DOCSLIB.ORG

State of New Hampsnire Banking Department 53 Regional Drive, Suite 200 Concord, New Hampshire 03301 Telephone:(603) 271-3561 FAX:(603) 271-1090 Or (603) 271-0750

Total Page：16

File Type：pdf, Size：1020Kb

Download full-text PDF Read full-text
State of New Hampsnire Banking Department 53 Regional Drive, Suite 200 Concord, New Hampshire 03301 Telephone:(603) 271-3561 FAX:(603) 271-1090 Or (603) 271-0750 DEC21'18pm 1=26 DOS State of New Hampsnire Banking Department 53 Regional Drive, Suite 200 Concord, New Hampshire 03301 Telephone:(603) 271-3561 FAX:(603) 271-1090 or (603) 271-0750 December 20, 2018 His Excellency, Governor Christopher T. Sununu And the Honorable Council State House Concord, New Hampshire 03301 Requested Action The New Hampshire Banking Commission is submitting its Annual Report for calendar year ending December 31, 2017 pursuant to RSA 383:15. Explanation Enclosed are copies of the One Hundred Seventy-Third Annual Report of the Bank Commissioner which covers administration and operation pursuant to RSA 383:15. Respectfully submitted, Gerald H. Little Bank Commissioner TDD Access: Relay NH 1-800-735-2964 / ★ * * ★ ■owoaassm [liiisajQg 71 His £xce//ency, Governor Christopher T. Sununu And the Honorable Council State House Concord, New Hampshire 03301 Dear Governor Sununu and Council: I am pleased to present to you this 173rd Annual Report of the Bank Commissioner. As required by RSA 383:15, this report contains background information on each entity under the supervision of the Banking Department, lists the significant events and issues we addressed during the year, and points out several interesting statistics and trends regarding the many industries regulated by the department. This report sboujs that the years-long trend of consolidation via mergers and acquisitions among j state-chartered banks and credit unions has paused for a moment. In fact, there u;as a slight uptick ^ in the number of depository institutions regulated by the New Hampshire Banking Department when \ Mascoma Savings Bank of Lebanon, New Hampshire converted from a federal charter under the | jurisc/iciion of the Office of the Comptroller of the Currency to a state-charter. Other than that, the \ banks and credit unions covered in our last report are the same institutions detailed in this document. I Meanwhile, the number of non-depository New Hampshire trust companies and non-bank licensed j lenders continues to grow. Not so obvious is the fact that many banks and credit unions chartered by other states and the federal government are choosing to locate new branches and loan production offices in New Hampshire. All of these trends point to the desirability of the Granite State's economic \ environment. The net result is a strengthening list of competitively priced financial products and services for New Hampshire consumers and businesses to choose from as they grow their families and businesses here. On behalf of all of the employees of the New Hampshire Banking Department, I thank you for the honor of entrusting us with pursuit of the department's mission; protecting consumers and businesses by assuring that the financial service choices available to them are safe, sound and fair. For that, and your ongoing faith and support of our efforts, we thank you. Respectfully Gerald H. Little Bank Commissioner W2017M LETTER TO THE GOVERNOR STATE OF NEW HAMPSHIRE GOVERNOR Christopher T Sununu EXECUTIVE COUNCIL Joseph D. Kenney Christopher C. Pappas Russell E. Prescott Andru Volinsky David K. Wheeler BANK COMMISSIONER Gerald H. Little DEPUTY BANK COMMISSIONER Emelia A.S. Galdieri CHIEF BANK EXAMINER Todd A. Wells DIRECTOR OF TRUST SUPERVISION Nancy Daigle Renaud DIRECTOR OF CONSUMER CREDIT Raeleen Schutte LEGAL COUNSEL Chiara Dolcino Positions listed are as of January 5, 2018 BANK COMMISSIONER'S OFFICE 53 Regional Drive, Suite 