DOCSLIB.ORG

Comments of Independent Community Bankers of America

Total Page：16

File Type：pdf, Size：1020Kb

Download full-text PDF Read full-text
Comments of Independent Community Bankers of America JEFFREY L. GERHART Chairman WILLIAM A. LOVING, JR. Chairman-Elect JOHN H. BUHRMASTER i'/,'1 Chairman ^—^^INDEPENDENT COMMUNITY NANCY A. RUYLli Treasurer BANKERS of AMERICA® STEVEN R. GARDNER Secretary SALVATORE MARRANCA Immediate Past Chairman October 30, 2012 CAMDEN R, FINE President and CEO Mr. Ben Bernanke Chairman Board of Governors of the Federal Reserve System 20th Street and Constitution Avenue, NW Washington, DC 20551 Mr. Thomas J. Curry Comptroller Office of the Comptroller of the Currency 250 E Street, SW Mail Stop 2-3 Washington, DC 20219 Mr. Martin J. Gruenberg Acting Chairman Federal Deposit Insurance Corporation 550 17th Street, NW Washington, DC 20429 Re: Regulatory Capital Rules: Regulatory Capital, Implementation of Basel III, Minimum Regulatory Capital Ratios, Capital Adequacy, Transition Provisions, and Prompt Corrective Action--OCC Docket ID OCC-2012-0008, Federal Reserve Docket No. R-1430; RIN No. 7100-AD87, FDIC RIN 3064-AD95 Regulatory Capital Rules: Standardized Approach for Risk-weighted Assets; Market Discipline and Disclosure Requirements—OCC Docket ID OCC-2012-0009, Federal Reserve Docket No. R-1442; RIN No. 7100 AD87, FDIC RIN 3064-AD96 Dear Sirs: On behalf of the nation's community banks, including their chief executive officers, presidents, directors, employees, business partners, and customers, the Independent Community Bankers of America (ICBA)1 hereby presents to you the attached petition 1 The Independent Community Bankers of America®, the nation's voice for more than 7,000 community banks of all sizes and charter types, is dedicated exclusively to representing the interests of the community banking industry and its membership through effective advocacy, best-in-class education and high-quality products and services. With nearly 5,000 members, representing more than 23,000 locations nationwide and employing more than 280,000 Americans, ICBA members hold more than $1.2 trillion in assets, $1 trillion in deposits, and $700 billion in loans to consumers, small businesses and the agricultural community. For more information, visit ICBA's website at www.icba.org. INDEPENDENT COMMUNITY BANKERS ¿/AMERICA The Nation's Voice for Community Banks* 1615 L Street NW, Suite 900, Washington, DC20036-5623 • 800-422-8439 m FAX: 202-659-1413 m Email: [email protected] • Website: www.icba.org signed by nearly 15,000 persons (a list of signers is also attached) . The petition requests that community banks be exempt from the proposed implementation of Basel III in the United States and that they be allowed to continue to operate under the Basel I capital standards. The petition was filed with the agencies on October 22, 2012 as part of the official comment letter process. The number of persons that have signed this petition together with the thousands of community banks that they represent, reflect the deep concerns that community banks have towards the proposed capital standard. These concerns have also been expressed in the large number of comment letters that regulators have received and the comments that community banks have raised during the Basel III outreach meetings and audio conference calls held by the regulators. The petition points out that Basel III was originally conceived to apply only to the largest, systemically important and internationally active banks and that community banks did not engage in the reckless behavior that contributed to the recent financial crisis and subsequent economic downturn. Imposing complex and excessive capital standards will threaten the nation's economic recovery and limit lending, investment, and