unsubordinated obligations issued or unconditionally guaranteed by the International Bank for Reconstruction and Development ("IBRD"), the International Finance Corporation ("IFC") orthe Inter - American Development Bank ("IADB") Comment Complies Complies Complies Complies Banker's Acceptances "A-1" short-term rated or higher by a NRSRO; and "A" long-term rated category or higher by a NRSRO; 40% maximum; 5% max per issuer; 180 days max maturity Complies "A-1" short-term rated or higher by a NRSRO; and "A" long-term rated category or higher by a NRSRO, if any; 25% maximum; 5% max per issuer; 270 days max Commercial Paper Complies maturity; Issued by corporations organized and operating within the U.S. and having total assets in excess of $500 million Negotiable CDs "A-1" short-term rated or higher by a NRSRO; and "A" long-term rated category or higher by a NRSRO; 30% maximum; 5% max per issuer; 2 years max maturity Complies Corporate Medium Term Notes "A" rated category or higher by a NRSRO; 30% maximum (Town Council Directive as of 7/21/16: 20% maximum. Of the 20% total permitted, up to 10% rated Complies "A", and the balance rated "AA" or better); 5% max per issuer Mortgage Pass -Through Securities 15% maximum; 5% per issuer; Issued by Agencies of the U.S. government only Complies Collateralized Mortgage Obligation (CMOs) AAA rated by a NRSRO; 15% maximum (combination of ABS and CMOs); 5%"max per issuer Complies and Asset Backed Securities (ABS) Bank/Time Deposits FDIC insured/ Collateralized Complies Money Market Mutual Funds and Mutual Highest rating or "AAA" rated by two NRSROs; SEC registered adviser with AUM >$500 million and experience greater than 5 years; 10% max per one Mutual Complies Funds Fund; 20% maximum in Money Market Mutual Funds; 20% maximum combined of total portfolio in these securities. Repurchase Agreements 15% maximum; 102% collateralized; 30 days max maturity; Not used by Investment Adviser Complies 30% maximum or $10 million, whichever is higher; The amount invested in LAIF should be based upon the Town's cash flow needs and the difference in yield paid Local Agency Investment Fund (LAIF) Complies upon funds invested in LAIF compared to other investment options authorized by the policy. Inverse floaters, Range notes, Mortgage -derived, Interest -only strips; Zero interest accrual securities; Purchasing/Selling securities on Margin; Reverse Prohibited Complies Repurchase Agreements; Securities lending; Foreign currency denominated securities Max Per Issuer 5% max per issuer (except LAIF, Treasuries, Agencies, Money Market Mutual Funds, LAIF); or unless otherwise stated in the investment policy Complies Maximum maturity 5 years Complies 16 QJ Portfolio Characteristics As of June 30, 2020 Danville Short Term Treasury Pool Average Maturity (yrs) 1.86 1.91 1.89 Average Modified Duration 1.82 1.80 1.76 Average Purchase Yield n/a 1.93% 2.08% Average Market Yield 0.17% 0.29% 0.66% Average Quality" AAA AA+/Aa1 AA+/Aa1 Total Market Value 71,586,117 71,001,742 *ICE BAML 1-3 Yr US Treasury Index **Benchmark is a blended rating of S&P, Moody's, and Fitch. Portfolio is S&P and Moody's respectively. 17 C1J'" I Sector Distribution USTreasim/ 29.1°/ Supranational 5.1% Money Market Fund FI 0.9% LAIF 0.1% June 30, 2020 Corporate 16.5% Danville Short Term Treasury Pool March 31, 2020 Agency 44.7% US TreaSL 31.4% Supranational 6.9% Money Market Fund FI 0.2% LAI F 0.1% Corporate 16.2% As of June 30, 2020 Agency 39.5% 18 QJ Commercial ABS Paper ABS 3.5% 2.0% 3.7% Agency 44.7% US TreaSL 31.4% Supranational 6.9% Money Market Fund FI 0.2% LAI F 0.1% Corporate 16.2% As of June 30, 2020 Agency 39.5% 18 QJ Issuers Danville Short Term Treasury Pool — Account #21 As of June 30, 2020 Government of United States US Treasury 29.14% Federal Home Loan Bank Agency 19.47% Federal National Mortgage Association Agency 12.50% Federal Farm Credit Bank Agency 9.06% Federal Home Loan Mortgage Corp Agency 3.68% Apple Inc Corporate 2.18% Intl Bank Recon and Development Supranational 2.11% Honda ABS ABS 1.76% Inter -American Dev Bank Supranational 