200 Concord, New Hampshire 03301 Telephone (603) 271-3561 Fax (603) 271-0750 or (603) 271-1090 Web Site Address; www.nh.gov/banking Email Address: [email protected] f20i7j NEW HAMPSHIRE BANKING DEPARTMENT Organizational Chart Bank Commbsioiwr «9U132 Gerald M. Little Dcputv Bank Commissioner «9U133 llmelia Galdieri O Program Specialist O > <113784 2 Mkhele Kellchcr S O Legal Operations Banking ^ Trust SupcrvLsion J CoR.su mcr Credit z c C ) > J c (— □I I 0 General Counsel 1 Director of Operations ChiefBank ItNaminer Director of Trsist Supers-ision Director Consunter Credit > (Attorney IV «9U622) (Business Admin'r IV # 42402) (#13786) (Admin'rlV#i378l) (Admin'r IV #13787) 33 Chiara Dolcino Dawn Allen 1'odd Wells Nancy Daigle Rcnaud Raeleen Schulte H ( Hearings Ilxamincrs Business Administrator I Program Specialist I (#19225. #43622. #44219) J (#13796) Licensing Examinations < ) (#43297) J < J < Paralegal IIs ^ Sr. Accounting I'ech. Bank Examiner IVs Bank Examiner IVs Program Specialist I Bank Examirter 1 (#43142. #43298) J (#42401) (#13780. #13782. (#13779. #43689. #43693) (#42403) (#13785. #13788. c #13790. #13794) ) 0 #18936. #43624) Paralegal I <E.\ecuiive Secretary ^ Bank Examiner Ills (#43625) (#42400) ) 3 Bank Examiner III (#13791. #13793) Program Specialist Is Bank Examiner Ills < ,(#13797. #43623. #44105). ) (#42408. #42409. (#18479. #42484. #42485) Secretary I #43141) < Investigator \ (#43062) Bank Esaminer IIs. Is. & (Admin'r II. #13792) J K Bank Bxaminer IIs. Is. A Trainees Trainees (#13795. #42405. #43143) Bank Examiner IIs. Is. & (#13798. #19224. #19226) Trainees <Secrei«rv Tvpisi I \ Program Specialist (#30457. #42406. #42407. (#TMPPTl'l23) j (#30455) #42410. #42411) As of January 5. 2018 to Banking Department Expenditures Description Actual Fiscal Year 2017 Actual Fiscal Year 2018 Salaries 2,539,766 2,666,714 Current Expense 48,271 38,010 Rent and Leases 194,766 195,224 Maintenance Other Than Building 1,030 772 Organizational Dues 32,164 31,914 OIT Allocated Expenses 194,345 236,872 Equipment 1,453 3,112 Telecommunications 21,276 22,005 Indirect Costs 44,320 40,828 Transfers to Other State Agencies 120,501 116,499 Personal Service - Temp 4,770 15,058 Benefits 1,328,984 1,359,795 Unemployment Compensation 47 3,106 Workers Compensation 47 127 Retirees Medical Insurance 149,205 145,009 Training 82,628 91,104 Promotional and Marketing Expense 6,225 1,672 In-State Travel 40,710 79,773 Out-Of-State Travel 63,170 95,582 Total 4,876,551 5,143,176 EXPENDITURES 120171 TABLE OF CONTENTS Foreword 6 Mission Statement 6 Functions of the Banking Department 6 Number of State Chartered Institutions and Branches in New Hampshire 6 Consumer Credit Division - Number of Licenses Issued 6 Noble Trust Company in Liquidation 6 New Trust Companies New Branch Offices Branch Office Relocations Branch Office Closings New Interstate Branch Offices Acquisitions New Loan Production Offices Loan Production Office Relocations Loan Production Office Closing Trust Office Relocation Conversion Amendments to Articles of Agreement or Incorporation, Business or Capital Plan Amendments to Bylaws Bank Holding Companies 8 Trust Company Holding/Parent Companies 8 Legislation Enacted by the 2017 Session of the Legislature 9 Rules of the Bank Commissioner 9 State Chartered Banks - General Information 10 State Chartered Credit Unions - General Information 15 State Chartered Trust Companies - General Information 18 Financial Information on State Chartered Banks 23 Financial Information on State Chartered Credit Unions 24 Financial Information on State Chartered Trust Companies and Trust Departments 25 Graphic Trends on Assets. Loans, and Deposits 26 Graphic Trends on Consumer Credit Division Licenses 28 Debt Adjuster Licensees 31 Money Transmitter Licensees 31 Mortgage Banker Licensees 32 Mortgage Broker Licensees 35 Mortgage Servicer