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HomeMy WebLinkAbout011221-07.1CHANDLER ASSET MANAGEMENT, INC. | 800.317.4747 | www.chandlerasset.com INVESTMENT REPORT Period Ending December 31, 2020 Town of Danville Supplement to Quarterly Investment Report Town Managed Cash Account Average Average Maturity Yield Cost Town Funds 0 0.576%4,984,345 Trust Fund 0 0.576%1,161,984 . Community Development Agency DS/Successor Agency 0 0.576%44,654 NERIAD 0 0.576%429,154 Total LAIF Funds Managed by the Town 6,620,137$ LAIF Funds Managed/Reported by Chandler Investments 75,270 Total LAIF Funds 6,695,407$ LAIF Funds Managed by the Town (Local Agency Investment Fund) NOVEMBER 2020 SECTION 1 Economic Update SECTION 2 Account Profile SECTION 3 Portfolio Holdings SECTION 4 Transactions Table of Contents As of December 31, 2020 1 SECTION |Section 1 |Economic Update 2 Economic Update ▪ ▪ ▪ Recent economic data suggests that the economy has lost momentum as virus cases have risen.We anticipated that economicdatawould soften during the wintermonths, and believe the near-term outlook remains challenging as the labor market remains under pressure and many regions have renewed business restrictions due to the virus. However, the passage of anew $900 billion COVID-19fiscal relief bill should help cushion the economy overthe next few months, and we believe the incoming Presidential administration will have a keen focus on getting the economy back on track.We also remain very optimistic about progress on vaccines. A limited number of vaccine doses have already been distributed, and we expect more widespread distribution in the second and third quarter of 2021.We believe the distribution of vaccines and therapeutics will help fuel the economic recovery later this year.We also expect the Fed’s highly accommodative monetary policy framework will continue to provide support for the financial markets. The Federal Open Market Committee (FOMC) kept monetary policy unchanged at their December meeting as expected, with the fed funds targetrate in arange of 0.0%to 0.25%. The Fed intends to remain highly accommodative until theirgoals of maximum employment and higher inflation are achieved. The Fed’s summary of economic projections continues to signal thatthe targetfed funds rate will remain unchanged through at least 2023,as policymakers do notexpect inflation to exceed 2.0% during that timeframe. Until the Fed has made substantial progress toward achieving their dual mandate of maximum employment and price stability, they have set a floor for monthly asset purchases of at least $80 billion per month of Treasuries and $40 billion per month of agency mortgage-backed securities. Notably, the Fed's outlook for GDP over the next few years was revised higher and the outlook for unemployment was revised lower compared with their previous forecasts in September, which suggests increased optimism. Nevertheless, the outlook remains uncertain and Fed Chair Powell indicated that the Fed would increase policy accommodation further if progress toward their dual mandate slows. In 2020,the yield on 2-year Treasuries was down 145 basis points to 0.12% and the yield on 10-year Treasuries was down about 100 basis points to 0.91%. The yield curve steepened modestly in December, likely due in part to favorable developments on the vaccine front.We believe the Treasury yield curve is poised to steepen modestly further in 2021 as the economy reopens, driven by an increase in longer-term rates as the front end of the curve is likely to remain anchored near 0.0%. 3 Source: US Department of Labor Source: US Department of Labor Employment The pace of job growth slowed in November,as U.S. nonfarm payrolls increased by just 245,000, following gains of 711,000 and 610,000 in Septemberand October, respectively.On acumulative basis, the labormarket has added about 12.3 million jobs since May, more than half the 22.2million lost in March and April. However, the labormarket is still along way from afull recovery as more than 10.7million people remain unemployed. Nevertheless, the unemployment rate declined to 6.7%in Novemberfrom 6.9%in Octoberand has improved significantly from the peak of 14.7%in April. Workers who classified themselves as employed but absent from work in November continued to understate the unemployment rate by about 0.4%. The U-6 underemployment rate, which includes those who are marginally attached to the labor force and employed parttime for economicreasons, remained high but eased slightly to 12.0%in Novemberfrom 12.1%in October. However, the labor participation rate declined to 61.5%in Novemberfrom 61.7%in October,as about 400,000 people dropped out of the workforce in November. On a year-to-date basis, the size of the civilian workforce is lower by about 4.1 million participants. -22,000 -18,000 -14,000 -10,000 -6,000 -2,000 2,000 6,000 10,000 MO M C h a n g e I n ( 0 0 0 ' s ) Nonfarm Payroll (000's) Non-farm Payroll (000's) 3 month average (000's) 0.0% 4.0% 8.0% 12.0% 16.0% 20.0% 24.0% 28.0% Unemployment Rate Underemployment Rate (U6) Unemployment Rate (U3) Ra t e ( % ) 4 Initial Claims for Unemployment 787 806 892 862 716 787 748 711 757 758 797 842 767 849 5,219 5,322 5,507 5,781 5,527 6,089 6,370 6,798 7,222 7,823 8,472 9,398 10,594 - 5,000 10,000 15,000 20,000 25,000 