1.58% Toyota Motor Corp Corporate 1.49% Berkshire Hathaway Corporate 1.47% Honda Motor Corporation Corporate 1.47% BlackRock Inc/New York Corporate 1.45% Oracle Corp Corporate 1.45% International Finance Corp Supranational 1.43% PNC Financial Services Group Corporate 1.29% Wal-Mart Stores Corporate 1.22% State Street Bank Corporate 1.13% Bank of New York Corporate 1.13% US Bancorp Corporate 1.12% Wells Fargo Adv Tsy Plus Money Market Fund Money Market Fund FI 0.94% John Deere ABS ABS 0.91% Nissan ABS ABS 0.82% Paccar Financial Corporate 0.72% ChevronTexaco Corp Corporate 0.37% Local Agency Investment Fund LAIF 0.11% TOTAL 100.00% 19 Qt� I Duration Distribution Danville Short Term Treasury Pool June 30, 2020 vs. March 31, 2020 45.0% 40.0% 35.0% 30.0% 25.0% 20.0% 15.0% 10.0% 5.0% 0.0% 0-0.25 0.25-0.50 0.50-1 1-2 2-3 3-4 4-5 5+ NJ u ne 30, 2020 March 31, 2020 i 06/30/20 10.2% 6.8% 9.4% 26.6% 38.5% 8.5% 0.0% 0.0% 03/31/20 10.1% 9.9% 12.3% 23.9% 30.8% 12.9% 0.0% 0.0% As of June 30, 2020 IHistorical Average Purchase Yield Danville Short Term Treasury Pool Purchase Yield as of 6/30/2020 = 1.93% 2.2 2.0 IIS 1.4 1.2 1.0 4,r 27a ✓�j `Spa 2pL ✓0 41- 41- ✓4/ .5�� /jipG 1?0 19 19 1?0 1 19 1O -O 1`01 day gyp, As of June 30, 2020 21 CIJ'" IGrowth over Time As of June 30, 2020 Growth of $1 Million $3,000,000 $2,500,000 $2,000,000 $1,500,000 Danville Total Return -Danville Realized Return LAI IF $1,000,000 -&-- i i i i i i i i Ir Historical Return of $1 Million Invested on March 31, 1995 As of 06/30/2020 Dollar Value Return Danville Total Return $2,542,614 3.76% Danville Realized Return $2,433,209 3.58% LAIF $1,978,003 2.74% Investment Performance 4.50% 4.00% 3.50% 3.00% 2.50% 2.00% 1.50% 1.00% 0.50% 0.00% As of June 30, 2020 Danville Short Term Treasury Pool Total and Realized Rate of Return Annualized Since Inception 03/31/1995 12 months 2 years 3 years ■ Danville Short Term Treasury Pool TOTAL RATE OF RETURN Danville Short Term Treasury Pool ICE BAML 1-3 Yr US Treasury Index REALIZED RATE OF RETURN Danville Short Term Treasury Pool 5 years 10 years Since Inception ICE BAML 1-3 Yr US Treasury Index Annualized 0.50% 2.10% 1.98% 1.81% 1.55% 1.52% 3.58% Total rate of return: A measure of a portfolio's performance over time. It is the internal rate of return, which equates the beginning value of the portfolio with the ending market value; it includes interest earnings, realized and unrealized gains and losses in the portfolio. Realized rate of return: A measure of a portfolio's return over time. It is the internal rate which equates the beginning book value of the portfolio with the ending book value; it includes interest earnings, realized gains and losses in the portfolio. 23 Q `" Since 3 months 12 months 2 years 3 years 5 years 10 years Inception 0.82% 4.12% 4.06% 2.82% 2.04% 1.52% 3.76% 0.13% 4.06% 4.01% 2.69% 1.84% 1.33% 3.51% 0.50% 2.10% 1.98% 1.81% 1.55% 1.52% 3.58% Total rate of return: A measure of a portfolio's performance over time. It is the internal rate of return, which equates the beginning value of the portfolio with the ending market value; it includes interest earnings, realized and unrealized gains and losses in the portfolio. Realized rate of return: A measure of a portfolio's return over time. It is the internal rate which equates the beginning book value of the portfolio with the ending book value; it includes interest earnings, realized gains and losses in the portfolio. 23 Q `" Portfolio Characteristics As of June 30, 2020 Danville NERIAD Improvement Fund (89-1 90A) Average Maturity (yrs) 0.16 0.43 0.33 Average Modified Duration 0.16 0.43 0.32 Average Purchase Yield n/a 1.02% 1.50% Average Market Yield 0.14% 0.19% 0.12% Average Quality" AAA AA+/Aaa AAA/Aaa Total Market Value 864,415 864,032 *ICE BAML 3 -Month US Treasury Bill Index **Benchmark is a blended rating of S&P, Moody's, and Fitch. Portfolio is S&P and Moody's respectively. 