Licensees 36 Retail Seller Licensees 37 Sales Finance Company Licensees 41 Small Loan Lender Licensees 43 MioitA TABLE OF CONTENTS Foreword The one hundred seventy-third annual report of the Bank Commissioner contains management, financial information and locations of banks, credit unions, and other financial institutions operating under state charter. This report also contains information concerning debt adjusters, money transmitters, mortgage bankers and brokers, mortgage servicers, retail sellers, sales finance companies, and small loan lenders. Mission Statement The New Hampshire Banking Department is committed to protecting the public's interest through the professional supervision of the financial services it regulates. Functions of the Banking Department The Bank Commissioner is responsible for the general supervision of all New Hampshire chartered and licensed financial institutions through the operation of the New Hampshire Banking Department. The Banking Department contains five divisions; Banking, Trust Supervision, Consumer Credit, Legal, and Operations. The Banking and Trust Supervision Divisions charter, supervise, and examine all state-chartered banks, credit unions, trust companies, and family trust companies in New Hampshire. The Consumer Credit Division licenses, examines, and regulates companies that provide consumer credit, such as mortgage bankers, mortgage brokers, mortgage servicers, retail auto sellers, sales finance companies, money transmitters, debt adjusters, and small loan lenders. Working in conjunction with the Banking, Trust Supervision, and Consumer Credit Divisions, the Legal Division investigates consumer complaints and unlicensed or unchartered activity. The Legal Division may commence enforcement actions against financial entities that violate state or federal laws or regulations. The Bank Commissioner has the authority to order consumer restitution as part of those enforcement actions. The Operations Division supports the daily functions of the Banking Department. Number of State Chartered Institutions and Branches in New Hampshire Type of Institution Charters Branches Depository Banks 17 111 Credit tJnions 10 81 Trust Companies 28 9 Family Trust Companies 4 0 Totals 59 201 Consumer
Load more

Recommended publications
  • Sumter, SC 29150
    IN SPORTS: Lady Barons to face CN in 3A state tourney B1 PANORAMA Step Off! Performers from 3 states will compete in the 5th annual SERVING SOUTH CAROLINA SINCE OCTOBER 15, 1894 Lemira Golden Steppers show WEDNESDAY, FEBRUARY 22, 2017 75 CENTS C1 Family, puppy survive blaze Council approves parkway rezoning BY JIM HILLEY [email protected] Sumter City Council ap- proved an ordinance to allow multi-family apartments on the south side of Patriot Park- way near Deschamps Road at Tuesday’s regular meeting. Some residents of the area led a coordinated campaign against the proposal, and members of the public who at- tended the meeting were asked by opponents to hold up signs during council’s vote urging council to vote against the or- dinance. Martin Graf, an Air Force retiree, was one of the people passing out signs. Graf said he and other area residents were promised the area would remain agricultur- al and single dwellings when he purchased a house there. Members of council pointed SAMMY WAY / THE SUMTER ITEM out they could find no record Flames engulf a home at 104 Church St. on Tuesday morning. of any such promises and that the city would not have been involved in any agreement Tuesday morning fire guts Victorian-era Church Street home when that area was still in Sumter County. Councilman David Mer- BY ADRIENNE SARVIS inside the structure to put chant said he reached out to [email protected] out more flames. former councilmen and was He said one resident was told no such promises were After thinking everything inside the house when the made.
