The use of Federal Home Loan Bank advances among bank and thrift members fell overall during the first quarter of 2014, with three of the top four members showing virtually no quarterly movement, according to the Inside Mortgage Finance Bank Mortgage Database. All of the nation’s banks and thrifts used a combined $392.0 billion in advances as of March 31, 2014, down 3.5 percent from the fourth quarter of 2013 but an 18.7 percent increase from the same period a year earlier. The Federal Home Loan Bank’s Office of Finance in its first quarter combined financial report cited reduced member demand, particularly by large-asset members, for the first quarter decline.