24 Q ", I Issuers Danville NERIAD Improvement Fund (89-1 90A) — Account #24 Government of United States Federal Farm Credit Bank Wells Fargo Adv Tsy Plus Money Market Fund TOTAL US Treasury Agency Money Market Fund FI As of June 30, 2020 79.93% 11.71% 8.35% 100.00% 25 Q `" til Section 3 Portfolio Holdings 26 Cjj1 Holdings Report Danville Short Term Treasury Pool - Account #21 As of June 30, 2020 ABS 43814UAG4 Honda Auto Receivables Trust 2018-2 A3 206,087.80 05/22/2018 206,083.31 101.39 208,954.68 0.29% NR /AAA 1.88 3.010% Due 05/18/2022 3.03% 206,085.67 0.41% 224.01 2,869.01 AAA 0.53 43815HAC1 Honda Auto Receivables Trust 2018-3 A3 493,320.34 08/21/2018 493,252.66 101.75 501,971.18 0.70% Aaa / NR 2.15 2.950% Due 08/22/2022 2.98% 493,283.96 0.22% 404.25 8,687.22 AAA 0.64 43815NAC8 Honda Auto Receivables Trust 2019-3 A3 535,000.00 08/20/2019 534,995.56 102.06 545,997.46 0.76% Aaa / AAA 3.13 1.780% Due 08/15/2023 1.79% 534,996.79 0.55% 423.24 11,000.67 NR 1.64 477870AC3 John Deere Owner Trust 2019-B A3 275,000.00 07/16/2019 274,941.62 101.81 279,988.78 0.39% Aaa / NR 3.46 2.210% Due 12/15/2023 2.23% 274,954.10 0.88% 270.11 5,034.68 AAA 1.35 65479JAD5 Nissan Auto Receivables Owner 2019-C A3 570,000.00 10/16/2019 569,969.90 102.78 585,856.26 0.82% Aaa /AAA 4.04 1.930% Due 07/15/2024 1.94% 569,974.29 0.48% 488.93 15,881.97 NR 1.89 47789KAC7 John Deere Owner Trust 2020-A A3 370,000.00 03/04/2020 369,977.39 100.85 373,132.05 0.52% Aaa / NR 4.13 1.100% Due 08/15/2024 1.11% 369,978.96 0.74% 180.89 3,153.09 AAA 2.32 2,449,220.44 2,495,900.41 3.49% Aaa / AAA 3.23 TOTAL ABS 2,449,408.14 2.11% 2,449,273.77 0.52% 1,991.43 46,626.64 Aaa 1.47 Agency 313OA5Z77 FHLB Note 1,500,000.00 10/23/2015 1,521,315.00 100.13 1,501,921.50 2.11% Aaa / AA+ 0.08 1.830% Due 07/29/2020 1.52% 1,500,343.39 0.24% 11,590.00 1,578.11 AAA 0.08 3133EHW58 FFCB Note 350,000.00 11/21/2017 349,279.00 100.71 352,494.10 0.49% Aaa / AA+ 0.41 1.900% Due 11/27/2020 1.97% 349,901.98 0.15% 628.06 2,592.12 AAA 0.41 313OA3UQ5 FHLB Note 1,500,000.00 01/27/2016 1,520,355.00 100.77 1,511,533.50 2.11% Aaa / AA+ 0.45 1.875% Due 12/11/2020 1.58% 1,501,869.22 0.15% 1,562.50 9,664.28 NR 0.45 3133EJT74 FFCB Note 1,600,000.00 12/11/2018 1,607,984.00 103.91 1,662,539.20 2.33% Aaa /AA+ 1.38 3.050% Due 11/15/2021 2.87% 1,603,749.27 0.20% 6,235.56 58,789.93 AAA 1.35 3130AAB49 FHLB Note 1,000,000.00 12/15/2017 989,100.00 102.34 1,023,379.00 1.43% Aaa /AA+ 1.45 1.875% Due 12/10/2021 2.16% 996,046.59 0.25% 1,093.75 27,332.41 AAA 1.43 3135GOS38 FNMA Note 1,400,000.00 09/27/2017 1,405,418.00 102.74 1,438,364.20 2.03% Aaa / AA+ 1.52 2.000% Due 01/05/2022 1.90% 1,401,921.84 0.19% 13,688.89 36,442.36 AAA 1.48 3135GOU92 FNMA Note 1,000,000.00 02/13/2019 1,001,160.00 103.70 1,037,035.00 1.47% Aaa / AA+ 1.53 2.625% Due 01/11/2022 2.58% 1,000,610.58 0.20% 12,395.83 36,424.42 AAA 1.49 3133ELYR9 FFCB Note 1,420,000.00 04/30/2020 1,418,196.60 100.02 1,420,322.34 1.98% Aaa / AA+ 1.85 0.250% Due 05/06/2022 0.31% 1,418,334.94 0.24% 542.36 1,987.40 AAA 1.84 3130AEBM1 FHLB Note 1,475,000.00 Various 1,470,268.25 104.79 1,545,627.43 2.16% Aaa /AA+ 1.95 2.750% Due 06/10/2022 2.84% 1,472,662.46 0.28% 2,366.15 72,964.97 NR 1.90 27 Q. `" IHoldings Report As of June 30, 2020 Danville Short Term Treasury Pool - Account #21 3135GOW33 FNMA Note 1,525,000.00 Various 1,517,278.00 102.48 1,562,879.48 2.19% Aaa / AA+ 2.19 100.28 1.375% Due 09/06/2022 1.13% 1.55% 1,519,319.07 0.23% 6,698.35 43,560.41 AAA 2.15 313383WD9 FHLB Note 1,000,000.00 11/05/2018 1,000,830.00 106.28 1,062,761.00 1.50% Aaa / AA+ 2.19 903,867.51 3.125% Due 09/09/2022 3,369.53 3.10% 1,000,473.27 0.25% 9,722.22 62,287.73 AAA 2.12 3133EKY91 FFCB Note 1,500,000.00 10/15/2019 1,488,585.00 102.50 1,537,551.00 2.15% Aaa / AA+ 2.28 1.375% Due 10/11/2022 1.64% 1,491,294.89 0.27% 4,583.33 46,256.11 AAA 2.24 313OA3KM5 FHLB Note 1,250,000.00 08/27/2018 1,235,000.00 105.26 1,315,796.25 1.84% Aaa / AA+ 2.44 2.500% Due 12/09/2022 2.80% 1,241,454.60 0.33% 1,909.72 74,341.65 NR 2.38 3130AFE78 FHLB Note 1,700,000.00 12/20/2018 1,714,756.00 106.59 1,812,096.30 2.54% Aaa / AA+ 2.44 3.000% Due 12/09/2022 2.77% 1,709,073.57 0.29% 3,116.67 103,022.73 AAA 2.37 3135GOT94 FNMA Note 1,500,000.00 03/18/2019 1,495,455.00 105.64 1,584,637.50 2.24% Aaa / AA+ 2.56 2.375% Due 01/19/2023 2.46% 