credit availability in Main Street communities. Furthermore, Basel III will force community banks to hire new compliance staff, compute complex risk weights for residential mortgages, and limit their loan offerings to meet the requirements of arbitrary risk- weighted buckets—which will result in disastrous and unintended consequences to the communities they serve. Community banks wish to remain on Basel I, which more accurately aligns their regulatory capital with the type of assets they hold and the relationship model they follow. The petitioners urge the banking regulators to exempt community banks from the Basel III proposal and allow them to continue to operate their banks under the Basel I capital framework, which has served their relationship-based banking models and this nation so well for over a generation. Sincerely, /s/ Camden R. Fine Camden R. Fine President and CEO INDEPENDENT COMMUNITY BANKERS of AMERICA The Na tion'$ voice for Community Banks• 1615 L Street NW, Suite 900, Washington, DC20036-5623 m 800-422-8439 • FAX: 202-659-1413 m Email: [email protected] • Website: www.icba.org Community Bank Petition to the Federal Reserve, OCC, and the FDIC We, the undersigned community bank chief executive officers, presidents, directors, employees, business partners and customers, hereby submit this petition to urge the Federal Reserve Board, Office of the Comptroller of the Currency, and Federal Deposit Insurance Corp. (the "banking regulators") to exempt community banks from the proposed implementation of Basel III in the United States and to allow community banks to continue operating under Basel I capital regulations. We believe the following: • Basel III was originally conceived to apply only to the largest, systemically important and internationally active banks. • Community banks did not engage in the reckless behavior that contributed to the recent financial crisis and subsequent economic downturn. • Imposing complex and excessive capital standards will threaten the nation's economic recovery and limit lending, investment, and credit availability in Main Street communities. • Basel III will force community banks to hire new compliance staff, compute complex risk weights for residential mortgages, and limit their loan offerings to meet the requirements of arbitrary risk-weighted buckets—which will result in disastrous and unintended consequences to the communities they serve. • Community banks have lower risks because they operate under a relationship- based model that cannot be measured solely by imposing analytical capital standards. • Including accumulated other comprehensive income (AOCI) as regulatory capital will dramatically increase regulatory capital volatility and require community banks to hold capital substantially in excess of regulatory requirements. • The new rules will significantly alter the capital treatment of mortgage-servicing assets, deferred tax assets, and trust-preferred securities, requiring community banks to make major changes to their financial statements. • Community and mutual savings banks do not have access to the capital markets, and subjecting them to capital measurement systems that causes capital ratios to fluctuate dramatically based upon the Fed's interest rate policy is an extreme disservice to them. • Subchapter S corporation banks will be significantly affected by dividend restrictions imposed by the proposed capital buffer. Community banks wish to remain on Basel I, which more accurately aligns their regulatory capital with the type of assets they hold and the relationship model they follow. Therefore, we urge the banking regulators to exempt community banks from the Basel III proposal and allow them to continue to operate their banks under the Basel I capital framework, which