In t h o u s a n d s Initial Jobless Claims Continuing Claims Initial Claims For Unemployment September 25, 2020 -December 25, 2020 In the most recent week, the number of initial jobless claims decreased to 787,000 compared to 806,000 in the prior week. The level of continuing unemployment claims (where the data is lagged by one week) decreased to about 5.2 million from roughly 5.3 million in the prior week. Although jobless claims have declined from the early stage of the pandemic, they have remained well above the 2019 average of 1.7 million. Given the resurgence of the virus and renewed lockdown measures,we believe the labor market is likely to remain under pressure over the near term. Source: US Department of Labor 5 Source: US Department of Labor Source: US Department of Commerce Inflation The Consumer Price Index (CPI) was up 1.2% year-over-year in November, unchanged from October. Core CPI (CPI less food and energy) was up 1.6% year-over-year in November, also unchanged from October. The Personal Consumption Expenditures (PCE) index was up 1.1% year-over- year in November, versus up 1.2% year-over-year in October. Core PCE, which is the Fed's primary inflation gauge, was up 1.4% year-over-year in November, unchanged from October. Inflation remains below the Fed's target. 0.0% 0.5% 1.0% 1.5% 2.0% 2.5% 3.0% Personal Consumption Expenditures (PCE) PCE Price Deflator YOY % Change PCE Core Deflator YOY % Change YO Y ( % ) C h a n g e 0.0% 0.5% 1.0% 1.5% 2.0% 2.5% 3.0% Consumer Price Index (CPI) CPI YOY % Change Core CPI YOY % Change YO Y ( % ) C h a n g e 6 Consumer spending trends softened in November.On a year-over-year basis, retail sales were up 4.1%in November versus 5.5%in October. On amonth-over-month basis, retail sales declined 1.1%in November, with broad-based declines in many categories on a seasonally adjusted basis. Excluding vehicles and gas, retail sales fell 0.8% in November, following a 0.1% decline in October. Notably, retail sales makes up roughly one third of the personal consumption expenditures component of US gross domestic product (GDP), while services revenue comprises roughly two thirds. Spending on services has been hit particularly hard by the pandemic and lagged the pick-up in overall third quarter GDP. While retail sales remain higher on a year-over-year basis,we believe this has been partially boosted by the contraction in spending on services. The Consumer Confidence index declined to 88.6 in Decemberfrom 92.9 in November. The index is well below pre-pandemiclevels at the start of this year. Source: US Department of Commerce Source: The Conference Board -25.0% -20.0% -15.0% -10.0% -5.0% 0.0% 5.0% 10.0% Retail Sales YOY % Change YO Y ( % ) C h a n g e 80 90 100 110 120 130 140 150 In d e x L e v e l Consumer Confidence Consumer 7 Source: The Conference Board Source: Federal Reserve Bank of Chicago Economic Activity The Conference Board’s Leading Economic Index (LEI) rose 0.6%in November (following a 0.8% increase in October)but remained down 2.2% year-over-year. According to the Conference Board, a decelerating pace of improvement in the LEI in recent months suggests that economic growth has moderated heading into 2021.Furthermore, the Conference Board warns of potential downside risks to economic growth from a second wave of the virus and high unemployment. The Chicago Fed National Activity Index (CFNAI) declined to 0.27 in Novemberfrom 1.01 in October.On a3-month moving average basis, the CFNAI declined to 0.56 in Novemberfrom 0.85 in October. The index slipped on a one month and 3-month basis, but a positive index reading corresponds to above trend growth. -8.00 -6.00 -4.00 -2.00 0.00 2.00 4.00 6.00 Chicago Fed National Activity Index (CFNAI) 3 M o n t h A v e r a g e -8.0% -6.0% -4.0% -2.0% 0.0% 2.0% 4.0% 6.0% Leading Economic Indicators (LEI) MO M ( % ) C h a n g e 8 Source: US Department of Commerce Source: S&P Housing 0 200 400 600 800 1000 1200 1400 1600 1800 2000 MO M C h a n g e ( I n T h o u s a n d s o f U n i t s ) Housing Starts Multi Family Housing Starts Single Family Housing Starts 0.0% 1.0% 2.0% 3.0% 4.0% 5.0% 6.0% 7.0% 8.0% 9.0% 10.0% S&P/Case-Shiller 20 City Composite Home Price Index YO Y ( % ) C h a n g e Total housing starts increased 1.2%in November to an annual pace of 1,547,000. Single family starts inched up 0.4%to avery strong annualized rate of 1,186,000, while multi-family starts increased 4.0%to an annualized rate of 361,000.On a year-over-yearbasis, total housing starts were up 12.8%in November, driven by growth in single-family starts. Meanwhile, permits were up 6.2%on a month-over-month basis in November, to an annualized rate of 1,639,000(the strongest rate since 2006). According to the Case-Shiller 20-City home price index, home prices were up 7.9% year-over-year in October versus up 6.6% year-over-year in September. The housing market has been an area of strength during the pandemic. Very low mortgage rates, solid stock market performance, and a meaningful shift toward working from home are providing strong tailwinds for the housing sector. 