1,496,978.64 0.16% 16,031.25 87,658.86 AAA 2.47 3130ADRG9 FHLB Note 900,000.00 03/28/2019 917,136.00 106.25 956,291.40 1.35% Aaa / AA+ 2.69 2.750% Due 03/10/2023 2.24% 911,669.59 0.41% 7,631.25 44,621.81 NR 2.59 3137EAER6 FHLMC Note 1,330,000.00 05/05/2020 1,329,441.40 100.26 1,333,455.34 1.86% Aaa / AA+ 2.85 0.375% Due 05/05/2023 0.39% 1,329,469.51 0.28% 748.13 3,985.83 AAA 2.83 3135GO4Q3 FNMA Note 1,425,000.00 05/20/2020 1,420,710.75 99.90 1,423,503.75 1.99% NR / AA+ 2.89 0.250% Due 05/22/2023 0.35% 1,420,867.43 0.29% 385.94 2,636.32 AAA 2.88 3133ELG81 FFCB Note 1,500,000.00 06/02/2020 1,498,875.00 100.03 1,500,417.00 2.10% Aaa / AA+ 2.94 0.300% Due 06/08/2023 0.33% 1,498,898.63 0.29% 287.50 1,518.37 AAA 2.92 313383463 FHLB Note 1,500,000.00 06/10/2019 1,507,305.00 105.38 1,580,655.00 2.21% Aaa / AA+ 2.94 2.125% Due 06/09/2023 2.00% 1,505,372.35 0.29% 1,947.92 75,282.65 NR 2.86 3137EAES4 FHLMC Note 1,305,000.00 06/24/2020 1,301,189.40 99.84 1,302,969.42 1.82% Aaa / AA+ 2.99 0.250% Due 06/26/2023 0.35% 1,301,206.80 0.30% 45.31 1,762.62 AAA 2.97 3135GOV34 FNMA Note 1,700,000.00 03/24/2020 1,808,052.00 107.85 1,833,531.60 2.59% Aaa / AA+ 3.60 2.500% Due 02/05/2024 0.82% 1,800,552.64 0.30% 17,236.11 32,978.96 AAA 3.43 313OA7PH2 FHLB Note 1,500,000.00 03/03/2020 1,560,525.00 105.43 1,581,487.50 2.22% Aaa / AA+ 3.69 1.875% Due 03/08/2024 0.85% 1,555,608.63 0.39% 8,828.13 25,878.87 NR 3.56 31,078,214.40 31,881,248.81 44.72% Aaa / AA+ 2.23 TOTAL Agency 30,880,000.00 1.68% 31,027,679.89 0.26% 129,274.93 853,568.92 Aaa 2.17 Corporate 857477AS2 State Street Bank Note 800,000.00 05/22/2017 816,280.00 100.28 802,272.80 1.13% Al / A 0.13 2.550% Due 08/18/2020 1.90% 800,661.68 0.41% 7,536.67 1,611.12 AA- 0.13 69353REW4 PNC Bank Callable Note Cont 3/30/2021 910,000.00 04/03/2018 887,257.00 101.31 921,924.64 1.29% A2 / A 0.83 2.150% Due 04/29/2021 3.01% 903,867.51 0.40% 3,369.53 18,057.13 A+ 0.74 28 Q ", I Holdings Report Danville Short Term Treasury Pool - Account #21 As of June 30, 2020 09247XAH4 Blackrock Inc Note 1,000,000.00 04/27/2018 1,035,570.00 103.35 1,033,450.00 1.45% Aa3 /AA- 0.90 1.15% 75,270.35 4.250% Due 05/24/2021 0.00 3.03% 1,010,385.17 0.52% 4,368.06 23,064.83 NR 0.89 037833CC2 Apple Inc Callable Note Cont 7/4/2021 750,000.00 11/21/2017 729,450.00 101.47 761,012.25 1.07% Aa1 / AA+ 1.10 1.550% Due 08/04/2021 2.33% 743,921.83 0.10% 4,746.88 17,090.42 NR 1.00 084664BT7 Berkshire Hathaway Note 1,000,000.00 03/16/2018 1,000,670.00 104.89 1,048,932.00 1.47% Aa2/AA 1.87 3.000% Due 05/15/2022 2.98% 1,000,301.65 0.38% 3,833.33 48,630.35 A+ 1.83 68389XBBO Oracle Corp Callable Note Cont 3/15/2022 1,000,000.00 10/09/2019 1,016,200.00 103.40 1,033,979.00 1.45% A3 / A 1.87 2.S00% Due 05/15/2022 1.86% 1,011,683.84 0.50% 3,194.44 22,295.16 A- 1.67 69371RQ33 Paccar Financial Corp Note 500,000.00 09/23/2019 499,390.00 103.15 515,771.00 0.72% Al / A+ 2.24 2.000% Due 09/26/2022 2.04% 499,545.28 0.58% 2,638.89 16,225.72 NR 2.18 166764AB6 Chevron Corp Callable Note Cont 9/5/2022 255,000.00 06/19/2019 255,606.90 104.10 265,462.65 0.37% Aa2 / AA 2.43 2.355% Due 12/05/2022 2.28% 255,426.22 0.46% 433.71 10,036.43 NR 2.13 89236TEL5 Toyota Motor Credit Corp Note 1,000,000.00 01/25/2019 980,920.00 105.05 1,050,499.00 1.49% Al / A+ 2.53 2.700% Due 01/11/2023 3.22% 987,782.45 0.68% 12,750.00 62,716.55 A+ 2.43 90331HNL3 US Bank NA Callable Note Cont 12/23/22 750,000.00 04/29/2019 752,190.00 105.59 791,944.50 1.12% Al / AA- 2.57 2.850% Due 01/23/2023 2.77% 751,502.82 0.58% 9,381.25 40,441.68 AA- 2.38 06406RAE7 Bank of NY Mellon Corp Callable Note Cont 12/29/2022 750,000.00 07/25/2019 764,625.00 106.32 797,436.00 1.13% Al / A 2.58 2.950% Due 01/29/2023 2.37% 760,763.09 0.40% 9,341.67 36,672.91 AA- 2.40 037833AK6 Apple Inc Note 750,000.00 05/29/2019 746,205.00 105.71 792,802.50 1.11% Aa1/AA+ 2.84 2.400% Due 05/03/2023 2.54% 747,256.37 0.38% 2,900.00 45,546.13 NR 2.75 931142EK5 Wal-Mart Stores Callable Note Cont 5/26/2023 800,000.00 03/27/2019 827,616.00 108.94 871,493.60 1.22% Aa2 / AA 2.99 3.400% Due 06/26/2023 2.54% 819,420.28 0.31% 377.78 52,073.32 AA 2.79 