has served their relationship-based banking models and this nation so well for over a generation. INDEPENDENT COMMUNITY BANKERS of AMERICA The Na tion '$ voice for Community Banks• 1615 L Street NW, Suite 900, Washington, DC20036-5623 m 800-422-8439 • FAX: 202-659-1413 m Email: [email protected] • Website: www.icba.org NAME BANK CITY STATE A C English Bank o f Clarendon Manning South Carolina A Frank Stiegler Woodsville Guaranty Savings Bank Woodsville New Hampshire A. Darrell Borgen Border State Bank Badger Minnesota A. Gary Stoner State Bank of Chandler Chandler Minnesota A. Gay Jensen Director Drayton North Dakota A. Gerald Crawford Jr First National Bank o f Griffin Griffin Georgia A. Jay Hunsaker Lewiston State Bank Lewiston, Utah A. Lane Bank o f Botetourt Troutville Virginia A. Sidney Lane The Farmers Bank Greensboro Georgia A.J. King Three Rivers Bank of Montana Kalispell Montana A.K. Kelemen Cattaraugus County Bank Little Valley New York Aaron A. Reynolds Peoples Trust Company of Saint Albans Saint Albans Vermont Aaron Buerge First National Bank Clinton Missouri Aaron C. Hicks Highlands Union Bank Abingdon Virginia Aaron Chapman Iowa State Savings Bank Creston Iowa Aaron Cooke First Community Bank Whitehall Ohio Aaron D. Jensen Midwest Bank of Western Illinois Monmouth Illinois Aaron Damler Arcola First Bank Arcola Illinois Aaron Haroldson First International Bank and Trust Fargo North Dakota Aaron Immke First National Bank in Georgetown Georgetown Illinois Aaron Larson Currie State Bank Currie Minnesota Aaron Levorsen First International Bank and Trust Elgin North Dakota Aaron Newquist First State Bank Denton Texas Aaron Otten Elkhorn Valley Bank & Trust Norfolk Nebraska Aaron P. Acker Noble Bank & Trust Anniston Alabama Aaron Potts The Pueblo Bank and Trust Company Colorado Springs Colorado Aaron Rislov Security State Bank of Warroad Warroad Minnesota Aaron W . Lehman Towanda State Bank Towanda Kansas AARON W . MOORE SPRINGFIELD STATE BANK SPRINGFIELD Kentucky A b Hendley First National Bank o f Hereford Hereford Texas Abbey Burtson Platte Valley Bank o f Missouri Platte City Missouri Abbey Kingsbury Bank o f Dixon County Ponca Nebraska Abbie
Load more

Recommended publications
  • The Lowell Ledger. Independent Not Neutral
    THE LOWELL LEDGER. INDEPENDENT NOT NEUTRAL. VOL XII, NO. 6 Largest Clrculotloa. LOWELL, MICHIGAN, THUKSDAY, JULY 28, 1904 Official Newspaper. TEN PAGE PAPER THREE IN ONE DAY BIG TIME SURE YOU CAN POINT KAILK0AI) ACCIDENTS IN AT GOOD ROADS FESTIVAL' to the Savings Bank with LOWELL YESTERDAY. AND FARMERS' AND pride, especially If you have an XACCABEE PICNIC account there.! A man with a Two on the Pore Marquette. No savings account' knows the One Ifljnred. In l.offoll on Wednesday, August great benefits he derives from The Pere .Marquette morulng train having money In the bank. 17, Early and Late. from Oraud Kapids to Saginaw ran The committees having in charge into and hiaashed a box car In the the Third Annual Good Boads Festi- The City Bank, train yards liere yesterday. The box val and Farmers" and Maccabees' car wa« iielng pulled to the west by Hill, Watts A Co,, I'ii nic are bestirring themselves to a freight engine and this prevented provide a day of enjoyment for Low- fatalities. The express flreman and ell's guests on Wednesday, August Is a safe place to keep your engineer jiim|)ed and the passengers money. It allows Interest at and crews escaped with a severe 17. The finance committee secured the rate of .'1 per cent |>er an- shaking up. The people In the cafe pledges of about $I(MI. which with num In Its Savings Department car had their breakfasts unceremon- fhe iponey left, on hand from hist and Is wisely and conservative- iously dumped into their laps and year's picnic makes about $150 ly managed.
