U.S. Small Business Administration Small Business Resource Guide
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Results 2020 4Q20 #Youarethevaccine
Results 2020 4Q20 #YouAreTheVaccine We address the challenges faced by banks with a sound CET1 fully-loaded (*) LCR / NSFR capital and liquidity position reinforced by the sale agreement of our subsidiary in the United States 14.58% 149% / 127% (*) Pro-forma: including the positive impact from the sale of BBVA USA. We support the community to protect We use technology to promote the health and wellbeing of all new ways of working Hybrid model more exible M +€35 +€11M Donated for the ght Donated by customers against the pandemic and employees Onsite Remote working 123,174 working employees We oer nancial support to to our customers to relief We rely on employees committed with our Purpose, their nancial burden and to help them in their recovery to bring the age of opportunities to everyone, and with our values Deferrals and repayment exibility More funding and liquidity and loans with government support Customer We think We are Continuous drive of digital channels comes rst big one team € We have digital advisory tools to help our customers to We help our clients transition improve their nancial health toward a sustainable future Pledge 2025 To mobilize €100 Billion Companies Individual customers Mobilized Lo €50,000M approx. We help our customers in cumulated since 2018 their lives and in their businesses Digital Mobile Digital customers customers sales 63% 59% 64% Another milestone in our (% penetration) (% penetration) (% of total unit sold) commitment to sustainability We face 2021 with an unparalleled position of strength to invest -
Annual Report
2011 Corporate Responsibility Annual Report This is BBVA Compass’ fourth Corporate Responsibility annual report, and it contains information on the organization’s related performance during calendar year 2011. This report, as was the case in both 2010 and 2009, includes only BBVA Compass content — which is in contrast to the 2008 report’s inclusion of significant amounts of data introducing the BBVA Group. Its focus is on issues deemed significant by our stakeholders in light of the current global economic environment. Our approach transparently displays the nature of BBVA Compass’ main commitments and operations, both as a financial services institution in the United States and as a member of the BBVA Group (BBVA), a premier global financial services institution. This report has been prepared at Global Reporting Initiative G3 (GRI) Application level B and was also independently reviewed to achieve level B+. The 2011 report is available as a single electronic document to reduce paper consumption and to be aligned with the environmental initiative of the bank. A printed Executive Summary of this report is available upon request. 2011 BBVA Compass Corporate Responsibility Annual Report Contents 3 Contents and Introduction 4 Letter from the U.S. Country Manager and BBVA Compass President and CEO 5 Profile 8 Stakeholder Engagement 10 Corporate Responsibility Principles and Policy 13 Financial Inclusion 17 Responsible Finance 20 Responsible Banking 31 Responsible Management of Human Resources 41 Responsible Procurement 44 Environmental Management -
DBE Program 11.07.19
City of Springfield, Ohio Disadvantaged Business Enterprise Program for FTA-assisted Projects MEMORANDUM TO : BRYAN L. HECK, CITY MANAGER FROM: SHANNON L. MEADOWS, COMMUNITY DEVELOPMENT DIRECTOR DATE: NOVEMBER 6, 2019 RE: DISTRIBUTION OF DBE PROGRAM FOR FTA-ASSISTED PROJECTS The City of Springfield, through its Department of Community Development and in partnership with the Department of Finance, has drafted and submitted to the Federal Transit Administration a new Disadvantaged Business Enterprise Program FTA-assisted Projects document. This plan document is to be distributed, along with the City of Springfield’s Policy Statement, to the Springfield City Commission; Senior Staff of each department within the City