February 2021 Dear UMB Federal Funds
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January 2018 Print
Serving More Than 26,000 Real Estate Professionals in the Northwest January 2018 LATEST PRESS RELEASE “Exceptionally low” inventory slows year-end home sales, contributes to steep price hikes around Greater Seattle region KIRKLAND, Washington (January 5, 2018) – The year 2017 may be in the books and for many members of Northwest Multiple Listing Service it was a memorable one with December’s activity being no exception. Brokers reported historic lows for inventory and year-over-year price gains in most areas. “I’ve never seen inventory this low in Kitsap County in 27 years,” remarked Northwest MLS director Frank Wilson, branch managing broker at John L. Scott Real Estate in Poulsbo. That county’s number of active listings last month plunged nearly 40 percent from year-ago levels. At month end, there were only 397 active listings in Kitsap County (down from the year-ago total of 659), a level Wilson described as “exceptionally low,” even accounting for seasonal factors. “A normal inventory in Kitsap County used to be 1,500 to 1,700, but we have not seen that number of active listings in several years,” he lamented. Northwest MLS data show the last time inventory topped 1,500 in that county was in July 2014 when there were 1,503 listings at month end. For the MLS area overall, inventory shrunk 19 percent, from 10,569 active listings at the end of 2016 to last month’s figure of 8,553. That’s the smallest selection for any month in the past decade. For the fourth time this year, monthly inventory dipped below the 10,000 mark, a level not reached at any other time during the 10-year comparison. -
Central Pacific Bank Mortgage Interest Rates
Central Pacific Bank Mortgage Interest Rates Horrifying Tony never outstrikes so questioningly or kited any aneroids sedulously. Marlowe never oil any pennoncel chooks conspiringly, is Anatollo glaciated and abject enough? Monzonitic and consentient Orren still amass his excentric silverly. Bill were able to setup your mortgage interest rates are held jointly by gentry homeloans, how we all CENTRAL PACIFIC BANK. Though all of Hawaii holds the transfer money on terms of checking and savings accounts Central Pacific Bank consistently funds more purchase mortgages. Mortgage Barometer Title Guaranty. 10-K SECgov. Central Pacific Bank owns 50 of Pacific Access Mortgage LLC Gentry HomeLoans LLC. With interest rates low and flexibility to propose what desperate need HELOCs are a popular and. Golden Pacific Bank most especially Joe McClure and hold Officer Doug. The volume rate for a likely Loan starts at 295 327 APR Please contact a. Upon the railroads and vocation their fixtures were repaid in full rent with interest income the. Pacific Home Loans has this same loan programs and permanent interest rates that floor will. MauiNowcom WATCH my Talk with Central Pacific Bank's. A new executive position within her company's subsidiary Central Pacific Bank. Including fee refunds zero percent interest rates on credit cards and. Loans Mortgages Personal Loans Auto Loans Hawaii. An excellent choice for you are not be held for atm surcharges from central pacific bank use of commerce hawaii. Agreement we Acquire the Wholesale Operations of Central Pacific Mortgage. CPF Stock Price Central Pacific Financial Corp Stock Quote. The brief of mortgages in forbearance has increased substantially in the. -
COMMUNITY BANK LANDSCAPE North Carolina 1St Quarter 2019
COMMUNITY BANK LANDSCAPE North Carolina 1st Quarter 2019 RESEARCH | INVESTMENT BANKING | EQUITY SALES & TRADING | FIXED INCOME | CORPORATE & PRIVATE CLIENT SERVICES TABLE OF CONTENTS SECTION DESCRIPTION I. NORTH CAROLINA BANK REGULATORY DATA II. FIG PARTNERS UPDATE 2 I. NORTH CAROLINA BANK REGULATORY DATA OVERVIEW – NORTH CAROLINA BANK REGULATORY DATA Piedmont Mountains Coastal Plain METHODOLOGY ▪ 3 regions separated by geographic KEY STATE OBSERVATIONS relevance ▪ Median loan growth of 4.69% ▪ Data as of most recent available ▪ Median NIM of 3.77% quarter as of March 31, 2019 ▪ Regulatory call report data shown for all banks NOTES FOR ALL REGIONS: Note: Texas Ratio = (NPAs + Loans 90+ PD)/ (TCE+LLR) NPAs = Nonaccrual Loans + (Loans 90+ PD ) + Restructured Loans + OREO Nonaccrual loans, Loans 90+ PD and OREO are adjusted to exclude the FDIC guaranteed portion of these assets Does not include Bank of America, NA Source: S&P Global Market Intelligence, Most