    [Show full text]
  • The Oxford Democrat in Town for » Few Daya
    v k The V Oxford Democrat. 4 · VOLUME 80. SOUTH PARIS, MAINE, TUESDAY, SEPTEMBER 30, 1913. NUMBER 39 with the red In the of the wait •aw only tbe white drees thief/' said the latter. 71»*** υ- pa**. Fart· Revenues. J baps very presence AMONG THE FARM EES. I she would disclose her book held open by pretty white fingers. I "He has eluded me. We'll return to The termer sped bv In hie auto to gay, lng minister, Oijneed Auctioneer, tbat she wore on her over Honklty, honklty, honk! Identity and "give Frederick a piece of He noted rlgbt New York. You may as well turn MAIS*. " IPKXD TH1 PLOW.·· And the city man as be went on hie on her Μ.Ι'ΓΗ PARIS. paused way, her mind." In of band a turquoise ring, nnd left, the to me. I shall not be able And barfed for the reanon of all thla dUplay, Yet, somehow, spite goods be saw a Uonklty, honklty, honk I Tabitha her disguise and the darkness of the Keshiono's as she turned tbe pages, to take the thief." on Now the reason fa and I'll tell It to yon, ujmspoadencc pmctlcAJ ajrleultuial topic· plain Frederick seemed of small ring on her little finger. Now. Granger was α countryman, JONKS. *11 communications tn- honklty, honk! night, suspicious H· f Honklty, rest of her was world tor UU department to Hunt τ D He'd aoM hla fall turkey*, and other fowla too. her. If he had been sure It was Aga- Tbe charming person Kaintuck but there are few persons In the S·®"1 And blown the for a motor car new, I 1 j|» Kdltor Oxford Uerc receipts quite concealed by the white linen par- who have not learned the principle Dentist, ^^«IJo^Ajrlcullur*1 Honklty, honklty, bonk I Interferes tha, the girl so soon to become his Garden that Is nine of the MAIN*.
    [Show full text]
  • Federal Register/Vol. 79, No. 211/Friday, October 31, 2014/Notices
    64784 Federal Register / Vol. 79, No. 211 / Friday, October 31, 2014 / Notices FEDERAL HOUSING FINANCE fhfa.gov or 202–658–9266, Office of certified as community development AGENCY Housing and Regulatory Policy, Division financial institutions (CDFIs) are of Housing Mission and Goals, Federal deemed to be in compliance with the [No. 2014–N–13] Housing Finance Agency, Ninth Floor, community support requirements and Federal Home Loan Bank Members 400 Seventh Street SW., Washington, are not subject to periodic community Selected for Community Support DC 20024. support review, unless the CDFI Review 2014–2015 Review Cycle—4th SUPPLEMENTARY INFORMATION: member is also an insured depository institution or a CDFI credit union. 12 Round I. Selection for Community Support CFR 1290.2(e). AGENCY: Federal Housing Finance Review Under the regulation, FHFA selects Agency. Section 10(g)(1) of the Federal Home approximately one-eighth of the ACTION: Notice. Loan Bank Act (Bank Act) requires members in each Bank district for FHFA to promulgate regulations community support review each SUMMARY: The Federal Housing Finance establishing standards of community calendar quarter. 12 CFR 1290.2(a). Agency (FHFA) is announcing the investment or service that Bank FHFA will not review an institution’s Federal Home Loan Bank (Bank) members must meet in order to community support performance until it members it has selected for the 2014– maintain access to long-term Bank has been a Bank member for at least one 2015 Review Cycle—4th Round under advances. See 12 U.S.C. 1430(g)(1). The year. Selection for review is not, nor FHFA’s community support regulations promulgated by FHFA must should it be construed as, any requirements regulation.
    [Show full text]
  • Dante and Giovanni Del Virgilio : Including a Critical Edition of the Text
    Digitized by the Internet Archive in 2007 with funding from IVIicrosoft Corporation http://www.archive.org/details/dantegiovannidelOOdantuoft DANTE AND GIOVANNI DEL VIEGILIO. W^ Dante and Giovanni del Virgilio Including a Critical Edition of the text of Dante's " Eclogae Latinae " and of the poetic remains of Giovanni del Virgilio By Philip H. Wicksteed, M.A. and Edmund G. Gardner, M.A. Solatur maesti nunc mea fata senis Westminster Archibald Constable & Company, Ltd. 1902 GLASGOW: PRINTED AT THE UNIVERSITY PRESS BV ROBERT MACLEHOSB AND CO. TO FRANCIS HENRY JONES AND FRANCIS URQUHART. PREFACE. Our original intention was merely to furnish a critical edition, with a translation and commentary, of the poetical correspondence between Dante and Del Virgilio. But a close study of Del Virgilio's poem addressed to Mussato, with a view to the discovery of matter illustrative of his correspondence with Dante, convinced us that Dante students would be glad to be able to read it in its entirety. And when we found ourselves thus including the greater part of Del Virgilio's extant work in our book, the pious act of collecting the rest of his poetic remains naturally sug- gested itself; and so our project took the shape of an edition of Dante's Latin Eclogues and of the poetic remains of Del Virgilio, The inclusion in our work of the Epistle to Mussato made some introductory account of the Paduan poet necessary ; and his striking personality, together with the many resemblances and contrasts between his lot and that of Dante, encouraged us to think that such an account would be acceptable to our readers.
