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2020 Community Banking Study
FEDERAL DEPOSIT INSURANCE CORPORATION FDIC Community Banking Study December 2020 Table of Contents Foreword . I Acknowledgements . III Executive Summary . V Chapter 1: Community Bank Financial Performance . .. 1-1 Chapter 2: Structural Change Among Community and Noncommunity Banks . 2-1 Chapter 3: The Effects of Demographic Changes on Community Banks . 3-1 Chapter 4: Notable Lending Strengths of Community Banks . 4-1 Chapter 5: Regulatory Change and Community Banks . 5-1 Chapter 6: Technology in Community Banks . 6-1 Bibliography . i Appendix A: Study Definitions . A-1 Appendix B: Selected Federal Agency Actions Affecting Community Banks, 2008–2019 . B-1 FDIC COMMUNITY BANKING STUDY ■ DECEMBER 2020 Foreword Eight years ago, coming out of the financial crisis, the throughout this country, which is why I made this update FDIC conducted a study of community banks. This study to the 2012 Community Banking Study a research priority was the first large-scale review of community banks ever in 2020. I instructed my research team not only to update conducted, and it recognized the importance of community key aspects of the prior study, but also to consider new banks and their unique role in the banking industry. As topics that are important to community banks, such a result of that study, the FDIC changed its approach to as regulatory change and technology. By continuing to identifying community banks. In general, community study community banks and providing that research banks are those that provide traditional banking services to the public—our stakeholders—we can continue to in their local communities. As of year-end 2019, there were identify ways that the FDIC can provide support to 4,750 community banks in the country with more than these institutions. -
An Open-Source Platform for Learning Embedded Systems Based on Algorithm Visualizations and Digital Signal Controllers
electronics Article DSCBlocks: An Open-Source Platform for Learning Embedded Systems Based on Algorithm Visualizations and Digital Signal Controllers Jonathan Álvarez Ariza Department of Electronics Technology, Engineering Faculty, Corporación Universitaria Minuto de Dios (UNIMINUTO), 111021 Bogotá, Colombia; [email protected]; Tel.: +57-310-557-9255 Received: 17 January 2019; Accepted: 29 January 2019; Published: 18 February 2019 Abstract: DSCBlocks is an open-source platform in hardware and software developed in JavaFX, which is focused on learning embedded systems through Digital Signal Controllers (DSCs). These devices are employed in industrial and educational sectors due to their robustness, number of peripherals, processing speed, scalability and versatility. The platform uses graphical blocks designed in Google’s tool Blockly that can be used to build different Algorithm Visualizations (AVs). Afterwards, the algorithms are converted in real-time to C language, according to the specifications of the compiler for the DSCs (XC16) and they can be downloaded in one of the two models of development board for the dsPIC 33FJ128GP804 and dsPIC 33FJ128MC802. The main aim of the platform is to provide a flexible environment, drawing on the educational advantages of the AVs with different aspects concerning the embedded systems, such as declaration of variables and functions, configuration of ports and peripherals, handling of Real-Time Operating System (RTOS), interrupts, among others, that are employed in several fields such as robotics, control, instrumentation, etc. In addition, some experiments that were designed in the platform are presented in the manuscript. The educational methodology and the assessment provided by the students (n = 30) suggest that the platform is suitable and reliable to learn concepts relating to embedded systems. -
Reviewing Romcom: (100) Imdb Users and (500) Days of Summer
