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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 -
Order Approving the Acquisition of a Savings and Loan Holding Company, the Acquisition of a Federal Savings Bank, the Merger Of
FRB Order No. 2019-10 June 27, 2019 FEDERAL RESERVE SYSTEM Texas Independent Bancshares, Inc. Texas City, Texas Order Approving the Acquisition of a Savings and Loan Holding Company, the Acquisition of a Federal Savings Bank, the Merger of Depository Institutions, and the Establishment of Branches Texas Independent Bancshares, Inc. (“TIB”), Texas City, Texas, a financial holding company within the meaning of the Bank Holding Company Act of 1956 (“BHC Act”),1 has requested the Board’s approval under sections 4(c)(8) and 4(j) of the BHC Act2 to acquire Preferred Bancshares, Inc. (“Preferred”), Houston, Texas, a savings and loan holding company, and thereby indirectly acquire Preferred Bank, Houston, Texas, a federal savings bank. Following the proposed acquisition, Preferred would be merged into TIB.3 In addition, TIB’s subsidiary state member bank, Texas First Bank, Texas City, Texas, has requested the Board’s approval to merge with Preferred Bank, pursuant to section 18(c) of the Federal Deposit Insurance Act (“Bank Merger Act”),4 with Texas First Bank as the surviving entity. Texas First Bank also has applied under section 9 of the Federal Reserve Act (“FRA”)5 to establish and operate branches at the main office and branches of Preferred Bank. 1 12 U.S.C. § 1841 et seq. 2 12 U.S.C. §§ 1843(c)(8) and (j). 3 TIB has formed a merger subsidiary that would merge with Preferred, with Preferred as the surviving entity. Preferred would then merge into TIB. 4 12 U.S.C. § 1828(c). 5 12 U.S.C. § 321; see 12 CFR 208.6. -
Social Issues in Selected Recent Mergers and Acquisitions Transactions 2004-2020 Supplement
SOCIAL ISSUES IN SELECTED RECENT MERGERS AND ACQUISITIONS TRANSACTIONS 2004-2020 SUPPLEMENT By: Michael T. Holick, Esq. Jun Won Kim, Esq. Justin Stone May 5, 2020 ____________ Copyright © 2020 Simpson Thacher & Bartlett LLP. All Rights Reserved. Mr. Holick is a member, Mr. Kim is an associate and Mr. Stone is a law clerk, of the firm of Simpson Thacher & Bartlett LLP. The authors would like to acknowledge Robert E. Spatt, who authored eight versions of this memorandum during his time as a leading M&A partner of Simpson Thacher & Bartlett LLP—his invaluable leadership, guidance and years of dedication to this memorandum will be long remembered! Also, as a renowned scholar, Mr. Spatt has published various articles on M&A subjects and regularly serves as a faculty member for leading M&A seminars and institutes as the Co- Chairman Emeritus of the Tulane Corporate Law Institute, one of the country’s leading M&A institutes. All or part of this article may have been or may be used in other materials published by the authors or their colleagues. Simpson Thacher & Bartlett LLP Social Issues In Selected Recent Mergers And Acquisitions Transactions 2004-2020 Supplement This memorandum is a supplement of an earlier memorandum (the “April 2004 Memorandum”), attached as Exhibit I, prepared by attorneys at Simpson Thacher & Bartlett LLP, that addressed social issues in selected 2003 and early 2004 mergers and acquisitions transactions (and which in turn updated a prior memorandum covering earlier periods). Readers should review the April 2004 Memorandum for a substantive review of the issues and concepts applicable to this analysis. -
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. -
The Mission to Serve Our Communities Has Rarely Been More Important Than in This Uncharted Time