    [Show full text]
  • The Large Bank Protection Act: Raising the CFPB’S Enforcement and Supervision Asset Threshold Would Place American Consumers at Risk Christopher L
    The Large Bank Protection Act: Raising the CFPB’s Enforcement and Supervision Asset Threshold Would Place American Consumers at Risk Christopher L. Peterson May 3, 2018 1620 Eye Street, NW, Suite 200 | Washington, DC 20006 | (202) 387-6121 | consumerfed.org Executive Summary Congress is currently considering raising the total asset threshold for Consumer Financial Protection Bureau (CFPB) supervision and enforcement of banks from $10 billion to $50 billion. This report analyzes the effect of this change on the number of banks subject to CFPB oversight. Furthermore, this report looks at the CFPB’s enforcement track record in cases against banks within the $10-to-$50-billion-range, and highlights examples of enforcement actions previously taken by the CFPB that would have been impossible if the asset threshold were set at $50 billion under the original Dodd-Frank Act. Raising the CFPB supervision and enforcement threshold from ten to fifty billion dollars would: • Cut the number of banks subject to CFPB supervision and enforcement by 65% from 124 to 43. Currently, 124 out of 5,679 banks are subject to CFPB enforcement. Raising the CFPB oversight threshold to fifty billion dollars would place 81 of the nation’s largest banks beyond the supervisory and enforcement jurisdiction of the CFPB. • Eliminate CFPB oversight of nearly 50 of the largest banks bailed out during the financial crisis. Forty-nine of 81 large banks in the $10 to $50 billion asset range took TARP funds during the Great Recession. After bailing out these banks with taxpayer money, Congress is now considering removing them from the supervision and enforcement authority of the agency designed to prevent some of the same behavior that caused the crisis.
    [Show full text]
  • Annual Report of the Town Officers Of
    182nd ANNUAL REPORT Town of Wakefield — 1993 .*^^ n*^ C cE cLcE cBRj<ftT cE 3 5 Wakefield. r7MaSSachuSettS 1644-1994 < H 0} UJ The cities a. ^^ > c s o 01 1 CO WCNA By C.CS In tf T3 u a> Lake u Urn z B 3 Festival O s oj a; U CO 1 £ CO J iP o »* *"i CM CM u_ = >* jo; Si o cm ro O -Q l/) E E > 5 > <-» U o co O U § a « =£ 11 u OC li £ ^ O u. 3C N> < 5** ^H Q £ "-H CM **i > 1 (0 .5* »^*j CO QJ 3 o CM 8 > i CO ^> CO CD c T3 CD >H 5 CM 8} g •-> > b Jk w CO 5 ? -* B 4, «j 2: CO X 00 3CD h- ^ »» S© »-H CM CM © B «- £ i > c j= <D w> CO - E ? TJ SP .£ fcS* C c o 51* c ^*( 2 if ^ j= £ =3 9i en <p t>* »— CM CM ^h o 9 o > en s 1 c u o CO »£e t: > § "75 (0 OJ o £ T3 u ^ o S 55 r c B 3 X J£» oco C/> 3 | 5 > 5 <~> i_u S 1^ cm Ci SP *-H 1 *->» |CM c5 The illustrations and "advertisements" appearing throughout this Annual Report were selected from rare Wakefield publications of 1876, 1886 and 1894 as well as a Daily Item special edition of 1909. The Wakefield Historical Com- mission's "Wakefield 350" emblem graces the front cover. The illustrations cour- tesy of Mrs. Nancy Bertrand of the Wakefield 350 Committee. r \ 182nd annual report OF THE TOWN OFFICERS OF Wakefield Massachusetts including the vital Statistics for the year ending December thirty-first 1993 v Wakefield Item Press, Wakefield, Mass.