. Volume 8, Issue 2 November 2011 Reviewing Romcom: (100) IMDb Users and (500) Days of Summer Inger-Lise Kalviknes Bore Birmingham City University, UK Abstract This article contributes to academic debates around the romantic comedy genre and comedy audiences by examining IMDb user reviews of (500) Days of Summer (2009). Directed by Marc Webb for Fox Searchlight Pictures, (500) Days of Summer was promoted with the tagline ‘Boy meets girl. Boy falls in love. Girl doesn’t’. This presents the film as an unconventional romantic comedy in at least three ways: Firstly, it suggests that these two characters will not actually end up together, which challenges the idea of the romcom couple as ‘meant to be’. Secondly, it presents the possibility that audiences might not get the happy ending we usually expect from comedy. And finally, the tagline casts the boy, rather than the girl, in the role as yearning romantic, thereby challenging the traditional gender roles of heterosexual relationships. So how did audiences respond to this film? At the time of writing, it has been rated by 75,716 IMDb users, and has an average score of 8.0 out of 10. This clearly suggests a favourable reception, but the IMDb reviews also offer qualitative data that can shed further light on how the film has been evaluated. What kinds of criteria are in operation? What elements do reviewers highlight as important for their experiences of the film? How is the film seen to fail for some viewers? Drawing on previous studies of romantic comedy, the analysis will consider how these particular audience members articulated their responses to (500) Days of Summer, as well as their positions as reviewers. -
Easy Peripherals for the Internet of Things
FACULDADE DE ENGENHARIA DA UNIVERSIDADE DO PORTO Easy Peripherals for the Internet of Things António Miguel Baldaia Moreira de Sousa Mestrado Integrado em Engenharia Eletrotécnica e de Computadores Supervisor: João Carlos Viseu Oliveira (Fraunhofer AICOS Portugal) Supervisor: Luis Miguel Pinho de Almeida (FEUP) July 22, 2016 c António Miguel Baldaia Moreira de Sousa , 2016 Abstract The Internet of Things (IoT) is booming and more than 250 million devices are expected to be part of it by 2020. The growth is mostly supported by the ever increasing amount of sensing circuitry embedded in all sorts of user devices, appliances and wearables, among others. However, the abundance of information in itself does not provide knowledge, as the raw data must first be treated and processed. In order to do so, and still keep up with the technology demand, the development of new solutions and applications has to be very efficient and expedite. Some of the major setbacks when developing IoT solutions are the interfaces available (or not) to interact with the sensory devices and retrieve measurements data. Quite often, these interfaces have to be custom developed for each prototype, or solution. This project, presented by Fraun- hofer AICOS Portugal, addresses and reduces the effort high-level developers have to put in when interacting with sensory nodes. A complete communication protocol was designed and implemented on top of Bluetooth Low Energy to establish the communication between a sensory node, such as a micro-controller plat- form, and a data collection device, such as an Android smartphone. The protocol may be imple- mented on any platform, but this project focuses on establishing the communication between an Android device and a Fraunhofer proprietary micro-controller platform, the Pandlet. -
Limitations on Copyright Protection for Format Ideas in Reality Television Programming
For exclusive use of MLRC members and other parties specifically authorized by MLRC. © Media Law Resource Center, Inc. LIMITATIONS ON COPYRIGHT PROTECTION FOR FORMAT IDEAS IN REALITY TELEVISION PROGRAMMING By Kent R. Raygor and Edwin Komen* * Kent R. Raygor and Edwin Komen are partners in the Entertainment, Media, and Technology Group in the Century City, California and Washington, D.C. offices, respectively, of Sheppard Mullin Richter & Hampton LLP. The authors thank Ben Aigboboh, an associate in the Century City office, for his assistance with this article. 97 For exclusive use of MLRC members and other parties specifically authorized by MLRC. © Media Law Resource Center, Inc. LIMITATIONS ON COPYRIGHT PROTECTION FOR FORMAT IDEAS IN REALITY TELEVISION PROGRAMMING I. INTRODUCTION Television networks constantly compete to find and produce the next big hit. The shifting economic landscape forged by increasing competition between and among ever-proliferating media platforms, however, places extreme pressure on network profit margins. Fully scripted hour-long dramas and half-hour comedies have become increasingly costly, while delivering diminishing ratings in the key demographics most valued by advertisers. It therefore is not surprising that the reality television genre has become a staple of network schedules. New reality shows are churned out each season.1 The main appeal, of course, is that they are cheap to make and addictive to watch. Networks are able to take ordinary people and create a show without having to pay “A-list” actor salaries and hire teams of writers.2 Many of the most popular programs are unscripted, meaning lower cost for higher ratings. Even where the ratings are flat, such shows are capable of generating higher profit margins through advertising directed to large groups of more readily targeted viewers. -
