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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. -
Reminder List of Productions Eligible for the 90Th Academy Awards Alien
REMINDER LIST OF PRODUCTIONS ELIGIBLE FOR THE 90TH ACADEMY AWARDS ALIEN: COVENANT Actors: Michael Fassbender. Billy Crudup. Danny McBride. Demian Bichir. Jussie Smollett. Nathaniel Dean. Alexander England. Benjamin Rigby. Uli Latukefu. Goran D. Kleut. Actresses: Katherine Waterston. Carmen Ejogo. Callie Hernandez. Amy Seimetz. Tess Haubrich. Lorelei King. ALL I SEE IS YOU Actors: Jason Clarke. Wes Chatham. Danny Huston. Actresses: Blake Lively. Ahna O'Reilly. Yvonne Strahovski. ALL THE MONEY IN THE WORLD Actors: Christopher Plummer. Mark Wahlberg. Romain Duris. Timothy Hutton. Charlie Plummer. Charlie Shotwell. Andrew Buchan. Marco Leonardi. Giuseppe Bonifati. Nicolas Vaporidis. Actresses: Michelle Williams. ALL THESE SLEEPLESS NIGHTS AMERICAN ASSASSIN Actors: Dylan O'Brien. Michael Keaton. David Suchet. Navid Negahban. Scott Adkins. Taylor Kitsch. Actresses: Sanaa Lathan. Shiva Negar. AMERICAN MADE Actors: Tom Cruise. Domhnall Gleeson. Actresses: Sarah Wright. AND THE WINNER ISN'T ANNABELLE: CREATION Actors: Anthony LaPaglia. Brad Greenquist. Mark Bramhall. Joseph Bishara. Adam Bartley. Brian Howe. Ward Horton. Fred Tatasciore. Actresses: Stephanie Sigman. Talitha Bateman. Lulu Wilson. Miranda Otto. Grace Fulton. Philippa Coulthard. Samara Lee. Tayler Buck. Lou Lou Safran. Alicia Vela-Bailey. ARCHITECTS OF DENIAL ATOMIC BLONDE Actors: James McAvoy. John Goodman. Til Schweiger. Eddie Marsan. Toby Jones. Actresses: Charlize Theron. Sofia Boutella. 90th Academy Awards Page 1 of 34 AZIMUTH Actors: Sammy Sheik. Yiftach Klein. Actresses: Naama Preis. Samar Qupty. BPM (BEATS PER MINUTE) Actors: 1DKXHO 3«UH] %LVFD\DUW $UQDXG 9DORLV $QWRLQH 5HLQDUW] )«OL[ 0DULWDXG 0«GKL 7RXU« Actresses: $GªOH +DHQHO THE B-SIDE: ELSA DORFMAN'S PORTRAIT PHOTOGRAPHY BABY DRIVER Actors: Ansel Elgort. Kevin Spacey. Jon Bernthal. Jon Hamm. Jamie Foxx. -
RESISTANCE MADE in HOLLYWOOD: American Movies on Nazi Germany, 1939-1945
1 RESISTANCE MADE IN HOLLYWOOD: American Movies on Nazi Germany, 1939-1945 Mercer Brady Senior Honors Thesis in History University of North Carolina at Chapel Hill Department of History Advisor: Prof. Karen Hagemann Co-Reader: Prof. Fitz Brundage Date: March 16, 2020 2 Acknowledgements I want to thank Dr. Karen Hagemann. I had not worked with Dr. Hagemann before this process; she took a chance on me by becoming my advisor. I thought that I would be unable to pursue an honors thesis. By being my advisor, she made this experience possible. Her interest and dedication to my work exceeded my expectations. My thesis greatly benefited from her input. Thank you, Dr. Hagemann, for your generosity with your time and genuine interest in this thesis and its success. Thank you to Dr. Fitz Brundage for his helpful comments and willingness to be my second reader. I would also like to thank Dr. Michelle King for her valuable suggestions and support throughout this process. I am very grateful for Dr. Hagemann and Dr. King. Thank you both for keeping me motivated and believing in my work. Thank you to my roommates, Julia Wunder, Waverly Leonard, and Jamie Antinori, for being so supportive. They understood when I could not be social and continued to be there for me. They saw more of the actual writing of this thesis than anyone else. Thank you for being great listeners and wonderful friends. Thank you also to my parents, Joe and Krista Brady, for their unwavering encouragement and trust in my judgment. I would also like to thank my sister, Mahlon Brady, for being willing to hear about subjects that are out of her sphere of interest. -
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. -
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. -
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]. -
Fake Realities: Assassination and Race in Popular Culture Kevin Marinella