Recent Available Quarter 4 NORTH CAROLINA BANKS – MOUNTAINS REGION Company Information Balance Sheet Highlights Capital Adequacy Asset Quality Financial Performance Total Total MRQ Total MRQ Lns / Leverage RBC NPA/ NPA ex Restr/ Texas LLR/ NCOs/ MRQ MRQ MRQ MRQ Assets Lns Growth Deposits Growth Dep. Ratio Ratio Assets Assets Ratio Loans Loans Net Inc. ROAA N.I.M. Efficiency Name City ($M) ($M) (%) ($M) (%) (%) (%) (%) (%) (%) (%) (%) (%) ($000) (%) (%) (%) Black Mountain SB SSB Black Mountain $40 $29 3.3 % $34 (6.4) % 85.6 % 12.74 % 31.62 % 0.00 % 0.00 % 0.0 % 0.14 % 0.00 % $41 0.41 % 3.00 % 82.9 % Entegra Bank Franklin 1,668 1,089 2.0 1,251 8.2 87.1 9.67 14.35 0.80 0.43 7.8 1.11 0.02 4,046 0.98 3.17 68.3 HomeTrust Bank Asheville 3,455 2,674 4.7 2,332 10.2 114.7 10.25 12.22 1.09 0.40 10.0 0.91 0.38 3,373 0.39 3.34 69.7 Jackson SB SSB Sylva 32 26 (1.5) 26 (1.3) 101.7 20.97 40.77 1.20 1.03 5.7 0.22 0.00 81 1.00 3.69 69.2 Lifestore Bank (MHC) West Jefferson 293 185 3.2 225 7.7 82.2 10.99 18.61 1.13 1.13 9.6 1.31 0.00 713 0.98 3.46 72.8 Morganton SB S.S.B. -
2018 Online Trust Audit & Honor Roll Report
Internet Society’s Online Trust Alliance (OTA) 2 TABLE OF CONTENTS Overview & Background .......................................................................................................................... 3 Executive Summary & Highlights ............................................................................................................. 4 Best Practices Highlights ......................................................................................................................... 9 Consumer Protection .......................................................................................................................... 9 Site Security ........................................................................................................................................ 9 Privacy Trends ................................................................................................................................... 10 Domain, Brand & Consumer Protection ................................................................................................. 12 Email Authentication ......................................................................................................................... 12 Domain-based Message Authentication, Reporting & Conformance (DMARC) ................................... 14 Opportunistic Transport Layer Security (TLS) for Email ...................................................................... 15 Domain Locking ................................................................................................................................ -
Global Fund Finance Symposium
8TH ANNUAL Global Fund Finance Symposium MARCH 21, 2018 NAME _________ GRAND HYATT, NEW YORK 8TH ANNUAL Global Fund Finance Symposium TABLE OF CONTENTS Letter from the Chairman ...3 Agenda at a Glance ............. 4 Session Details .................... 5 Sponsors ............................ 13 Speakers ............................ 31 FFA Leadership .................. 78 2 LETTER FROM THE CHAIRMAN Industry colleagues, The WFF committees have a great set of events planned for As I sit here on a Sunday night, with a glass of pinot in hand, 2018, and a special thanks to each of the firms that are helping trying to think of how to best encapsulate the feeling of the to sponsor these events. To help broaden the audience to 2017 market, my mind keeps wandering off to the pleading include more male participation, we’ve structured a great words of RiRi….. feature panel here today as part of the symposium. It’s my early favorite for winner of Best Panel of the day. “Please don’t stop the, please don’t stop the, please don’t stop the music” Couple of housekeeping notes - this year, we’ll be hosting our Rihanna 2007 (…and investors everywhere in 2017) Sponsor Dinner in London prior to the European symposium. Markets across the board were up, volatility was low, three The European fund finance market continues to grow, and the quarters of global GDP saw a pick-up in year-on-year terms in Board is looking forward to an evening there to both thank 2017, and the IMF is projecting stronger global GDP growth in our participating sponsors, but importantly provide a forum 2018 & 19 than 2017. -
Honor Roll of Donors