9 Source: Institute for Supply Management Source: Federal Reserve Manufacturing The Institute for Supply Management (ISM) manufacturing index decreased to 57.5 in November from 59.3 in October. New orders eased to 65.1 in Novemberfrom 67.9 in October. Although the headline and new orders indices eased in November, readings above 50.0 are indicative of expansion in the manufacturing sector. The Industrial Production index was down 5.5% year-over-year in November, versus down 5.0%in October.On a month-over-month basis, the Industrial Production index increased 0.4%in November, following a 0.9% increase in October. Capacity Utilization increased to 73.3%in November from 73.0%in October,but remains well below the long-run average of 79.8%. Overall manufacturing conditions have improved since the deep contraction in activity earlier this year,but industrial production remains lower on a year-over-year basis. 40 42 44 46 48 50 52 54 56 58 60 62 Institute of Supply Management Purchasing Manager Index EXPANDING CONTRACTING -20.0% -16.0% -12.0% -8.0% -4.0% 0.0% 4.0% 8.0% Industrial Production YO Y ( % ) C h a n g e 10 Source: US Department of Commerce Source: US Department of Commerce 12/19 3/20 6/20 9/20 1.1% -4.8% -24.0% 25.4% -0.6% -1.6% -8.8% 12.0% 1.5% 1.1% 0.6% -3.2% 0.3% 0.1% 1.2% -0.4% 0.2% 0.1% -0.4% -0.4% 2.4% -5.0% -31.4% 33.4% Gross Private Domestic Investment Personal Consumption Expenditures Components of GDP Federal Government Expenditures State and Local (Consumption and Gross Investment) Net Exports and Imports Total -40.0% -30.0% -20.0% -10.0% 0.0% 10.0% 20.0% 30.0% 40.0% Gross Domestic Product (GDP) GDP QOQ % Change GDP YOY % Change Gross Domestic Product (GDP) According to the third estimate, real US gross domesticproduct (GDP) grew at an annualized rate of 33.4%in the third quarter(up slightly from the advance and second estimates), following a 31.4% annualized decline in the second quarter. Third quarter GDP growth was by far the largest annualized gain on record but followed the largest annualized decline in GDP on record in the second quarter. Personal consumption expenditures rebounded in the third quarter and was by far the biggest contributor to third quarter GDP growth. The consensus estimate for fourth quarter 2020 GDP growth is 4.6%. The consensus forecast for US gross domestic product growth in 2021 is 3.9%, following an expected 3.5% decline in 2020. 11 Federal Reserve 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. Earlierthis year, policymakers reinstated the Commercial Paper Funding Facility and Money Market Mutual Fund Liquidity Facility. The Fed also established the Primary Market Corporate Credit Facility, Secondary Market Corporate Credit Facility, TermAsset-Backed Securities Loan Facility, Paycheck Protection Program Liquidity Facility, Main Street Lending Facility, and Municipal Liquidity Facility. The Fed has also provided short-term funding through large-scale repo operations and lowered the reserve requirement for depository institutions. Notably, many of the Fed's lending facilities are set to expire at the end of this year, including the Fed’s corporate credit, asset-backed securities, municipal lending, and Main Street Lending programs. The Fed will return the unused funds currently earmarked for those facilities to the Treasury. 0.00% 0.50% 1.00% 1.50% 2.00% 2.50% 3.00% Effective Federal Funds Rate Yi e l d ( % ) 3,500,000 4,000,000 4,500,000 5,000,000 5,500,000 6,000,000 6,500,000 7,000,000 7,500,000 8,000,000 Federal Reserve Balance Sheet Assets In $ m i l l i o n s 12 Source: Bloomberg Source: Bloomberg 0.0% 0.5% 1.0% 1.5% 2.0% 2.5% 3.0% 3.5% US Treasury Note Yields 2-Year 5-Year 10-Year Y i e l d ( % ) 0.0% 0.5% 1.0% 1.5% 2.0% 2.5% 3.0% 3.5% US Treasury Yield Curve Dec-20 Sep-20 Dec-19 Y i e l d ( % ) Bond Yields Treasury yields were much lower on a year-over-year basis at 2020 year-end. The 3-month T-bill yield was down 149 basis points, the 2-year Treasury yield was down 145 basis points, and the 10-Year Treasury yield was down 100 basis points, year-over-year. Yields declined precipitously in March 2020,with the Fed cuttingrates by atotal of 150 basis points and a flight to safe-haven assets drivingdown yields across the curve. The Fed has signaled plans to keep the front end of the Treasury yield curve anchored near zero for at least the next few years. 13 Section 2|SECTION |Section 2 |Account Profile 14 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”). 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. 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. As of December 31, 2020 15 Compliance As of December 31, 2020 Category Standard Comment U.S. Treasuries No Limitation; 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 Complies Federal Agencies No Limitation; 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.Complies Supranational Obligations "AA" rating category or higher by a NRSRO; 30% max; 5% max per issuer; USD denominated senior unsecured unsubordinated obligations; Issued or unconditionally guaranteed by International Bank for Reconstruction (IBRD), International Finance Corporation (IFC), or Inter-American Development Bank (IADB); Complies Municipal Securities (CA, Local Agency)"A" rating category or better by a NRSRO; 30% max; 5% max per issuer; Include obligations of the Town, State of California, and any local agency within the State of California Complies Municipal Securities (CA, Other States) "A" rating category or better by a NRSRO; 30% max; 5% max per issuer; 