The mission to serve our communities has rarely been more important than in this uncharted time. May the gift of wisdom and the spirit of optimism guide us in fulfilling that mission in 2009. We wish you and yours a blessed holiday season as well as peace and prosperity in the coming year. Bankers Digest P E O P L E NEW MEXICO ARIZONA TEXAS Cox Is President/CEO, Hickel Joins Paradise Castillo Is President, Bank’34, Alamogordo Valley Bank as Pres/CEO First United McKinney Karlon Cox has joined Bank’34 in Al- Gary Hickel has joined Paradise Valley First United Bank CEO Greg Massey amogordo as president and CEO. The Bank (proposed), Scottsdale, as presi- recently announced that Dean Castillo career banker pre- dent and CEO. Pri- has joined the bank viously served as or to joining Para- as president of its president/manag- dise Valley Bank, he McKinney market. ing officer of Alamo served as president Castillo joins National Bank, the and CEO of Bank First United Bank Alamogordo bank- USA, N.A., in the after serving as ing center of First Phoenix area. He market president National Bank, Ar- was appointed in for Irving-based In- tesia. 2006. Hickel earlier dependent Bank of Cox served as president Castillo Texas in Frisco. He Cox succeeds Hickel Miles Ledgerwood of Valley First Com- previously served who retired after 25 years of service munity Bank in Scottsdale. as Frisco branch president of Texas with BANK’34/Alamogordo Federal Hickel earned an MBA degree from Republic Bank, Quanah/Security Na- Savings & Loan Association. -
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 -
SBA Participating 7A Lenders in Colorado (Colorado Based Lenders in Bold)
SBA Participating 7a Lenders in Colorado (Colorado Based Lenders in Bold) 5 Star Bank Canvas CREDIT UNION Accion Canvas CREDIT UNION Adams Bank & Trust Celtic Bank Corporation Alamosa State Bank Champion Bank Alpine Bank Choice Financial Group America First FEDERAL CREDIT UNION CIBC Bank USA American Bank of Commerce Citizens Bank Ameris Bank Citywide Banks AMG National Trust Bank CoastalStates Bank ANB Bank Colorado Lending Source, Ltd. Atlantic Capital Bank, National Association Commerce Bank Bank of America, National Association Commonwealth Business Bank Bank of Colorado Community Banks of Colorado, A Division of Bank of Estes Park Crestmark Bank Bank of George CRF Small Business Loan Company, LLC Bank of Hope Custer Federal State Bank Bank of the West Del Norte Bank BankUnited, National Association Denver Community CREDIT UNION BBVA USA Denver Investment Advisors LLC Bellco CREDIT UNION Dubuque Bank and Trust Company Berkshire Bank Ent CREDIT UNION BOKF, National Association Evergreen National Bank Busey Bank Evolve Bank & Trust Byline Bank Farmers & Stockmens Bank Cache Bank & Trust Farmers Bank Cache Valley Bank Farmers State Bank Cadence Bank, National Association Farmers State Bank of Calhan Fidelity Bank, A Division of Hanmi Bank Fifth Third Bank High Country Bank First American State Bank High Plains Bank First Bank Home Loan State Bank First Bank Financial Centre HomeTrust Bank First Business Bank Immito, LLC First Colorado National Bank InBank First FarmBank IncredibleBank First Financial Bank Independence Bank First Home -
Top Investors Dallas Regional Chamber
DALLAS REGIONAL CHAMBER | TOP INVESTORS DALLAS REGIONAL CHAMBER REGIONAL DALLAS JBJ Management Norton Rose Fulbright Silicon Valley Bank The Fairmont Hotel Top Investors JE Dunn Construction NTT DATA Inc. Simmons Bank The Kroger Co. Jim Ross Law Group PC Omni Dallas Hotel Slalom The University of The Dallas Regional Chamber (DRC) recognizes the following companies and organizations for their membership investment at JLL Omniplan, Inc. Smoothie King Texas at Arlington one of our top levels. Companies in bold print are represented on the DRC Board of Directors. For more information about the Jones Day Omnitracs, LLC SMU - Southern Methodist Thompson & Knight LLP University benefits of membership at these levels call (214) 746-6600. JPMorgan Chase & Co. Oncor Thompson Coburn Southern Dock Products Katten Muchin Rosenman LLP On-Target Supplies Thomson Reuters Southern Glazer’s Wine and KDC Real Estate Development & & Logistics Ltd TIAA Spirits 1820 Productions Bell Nunnally Crowe LLP Google Investments Options Clearing Corporation T-Mobile | Southwest Airlines 4Front Engineered Solutions BGSF CSRS goPuff TOP INVESTORS Ketchum Public Relations Origin Bank Tom Thumb - Albertsons 7-Eleven, Inc. Billingsley Company CyrusOne Granite Properties Southwest Office Systems, Inc. Kilpatrick Townsend ORIX Corporation USA Town of Addison A G Hill Partners LLC BKD LLP Dallas Baptist University Grant Thornton LLP & Stockton LLP Spacee Inc. OYO Hotels and Homes Toyota Motor North America ABC Home & Commercial bkm Total Office of Texas Dallas College Green Brick Partners Kimberly-Clark Corporation Spectra Pacific Builders Transworld Business Advisors - Services Kimley-Horn and Associates Spencer Fane LLP Blackmon Mooring & BMS CAT Dallas Cowboys Football Club Greenberg Traurig Pape-Dawson Downtown Dallas Accenture Ltd. -