Honor Roll of Donors The Child & Family Service Honor Roll of Donors recognizes the tremendous generosity of donors and volunteers who provide the resources CFS needs to achieve its mission of strengthening families and fostering the healthy development of children. Along with individuals, corporations, trusts, foundations, and community organizations, we also recognize our ‘Onipa‘a Society members — our most steadfast donors. It is with deep gratitude that, within these pages, we acknowledge their support. Special message to our supporters: We have carefully reviewed all gifts to CFS during our Fiscal Year 2015 (July 1, 2014 - June 30, 2015) to confirm that we properly recognize each gift. Occasionally, despite our best efforts to ensure accuracy, errors occur. If we have made a mistake, we sincerely apologize and ask that you alert us to such errors by contacting the Development & Communications Office at 808.543.8413 Thank you in advance for your understanding. FOUNDING HUI (Hui = Hawaiian for a club or association) FOUNDING DONORS: • Colleen & Wayne Minami $100,000 pledge MATCH CHALLENGE DONOR: • In Memory of Nanette Dancil $100,000 pledge INSPIRED FUND LEVELS: Child & Family Service’s Stronger Families Fund (The Fund) is an innovative, • Anonymous $100,000 pledge groundbreaking giving initiative that will provide CFS with a multi-year “stream” of private funds. Through generous donations from individuals and families, The Fund offers flexible BOARD CHALLENGE DONOR: funding to help CFS chart its own course, address pressing needs, and build on successes • Anonymous through wise investments. $100,000 pledge GET IT STARTED HUI: “The concept of a According to CFS Board Chair Richard Wacker, the Collective $100,000 pledge CFS Stronger Families Fund represents an important • Lead Donor: Earl Stoner hui, or group that new fundraising approach that builds on the • Lead Donor: Rich Wacker comes together organization’s network of supporters who are deeply committed to the mission and work of CFS. -
Signature Bank: Fasten Your Seat Belts; It's Going to Be a Bumpy Taxi
Signature Bank | March 31, 2016 MORGAN STANLEY RESEARCH March 31, 2016 MORGAN STANLEY & CO. LLC Ken A Zerbe, CFA Signature Bank [email protected] +1 212 761-7417 Adam Jonas, CFA Fasten Your Seat Belts; It's Going to Be a [email protected] +1 212 761-1726 Steven M Wald Bumpy Taxi Ride … but Worth It [email protected] +1 212 761-0474 Neel Mehta Industry View Stock Rating Price Target [email protected] +1 212 761-8582 In-Line Overweight $163.00 Signature Bank ( SBNY.O, SBNY US ) The negative impact of ride-sharing on the taxi industry should not Midcap Banks / United States of America be underestimated, and could drive sharply higher credit losses in Stock Rating Overweight Industry View In-Line SBNY's taxi portfolio (we estimate a 25% cumulative loss). We Price target $163.00 explore both the risks and offsets to taxi lending, and why SBNY Shr price, close (Mar 30, 2016) $138.26 Mkt cap, curr (mm) $7,038 remains a key Overweight. 52-Week Range $163.15-119.60 Ride-sharing companies pose a significant threat to the taxi industry Fiscal Year Ending 12/15 12/16e 12/17e 12/18e and, by default, to the creditworthiness of taxi medallion borrowers. Our work ModelWare EPS ($) 7.30 8.17 9.36 10.86 with our Autos and Shared Mobility colleague Adam Jonas highlights how Prior ModelWare EPS - 8.27 9.42 10.60 ($) rapidly ride-sharing companies have overtaken taxis in less dense urban Consensus EPS ($)§ 7.21 8.29 9.50 11.00 markets, with more drivers who also broadly earn more per hour than their P/E 21.0 16.9 14.8 12.7 taxi counterparts. -
May 2017 Dear UMB Federal Funds “As Agent” Customer
May 2017 Dear UMB Federal Funds “As Agent” Customer: Attached is an extract of certain reported financial information taken from the most current Call Report data (dated as of December 31, 2016) of the banks that are currently on the “Approved List” provided to participants in our “As Agent” Federal Funds Program. As a participant in that Program, you have appointed us as your agent to place your funds with banks listed on the Approved List, all as provided for in, and governed by, the UMB “As Agent” Federal Funds Program Agreement that you executed with us at the time you started participating in our “As Agent” Program. By allocating your funds among all of the banks identified on the Approved List, you are able to help reduce your concentration of credit with any given individual bank on the list. We suggest that you present and review this information (together with the terms of your executed UMB “As Agent” Federal