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. Complies Corporate Medium Term Notes "A" rating category or higher by a NRSRO; 30% max (Town Council Directive as of 7/21/16: 20% maximum. Of the 20% total permitted, up to 10% rated "A", and the balance rated "AA" or better); 5% max per issuer Complies Agency Mortgage Pass-Through Securities 15% max; 5% max per issuer; Issued by Agencies of the U.S. government only Complies Collateralized Mortgage Obligation (CMOs) and Asset Backed Securities (ABS) AAA rated by a NRSRO; 15% max(combination of ABS and CMOs); 5% max per issuer Complies Negotiable Certificates of Deposit (NCD)"A-1" short-term rated or higher by a NRSRO; and "A" long-term rating category or higher by a NRSRO; 30% max; 5% max per issuer; 2 years max maturity Complies Bank/Time Deposits Funds on deposit in banks must be FDIC insured or collateralized in accordance with California Government Code Complies Banker’s Acceptances "A-1" short-term rated or higher by a NRSRO; and "A" long-term rating category or higher by a NRSRO; 40% max; 5% max per issuer; 180 days max maturity Complies Commercial Paper "A-1" short-term rated or higher by a NRSRO; and "A" long-term rating category or higher by a NRSRO, if any; 25% max; 5% max per issuer; 270 days max maturity; Issued by corporations organized and operating within the U.S. and having total assets in excess of $500 million Complies Money Market Mutual Funds Highest rating by two NRSROs; or SEC registered adviser with AUM >$500 million and experience greater than 5 years; 20% max in Money Market Mutual Funds; 20% max combined Money Market Mutual Funds and Mutual Funds Complies Mutual Funds Highest rating by two NRSROs; or SEC registered adviser with AUM >$500 million and experience greater than 5 years; 10% max per one Mutual Fund; 20% max combined Money Market Mutual Funds and Mutual Funds Complies Local Agency Investment Fund (LAIF)30% max 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 upon funds invested in LAIF compared to other investment options authorized by the policy.Complies Repurchase Agreements 15% max; 30 days max maturity; Market value of securities shall not be < 102% of the repurchase amount; Collateralized by Treasury or Agency obligations; Delivered to the Town's custody bank; Not used by Investment Adviser Complies Prohibited Inverse floaters, range notes, mortgage derived interest-only strips; zero interest accrual if held to maturity; Trading securities for the sole purpose of speculating on the future direction of interest rates; Purchasing or selling securities on margin; Reverse Repurchase Agreements; Securities lending; Foreign currency denominated securities Complies Max Per Issuer 5% max per issuer, with the exception of LAIF, Treasuries, Agencies, Money Market Mutual Funds; or unless otherwise stated in the investment policy Complies Maximum Maturity 5 years Complies Assets managed by Chandler Asset Management are in full compliance with state law and the Client’s investment policy. Town of Danville - All Accounts 16 Portfolio Characteristics Danville Short Term Treasury Pool 12/31/2020 9/30/2020 Benchmark*Portfolio Portfolio Average Maturity (yrs)1.87 1.88 1.94 Average Modified Duration 1.83 1.79 1.84 Average Purchase Yield n/a 1.68%1.78% Average Market Yield 0.13%0.18%0.22% Average Quality**AAA AA+/Aa1 AA+/Aa1 Total Market Value 71,828,103 71,722,240 *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. As of December 31, 2020 17 Danville Short Term Treasury Pool Sector Distribution ABS 3.0% Agency 56.3%Corporate 15.2% LAIF 0.1% Money Market Fund FI 1.0% Supranational 3.5% US Treasury 20.9% December 31, 2020 September 30, 2020 ABS 3.2% Agency 52.8% Corporate 15.3% LAIF 0.1% Money Market Fund FI 1.0% Supranational 3.0% US Treasury 24.6% As of December 31, 2020 18 Issue Name Investment Type % Portfolio Government of United States US Treasury 20.92% Federal National Mortgage Association Agency 16.51% Federal Home Loan Bank Agency 15.09% Federal Home Loan Mortgage Corp Agency 14.07% Federal Farm Credit Bank Agency 10.60% Apple Inc Corporate 2.16% Inter-American Dev Bank Supranational 1.57% Toyota Motor Corp Corporate 1.48% Honda Motor Corporation Corporate 1.46% Berkshire Hathaway Corporate 1.45% Oracle Corp Corporate 1.43% BlackRock Inc/New York Corporate 1.42% International Finance Corp Supranational 1.41% Honda ABS ABS 1.29% PNC Financial Services Group Corporate 1.28% Wal-Mart Stores Corporate 1.20% US Bancorp Corporate 1.11% Bank of New York Corporate 1.11% Wells Fargo Adv Tsy Plus Money Market Fund Money Market Fund FI 1.04% John Deere ABS ABS 0.91% Nissan ABS ABS 0.81% Paccar Financial Corporate 0.72% Intl Bank Recon and Development Supranational 0.49% ChevronTexaco Corp Corporate 0.37% Local Agency Investment Fund LAIF 0.10% TOTAL 100.00% Issuers Danville Short Term Treasury Pool –Account #21 As of December 31, 2020 19 0.0% 5.0% 10.0% 15.0% 20.0% 25.0% 30.0% 35.0% 40.0% 45.0% 0 - 0.25 0.25 - 0.50 0.50 - 1 1 - 2 2 - 3 3 - 4 4 - 5 5+ December 31, 2020 September 30, 2020 December 31, 2020 vs. September 30, 2020 0 -0.25 0.25 -0.50 0.50 - 1 1 - 2 2 - 3 3 - 4 4 - 5 5+ 12/31/20 5.9%4.1%11.1%37.6%39.1%2.2%0.0%0.0% 09/30/20 7.2%5.0%6.9%34.4%38.0%8.4%0.0%0.0% Danville Short Term Treasury Pool Duration Distribution As of December 31, 2020 20 Purchase Yield as of 12/31/2020 = 1.68% 1.0 1.2 1.4 1.6 1.8 2.0 2.2 Pe r c e n t ( % ) Historical Average Purchase Yield Danville Short Term Treasury Pool As of December 31, 2020 21 Growth of $1 Million Growth Over Time As of December 31, 2020 As of 12/31/2020 Dollar Value Return Danville Total Return $2,551,223 3.70% Danville Realized Return $2,455,065 3.55% LAIF $1,984,814 2.70% Historical Return of $1 Million Invested on March 31, 1995 22 Total and Realized Rate of Return Annualized Since Inception 03/31/1995 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. 