    [Show full text]
  • Department of Consumer Credit State of Oklahoma
    Department of Consumer Credit State of Oklahoma Helping protect Oklahoma Consumers through the regulation of consumer credit sales and consumer loans. 2015 Annual Report Scott Lesher Mary Fallin Administrator Governor Ruben Tornini Todd Lamb Deputy Administrator Lt. Governor STATE OF OKLAHOMA DEPARTMENT OF CONSUMER CREDIT November 18, 2015 The Honorable Mary Fallin Governor, State of Oklahoma 2300 N. Lincoln Blvd., Room 212 Oklahoma City, Oklahoma 73105 The Honorable Brian Bingman President Pro Tempore Oklahoma State Senate 2300 N. Lincoln Blvd., Room 422 Oklahoma City, Oklahoma 73105 The Honorable Jeffrey Hickman Speaker of the Oklahoma House of Representatives 2300 N. Lincoln Blvd., Room 401 Oklahoma City, Oklahoma 73105 Dear Governor Fallin, President Pro Tempore Bingman, and Speaker Hickman: On behalf of the Oklahoma Commission on Consumer Credit and the staff, we are pleased to submit the 2015 Annual Report for the Oklahoma Department of Consumer Credit and the Oklahoma Commission on Consumer Credit. This report contains information regarding the activities of the Department, the Commission, and the industries regulated by the Department. The Department of Consumer Credit annually licenses or registers over 10,000 credit-related organizations including supervised lenders, mortgage brokers/loan originators, mortgage lenders, deferred deposit lenders, credit service organizations, consumer litigation funders, pawn brokers, rent-to-own dealers, health spas, precious metal dealers, acceptance companies and businesses that finance goods
    [Show full text]
  • Truman Presents
    TRUMAN PRESENTS IN CONJUNCTION WITH THE BRITISH DARTS ORGANISATION BRITISH INTER-COUNTIES DARTS CHAMPIONSHIPS PREMIER DIVISION LONDON 1990 -1991 B MATCH A MATCH COMMENCES 1PM ON COMMENCES 12 NOON ON 9th FEBRUARY 1991 10th FEBRUARY 1991 S.T.C. SOCIAL CLUB S.T.C. SOCIAL CLUB OAKLEIGH ROAD SOUTH ADMISSION BY OAKLEIGH ROAD SOUTH NEW SOUTHGATE PROGRAMME ONLY NEW SOUTHGATE LONDON N111HB Price £1 LONDON N11 1HB Tel: 081-945-2641/3754 Tel: 081-945-2641/3754 The G.L.D.O. reserve all rights of admission, and to eject any person without assigning a reason for doing so Talking Point Visiting Team "LONDON LINES" MEN LADIES • Martin Adams Joanne Barber Jamie Baldwin Nadine BentJey This weekend we play host to the County of Cambridgeshire, and I Ian Brand Sally Clayton would like to extend a warm welcome to all their players, officials and Kevin Brodie Stella Cowlard supporters in the hope that they have an enjoyable, if not entirely Andy Callaby Monica Fowle successful visit. It is also a great pleasure to return to the S.T.C. Social Simon Cassidy Lorraine Gilbert Club. This is our third home match at the venue and it is proving to be Alan Driver Sandra Greatbatch a lucky one for us with previous victories over Lincolnshire and Bob Foster Trish Hellewell Glamorgan already in the bag. Let's hope that thattrend continues this Nigel Goude Carole Hudson weekend. My thanks are extended to our sponsors, Watney-Truman Barry Greatbatch June Lambe and to the club steward, Anne Pitcher, the club com mittee and bar-staff Shaun Greatbatch for making us welcome.