    [Show full text]
  • Saugus-1942.Pdf
    ®nnm of ^augua (Ctmommtealiij nf M&&Bnrtpx&stt& ( TOWN DOCUMENTS One Hundred and Twenty-Seventh ANNUAL REPORT of the Town of Saugus, Mass. FOR THE YEAR ENDING DECEMBER 31, 1942 THE CLIFTONDALE PRESS. SAUKUS LOCAL HISTORY **f. 352 Saugus v. 55 (Sawn of S'augua (tttrntmonfoealtli of (Mnzmdinztttz TOWN DOCUMENTS One Hundred and Twenty-Seventh ANNUAL REPORT of the Town of Saugus, Mass. SAUGUS PUBLIC LIBRARY for 2^<^,ggDf!R? I THE CLIFTONDALK PRESS. SA1 I 1942] ELECTED TOWN OFFICERS Elected Town Officers, 1942 Town Clerk VIOLA G. WILSON Term expires March, 1945 Selectmen GEORGE H. QUARMBY, Chairman Term expires March, 1943 HAROLD P. RICE " " " 1943 WILLIAM S. OLIVER " " " 1943 Assessors ALEXANDER S. ADDISON, Chairman Term expires March, 1943 " " ALBION RAMSDELL RICE " 1944 " " GEORGE H. MASON " 1945 Board of Public Welfare ARTHUR C. DUNK, Chairman Term expires March, 1945 GUSTAVE A. ANDERSON, Secretary " " " 1943 ERNEST M. HATCH " " " 1944 Treasurer HAROLD E. DODGE Term expires March, 1945 Collector of Taxes VIOLA G. WILSON Term expires March, 1945 Trustees of Public Library JOHN B. LANG, Chairman Term expires March, 1943 ALBERT R. MAGEE 1943 CHAUNCEY V. WHITTREDGE 1944 KALER A. PERKINS 1944 WALTER D. BLOSSOM 1945 LEVERETT B. MEARS 1945 Board of Health LEROY C. FURBUSH, Chairman Term expires March, 1943 JAMES A. CLARK " " " 1944 " " RICHARD J. SPENCER " 1945 School Committee GEORGE A. M (/CARRIER, Chairman Term expires March, 1944 HARRY WEXTWORTH " " " 1943 WALDO B. RUSSELL " " " 1943 ANNIE L. HALLIN " " " 1945 WILLIAM STEWART BRAID " " " 1945 4 TOWN DOCUMENTS TDec. 31 Cemetery Commissioners WILLIAM E. LUDDEN Term expires March, 1944 HENRY A. B.