0.00% 0.50% 1.00% 1.50% 2.00% 2.50% 3.00% 3.50% 4.00% 12 months 2 years 3 years 5 years 10 years Since Inception Danville Short Term Treasury Pool ICE BAML 1-3 Yr US Treasury Index Annualized TOTAL RATE OF RETURN 3 months 12 months 2 years 3 years 5 years 10 years Since Inception Danville Short Term Treasury Pool 0.15%3.18%3.47%2.88%2.11%1.48%3.70% ICE BAML 1-3 Yr US Treasury Index 0.05%3.10%3.33%2.74%1.90%1.30%3.45% REALIZED RATE OF RETURN Danville Short Term Treasury Pool 0.43%1.97%1.99%1.88%1.63%1.49%3.55% Investment Performance Danville Short Term Treasury Pool As of December 31, 2020 23 Portfolio Characteristics Danville NERIAD Improvement Fund (89-1 90A) 12/31/2020 9/30/2020 Benchmark*Portfolio Portfolio Average Maturity (yrs)0.16 0.59 0.43 Average Modified Duration 0.15 0.59 0.43 Average Purchase Yield n/a 0.13%0.70% Average Market Yield 0.07%0.13%0.12% Average Quality**AAA AAA/Aaa AAA/Aaa Total Market Value 865,149 864,966 *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. As of December 31, 2020 24 Issue Name Investment Type % Portfolio Government of United States US Treasury 98.63% Wells Fargo Adv Tsy Plus Money Market Fund Money Market Fund FI 1.37% TOTAL 100.00% Issuers Danville NERIAD Improvement Fund (89-1 90A) –Account #24 As of December 31, 2020 25 SECTION |Section 3 |Portfolio Holdings 26 Holdings Report Danville Short Term Treasury Pool -Account #21 CUSIP Security Description Par Value/Units Purchase Date Book Yield Cost Value Book Value Mkt Price Mkt YTM Market Value Accrued Int. % of Port. Gain/Loss Moody/S&P Fitch Maturity Duration ABS 43814UAG4 Honda Auto Receivables Trust 2018-2 A3 3.010% Due 05/18/2022 101,477.01 05/22/2018 3.03% 101,474.79 101,476.24 100.83 0.33% 102,323.02 110.30 0.14% 846.78 NR / AAA AAA 1.38 0.31 43815HAC1 Honda Auto Receivables Trust 2018-3 A3 2.950% Due 08/22/2022 277,548.02 08/21/2018 2.98% 277,509.94 277,532.37 101.18 0.17% 280,835.58 227.44 0.39% 3,303.21 Aaa / NR AAA 1.64 0.43 43815NAC8 Honda Auto Receivables Trust 2019-3 A3 1.780% Due 08/15/2023 535,000.00 08/20/2019 1.79% 534,995.56 534,997.52 101.63 0.30% 543,732.81 423.24 0.76% 8,735.29 Aaa / AAA NR 2.62 1.09 477870AC3 John Deere Owner Trust 2019-B A3 2.210% Due 12/15/2023 275,000.00 07/16/2019 2.23% 274,941.62 274,960.79 101.93 0.17% 280,307.50 270.11 0.39% 5,346.71 Aaa / NR AAA 2.96 0.94 65479JAD5 Nissan Auto Receivables Owner 2019-C A3 1.930% Due 07/15/2024 570,000.00 10/16/2019 1.94% 569,969.90 569,977.50 102.04 0.43% 581,625.15 488.93 0.81% 11,647.65 Aaa / AAA NR 3.54 1.35 47789KAC7 John Deere Owner Trust 2020-A A3 1.100% Due 08/15/2024 370,000.00 03/04/2020 1.11% 369,977.39 369,981.53 101.25 0.30% 374,642.02 180.89 0.52% 4,660.49 Aaa / NR AAA 3.62 1.56 TOTAL ABS 2,129,025.03 1.98% 2,128,869.20 2,128,925.95 0.30% 2,163,466.08 1,700.91 3.01% 34,540.13 Aaa / AAA Aaa 2.90 1.10 Agency 3133EJT74 FFCB Note 3.050% Due 11/15/2021 1,600,000.00 12/11/2018 2.87% 1,607,984.00 1,602,375.03 102.56 0.12% 1,640,918.40 6,235.56 2.29% 38,543.37 Aaa / AA+ AAA 0.87 0.86 3130AAB49 FHLB Note 1.875% Due 12/10/2021 1,000,000.00 12/15/2017 2.16% 989,100.00 997,426.91 101.65 0.12% 1,016,493.00 1,093.75 1.42% 19,066.09 Aaa / AA+ AAA 0.94 0.94 3135G0S38 FNMA Note 2.000% Due 01/05/2022 1,400,000.00 09/27/2017 1.90% 1,405,418.00 1,401,282.39 101.90 0.12% 1,426,642.00 13,688.89 2.01% 25,359.61 Aaa / AA+ AAA 1.01 1.00 3135G0U92 FNMA Note 2.625% Due 01/11/2022 1,000,000.00 02/13/2019 2.58% 1,001,160.00 1,000,409.60 102.56 0.13% 1,025,623.00 12,395.83 1.45% 25,213.40 Aaa / AA+ AAA 1.03 1.01 3133ELYR9 FFCB Note 0.250% Due 05/06/2022 1,420,000.00 04/30/2020 0.31% 1,418,196.60 1,418,789.50 100.19 0.11% 1,422,696.58 542.36 1.98% 3,907.08 Aaa / AA+ AAA 1.35 1.34 3130AEBM1 FHLB Note 2.750% Due 06/10/2022 1,475,000.00 Various 2.84% 1,470,268.25 1,473,269.10 103.78 0.12% 1,530,785.98 2,366.15 2.13% 57,516.88 Aaa / AA+ NR 1.44 1.42 3137EAET2 FHLMC Note 0.125% Due 07/25/2022 1,500,000.00 08/11/2020 0.19% 1,498,245.00 1,498,595.01 100.03 0.11% 1,500,406.50 822.92 2.09% 1,811.49 Aaa / AA+ AAA 1.56 1.56 3135G0W33 FNMA Note 1.375% Due 09/06/2022 1,525,000.00 Various 1.55% 1,517,278.00 1,520,630.60 102.13 0.11% 1,557,450.48 6,698.35 2.18% 36,819.88 Aaa / AA+ AAA 1.68 1.66 313383WD9 FHLB Note 3.125% Due 09/09/2022 1,000,000.00 11/05/2018 3.10% 1,000,830.00 1,000,364.42 105.03 0.14% 1,050,297.00 9,722.22 1.48% 49,932.58 Aaa / AA+ AAA 1.69 1.64 As of December 31, 2020 27 Holdings Report Danville Short Term Treasury Pool -Account #21 CUSIP Security Description Par Value/Units Purchase Date Book Yield Cost Value Book Value Mkt Price Mkt YTM Market Value Accrued Int. % of Port. Gain/Loss Moody/S&P Fitch Maturity Duration 3133EKY91 FFCB Note 1.375% Due 10/11/2022 1,500,000.00 10/15/2019 1.64% 1,488,585.00 1,493,220.05 102.17 0.15% 