Warf Electronics Shopping - Catalog Electronics Shopping IOIO for Android FR4 1.6Mm Blank PCB Board Single Side 6X6" 1Oz
เลขประจําตัวผูเสียภาษี 3271161630 Warf Electronics Shopping - Catalog Electronics Shopping IOIO for Android FR4 1.6mm Blank PCB board Single Side 6x6" 1oz. ELE-SP072006172 ELE-WA491996121 1,950.00 THB 50.00 THB IN-14 RUSSIAN NIXIE TUBES IN-14 IN14 NEW NOS Line Iso-Regulation IRG-600 ELE-WA491996260 ELE-WA491986075 400.00 THB 27,500.00 THB LC-3 Purist Line Conditioner PS-8 Clean Power Station ELE-WA491986053 ELE-WA491986069 11,650.00 THB 5,850.00 THB ISO Clean Power Station ชุดกรองไฟ NFC-3 ELE-WA491986071 ELE-WA491986072 12,600.00 THB 8,600.00 THB ชุดกรองไฟ NFC2 ชุดกรองไฟ NFC-1 ELE-WA491986073 ELE-WA491986074 11,500.00 THB 14,500.00 THB อุปกรณชวยขจัดสัญญาณรบกวน LI-500 เครื่องกรองไฟ LC-1 MKII ELE-WA491986076 ELE-WA491986077 7,800.00 THB 4,890.00 THB CPS-8 SE Clean Power Station CPS-8 Clean Power Station ELE-WA491986054 ELE-WA491986068 8,800.00 THB 6,800.00 THB Line Iso-Regulation IRG-600 Black PS-8 SE Clean Power Station ELE-WA491986070 ELE-WA491986067 28,500.00 THB 7,800.00 THB AudioengineUSA N22 Amplifier / Headphone Amp Bellari HA540 Tube Headphone Amp ELE-WA491976078 ELE-WA491976079 7,500.00 THB 11,500.00 THB Burson Headphone Amp 160 Cavalli Audio Liquid Fire Headphone Amp (pre order) ELE-WA491976081 ELE-WA491976082 26,900.00 THB 49,900.00 THB Centrance DACmini Centrance DACport 24/96 USB Headphone Amp ELE-WA491976083 ELE-WA491976084 29,500.00 THB 14,500.00 THB Creek Audio OBH-11 Headphone Amplifier Creek Audio OBH-21 Headphone Amplifier ELE-WA491976085 ELE-WA491976086 9,800.00 THB 14,500.00 THB Creek Audio OBH-21 SE Headphone Amplifier -
LNICST 117, Pp
Efficient and Alternative Approach for Android Based Mobile Remote Control in a Bluetooth Environment Husain Alhayki1 and Jayavrinda Vrindavanam2 1 Telecommunication Engineering, Caledonian College of Engineering, Muscat, Oman [email protected] 2 Department of Electronic and Computer Engineering, Caledonian College of Engineering, Muscat, Oman [email protected] Abstract. The paper presents a novel method of design and implementation of a control system using Bluetooth technologies. The proposed system based on IOIO board, Bluetooth and android application endeavours to support user the ability to control the electrical devices from mobile devices, which must have android operating system. The proposed system design is simple, multifunctional, superior to previous approaches and can considerably economise the costs involved in developing such systems. The application has a variety of uses in offices, factories, laboratories and access controlled environments. Keywords: Android, IOIO board, Bluetooth, SDK tools, ATD plugin. 1 Introduction With the advent of mobile phones, a multitude of functions are added to such hand held instruments on a continuous basis, making such devices as ‘versatile master control device’. The uses of such devices are extremely divergent. Such uses range from photography, video chats, daily planner, e-mail facility and so on. As an extension to such advancements, the main objective of this paper is to design and implement a new control system for devices using mobile phones which run with the support of android operating system through the support of Bluetooth technology as a medium of communication. There are many controlling boards that can be used in these applications such as Arduino, mbed, IOIO board etc, and each one has its own specifications and applications. -
Generate Your Business Idea (GYB)Pdf