    [Show full text]
  • William Wilson Elizabeth Blackburn
    Tfil-96?J>J DESCENDANTS OF WILLIAM WILSON (1722-1801) AND ELIZABETH BLACKBURN Compiled by C. J. MAXWELL GENEALOGICAL SOCIETY ^ THE CHURCH OF JESUS CHRIST OF LATTER-DAY SAINTS DATE MICROFILM DALLAS, TEXAS \2 Mi* 19 73 1943 ITEM ON ROLL CAMERA NO. SLC-I3- CATALOGUE NO. ^ ai 3V0 tax ' WO 39Cf MIB HB 59b ibfi 33 >rfa • :00 hi Lithoprinted in U.S.A. JJCf EDWARDS BROTHERS, INC, ANN ARBOR, MICHIGAN 1943 i98 .16 •Jtq THE WILLIAM WILSON FAMILY. FOREWORD. For several years it has been my effort to assemble the names of the de­ scendants of William Wilson and Elizabeth Blackburn, who settled finally in what is now Hardy County, West Virginia. The task has been an arduous one with many discouragements, but after much labor it is here presented in the best form pos­ sible under the circumstances. It was my main purpose merely to assemble the names of which there are now over 7,200. It is my guess, (not even an estimate,) that at least 1,500 are not yet included. Many of the "children" disappeared in the early part of the eigh­ teenth century and no further traces have been found. A word as to the accuracy of this list. Please remember all had to be ac­ cumulated by correspondence. In many cases no replies were received and informa­ tion had to be gathered from the best available sources. Very often the data were given from memory. Many of the dates and the spelling of the names have been changed three or four times as later information would come in.
    [Show full text]
  • October 17, 2012 Mr. Robert E. Feldman, Executive Secretary
    October 17, 2012 Mr. Robert E. Feldman, Executive Secretary Attention: Comments/Legal ESS Federal Deposit Insurance Corporation 550 17th Street, NW Washington, DC 20429 Via email at [email protected] Jennifer J. Johnson, Secretary Board of Governors of the Federal Reserve System 20th Street and Constitution Avenue, N.W. Washington, DC 20551 Via email at [email protected] RE: FDIC RIN 3064-AD95, FDIC RIN 3064-AD96, and FDIC RIN 3064-AD97 Dear Mr. Feldman and Ms. Johnson: I am a member of the board of directors of BayCoast Bank (the "Bank") and appreciate the opportunity to comment on the Federal Deposit Insurance Corporations proposed Basel III Notices of Proposed Rulemaking issued in June 2012 requiring all banking organizations to comply with Basel III pronouncements and standardized approach NPR. For the following reasons, I believe that it is my responsibility as a director to let you know that I believe the implementation of this requirement will do great damage not only to our bank, but also to all similar community banks in the country. In addition, it will adversely affect the ability of such banks to provide needed services and products to local people and businesses. At a time when the politics of the moment is correctly focusing on facilitating programs and other methods of assistance for small businesses such as our bank and, more importantly, for our customers, it is unfortunate that this requirement is currently under serious consideration. Bay Coast Bank is a Massachusetts chartered bank established in 1851 that offers a variety of financial services to individuals and businesses through fifteen offices in Southeastern Massachusetts and Rhode Island.
    [Show full text]
  • Examiner Moorefield
    AWARDED for GENERAL EXCELLENCE in ADVERTISING — 2009, 2010, 2011, 2012, 2014, 2015 & in EDITORIAL—2008, 2009, 2010, 2011, 2012, 2015 Heritage Weekend Brightens Page 8B Otherwise Dreary Weekend #2 Cougars Clear Tygarts Valley | #3 Yellow Jackets Cash in on Antoher Summit Bowl Victory Page 1B Established 1845 Wednesday, September 30, 2015 OOREFIELD XAMINER MVOLUME 124 - NUMBER 39 TWO SECTIONS • 16 PAGES 94¢ E USPS 362-300 and Hardy County News OSHA Says Amputation, BOE Sees 2014- Other Injuries at Pilgrim’s 2015 Test Scores By Jean A. Flanagan testing, according to data present- Moorefield Examiner ed by Director of Elementary Cur- riculum Beverly Coppe. Hardy County students had Coppe presented information to Pride Were ‘Preventable’ mixed results with the first year of the Hardy County Board of Edu- the Smarter Balance proficiency Continued on page 7 In less than 60 days, three employee inju- St. and 129 Potomac Ave. in Moorefield. As access. ries – including one worker who suffered the a result, OSHA cited the company on Sept. A third worker had three fingers amputated amputation of three fingers – brought federal 11 for one repeat and three serious violations. when they caught in a blender while removing inspectors to West Virginia poultry processing Proposed fines total $46,825. poultry from the machine on June 15. Smarter Balance Scores facilities operated by Pilgrim’s Pride Corp., On April 28, 2015, an employee contacted “Amputations have lasting professional and one of the world’s largest chicken producers. an unguarded machine shaft while operating a personal consequences – and these injuries 2014-15 School Year U.S.