1,532,559.00 4,583.33 2.14% 39,338.95 Aaa / AA+ AAA 1.78 1.76 3130A3KM5 FHLB Note 2.500% Due 12/09/2022 1,250,000.00 08/27/2018 2.80% 1,235,000.00 1,243,219.31 104.54 0.15% 1,306,773.75 1,909.72 1.82% 63,554.44 Aaa / AA+ NR 1.94 1.90 3130AFE78 FHLB Note 3.000% Due 12/09/2022 1,700,000.00 12/20/2018 2.77% 1,714,756.00 1,707,199.79 105.60 0.11% 1,795,128.60 3,116.67 2.50% 87,928.81 Aaa / AA+ AAA 1.94 1.90 3135G0T94 FNMA Note 2.375% Due 01/19/2023 1,500,000.00 03/18/2019 2.46% 1,495,455.00 1,497,575.14 104.58 0.14% 1,568,701.50 16,031.25 2.21% 71,126.36 Aaa / AA+ AAA 2.05 1.99 3130ADRG9 FHLB Note 2.750% Due 03/10/2023 900,000.00 03/28/2019 2.24% 917,136.00 909,483.03 105.70 0.15% 951,255.00 7,631.25 1.33% 41,771.97 Aaa / AA+ NR 2.19 2.13 3137EAER6 FHLMC Note 0.375% Due 05/05/2023 1,330,000.00 05/05/2020 0.39% 1,329,441.40 1,329,563.55 100.51 0.16% 1,336,828.22 775.83 1.86% 7,264.67 Aaa / AA+ AAA 2.34 2.33 3135G04Q3 FNMA Note 0.250% Due 05/22/2023 1,425,000.00 05/20/2020 0.35% 1,420,710.75 1,421,588.19 100.24 0.15% 1,428,364.43 385.94 1.99% 6,776.24 Aaa / AA+ AAA 2.39 2.38 3133ELG81 FFCB Note 0.300% Due 06/08/2023 1,500,000.00 06/02/2020 0.33% 1,498,875.00 1,499,087.67 100.29 0.18% 1,504,390.50 287.50 2.09% 5,302.83 Aaa / AA+ AAA 2.44 2.43 3133834G3 FHLB Note 2.125% Due 06/09/2023 1,500,000.00 06/10/2019 2.00% 1,507,305.00 1,504,451.09 104.73 0.18% 1,570,977.00 1,947.92 2.19% 66,525.91 Aaa / AA+ NR 2.44 2.39 3137EAES4 FHLMC Note 0.250% Due 06/26/2023 1,305,000.00 06/24/2020 0.35% 1,301,189.40 1,301,847.12 100.22 0.16% 1,307,837.07 45.31 1.82% 5,989.95 Aaa / AA+ AAA 2.48 2.48 3135G05G4 FNMA Note 0.250% Due 07/10/2023 1,460,000.00 Various 0.28% 1,458,850.00 1,459,035.20 100.24 0.16% 1,463,486.48 1,733.75 2.04% 4,451.28 Aaa / AA+ AAA 2.52 2.51 3133EL3V4 FFCB Note 0.200% Due 08/14/2023 1,500,000.00 08/12/2020 0.27% 1,496,880.00 1,497,268.93 99.93 0.23% 1,498,921.50 1,141.67 2.09% 1,652.57 Aaa / AA+ AAA 2.62 2.61 3137EAEV7 FHLMC Note 0.250% Due 08/24/2023 1,500,000.00 09/28/2020 0.22% 1,501,095.00 1,500,997.80 100.20 0.18% 1,502,956.50 1,354.17 2.09% 1,958.70 Aaa / AA+ AAA 2.65 2.64 3137EAEW5 FHLMC Note 0.250% Due 09/08/2023 1,490,000.00 Various 0.26% 1,489,430.30 1,489,490.63 100.19 0.18% 1,492,895.07 1,210.63 2.08% 3,404.44 Aaa / AA+ AAA 2.69 2.67 3137EAEZ8 FHLMC Note 0.250% Due 11/06/2023 1,455,000.00 11/03/2020 0.28% 1,453,690.50 1,453,758.60 100.08 0.22% 1,456,230.93 565.83 2.03% 2,472.33 Aaa / AA+ AAA 2.85 2.83 3135G06H1 FNMA Note 0.250% Due 11/27/2023 1,500,000.00 11/24/2020 0.27% 1,499,160.00 1,499,184.62 100.09 0.22% 1,501,353.00 375.00 2.09% 2,168.38 Aaa / AA+ AAA 2.91 2.89 3137EAFA2 FHLMC Note 0.250% Due 12/04/2023 1,500,000.00 12/09/2020 0.26% 1,499,610.00 1,499,617.53 100.11 0.21% 1,501,599.00 281.25 2.09% 1,981.47 Aaa / AA+ AAA 2.93 2.91 3135G0V34 FNMA Note 2.500% Due 02/05/2024 1,700,000.00 03/24/2020 0.82% 1,808,052.00 1,786,472.21 107.11 0.20% 1,820,808.80 17,236.11 2.56% 34,336.59 Aaa / AA+ AAA 3.10 2.97 As of December 31, 2020 28 Holdings Report Danville Short Term Treasury Pool -Account #21 CUSIP Security Description Par Value/Units Purchase Date Book Yield Cost Value Book Value Mkt Price Mkt YTM Market Value Accrued Int. % of Port. Gain/Loss Moody/S&P Fitch Maturity Duration 3130A7PH2 FHLB Note 1.875% Due 03/08/2024 1,500,000.00 03/03/2020 0.85% 1,560,525.00 1,548,006.86 105.22 0.23% 1,578,280.50 8,828.13 2.21% 30,273.64 Aaa / AA+ NR 3.19 3.09 TOTAL Agency 39,435,000.00 1.26% 39,584,226.20 39,554,209.88 0.16% 40,290,659.79 123,007.29 56.26% 736,449.91 Aaa / AA+ Aaa 2.14 2.11 Corporate 69353REW4 PNC Bank Callable Note Cont 3/30/2021 2.150% Due 04/29/2021 910,000.00 04/03/2018 3.01% 887,257.00 907,603.86 100.47 0.25% 914,269.72 3,369.53 1.28% 6,665.86 A2 / A A+ 0.33 0.25 09247XAH4 Blackrock Inc Note 4.250% Due 05/24/2021 1,000,000.00 04/27/2018 3.03% 1,035,570.00 1,004,541.53 101.54 0.36% 1,015,431.00 4,368.06 1.42% 10,889.47 Aa3 / AA- NR 0.39 0.40 037833CC2 Apple Inc Callable Note Cont 7/4/2021 1.550% Due 08/04/2021 750,000.00 11/21/2017 2.33% 729,450.00 746,724.80 100.71 0.14% 755,352.00 4,746.88 1.06% 8,627.20 Aa1 / AA+ NR 0.59 0.51 084664BT7 Berkshire Hathaway Note 3.000% Due 05/15/2022 1,000,000.00 03/16/2018 2.98% 1,000,670.00 1,000,220.39 103.81 0.22% 1,038,136.00 3,833.33 1.45% 37,915.61 Aa2 / AA A+ 1.37 1.35 68389XBB0 Oracle Corp Callable Note Cont 3/15/2022 2.500% Due 05/15/2022 1,000,000.00 10/09/2019 1.86% 1,016,200.00 1,008,536.22 102.67 0.28% 1,026,736.00 3,194.44 1.43% 18,199.78 A3 / A A- 1.37 1.19 69371RQ33 Paccar Financial Corp Note 2.000% Due 09/26/2022 500,000.00 09/23/2019 2.04% 499,390.00 499,647.69 102.96 0.29% 514,798.50 2,638.89 0.72% 15,150.81 A1 / A+ NR 1.74 1.71 166764AB6 Chevron Corp Callable Note Cont 9/5/2022 2.355% Due 12/05/2022 255,000.00 06/19/2019 2.28% 255,606.90 255,337.81 103.56 0.23% 264,067.04 433.71 0.37% 8,729.23 Aa2 / AA NR 1.93 1.65 89236TEL5 Toyota Motor Credit Corp Note 2.700% Due 01/11/2023 1,000,000.00 01/25/2019 3.22% 980,920.00 990,215.38 104.71 0.37% 1,047,122.00 12,750.00 1.48% 56,906.62 A1 / A+ A+ 2.03 1.96 90331HNL3 US Bank NA Callable Note Cont 12/23/2022 2.850% Due 01/23/2023 750,000.00 04/29/2019 2.77% 752,190.00 751,207.39 105.19 0.22% 788,892.75 9,381.25 1.11% 37,685.36 A1 / AA- AA- 2.06 1.92 06406RAE7 Bank of NY Mellon Corp Callable Note Cont 12/29/2022 2.950% Due 