Mclagan U.S. Commercial & Multifamily Real Estate Finance
McLagan U.S. Commercial & Multifamily Real Estate Finance Compensation Survey Our comprehensive survey report provides key data on professionals across the major functions/ areas within the Commercial Real Estate Finance industry. Our process enables us to collect data by function, specialization, and business or product group. Our survey collects data on an incumbent-level basis for professionals across major We’re here to functions and roles within the commercial and multifamily real estate finance industry. empower results Contact our team today to Survey elements include: Survey scoping factors include: learn more about McLagan’s survey products. • Base Salary • Long-term / Deferred • Total Cash • Geographic Region • Bonus % of Salary Awards • Total Compensation • Number of Employees Dave Rosenthal • Cash Bonus • Overtime 1.203.326.4349 • Commissions [email protected] For more information on We focus on key positions: McLagan, visit mclagan.aon.com • Asset Pricing & Appraisal • Loan Operations • Physical Asset Management • Commercial Mortgage Backed Securities • Loan Origination • Portfolio Management • Divisional Management • Loan Servicing • Product Specialist • Investor Reporting • Loan Workout • Syndications • Loan Closing • Mezzanine Finance • Underwriting • Loan Documentation & Processing • Multifamily & Affordable Housing Key dates Global benchmarking and advisory solutions customized to your business needs February - March Access to MBA HR Symposium: McLagan presents key human capital trends as part of the roundtable. This HR Symposium, hosted Survey launch / matching calls by the MBA, also serves as a forum to network with colleagues throughout the mortgage banking industry. Data collection is distributed Advisory Solutions: Our consulting approach is customized by project and includes functional benchmarking, pay and performance April analysis, incentive plan review and design, cost to market analysis, and custom market practice studies. -
Transocean Inc
www.deepwater.com Taking A Closer Look At Transocean CONTENTS Transocean Fleet Map Shareholders’ Letter Notice of 2003 Annual General Meeting and Proxy Statement 2002 Annual Report to Shareholders ABOUT TRANSOCEAN INC. Transocean Inc. is the world's largest offshore drilling contractor with more than 150 full or partially owned and managed mobile offshore drilling units, inland drilling barges and other assets utilized in the support of offshore drilling activities worldwide.The company's mobile offshore drilling fleet is considered one of the most modern and versatile in the world with 31 high-specification semisubmersibles and drillships, 27 other semisubmersibles, two other drillships and 55 jackup drilling rigs.Transocean Inc. specializes in technically demanding segments of the off- shore drilling business, including industry-leading positions in deepwater and harsh environment drilling services. Since launching the offshore drilling industry's first jackup drilling rig in 1954,Transocean has achieved a long history of technological "firsts." These innovations include the first dynamically positioned drillship, the first rig to drill year- round in the North Sea, the first semisubmersible for sub-Arctic, year-round operations and the latest generation of ultra-deepwater semisubmersible rigs and drillships. A Cayman Islands company,Transocean has approximately 13,200 employees worldwide. Principal executive U.S. offices are at 4 Greenway Plaza, Houston,Texas 77046,where the telephone number is 713.232.7500. With the largest equity market capitalization among all offshore drilling companies in excess of $7 billion at February 28, 2003, the company's ordinary shares are traded on the New York Stock Exchange under the symbol "RIG." Transocean:We're never out of our depth.® About the Cover: For the second consecutive year,Transocean Inc.