organization; as well as DBE and non-DBE business communities that perform work for the City of FTA-assisted contracts. Additionally, the City’s Program and it’s associated DBE Policy shall be placed on the city’s website at www.springfieldohio.gov/SCAT . Within the Program and Policy document, you will find the stated objectives for the City’s DBE Program for FTA-assisted Projects: 1. To ensure nondiscrimination in the award and administration of FTA-assisted contracts; 2. To create a level playing field on which DBEs can compete fairly for FTA-assisted contracts; 3. To ensure that the DBE Program is narrowly tailored in accordance with applicable law; 4. To ensure that only firms that fully meet 49 CFR Part 26 eligibility standards are permitted to participate as DBEs; 5. To help remove barriers to the participation of DBEs in FTA-assisted contracts; 6. To assist the development of firms that can compete successfully in the market place outside the DBE Program; 7. -
FY 19 4Th Quarter & FYE Lender Ranking
LOS ANGELES DISTRICT OFFICE 7(a) and 504 Lender Ranking Report Fiscal Year 2019 - Q4 (10/1/18 - 9/30/19) 7(a) Loan Program 504 Loan Program 1 U.S. Bank, National Association 184 $23,757,600 67 Mega Bank 5 $1,672,000 1 CDC Small Business Finance Corporation* 94 $98,783,000 2 JPMorgan Chase Bank, National Association 174 $44,541,500 68 PCR Small Business Development*++ 5 $821,000 2 Business Finance Capital*++ 92 $109,382,000 3 Bank of Hope++ 167 $60,333,000 69 Poppy Bank 4 $8,690,000 3 California Statewide Certified Development* 84 $67,087,000 4 Wells Fargo Bank, National Association 155 $36,193,900 70 Wallis Bank 4 $7,542,000 4 Mortgage Capital Development Corporation 38 $39,865,000 5 First Home Bank 104 $22,494,000 71 BBVA USA 4 $5,926,300 5 Advantage Certified Development Corporation 15 $17,387,000 6 East West Bank++ 61 $33,406,500 72 Pacific Mercantile Bank 4 $4,927,000 6 Southland Economic Development Corporation 14 $14,297,000 7 Pacific City Bank++ 60 $50,311,500 73 Pacific Western Bank++ 4 $4,165,000 7 So Cal CDC++ 11 $22,780,000 8 CDC Small Business Finance Corporation* 55 $8,763,500 74 OneWest Bank, A Division of 4 $4,013,000 8 AMPAC Tri-State CDC, Inc. 10 $7,235,000 9 MUFG Union Bank, National Association 50 $75,482,600 75 IncredibleBank 4 $2,123,600 9 Coastal Business Finance++ 6 $3,666,000 10 Hanmi Bank++ 50 $30,864,000 76 Kinecta FCU++ 4 $862,000 10 Enterprise Funding Corporation 2 $2,980,000 11 Commonwealth Business Bank++ 47 $38,305,000 77 Montecito Bank & Trust++ 4 $503,900 11 San Fernando Valley Small Business Development++ 2 $1,046,000 12 Celtic Bank Corporation 44 $14,667,300 78 Meadows Bank 3 $5,091,000 12 Superior California Economic Development 1 $2,111,000 13 Independence Bank 40 $5,725,000 79 Banner Bank 3 $2,175,000 13 Capital Access Group, Inc. -
Free Checking Promo 200 Disclosure | Alabama | BBVA
BBVA Free Checking Account Disclosure - Alabama Minimum Deposit Needed $25 to Open Account Monthly Service Charge $0 (Monthly Fee) Requirements to Waive N/A Monthly Service Charge Interest-Bearing NO ATM Fees Charged by BBVA $0 For using an ATM in BBVA's ATM network $3 For using an ATM outside of BBVA's ATM network Insufficient Funds (NSF) $38 Per returned item presented Charge - Returned Item against insufficient funds (see maximum penalty fee ACCOUNT OPENING AND number below) USAGE Deposit Item Returned Fee $15 For each item that you deposit that is rejected by the payor bank ($25 for foreign items) Stop Payment Fee $32 Per request made in a branch or by telephone to stop payment of an item $25 Per request made online to stop payment on a check Early Account Closing Fee $0 If account closed within 180 days of opening Dormant Account Fee $5 Per statement cycle Other Service Fees Please consult your account disclosure for a list of additional service fees Option A: (Default) No Overdraft Service If you choose not to opt in to our Courtesy Overdraft Option service or any other overdraft service, ATM and everyday debit card transactions that would cause an