01/29/2023 750,000.00 07/25/2019 2.37% 764,625.00 758,660.74 105.19 0.34% 788,899.50 9,341.67 1.11% 30,238.76 A1 / A AA- 2.08 1.93 037833AK6 Apple Inc Note 2.400% Due 05/03/2023 750,000.00 05/29/2019 2.54% 746,205.00 747,743.66 104.90 0.30% 786,723.00 2,900.00 1.10% 38,979.34 Aa1 / AA+ NR 2.34 2.28 931142EK5 Wal-Mart Stores Callable Note Cont 5/26/2023 3.400% Due 06/26/2023 800,000.00 03/27/2019 2.54% 827,616.00 816,142.00 107.39 0.31% 859,155.20 377.78 1.20% 43,013.20 Aa2 / AA AA 2.48 2.33 02665WCT6 American Honda Finance Note 3.550% Due 01/12/2024 950,000.00 08/19/2019 2.07% 1,008,634.00 990,404.49 108.92 0.58% 1,034,752.35 15,832.01 1.46% 44,347.86 A3 / A- NR 3.03 2.85 TOTAL Corporate 10,415,000.00 2.58% 10,504,333.90 10,476,985.96 0.31% 10,834,335.06 73,167.55 15.19% 357,349.10 A1 / AA- A+ 1.65 1.55 As of December 31, 2020 29 Holdings Report Danville Short Term Treasury Pool -Account #21 CUSIP Security Description Par Value/Units Purchase Date Book Yield Cost Value Book Value Mkt Price Mkt YTM Market Value Accrued Int. % of Port. Gain/Loss Moody/S&P Fitch Maturity Duration LAIF 90LAIF$00 Local Agency Investment Fund State Pool 75,270.35 Various 0.52% 75,270.35 75,270.35 1.00 0.52% 75,270.35 147.21 0.10% 0.00 NR / NR NR 0.00 0.00 TOTAL LAIF 75,270.35 0.52% 75,270.35 75,270.35 0.52% 75,270.35 147.21 0.10% 0.00 NR / NR NR 0.00 0.00 Money Market Fund FI 94975H296 Wells Fargo Treasury Plus MMFD 453 750,109.30 Various 0.01% 750,109.30 750,109.30 1.00 0.01% 750,109.30 0.00 1.04% 0.00 Aaa / AAA NR 0.00 0.00 TOTAL Money Market Fund FI 750,109.30 0.01% 750,109.30 750,109.30 0.01% 750,109.30 0.00 1.04% 0.00 Aaa / AAA NR 0.00 0.00 Supranational 45950KCM0 International Finance Corp Note 2.250% Due 01/25/2021 1,000,000.00 Various 2.35% 997,047.20 999,935.30 100.13 0.35% 1,001,266.00 9,750.00 1.41% 1,330.70 Aaa / AAA NR 0.07 0.07 4581X0CN6 Inter-American Dev Bank Note 1.750% Due 04/14/2022 1,100,000.00 09/13/2018 2.99% 1,054,218.00 1,083,581.63 102.01 0.18% 1,122,161.70 4,117.36 1.57% 38,580.07 Aaa / AAA AAA 1.28 1.27 459058JM6 Intl. Bank Recon & Development Note 0.250% Due 11/24/2023 355,000.00 11/17/2020 0.32% 354,236.75 354,263.24 100.04 0.24% 355,152.65 91.22 0.49% 889.41 Aaa / AAA AAA 2.90 2.88 TOTAL Supranational 2,455,000.00 2.35% 2,405,501.95 2,437,780.17 0.26% 2,478,580.35 13,958.58 3.47% 40,800.18 Aaa / AAA Aaa 1.02 1.01 US Treasury 912828Q37 US Treasury Note 1.250% Due 03/31/2021 1,500,000.00 06/15/2017 1.64% 1,478,501.12 1,498,617.49 100.26 0.18% 1,503,966.00 4,790.52 2.10% 5,348.51 Aaa / AA+ AAA 0.25 0.25 912828Q78 US Treasury Note 1.375% Due 04/30/2021 1,500,000.00 06/08/2017 1.65% 1,484,536.28 1,498,705.01 100.41 0.15% 1,506,093.00 3,532.46 2.10% 7,387.99 Aaa / AA+ AAA 0.33 0.33 912828T34 US Treasury Note 1.125% Due 09/30/2021 1,250,000.00 01/10/2018 2.20% 1,202,392.58 1,240,457.47 100.75 0.12% 1,259,423.75 3,592.89 1.76% 18,966.28 Aaa / AA+ AAA 0.75 0.74 912828F96 US Treasury Note 2.000% Due 10/31/2021 1,500,000.00 08/29/2018 2.76% 1,465,781.25 1,491,038.65 101.55 0.13% 1,523,262.00 5,138.12 2.13% 32,223.35 Aaa / AA+ AAA 0.83 0.83 912828W55 US Treasury Note 1.875% Due 02/28/2022 1,300,000.00 02/08/2018 2.49% 1,269,226.56 1,291,204.62 102.03 0.13% 1,326,405.60 8,282.11 1.86% 35,200.98 Aaa / AA+ AAA 1.16 1.15 912828W89 US Treasury Note 1.875% Due 03/31/2022 1,250,000.00 10/24/2017 1.98% 1,244,580.08 1,248,479.21 102.19 0.12% 1,277,343.75 5,988.15 1.79% 28,864.54 Aaa / AA+ AAA 1.25 1.23 As of December 31, 2020 30 Holdings Report Danville Short Term Treasury Pool -Account #21 CUSIP Security Description Par Value/Units Purchase Date Book Yield Cost Value Book Value Mkt Price Mkt YTM Market Value Accrued Int. % of Port. Gain/Loss Moody/S&P Fitch Maturity Duration 912828L24 US Treasury Note 1.875% Due 08/31/2022 900,000.00 10/04/2018 3.01% 862,488.28 884,032.53 102.90 0.13% 926,085.60 5,733.77 1.30% 42,053.07 Aaa / AA+ AAA 1.67 1.63 912828M80 US Treasury Note 2.000% Due 11/30/2022 950,000.00 04/29/2019 2.28% 940,759.77 945,076.58 103.58 0.13% 984,029.00 1,670.33 1.37% 38,952.42 Aaa / AA+ AAA 1.92 1.88 912828R28 US Treasury Note 1.625% Due 04/30/2023 1,500,000.00 06/19/2019 1.87% 1,486,582.03 1,491,920.67 103.45 0.14% 1,551,738.00 4,174.72 2.17% 59,817.33 Aaa / AA+ AAA 2.33 2.29 912828R69 US Treasury Note 1.625% Due 05/31/2023 1,500,000.00 04/11/2019 2.30% 1,460,156.25 1,476,733.58 103.57 0.14% 1,553,496.00 2,142.86 2.17% 76,762.42 Aaa / AA+ AAA 2.41 2.37 912828T91 US Treasury Note 1.625% Due 10/31/2023 1,500,000.00 09/13/2019 1.78% 1,490,917.97 1,493,770.43 104.18 0.15% 1,562,637.00 4,174.72 2.18% 68,866.57 Aaa / AA+ AAA 2.83 2.77 TOTAL US Treasury 14,650,000.00 2.14% 14,385,922.17 14,560,036.24 0.14% 14,974,479.70 49,220.65 20.92% 414,443.46 Aaa / AA+ Aaa 1.43 1.41 TOTAL PORTFOLIO 69,909,404.68 1.69% 69,834,233.07 69,983,317.85 0.18% 71,566,900.63 261,202.19 100.00% 1,583,582.78 Aa1 / AA+ Aaa 1.88 1.79 TOTAL MARKET VALUE PLUS ACCRUALS 71,828,102.82 As of December 31, 2020 31 Holdings Report Danville NERIAD Improvement Fund (89-1 90A) -Account #24 CUSIP Security Description Par Value/Units Purchase Date Book Yield Cost Value Book Value Mkt Price Mkt YTM Market Value Accrued Int. % of Port. Gain/Loss Moody/S&P Fitch Maturity Duration Money Market Fund FI 94975H296 Wells Fargo Treasury Plus MMFD 453 11,843.30 12/21/2020 0.01% 11,843.30 