02665WCT6 American Honda Finance Note 950,000.00 08/19/2019 1,008,634.00 108.93 1,034,827.40 1.47% A3/A- 3.54 3.550% Due 01/12/2024 2.07% 997,126.39 0.97% 15,832.01 37,701.01 NR 3.29 11,320,613.90 11,721,807.34 16.49% Al / A+ 2.02 TOTAL Corporate 11,215,000.00 2.54% 11,289,644.58 0.49% 80,704.22 432,162.76 A+ 1.89 LAI F 90 LAI F$00 Local Agency Investment Fund State Pool 75,270.35 Various 75,270.35 1.00 75,270.35 0.11% NR/NR 0.00 1.15% 75,270.35 1.15% 298.96 0.00 NR 0.00 75,270.35 75,270.35 0.11% NR/NR 0.00 TOTAL LAIF 75,270.35 1.15% 75,270.35 1.15% 298.96 0.00 NR 0.00 29 Q ", I IHoldings Report As of June 30, 2020 Danville Short Term Treasury Pool - Account #21 Money Market Fund FI 94975H296 Wells Fargo Treasury Plus MMFD 453 671,474.29 Various 671,474.29 1.00 671,474.29 0.94% Aaa /AAA 0.00 0.05% 671,474.29 0.05% 0.00 0.00 NIR 0.00 671,474.29 671,474.29 0.94% Aaa / AAA 0.00 TOTAL Money Market Fund FI 671,474.29 0.05% 671,474.29 0.05% 0.00 0.00 NR 0.00 Supranational 459058GA5 Intl. Bank Recon & Development Note 1,500,000.00 08/22/2017 1,499,685.00 100.23 1,503,519.00 2.11% Aaa /AAA 0.18 1.625% Due 09/04/2020 912828XM7 1.63% 1,499,981.42 0.30% 7,921.88 3,537.58 AAA 0.18 45950KCMO International Finance Corp Note 1,000,000.00 Various 997,047.20 101.09 1,010,850.00 1.43% Aaa / AAA 0.57 2.250% Due 01/25/2021 AAA 2.35% 999,439.29 0.34% 9,750.00 11,410.71 NR 0.56 4581XOCN6 Inter -American Dev Bank Note 1,100,000.00 09/13/2018 1,054,218.00 102.59 1,128,516.40 1.58% Aaa / AAA 1.79 1.750% Due 04/14/2022 5,514.95 2.99% 1,077,126.54 0.30% 4,117.36 51,389.86 AAA 1.76 496,095.43 100.30 501,484.00 3,550,950.20 Aaa / AA+ 3,642,885.40 5.12% Aaa / AAA 0.79 TOTAL Supranational 3,600,000.00 2.25% 3,576,547.25 0.31% 21,789.24 66,338.15 Aaa 0.77 US Treasury 912828XM7 US Treasury Note 1,500,000.00 10/19/2015 1,520,922.99 100.12 1,501,797.00 2.11% Aaa / AA+ 0.08 1.625% Due 07/31/2020 1.32% 1,500,359.50 0.22% 10,178.57 1,437.50 AAA 0.09 9128281-32 US Treasury Note 1,200,000.00 01/30/2017 1,188,238.40 100.20 1,202,374.80 1.69% Aaa / AA+ 0.17 1.375% Due 08/31/2020 1.66% 1,199,451.49 0.20% 5,514.95 2,923.31 AAA 0.17 9128281-65 US Treasury Note 500,000.00 04/25/2017 496,095.43 100.30 501,484.00 0.70% Aaa / AA+ 0.25 1.375% Due 09/30/2020 1.61% 499,716.43 0.19% 1,728.14 1,767.57 AAA 0.25 912828WCO US Treasury Note 1,300,000.00 12/22/2015 1,301,121.54 100.52 1,306,717.10 1.83% Aaa /AA+ 0.34 1.750% Due 10/31/2020 1.73% 1,300,077.13 0.20% 3,832.88 6,639.97 AAA 0.33 912828M98 US Treasury Note 1,200,000.00 02/27/2017 1,198,457.15 100.59 1,207,030.80 1.69% Aaa / AA+ 0.42 1.625% Due 11/30/2020 1.66% 1,199,828.95 0.22% 1,651.64 7,201.85 AAA 0.42 912828Q37 US Treasury Note 1,500,000.00 06/15/2017 1,478,501.12 100.80 1,512,070.50 2.12% Aaa /AA+ 0.75 1.250% Due 03/31/2021 1.64% 1,495,759.25 0.18% 4,713.11 16,311.25 AAA 0.75 912828Q78 US Treasury Note 1,500,000.00 06/08/2017 1,484,536.28 100.98 1,514,766.00 2.12% Aaa /AA+ 0.83 1.375% Due 04/30/2021 1.65% 1,496,702.67 0.19% 3,474.86 18,063.33 AAA 0.83 912828T34 US Treasury Note 1,250,000.00 01/10/2018 1,202,392.58 101.19 1,264,843.75 1.77% Aaa /AA+ 1.25 1.125% Due 09/30/2021 2.20% 1,234,002.22 0.17% 3,534.84 30,841.53 AAA 1.24 912828F96 US Treasury Note 1,500,000.00 08/29/2018 1,465,781.25 102.44 1,536,562.50 2.15% Aaa /AA+ 1.34 2.000% Due 10/31/2021 2.76% 1,485,596.78 0.17% 5,054.35 50,965.72 AAA 1.32 30 Q ", I Holdings Report Danville Short Term Treasury Pool - Account #21 As of June 30, 2020 912828W55 US Treasury Note 1,300,000.00 02/08/2018 1,269,226.56 102.82 1,336,663.90 1.88% Aaa / AA+ 1.67 1.875% Due 02/28/2022 2.49% 1,287,378.73 0.18% 8,147.08 49,285.17 AAA 1.64 912828W89 US Treasury Note 1,250,000.00 10/24/2017 1,244,580.08 102.96 1,287,060.00 1.81% Aaa / AA+ 1.75 1.875% Due 03/31/2022 1.98% 1,247,862.85 0.18% 5,891.39 39,197.15 AAA 1.72 912828L24 US Treasury Note 900,000.00 10/04/2018 862,488.28 103.68 933,152.40 1.31% Aaa /AA+ 2.17 1.875% Due 08/31/2022 3.01% 879,192.31 0.17% 5,640.29 53,960.09 AAA 2.12 912828M80 US Treasury Note 950,000.00 04/29/2019 940,759.77 104.40 991,821.85 1.39% Aaa / AA+ 2.42 2.000% Due 