overdraft may be declined at no cost to you. Option B: Linked Inter-Account $12 Per day in which an Account Overdraft Transfer Fee overdraft is covered Sweep Service (Overdraft Transfer by a transfer from a Fee) linked savings account Option C: Overdraft Overdraft Protection $12 Per day in which an Line of Credit* Fee overdraft is covered (Overdraft Transfer by a transfer from a Fee) linked line of credit (subject to approval, including credit approval) Option D: Courtesy Insufficient Funds $38 Per overdraft item Overdraft Option Charge - Paid Item covered by the bank Fee (Overdraft Penalty Fee) Insufficient Funds (NSF) Charge – Paid Item Fee is not charged on an item that causes the available balance on your account to be overdrawn by $1.00 or less. -
BBVA Business Choice Checking Account Disclosure | Florida | BBVA
BBVA Business Choice Checking Account Disclosure - Florida Minimum $100 Opening Deposit Monthly $15 Service Charge Requirements 1) A minimum average daily collected balance of $5,000 per to avoid month; or monthly 2) $5,000 or more in monthly merchant processing with BBVA; or Service Charge 3) Enrollment in BBVA For Your Causeâ„ (subject to eligibility) Interest- No Bearing ATM Fees $0 For using an ATM in BBVA USA's ATM network Charged by BBVAUSA $3 For using an ATM outside of BBVA USA's ATM network Early Account $25 If account closed within 180 days of opening Closing Fee Stop $32 Per request made in a branch or by telephone to stop payment of Payment Fee an item ACCOUNT OPENING AND USAGE $25 Per request made online to stop payment on a check Excess $0.50 Excess Transaction Fee will be charged for each transaction 1over Transaction the monthly limit of 250. An additional 250 transactions (total of Fee 500 per month) available as a Premium Feature. Branch Cash $0.003 $10,000 in cash processing per month at no charge. An additional Deposit Fees $5,000 per month available as a Premium Feature. A charge of $0.003 will apply for each dollar deposited above the $10,000 monthly cash processing limit. For example, if you deposit $1,000 more than your monthly limit, you will be charged a $3.00 Branch Cash Deposit Fee. Paper $3 Per statement cycle to receive monthly statements by mail. These Statement statements will not include images of cancelled checks. You can Fee avoid the Paper Statement Fee by turning off paper statements and receiving your account statements electronically through Online Banking. -
Alpha ELT Listing
Lienholder Name Lienholder Address City State Zip ELT ID 1ST ADVANTAGE FCU PO BX 2116 NEWPORT NEWS VA 23609 CFW 1ST COMMAND BK PO BX 901041 FORT WORTH TX 76101 FXQ 1ST FNCL BK USA 47 SHERMAN HILL RD WOODBURY CT 06798 GVY 1ST LIBERTY FCU PO BX 5002 GREAT FALLS MT 59403 ESY 1ST NORTHERN CA CU 1111 PINE ST MARTINEZ CA 94553 EUZ 1ST NORTHERN CR U 230 W MONROE ST STE 2850 CHICAGO IL 60606 GVK 1ST RESOURCE CU 47 W OXMOOR RD BIRMINGHAM AL 35209 DYW 1ST SECURITY BK WA PO BX 97000 LYNNWOOD WA 98046 FTK 1ST UNITED SVCS CU 5901 GIBRALTAR DR PLEASANTON CA 94588 W95 1ST VALLEY CU 401 W SECOND ST SN BERNRDNO CA 92401 K31 360 EQUIP FIN LLC 300 BEARDSLEY LN STE D201 AUSTIN TX 78746 DJH 360 FCU PO BX 273 WINDSOR LOCKS CT 06096 DBG 4FRONT CU PO BX 795 TRAVERSE CITY MI 49685 FBU 777 EQUIPMENT FIN LLC 600 BRICKELL AVE FL 19 MIAMI FL 33131 FYD A C AUTOPAY PO BX 40409 DENVER CO 80204 CWX A L FNCL CORP PO BX 11907 SANTA ANA CA 92711 J68 A L FNCL CORP PO BX 51466 ONTARIO CA 91761 J90 A L FNCL CORP PO BX 255128 SACRAMENTO CA 95865 J93 A L FNCL CORP PO BX 28248 FRESNO CA 93729 J95 A PLUS FCU PO BX 14867 AUSTIN TX 78761 AYV A PLUS LOANS 500 3RD ST W SACRAMENTO CA 95605 GCC A/M FNCL PO BX 1474 CLOVIS CA 93613 A94 AAA FCU PO BX 3788 SOUTH BEND IN 46619 CSM AAC CU 177 WILSON AVE NW GRAND RAPIDS MI 49534 GET AAFCU PO BX 619001 MD2100 DFW AIRPORT TX 75261 A90 ABLE INC 503 COLORADO ST AUSTIN TX 78701 CVD ABNB FCU 830 GREENBRIER CIR CHESAPEAKE VA 23320 CXE ABOUND FCU PO BX 900 RADCLIFF KY 40159 GKB ACADEMY BANK NA PO BX 26458 KANSAS CITY MO 64196 ATF ACCENTRA CU 400 4TH -