11,843.30 1.00 0.01% 11,843.30 0.00 1.37% 0.00 Aaa / AAA NR 0.00 0.00 TOTAL Money Market Fund FI 11,843.30 0.01% 11,843.30 11,843.30 0.01% 11,843.30 0.00 1.37% 0.00 Aaa / AAA NR 0.00 0.00 US Treasury 912828Q37 US Treasury Note 1.250% Due 03/31/2021 250,000.00 06/03/2020 0.19% 252,177.73 250,646.06 100.26 0.18% 250,661.00 798.42 29.07% 14.94 Aaa / AA+ AAA 0.25 0.25 9127963S6 US Treasury Bill 0.122% Due 07/15/2021 225,000.00 08/24/2020 0.12% 224,753.96 224,753.96 99.89 0.12% 224,753.96 97.96 25.99% 0.00 P-1 / A-1+ F-1+ 0.54 0.54 9127964W6 US Treasury Bill 0.103% Due 11/04/2021 250,000.00 11/30/2020 0.10% 249,758.70 249,758.70 99.90 0.10% 249,758.70 22.78 28.87% 0.00 P-1 / A-1+ F-1+ 0.84 0.84 912828G53 US Treasury Note 1.875% Due 11/30/2021 125,000.00 12/18/2020 0.11% 127,075.20 127,008.84 101.61 0.12% 127,006.88 206.04 14.70% (1.96) Aaa / AA+ AAA 0.92 0.91 TOTAL US Treasury 850,000.00 0.14% 853,765.59 852,167.56 0.13% 852,180.54 1,125.20 98.63% 12.98 Aaa / AAA Aaa 0.60 0.60 TOTAL PORTFOLIO 861,843.30 0.13% 865,608.89 864,010.86 0.13% 864,023.84 1,125.20 100.00% 12.98 Aaa / AAA Aaa 0.59 0.59 TOTAL MARKET VALUE PLUS ACCRUALS 865,149.04 As of December 31, 2020 32 SECTION |Section 4 |Transactions 33 Transaction Ledger Danville Short Term Treasury Pool -Account #21 Transaction Type Settlement Date CUSIP Quantity Security Description Price Acq/Disp Yield Amount Interest Pur/Sold Total Amount Gain/Loss ACQUISITIONS Purchase 11/05/2020 3137EAEZ8 1,455,000.00 FHLMC Note 0.25% Due: 11/06/2023 99.910 0.28%1,453,690.50 0.00 1,453,690.50 0.00 Purchase 11/24/2020 459058JM6 355,000.00 Intl. Bank Recon & Development Note 0.25% Due: 11/24/2023 99.785 0.32%354,236.75 0.00 354,236.75 0.00 Purchase 11/30/2020 3135G06H1 1,500,000.00 FNMA Note 0.25% Due: 11/27/2023 99.944 0.27%1,499,160.00 52.08 1,499,212.08 0.00 Purchase 12/11/2020 3137EAFA2 1,500,000.00 FHLMC Note 0.25% Due: 12/04/2023 99.974 0.26%1,499,610.00 72.92 1,499,682.92 0.00 Subtotal 4,810,000.00 4,806,697.25 125.00 4,806,822.25 0.00 TOTAL ACQUISITIONS 4,810,000.00 4,806,697.25 125.00 4,806,822.25 0.00 DISPOSITIONS Maturity 10/31/2020 912828WC0 1,300,000.00 US Treasury Note 1.75% Due: 10/31/2020 100.000 1,300,000.00 0.00 1,300,000.00 0.00 Maturity 11/27/2020 3133EHW58 350,000.00 FFCB Note 1.9% Due: 11/27/2020 100.000 350,000.00 0.00 350,000.00 0.00 Maturity 11/30/2020 912828M98 1,200,000.00 US Treasury Note 1.625% Due: 11/30/2020 100.000 1,200,000.00 0.00 1,200,000.00 0.00 Maturity 12/11/2020 3130A3UQ5 1,500,000.00 FHLB Note 1.875% Due: 12/11/2020 100.000 1,500,000.00 0.00 1,500,000.00 0.00 Subtotal 4,350,000.00 4,350,000.00 0.00 4,350,000.00 0.00 TOTAL DISPOSITIONS 4,350,000.00 4,350,000.00 0.00 4,350,000.00 0.00 September 30, 2020 through December 31, 2020 As of December 31, 2020 34 Transaction Ledger Danville NERIAD Improvement Fund (89-1 90A) -Account #24 Transaction Type Settlement Date CUSIP Quantity Security Description Price Acq/Disp Yield Amount Interest Pur/Sold Total Amount Gain/Loss ACQUISITIONS Purchase 11/30/2020 9127964W6 250,000.00 US Treasury Bill 0.103% Due: 11/04/2021 99.903 0.10%249,758.70 0.00 249,758.70 0.00 Purchase 12/21/2020 912828G53 125,000.00 US Treasury Note 1.875% Due: 11/30/2021 101.660 0.11%127,075.20 135.22 127,210.42 0.00 Subtotal 375,000.00 376,833.90 135.22 376,969.12 0.00 TOTAL ACQUISITIONS 375,000.00 376,833.90 135.22 376,969.12 0.00 DISPOSITIONS Maturity 11/30/2020 912828M98 275,000.00 US Treasury Note 1.625% Due: 11/30/2020 100.000 275,000.00 0.00 275,000.00 0.00 Maturity 12/21/2020 3133EJPW3 100,000.00 FFCB Note 2.7% Due: 12/21/2020 100.000 100,000.00 0.00 100,000.00 0.00 Subtotal 375,000.00 375,000.00 0.00 375,000.00 0.00 TOTAL DISPOSITIONS 375,000.00 375,000.00 0.00 375,000.00 0.00 September 30, 2020 through December 31, 2020 As of December 31, 2020 35 Important Disclosures 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 materiallyalter 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,theincurrence of whichwould have the effect of decreasing historical performance results.It is not possible to invest directlyin 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 anyand 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 notsponsor,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 declinedue to economic conditions,especially during periods of rising interest rates. Ratingsinformation have been providedby Moody’s,S&P and Fitch through data feeds we believe to be reliable as of the date of this statement,howeverwe 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. As of December 31, 2020 36 Benchmark Disclosures ICE BAML 1-3 Yr US Treasury Index The ICE BAML 1-3 Year US Treasury Index tracks the performance of US dollardenominated 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 haveat least 18 months to final maturity at thetime of issuance.(Index:G1O2.Please visit www.mlindex.ml.com for moreinformation) 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: G0O1. Please visit www.mlindex.ml.com for moreinformation) 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 gradedebt 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 scheduleand a minimum amountoutstanding of $1 billion for US Treasuries and $250 million for all other securities.(Index:GVPB.Please visit www.mlindex.ml.com for more information) As of December 31, 2020 37