11/30/2022 2.28% 943,778.72 0.17% 1,609.29 48,043.13 AAA 2.37 912828R28 US Treasury Note 1,500,000.00 06/19/2019 1,486,582.03 104.08 1,561,171.50 2.19% Aaa / AA+ 2.83 1.625% Due 04/30/2023 1.87% 1,490,169.67 0.18% 4,106.66 71,001.83 AAA 2.77 912828R69 US Treasury Note 1,500,000.00 04/11/2019 1,460,156.25 104.21 1,563,163.50 2.19% Aaa /AA+ 2.92 1.625% Due 05/31/2023 2.30% 1,471,868.78 0.18% 2,064.55 91,294.72 AAA 2.86 912828T91 US Treasury Note 1,500,000.00 09/13/2019 1,490,917.97 104.77 1,571,542.50 2.20% Aaa / AA+ 3.34 1.625% Due 10/31/2023 1.78% 1,492,660.80 0.19% 4,106.66 78,881.70 AAA 3.25 20,090,757.68 20,792,222.10 29.14% Aaa / AA+ 1.47 TOTAL US Treasury 20,350,000.00 1.99% 20,224,406.28 0.19% 71,249.26 567,815.82 Aaa 1.44 69,236,501.26 71,280,808.70 100.00% Aa1 / AA+ 1.91 TOTAL PORTFOLIO 69,241,152.78 1.94% 69,314,296.41 0.29% 305,308.04 1,966,512.29 Aaa 1.80 TOTAL MARKET VALUE PLUS ACCRUALS 71,586,116.74 31 CEJ`:::, IHoldings Report As of June 30, 2020 Danville NERIAD Improvement Fund (89-1 90A) - Account #24 Agency 3133EJPW3 FFCB Note 100,000.00 04/08/2020 101,432.00 101.17 101,170.20 11.71% Aaa / AA+ 0.48 2.700% Due 12/21/2020 0.65% 100,967.72 0.23% 75.00 202.48 AAA 0.47 101,432.00 101,170.20 11.71% Aaa / AA+ 0.48 TOTAL Agency 100,000.00 0.65% 100,967.72 0.23% 75.00 202.48 Aaa 0.47 Money Market Fund FI 94975H296 Wells Fargo Treasury Plus MMFD 453 72,218.33 Various 72,218.33 1.00 72,218.33 8.35% Aaa / AAA 0.00 0.05% 72,218.33 0.05% 0.00 0.00 NR 0.00 72,218.33 72,218.33 8.35% Aaa / AAA 0.00 TOTAL Money Market Fund FI 72,218.33 0.05% 72,218.33 0.05% 0.00 0.00 NR 0.00 US Treasury 9128282Q2 US Treasury Note 160,000.00 09/30/2019 159,537.50 100.16 160,260.80 18.64% Aaa /AA+ 0.13 1.500% Due 08/15/2020 1.83% 159,934.96 0.21% 903.30 325.84 AAA 0.13 912828M98 US Treasury Note 275,000.00 12/02/2019 274,806.64 100.59 276,611.22 32.04% Aaa / AA+ 0.42 1.625% Due 11/30/2020 1.70% 274,919.03 0.22% 378.50 1,692.19 AAA 0.42 912828Q37 US Treasury Note 250,000.00 06/03/2020 252,177.73 100.80 252,011.75 29.24% Aaa /AA+ 0.75 1.250% Due 03/31/2021 0.19% 251,981.73 0.18% 785.52 30.02 AAA 0.75 686,521.87 688,883.77 79.93% Aaa / AA+ 0.47 TOTAL US Treasury 685,000.00 1.18% 686,835.72 0.20% 2,067.32 2,048.05 Aaa 0.47 860,172.20 862,272.30 100.00% Aaa / AA+ 0.43 TOTAL PORTFOLIO 857,218.33 1.02% 860,021.77 0.19% 2,142.32 2,250.53 Aaa 0.43 TOTAL MARKET VALUE PLUS ACCRUALS 864,414.62 32 Q. `" ;:- Section 4 Transactions 33 Cjj: ITransaction Ledger March 31, 2020 through June 30, 2020 Danville Short Term Treasury Pool - Account #21 ACQUISITIONS 0.31% 1,418,196.60 0.00 1,418,196.60 0.00 Purchase 05/06/2020 3133ELYR9 1,420,000.00 1,329,441.40 FFCB Note 99.699 0.35% 1,420,710.75 0.00 1,420,710.75 0.25% Due: 05/06/2022 Purchase 05/07/2020 3137EAER6 1,330,000.00 1,498,875.00 FHLMC Note 99.708 0.35% 1,301,189.40 0.00 1,301,189.40 0.375% Due: 05/05/2023 Purchase 05/22/2020 3135GO4Q3 1,425,000.00 US Treasury Note FNMA Note 1,325,000.00 0.00 1,325,000.00 0.00 0.25% Due: 05/22/2023 Purchase 06/08/2020 3133ELG81 1,500,000.00 FFCB Note Maturity 05/12/2020 4581XOCX4 0.3% Due: 06/08/2023 Purchase 06/26/2020 3137EAES4 1,305,000.00 1,240,000.00 FHLMC Note 1.625% Due: 05/12/2020 0.25% Due: 06/26/2023 As of June 30, 2020 99.873 0.31% 1,418,196.60 0.00 1,418,196.60 0.00 99.958 0.39% 1,329,441.40 0.00 1,329,441.40 0.00 99.699 0.35% 1,420,710.75 0.00 1,420,710.75 0.00 99.925 0.33% 1,498,875.00 0.00 1,498,875.00 0.00 99.708 0.35% 1,301,189.40 0.00 1,301,189.40 0.00 Subtotal 6,980,000.00 6,968,413.15 0.00 6,968,413.15 0.00 TOTAL ACQUISITIONS 6,980,000.00 6,968,413.15 0.00 6,968,413.15 0.00 DISPOSITIONS Maturity 04/29/2020 62479LDV4 1,400,000.00 MUFG Bank Ltd Discount CP 99.585 1,394,185.33 5,814.67 1,400,000.00 0.00 1.68% Due: 04/29/2020 Maturity 04/30/2020 912828VA5 1,325,000.00 US Treasury Note 100.000 1,325,000.00 0.00 1,325,000.00 0.00 1.125% Due: 04/30/2020 Maturity 05/12/2020 4581XOCX4 1,240,000.00 Inter -American Dev Bank Note 100.000 1,240,000.00 0.00 1,240,000.00 0.00 1.625% Due: 05/12/2020 Maturity 05/28/2020 3130AECJ7 1,500,000.00 FHLB Note 100.000 1,500,000.00 0.00 