    [Show full text]
  • History of Badminton
    Facts and Records History of Badminton In 1873, the Duke of Beaufort held a lawn party at his country house in the village of Badminton, Gloucestershire. A game of Poona was played on that day and became popular among British society’s elite. The new party sport became known as “the Badminton game”. In 1877, the Bath Badminton Club was formed and developed the first official set of rules. The Badminton Association was formed at a meeting in Southsea on 13th September 1893. It was the first National Association in the world and framed the rules for the Association and for the game. The popularity of the sport increased rapidly with 300 clubs being introduced by the 1920’s. Rising to 9,000 shortly after World War Π. The International Badminton Federation (IBF) was formed in 1934 with nine founding members: England, Ireland, Scotland, Wales, Denmark, Holland, Canada, New Zealand and France and as a consequence the Badminton Association became the Badminton Association of England. From nine founding members, the IBF, now called the Badminton World Federation (BWF), has over 160 member countries. The future of Badminton looks bright. Badminton was officially granted Olympic status in the 1992 Barcelona Games. Indonesia was the dominant force in that first Olympic tournament, winning two golds, a silver and a bronze; the country’s first Olympic medals in its history. More than 1.1 billion people watched the 1992 Olympic Badminton competition on television. Eight years later, and more than a century after introducing Badminton to the world, Britain claimed their first medal in the Olympics when Simon Archer and Jo Goode achieved Mixed Doubles Bronze in Sydney.
    [Show full text]
  • Schedule of Investments December 31, 2020 (Unaudited)
    Schedule of Investments December 31, 2020 (Unaudited) City National Rochdale Government Money Market Fund Description Face Amount (000) Value (000) Description Face Amount (000) Value (000) U.S. Government Agency Obligations [44.9%] 0.135%, VAR United States FFCB Secured Overnight 0.183%, VAR ICE LIBOR Financing Rate+0.025%, 02/26/21 $ 25,000 $ 25,000 USD 1 Month+0.035%, 01/26/21 $ 25,000 $ 25,000 0.180%, VAR United States 0.213%, VAR ICE LIBOR Secured Overnight USD 1 Month+0.070%, Financing Rate+0.070%, 08/12/22 50,000 50,000 06/24/21 50,000 49,998 0.200%, VAR United States FNMA Secured Overnight 0.470%, VAR United States Financing Rate+0.090%, Secured Overnight 07/15/21 50,000 50,000 Financing Rate+0.360%, 01/20/22 50,000 50,000 FHLB 0.130%, 06/17/21 25,000 24,999 0.500%, VAR United States 0.169%, VAR ICE LIBOR Secured Overnight USD 1 Month+0.015%, Financing Rate+0.390%, 04/15/22 50,000 50,000 07/13/21 50,000 50,000 0.160%, VAR United States 0.350%, VAR United States Secured Overnight Secured Overnight Financing Rate+0.050%, Financing Rate+0.240%, 05/05/22 25,000 25,000 07/16/21 25,000 25,000 0.420%, VAR United States 0.310%, VAR United States Secured Overnight Secured Overnight Financing Rate+0.310%, Financing Rate+0.200%, 05/09/22 50,000 50,000 09/24/21 50,000 50,000 0.280%, VAR United States Total U.S.