GENERATE YOUR BUSINESS IDEA generate YOUR BUSINESS IDEA This original publication was developed by the ILO Copyright © International Labour Organization 2015 First published 2015 This is an open access work distributed under the Creative Commons Attribution-ShareAlike 3.0 IGO License (http://creativecommons.org/licenses/by-sa/3.0/igo). Users can re-use, share, adapt and build upon the original work, even for commercial purposes, as detailed in the License. Any new works that use the original content must carry the same CC-BY-SA licence. The ILO must be clearly credited as the owner of the original work. The use of the emblem of the ILO is not permitted in connection with users’ work. Translations – In case of a translation of this work, the following disclaimer must be added along with the attribution: This translation was not created by the International Labour Office (ILO) and should not be considered an official ILO translation. The ILO is not responsible for the content or accuracy of this translation. Adaptations – In case of an adaptation of this work, the following disclaimer must be added along with the attribution: This is an adaptation of an original work by the International Labour Office (ILO). Responsibility for the views and opinions expressed in the adaptation rests solely with the author or authors of the adaptation and are not endorsed by the ILO. Adaptations not endorsed by the SME Unit of the ILO cannot use the SIYB brand name and logo. All queries on rights and licensing should be addressed to ILO Publications (Rights and Licensing), CH-1211 Geneva 22, Switzerland, or by email to [email protected]. -
Dear Mr. President” to Create Conversation
South Dakota State University Open PRAIRIE: Open Public Research Access Institutional Repository and Information Exchange Schultz-Werth Award Papers Van D. and Barbara B. Fishback Honors College 4-2020 Protest Music and Public Discourse: How P!NK Uses “Dear Mr. President” to Create Conversation Olivia R. Knippling South Dakota State University Follow this and additional works at: https://openprairie.sdstate.edu/schultz-werth Part of the Communication Commons, and the Music Commons Recommended Citation Knippling, Olivia R., "Protest Music and Public Discourse: How P!NK Uses “Dear Mr. President” to Create Conversation" (2020). Schultz-Werth Award Papers. 4. https://openprairie.sdstate.edu/schultz-werth/4 This Article is brought to you for free and open access by the Van D. and Barbara B. Fishback Honors College at Open PRAIRIE: Open Public Research Access Institutional Repository and Information Exchange. It has been accepted for inclusion in Schultz-Werth Award Papers by an authorized administrator of Open PRAIRIE: Open Public Research Access Institutional Repository and Information Exchange. For more information, please contact [email protected]. Protest music and public discourse 1 Protest music and public discourse: How P!NK uses “Dear Mr. President” to create conversation Olivia R. Knippling South Dakota State University Protest music and public discourse 2 Abstract In this paper, I explore the rhetorical devices of the popular artist P!NK during a live performance of her song “Dear Mr. President,” from 2007. Using the method of rhetorical descriptive analysis I answer the research question: How does P!NK combine rhetorical and musical strategies in “Dear Mr. President” to encourage public discourse? The findings indicate that P!NK crafted a unique protest song which effectively uses both rhetorical and musical devices to appeal to her audiences’ emotions and encourages participation in public discourse. -
Documentaries 12 X 43'/52'
Documentaries 12 x 43’/52’ Facts for your success Discover the greatest scientific inventions which revolutionized our life Victories and failures High gloss documentary series with latest CGI technology his groundbreaking series of one-hour documen- 1. BREAKTHROUGH AT THE CAPE TO HELL T taries explores some of the great scientific inven- With the caravel Prince Henry The Navigator was the first to tions, discoveries and achievements of the last cen- succeed in rounding the Cape Bojador, the much feared turies. They were obsessed with an idea in the pursuit of “Gateway to Hell” on the west coast of Africa. Thereafter, which they recklessly risked all their possessions – and nothing was ever the same again, the heyday of the discovers often life and limb as well. Over the centuries these bril- and slave traders could begin… liant souls came up with inventions and discoveries that revolutionised the history of our planet. 2. THE EMPIRE STRIKES 6. THE ELECTRICITY WAR The culverin – this highly accurate heavy cannon with its These days we take it absolutely for granted that electricity is explosive load revolutionised the art of naval warfare. A available in every home. But there was a bitter struggle for Tyrolean bell founder’s secret recipe taught the Spaniards to many years before George Westinghouse’s alternating cur- know fear. Following victory against the mighty Spanish rent, which can be transmitted over long distances, achieved Armada in 1588, the British Empire acquired dominance of dominance over Thomas Edison’s direct current system. the seas… 7. DUEL IN THE DARKNESS 3. DECISION AT LONGITUDE X At night and within a fog, on land, sea and air, radar technol- The H4 chronometer – this novel timepiece created by the ogy provides us with eyes to recognise friend and foe alike. -