1,500,000.00 0.00 2.625% Due: 05/28/2020 Maturity 06/22/2020 3135GOD75 1,500,000.00 FNMA Note 100.000 1,500,000.00 0.00 1,500,000.00 0.00 1.5% Due: 06/22/2020 Subtotal 6,965,000.00 6,959,185.33 5,814.67 6,965,000.00 0.00 TOTAL DISPOSITIONS 6,965,000.00 6,959,185.33 5,814.67 6,965,000.00 0.00 34 Q. `; ITransaction Ledger As of June 30, 2020 Danville NERIAD Improvement Fund (89-1 90A) - Account #24 March 31, 2020 through June 30, 2020 ACQUISITIONS Purchase 04/09/2020 3133EJPW3 100,000.00 FFCB Note 101.432 0.65% 101,432.00 810.00 102,242.00 0.00 2.7% Due: 12/21/2020 Purchase 06/04/2020 912828Q37 250,000.00 US Treasury Note 100.871 0.19% 252,177.73 554.99 252,732.72 0.00 1.25% Due: 03/31/2021 Subtotal 350,000.00 353,609.73 1,364.99 354,974.72 0.00 TOTAL ACQUISITIONS 350,000.00 353,609.73 1,364.99 354,974.72 0.00 DISPOSITIONS Maturity 05/15/2020 912828X96 200,000.00 US Treasury Note 100.000 200,000.00 0.00 200,000.00 0.00 1.5% Due: 05/15/2020 Maturity 06/12/2020 313312YA2 47,000.00 FFCB Discount Note 100.000 46,945.34 54.66 47,000.00 0.00 0.53% Due: 06/12/2020 Subtotal 247,000.00 246,945.34 54.66 247,000.00 0.00 TOTAL DISPOSITIONS 247,000.00 246,945.34 54.66 247,000.00 0.00 35 Q. `; IImportant Disclosures As of June 30, 2020 2020 Chandler Asset Management, Inc, An Independent Registered Investment Adviser. Information contained herein is confidential. Prices are provided by IDC, an independent pricing source. In the event IDC does not provide a price or if the price provided is not reflective of fair market value, Chandler will obtain pricing from an alternative approved third party pricing source in accordance with our written valuation policy and procedures. Our valuation procedures are also disclosed in Item 5 of our Form ADV Part 2A. Performance results are presented gross -of -advisory fees and represent the client's Total Return. The deduction of advisory fees lowers performance results. These results include the reinvestment of dividends and other earnings. Past performance may not be indicative of future results. Therefore, clients should not assume that future performance of any specific investment or investment strategy will be profitable or equal to past performance levels. All investment strategies have the potential for profit or loss. Economic factors, market conditions or changes in investment strategies, contributions or withdrawals may materially alter the performance and results of your portfolio. Index returns assume reinvestment of all distributions. Historical performance results for investment indexes generally do not reflect the deduction of transaction and/or custodial charges or the deduction of an investment management fee, the incurrence of which would have the effect of decreasing historical performance results. It is not possible to invest directly in an index. Source ice Data Indices, LLC ("ICE"), used with permission. ICE permits use of the ICE indices and related data on an "as is" basis; ICE, its affiliates and their respective third party suppliers disclaim any and all warranties and representations, express and/or implied, including any warranties of merchantability or fitness for a particular purpose or use, including the indices, index data and any data included in, related to, or derived therefrom. Neither ICE data, its affiliates or their respective third party providers guarantee the quality, adequacy, accuracy, timeliness or completeness of the indices or the index data or any component thereof, and the indices and index data and all components thereof are provided on an "as is" basis and licensee's use it at licensee's own risk. ICE data, its affiliates and their respective third party do not sponsor, endorse, or recommend chandler asset management, or any of its products or services. This report is provided for informational purposes only and should not be construed as a specific investment or legal advice. The information contained herein was obtained from sources believed to be reliable as of the date of publication, but may become outdated or superseded at any time without notice. Any opinions