    [Show full text]
  • 4–14–03 Vol. 68 No. 71 Monday Apr. 14, 2003 Pages 17877–18080
    4–14–03 Monday Vol. 68 No. 71 Apr. 14, 2003 Pages 17877–18080 VerDate Jan 31 2003 18:45 Apr 11, 2003 Jkt 200001 PO 00000 Frm 00001 Fmt 4710 Sfmt 4710 E:\FR\FM\14APWS.LOC 14APWS 1 II Federal Register / Vol. 68, No. 71 / Monday, April 14, 2003 The FEDERAL REGISTER is published daily, Monday through SUBSCRIPTIONS AND COPIES Friday, except official holidays, by the Office of the Federal Register, National Archives and Records Administration, PUBLIC Washington, DC 20408, under the Federal Register Act (44 U.S.C. Subscriptions: Ch. 15) and the regulations of the Administrative Committee of Paper or fiche 202–512–1800 the Federal Register (1 CFR Ch. I). The Superintendent of Assistance with public subscriptions 202–512–1806 Documents, U.S. Government Printing Office, Washington, DC 20402 is the exclusive distributor of the official edition. General online information 202–512–1530; 1–888–293–6498 Single copies/back copies: The Federal Register provides a uniform system for making available to the public regulations and legal notices issued by Paper or fiche 202–512–1800 Federal agencies. These include Presidential proclamations and Assistance with public single copies 1–866–512–1800 Executive Orders, Federal agency documents having general (Toll-Free) applicability and legal effect, documents required to be published FEDERAL AGENCIES by act of Congress, and other Federal agency documents of public interest. Subscriptions: Paper or fiche 202–741–6005 Documents are on file for public inspection in the Office of the Federal Register the day before they are published, unless the Assistance with Federal agency subscriptions 202–741–6005 issuing agency requests earlier filing.
    [Show full text]
  • Indiana State Normal School
    Catalog, 1906-1907 Download date 06/10/2021 10:30:24 Link to Item http://hdl.handle.net/10484/4566 ANNUAL CATALOGUE OF THI!: Indiana State Normal School 1906-1907 TERRE HAUTE, INDIANA Thirty-Eighth Year INDIANAPOLIS WM. B. BURFORD, PRINTER AND BINDER 1907 CONTENTS Page Indiana State Normal School ................. } F t' · .b B 'll' <ron 1sp1ece. N ew L1 rary m c mg ...................... Calendar for 1907-1908. 5 Board of Trustees. 6 Board of Visitors. 7 Standing Committees of the Faculty.... 8 Faenlty Roll. 9 Office Force. 13 Employes. 13 Historical Sketch...... 14 Material Equipment.. 16 New Library Building................................. 17 The Purpose of the School. 18 Miscellaneous Information ..................... :. 22 Division of Year. 22 Credits.......................................... 22 Conditions of Admission .......................... 22 Special Courses .................................. 24 Time for Entering.'............................... 25 Certificates and Diplomas ......................... 26 Discipline of the School. .......................... 26 Dean of 'Vomen .......................... : ...... 27 Expenses . 28 Elective Work.................................... 29 Advanced Standing. 30 Young Men's and Young Women's Christian Associa- tions ..................................... 30 Courses of Study: Course for Class A ........................... 33 Course for Class B ........................... 34 Course for Class C ............................ 35 Course for Teachers of District and Town Schools. 37 {3) 4 INDIANA
    [Show full text]