Green Remodeling Idea Book, 18 Remodeling Contractor That Need to Be Updated to Today’S Standards
REMODELING 2008 IDEA BOOK ACKNOWLEDGEMENTS The First Suburbs Coalition would like to thank the following individuals and organizations for their contributions to this book: City of Independence Fairway, Kansas Mary M. Hunt, Senior Planner Gladstone, Missouri City of Kansas City, Mo. Grandview, Missouri Carol Adams, Environmental Management Commission Independence, Missouri City of Raytown Kansas City, Kansas John Benson, Senior Planner Kansas City, Missouri City of Prairie Village Merriam, Kansas Dennis Enslinger, Assistant City Administrator Mission, Kansas Greater Kansas City Home Builders Association Mission Hills, Kansas Stan Parsons, Special Projects Coordinator Mission Woods, Kansas Kansas City Power & Light North Kansas City, Missouri Mike Schifman, Product Manager, Mass Markets/Energy Solutions Overland Park, Kansas Metropolitan Energy Center Prairie Village, Kansas Robert Housh, Executive Director Raytown, Missouri Dustin Grey Jensen, Operations and Special Projects Riverside, Missouri Mid-America Regional Council Roeland Park, Kansas Dean Katerndahl, Government Innovations Forum Director Tom Jacobs, Environmental Programs Director Sugar Creek, Missouri James Joerke, Air Quality Program Manager Westwood, Kansas Jody Ladd Craig, Public Affairs Director Westwood Hills, Kansas Barbara Hensley, Public Affairs Coordinator Piper-Wind Architects, Inc. Eric Piper, AIA, Principal The First Suburbs Coalition is made up of the cities that were Gretchen Johnson, Assoc. AIA, LEEDAP first to grow around the core of Kansas City. Leaders from Lindsay Tatro, Assoc. AIA, LEEDAP these communities work together on common issues, including modernizing housing stock, maintaining public infrastructure, and attracting and retaining businesses. CONTENTS Why Green Remodeling? what is green remodeling? 2 Principles of Green remodeling is an environmentally responsible Sustainable Design approach to design, maintenance and renovation 3 that provides for a healthy, comfortable, durable and energy-efficient home. -
THE ROLE of NOSTALGIA in a DETACHED COMMUNITY Martin
A PLACE APART: THE ROLE OF NOSTALGIA IN A DETACHED COMMUNITY Martin Otto Zimmann A Dissertation Submitted to the Graduate College of Bowling Green State University in partial fulfillment of the requirements for the degree of DOCTOR OF PHILOSOPHY August 2011 Committee: Dr. Scott C. Martin, Advisor Dr. Ruben V. Anguiano Graduate Faculty Representative Dr. Kristine Blair Dr. Ellen Berry Dr. Duane Larson ii ABSTRACT Dr. Scott C. Martin, Advisor This work investigated the power of nostalgia in perpetuating rituals and folkways in detached communities. The focus of this study was Camp Luther, a family camp operated under the auspices of Lutheran Outdoor Ministries. Over the summer of 2010, approximately sixty interviews were conducted at the camp, and qualitative data from these interviews was used to formulate ideas and theoretical underpinnings for a concept the author calls “the nostalgic reflex.” These interviews were transcribed and then coded to indicate the manner in which nostalgia was driving the thought processes of the interview subjects. Quotations from the interviews were used throughout the document to support the theory of the nostalgic reflex. The interview data was rich with language and notions that indicated the level to which adherents of the camp were “under the influence” of the nostalgic reflex insofar as their devotion to the ethos of the camp’s character was concerned. One of the most interesting data points was people’s willingness to raise a large sum of money to preserve the lakefront of the camp, giving credence to the theory of “solastalgia” as coined by Glenn Albrecht. The language of the interview subjects also dovetailed neatly into Diane Barthel’s tenets of the Staged Symbolic Community.