BBVA Sells U.S. Subsidiary to PNC for $11.6 Billion
BBVA Compass Investor Relations BBVA sells U.S. subsidiary to PNC for $11.6 billion MADRID, Nov. 16, 2020 /PRNewswire/ -- BBVA has agreed to sell to PNC its subsidiary in the U.S. for $11.6 billion (€9.7 billion1) in cash, an amount that represents 19.7 times the unit's 2019 earnings2, and that is almost 50% of BBVA's current market capitalization, creating significant value for shareholders. The transaction will have a positive impact on BBVA's fully loaded CET1 ratio of c.300 basis points, or €8.5 billion of CET1 generation. "This is a very positive transaction for all sides. PNC has recognized the great value of our unique client franchise and of our great team in the US, who will be part of a leading financial services group in the country," said BBVA Group executive chairman Carlos Torres Vila. "The deal enhances our already strong financial position. We will have ample flexibility to profitably deploy capital in our markets strengthening our long-term growth profile and supporting economies in the recovery phase, and to increase distributions to shareholders." In the U.S., BBVA is a Sunbelt-based bank with more than $100 billion in assets and 637 branches, with leading market shares in Texas, Alabama and Arizona. After the closing of the transaction, PNC, based in Pittsburgh, Pennsylvania, will become the country's fifth-largest bank by assets. The transaction excludes the broker dealer (BBVA Securities) and the branch in New York, through which BBVA will continue to provide corporate & investment banking services to its large corporate and institutional clients. -
480357300.00
LOS ANGELES DISTRICT OFFICE Lender Ranking Report 7(a) and 504 Loan Programs Fiscal Year 2018 - 1st Quarter (YTD) (10/01/2017 - 12/31/2017) 7(a) Loan Program 1 WELLS FARGO BANK, N.A. 75 $46,434,400 60 Byline Bank 1 $3,400,000 2 JPMORGAN CHASE BANK, N.A. 65 $17,434,700 61 MidFirst Bank 1 $2,596,000 3 BANK OF HOPE 40 $25,544,400 62 Pacific Western Bank 1 $2,421,000 4 East West Bank 29 $9,327,000 63 Cathay Bank 1 $2,210,000 7(a) LOAN TOTALS 5 U.S. Bank, N.A. 28 $5,779,200 64 First-Citizens Bank & Trust Company 1 $1,980,000 591 Loans 6 First Home Bank 18 $3,998,000 65 Community Bank of the Bay 1 $1,866,000 7 Celtic Bank Corporation 18 $3,466,600 66 Partners Bank of California 1 $1,750,000 Valued at: $375,199,300 8 Live Oak Banking Company 14 $22,946,000 67 United Pacific Bank 1 $1,650,000 9 Uniti Bank 14 $15,405,000 68 Meadows Bank 1 $1,601,500 10 Seacoast Commerce Bank 13 $14,323,300 69 Citizens Business Bank 1 $1,600,000 11 Pacific City Bank 13 $13,189,000 70 T Bank, N.A. 1 $1,452,000 504 LOAN TOTALS 12 Bank of the West 13 $13,023,800 71 Community Valley Bank 1 $954,400 81 Loans 13 Commonwealth Business Bank 11 $14,453,000 72 Umpqua Bank 1 $823,000 14 Open Bank 10 $4,784,500 73 Commerce Bank of Temecula Valley 1 $655,000 Valued at: $105,158,000 15 Citibank, N.A. -
BBVA Easy Checking Florida | BBVA
Easy Checking Account Account Disclosure - Florida Minimum Deposit $25 Needed to Open Account Monthly Service Charge $13.95 (Monthly Fee) Interest-Bearing No ATM Fees Charged by $0 For using an ATM in BBVA USA’s ATM network BBVA USA $3 For using an ATM outside of BBVA USA's ATM network. Insufficient Funds (NSF) $38 Per returned item presented against insufficient funds Charge - Returned Item (see maximum penalty fee number below) ACCOUNT OPENING AND USAGE Deposit Item Returned $15 For each item that you deposit that is rejected by the Fee payor bank ($25 for foreign items) Stop Payment Fee $32 Per request made in a branch or by telephone to stop payment of an item $25 Per request made online to stop payment on a check Early Account Closing Fee $25 If account closed within 180 days of opening Dormant Account Fee $5 Per statement cycle Other Service Fees Please consult your account disclosure for a list of additional service fees, including the Paper Statement Fee Option A: No If you choose not to opt in to our Courtesy Overdraft (Default) Overdraft Option service or any