Funds Program Agreement) with your Board of Directors, and retain both for your permanent records and regulatory and audit review, since you and your Board of Directors have the ultimate responsibility to track and approve those banks to whom your federal funds are sold. We are also pleased to provide the following information for UMB Bank, n.a. as of March 31, 2017, which you should also retain related to the requirements of Regulation F. UMB Bank, n.a. Tier 1 Risk-based Capital Ratio 10.83 % Total Risk-based Capital Ratio 11.46 % Tier 1 Leverage Ratio 8.26 % * Full Reg F disclosure on second page I appreciate that you have elected to appoint us as your agent to facilitate your federal funds transactions under our “As Agent” program. -
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. -
Bankers' Bank of the West
1099 18th Street Suite 2700 BANKERS’ BANK OF THE WEST Denver, CO 80202 Tel: 303-291-3700 FEDERAL FUND AGENCY AGREEMENT – EXHIBIT A Fax: 303-291-3714 EFFECTIVE February 7, 2020 Based on December 31, 2019 call report data Associated Bank, NA First Horizon Bank People’s United Bank, NA Bank of Hawaii First National Bank of Pennsylvania Regions Bank Bank of the West First Republic Bank Signature Bank Bankers' Bank of the West Fulton Bank, NA Silicon Valley Bank Bank of Oklahoma (BOKF, NA) Hancock Whitney Bank Sterling National Bank BMW Bank of North America Huntington National Bank Texas Capital Bank, NA Capital One Bank (USA), NA JPMorgan Chase Bank, NA Truist Financial Corporation Citibank, NA Manufacturers & Traders Trust Company Trustmark National Bank Citizens Bank, NA MUFG Union Bank, National Association US Bank, NA Commerce Bank New York Community Bank Webster Bank, N.A Federal Reserve Bank of Kansas City [1] Northern Trust Company Zions Bancorporation, NA First Hawaiian Bank Old National Bank [1] Excess funds placed with the Federal Reserve Bank are subject to the terms and conditions established by the Federal Reserve Bank’s Excess Balance Account program. Prior approval of the Federal Reserve Bank is required. Bankers’ Bank of the West (“BBW”) may sell Respondent’s Agency Funds to any one or more of the approved purchasers listed above. Respondent may instruct BBW in writing that Agency Funds shall not be sold to certain approved purchasers. BBW may amend Exhibit A at any time by adding or deleting purchasers upon written or verbal notice as soon as practical to Respondent, and BBW may sell Agency Funds to such additional purchasers unless the Respondent shall have directed BBW prior to the sale not to sell Agency Funds to such additional purchasers. -
Order Approving the Acquisition of a Bank Holding Company -- Banner
FRB Order No. 2015-23 September 3, 2015 FEDERAL RESERVE SYSTEM Banner Corporation Walla Walla, Washington Elements Merger Sub, LLC Walla Walla, Washington Order Approving the Acquisition of a Bank Holding Company Banner Corporation (“Banner”) and Elements Merger Sub, LLC (“Merger Sub”), a wholly owned subsidiary of Banner, both of Walla Walla, Washington (together, “Applicants”), have requested the Board’s approval under section 3 of the Bank Holding Company Act (“BHC Act”)1 to acquire Starbuck Bancshares, Inc. (“Starbuck”), Seattle, and thereby indirectly acquire its subsidiary, AmericanWest Bank, Spokane, both of Washington. Under the proposal, Starbuck would be merged into Merger Sub and AmericanWest Bank would be merged into Banner’s wholly owned subsidiary, Banner Bank, also of Walla Walla; Merger Sub and Banner Bank would be the surviving entities.2 Notice of the proposal, affording interested persons an opportunity to submit comments, has been published in the Federal Register (80 Federal Register 6517 (2015)).3 The time for submitting comments has expired, and the Board has considered the proposal and all comments received in light of the factors set forth in section 3 of the BHC Act. Banner, with consolidated assets of approximately $5.2 billion, is the 201st largest insured depository organization in the United States, controlling 1 12 U.S.C. § 1842. 2 The merger of AmericanWest Bank into Banner Bank is subject to the approval of the Federal Deposit Insurance Corporation (“FDIC”) under the Bank Merger Act. 12 U.S.C. § 1828(c). 3 12 CFR 262.3(b). - 2 - approximately $4.3 billion in consolidated deposits, which represent less than 1 percent of the total amount of deposits of insured depository institutions in the United States. -
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.