Bridgewater State University Virtual Commons - Bridgewater State University Master’s Theses and Projects College of Graduate Studies 2018 Fake Realities: Assassination and Race in Popular Culture Kevin Marinella Follow this and additional works at: http://vc.bridgew.edu/theses Part of the Criminology Commons Recommended Citation Marinella, Kevin. (2018). Fake Realities: Assassination and Race in Popular Culture. In BSU Master’s Theses and Projects. Item 56. Available at http://vc.bridgew.edu/theses/56 Copyright © 2018 Kevin Marinella This item is available as part of Virtual Commons, the open-access institutional repository of Bridgewater State University, Bridgewater, Massachusetts. Running Head: FAKE REALITIES: ASSASSINATION AND RACE IN POPULAR CULTURE 1 Fake realities: Assassination and race in popular culture A Thesis Presented by KEVIN MARINELLA Submitted to the College of Graduate Studies Bridgewater State University Bridgewater, Massachusetts in partial fulfillment of the requirements for the Degree of Master of Science in Criminal Justice MAY 2018 Fake realities: Assassination and race in popular culture 2 Fake realities: Assassination and race in popular culture A Thesis Presented by KEVIN MARINELLA MAY 2018 Approved as to style and content by: Signature:______________________________________________________________ Dr. Wendy Wright, Chair Date: Signature:______________________________________________________________ Dr. Carolyn Petrosino, Member Date: Signature:______________________________________________________________ Dr. Jamie Huff, Member Date: Fake realities: Assassination and race in popular culture 3 ABSTRACT Since the September 11th, 2011 terrorist attacks the United States had been involved in conflicts across the globe. These conflict have given rise to the use of target killing, commonly known as assassination as a way to eliminate enemies of the United States. A majority of those killed are of Middle-Eastern descent and/or are followers of Islam. -
New Proposal Puts Tennis Players in a Pickle Page 5
Vol. XXXIX, Number 14 Q January 5, 2018 New proposal puts tennis players in a pickle Page 5 www.PaloAltoOnline.com Page 10 INSIDE THIS ISSUE Donate to the HOLIDAY FUND page 16 Pulse 9 Movies 12 Eating Out 188 PPuzzlesuzzles 2255 QSeniors Morning boot camp has fit followers Page 19 QHome In Charleston Gardens, a caring vibe Page 22 QSports Pinewood girls basketball is thinking big Page 27 TOO MAJOR TOO MINOR JUST RIGHT FOR HOME FOR HOSPITAL FOR STANFORD EXPRESS CARE When an injury or illness needs quick attention but not Express Care is available at two convenient locations: in the Emergency Department, call Stanford Express Care. Staffed by doctors, nurses, and physician assistants, Stanford Express Care Palo Alto Hoover Pavilion Express Care treats children (6+ months) and adults for: 211 Quarry Road, Suite 102 Palo Alto, CA 94304 • Respiratory illnesses • UTIs (urinary tract tel: 650.736.5211 • Cold and flu infections) Stanford Express Care San Jose • Stomach pain • Pregnancy tests River View Apartment Homes • Fever and headache • Flu shots 52 Skytop Street, Suite 10 San Jose, CA 95134 • Back pain • Throat cultures tel: 669.294.8888 • Cuts and sprains Open Everyday by Appointment Only Express Care accepts most insurance and is billed as 9:00am–9:00pm a primary care, not emergency care, appointment. Providing same-day fixes every day, 9:00am to 9:00pm. Page 2 • January 5, 2018 • Palo Alto Weekly • www.PaloAltoOnline.com WISHING YOU AND YOUR FAMILY A HAPPY AND HEALTHY 2018 Expressing my gratitude for my 2017 transactions 1701 Br yant Street -
Cast Biographies
CAST BIOGRAPHIES MICHAEL SHANNON (Gary Noesner) Academy Award®, Golden Globe® and Tony Award® nominated actor Michael Shannon continues to make his mark in entertainment, working with the industry's most respected talent and treading the boards in notable theaters around the world. Shannon will next be seen in Guillermo del Toro's The Shape of Water, a love story set against the backdrop of Cold War-era America. The film co-stars Sally Hawkins, Richard Jenkins, Michael Stuhlbarg and Octavia Spencer. Fox Searchlight will release the film December 2017. In 2018, Shannon will return to Red Orchard Theatre for its 25th Anniversary to direct the world premiere of Traitor, Brett Neveu's adaption of Henrik Ibsen's Enemy of the People. Traitor will include ensemble members Dado, Larry Grimm, Danny McCarthy, Guy Van Swearingen and Natalie West and will run from January 5, 2018 through February 25, 2018. Back on the big screen, Shannon will then be seen in the Nicolai Fuglsig’s 12 Strong opposite Chris Hemsworth. The project follows a team of CIA agents and special forces who head into Afghanistan in the aftermath of the 9/11 attacks in an attempt to dismantle the Taliban. Warner Brothers is releaseing the film in January 2018. Later next year, Shannon will also be seen in writer-director Elizabeth Chomko’s drama, What They Had, opposite Hilary Swank. The story centers on a woman who must fly back to her hometown when her Alzheimer's-stricken mother wanders into a blizzard and the return home forces her to confront her past, which includes her brother (Shannon). -
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.