or views expressed are based on current market conditions and are subject to change. This report may contain forecasts and forward-looking statements which are inherently limited and should not be relied upon as indicator of future results. Past performance is not indicative of future results. This report is not intended to constitute an offer, solicitation, recommendation or advice regarding any securities or investment strategy and should not be regarded by recipients as a substitute for the exercise of their own judgment. Fixed income investments are subject to interest, credit and market risk. Interest rate risk: the value of fixed income investments will decline as interest rates rise. Credit risk: the possibility that the borrower may not be able to repay interest and principal. Low rated bonds generally have to pay higher interest rates to attract investors willing to take on greater risk. Market risk: the bond market in general could decline due to economic conditions, especially during periods of rising interest rates. Ratings information have been provided by Moody's, S&P and Fitch through data feeds we believe to be reliable as of the date of this statement, however we cannot guarantee its accuracy. Security level ratings for U.S. Agency issued mortgage-backed securities ("MBS") reflect the issuer rating because the securities themselves are not rated. The issuing U.S. Agency guarantees the full and timely payment of both principal and interest and carries a AA+/Aaa/AAA by S&P, Moody's and Fitch respectively. 36 Q. Benchmark Disclosures As of June 30, 2020 ICE BAML 1-3 Yr US Treasury Index The ICE BAML 1-3 Year US Treasury Index tracks the performance of US dollar denominated sovereign debt publicly issued by the US government in its domestic market. Qualifying securities must have at least one year remaining term to final maturity and less than three years remaining term to final maturity, a fixed coupon schedule and a minimum amount outstanding of $1 billion. Qualifying securities must have at least 18 months to final maturity at the time of issuance. (Index: G102. Please visit www.mlindex.mLcom for more information) ICE BAML 3 -Month US Treasury Bill Index The ICE BAML US 3 -Month Treasury Bill Index is comprised of a single issue purchased at the beginning of the month and held for a full month. At the end of the month that issue is sold and rolled into a newly selected issue. The issue selected at each month-end rebalancing is the outstanding Treasury Bill that matures closest to, but not beyond, three months from the rebalancing date. (Index: G001. Please visit www.mlindex.ml.com for more information) ICE BAML 1-3 Yr US Corp/Govt Rated AAA -A Index The ICE BAML 1-3 AAA -A Year US Corporate & Government Index tracks the performance of US dollar denominated investment grade debt publicly issued in the US domestic market, including US Treasury, US agency, foreign government, supranational and corporate securities. Qualifying securities must be rated AAA through A3 (based on an average of Moody's, S&P and Fitch). In addition, qualifying securities must have at least one year remaining term to final maturity and less than three years remaining term to final maturity, at least 18 months to final maturity at point of issuance, a fixed coupon schedule and a minimum amount outstanding of $1 billion for US Treasuries and $250 million for all other securities. (Index: GVPB. Please visit www.mlindex.ml.com for more information) 37 Q `" Supplement to Quarterly Investment Report Town Managed Cash Account LAW Funds Managed by the Town (Local Agency Investment Fund) MAY 2020 Total LAW Funds Managed by the Town $ 11,304,246 LAIF Funds Managed/Reported by Chandler Investments 75,270 Total LAW Funds $ 11,379,516 Average Maturity Average Yield Cost Town Funds 0 1.363% 9,645,567 Trust Fund 0 1.363% 1,004,306 Community Development Agency DS/Successor Agency 0 1.363% 220,464 NERIAD 0 1.363% 433,908 Total LAW Funds Managed by the Town $ 11,304,246 LAIF Funds Managed/Reported by Chandler Investments 75,270 Total LAW Funds $ 11,379,516