other overdraft service, ATM and Service everyday debit card transactions that would cause an overdraft may be declined at no cost to you. Option B: Inter- $12 Per day in which an overdraft is covered by a transfer Linked Account from a linked savings account. Account Transfer Overdraft Fee Sweep (Overdraft Service Transfer Fee) Option C: Insufficient $38 Per overdraft item covered by the bank. Courtesy Funds Overdraft Charge - Insufficient Funds (NSF) Charge – Paid Item Fee is not Option* Paid Item Fee charged on an item that causes the available balance on (Overdraft your account to be overdrawn by $1.00 or less. -
Convenience Checking | Florida | BBVA
Convenience Checking Account Account Disclosure - Florida Minimum Deposit $25 Needed to Open Account monthly Service $9 Charge (Monthly Fee) Requirements to The monthly Service Waive the monthly Charge will not Service Charge: apply for statement cycles when at least one of the following requirements are met: Receive one or more electronic Direct Deposit(s) of your paycheck, pension, or government benefits (such as Social Security) from your employer or the government totaling $500 or more in a calendar month. Qualifying electronic Direct Deposits do not include payments received into your account from payment apps such as PayPal, Venmo and other similar payment service providers. Maintain an Average Daily Collected Balance* of $1,500 or more in this account. *Average Daily Collected Balance: the average of all daily collected balances in your account during the statement cycle. Collected Balance: is your account balance ACCOUNT minus any funds you OPENING AND have deposited that USAGE have not been collected from the financial institution on which the deposited funds are drawn. Interest-Bearing NO ATM Fees Charged $0 For using an ATM in by BBVA USA BBVA USA's ATM network $3 For using an ATM outside of BBVA USA's ATM network No BBVA USA charge for 1 transaction per statement cycle. PLUS, 1 automatic rebate of other banks' ATM fees per statement cycle; rebates will be credited to your account at the end of each statement cycle. Service fees charged by other banks and ATM owners still apply; however, there will be no charge for use of an ATM in the Allpoint® or 7-Eleven® networks. -
BBVA Money Market Account Disclosure | Texas | BBVA
BBVA Money Market Account Disclosure - Texas Minimum $25 Deposit Needed to Open Account Monthly Service $15 Charge (Monthly Fee) Ways to avoid Daily Collected Balance of at least $10,000 in this account; monthly Service or Charge Have an automatic, recurring monthly transfer of at least $25 from a BBVA checking account to your savings account when the Service Charge would be assessed. Does the Yes Interest is earned on the entire account balance. For additional account earn interest rate and interest calculation information, see the interest? account disclosures and Relationship Summary Form. How often will Monthly statement be available? Excess $10 Charged for each withdrawal over 6 per statement cycle ACCOUNT OPENING AND Transaction Fee USAGE Insufficient $38 For each paid item presented against insufficient funds (NSF) Funds Charge- Paid Insufficient Funds (NSF) Charge – Paid Item Fee is not charged Item on an item that causes the available balance on your account to be overdrawn by $1.00 or less. Insufficient $38 For each returned item presented against insufficient funds (NSF) Funds Charge- Returned Item Deposit Item $15 For each item that you deposit that is rejected by the payor Returned Fee bank ($25 for foreign items) Stop Payment $32 Per request made in a branch or by telephone to stop payment Fee of an item $25 Per request made online to stop payment on a check Early Account $25 If account closed within 180 days of opening Closing Fee Other Service Please consult your account disclosure for a list of additional Fees service fees Certain withdrawal transactions from savings and money market accounts may result in the account being reclassified as non-interest bearing if limits are exceeded.