    [Show full text]
  • Annual Report
    2017 ANNUAL REPORT STATE OF OKLAHOMA DEPARTMENT OF CONSUMER CREDIT CONTENTS MISSION STATEMENT 1 ADMINISTRATOR’S REPORT 2 COMMISSION ON CONSUMER CREDIT 8 DEPARTMENT STAFF 9 ORGANIZATIONAL STRUCTURE 10 MORTGAGE LENDERS 11 MORTGAGE BROKERS 23 MORTGAGE LOAN ORIGINATORS 31 SUPERVISED LENDERS 213 DEFERRED DEPOSIT LENDERS 228 RENT-TO-OWN 231 PAWNBROKER’S 235 PRECIOUS METAL & GEM DEALERS 247 CREDIT SERVICE ORGANIZATIONS 252 HEALTH SPAS 255 NOTIFICATIONS 262 CONSUMER LITIGATION FUNDERS 331 COMMISSION MEETING MINUTES 333 Scott Lesher Administrator Email: [email protected] Telephone: (405)-521-3653 Department of Consumer Credit 3613 N.W. 56th Street, Suite 240 · Oklahoma City, OK 73112 Telephone: (405)-521-3653 · Fax: (405)-521-6740 Statewide Consumer Line: (800)-448-4904 Website: https://www.ok.gov/okdocc MISSION STATEMENT We protect and educate consumer buyers, lessees and borrowers against unfair practices, and are fair and impartial in the regulation of consumer credit transactions in Oklahoma. 1 ADMINISTRATOR’S REPORT THE ADMINISTRATOR’S REPORT INCLUDES INFORMATION PURSUANT TO TITLE 14A O.S. § 6-104 (5), AND IS EXPANDED TO INCLUDE OTHER RESPONSIBILITIES AND ACCOMPLISHMENTS OF THE DEPARTMENT OF CONSUMER CREDIT. The Department of Consumer Credit annually licenses or registers over 13,051 credit-related organizations including mortgage lenders, mortgage brokers, mortgage loan originators, supervised lenders, deferred deposit lenders, rent-to-own dealers, pawnbroker’s, precious metal and gem dealers, credit service organizations, health spas, consumer litigation funders, and notifications in relation to acceptance companies and businesses that finance goods and services for Oklahoma consumers. There are 6,355 licensee offices which are periodically investigated or examined.
    [Show full text]
  • Ally Financial Inc.(GOM) 10-K
    Ally Financial Inc. (GOM) 10-K Annual report pursuant to section 13 and 15(d) Filed on 02/25/2011 Filed Period 12/31/2010 Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 10-K þ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2010, or ¨ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 1-3754 ALLY FINANCIAL INC. (Exact name of registrant as specified in its charter) Delaware 38-0572512 (State or other jurisdiction of (I.R.S. Employer incorporation or organization) Identification No.) 200 Renaissance Center P.O. Box 200 Detroit, Michigan 48265-2000 (Address of principal executive offices) (Zip Code) (866) 710-4623 (Registrant's telephone number, including area code) Securities registered pursuant to Section 12(b) of the Act (all listed on the New York Stock Exchange): Title of each class 6.00% Debentures due April 1, 2011 7.35% Notes due August 8, 2032 10.00% Deferred Interest Debentures due December 1, 2012 7.25% Notes due February 7, 2033 10.30% Deferred Interest Debentures due June 15, 2015 7.375% Notes due December 16, 2044 7.30% Public Income Notes (PINES) due March 9, 2031 Securities registered pursuant to Section 12(g) of the Act: None Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act.
    [Show full text]
  • Heart of Hampshire Devolution and the Future of Local
    www.pwc.co.uk Final Heart of Hampshire Devolution and the future of local government Confidential November 2016 Future of local government in the Heart of Hampshire Final Contents Important notice .......................................................................................................................... 4 Executive summary...................................................................................................................... 5 Future of local government in the Heart of Hampshire ............................................................................................. 5 Key points from the analysis ........................................................................................................................................ 6 Key conclusions and securing a devolution deal ....................................................................................................... 11 Overall conclusion ....................................................................................................................................................... 12 1. Introduction ....................................................................................................................... 13 1.1. Purpose of this report ....................................................................................................................................... 13 1.2. Hampshire and the Isle of Wight ....................................................................................................................
    [Show full text]
  • Money Talk Spring 2019
    MONEY TALK SPRING 2019 PRESIDENT’S MESSAGE Most New Englanders look forward to spring and welcome the warmer weather, longer days, and maple sugaring season. Spring is also the perfect season to start your new home search. Triangle is ready to accommodate your new endeavor with a variety of mortgage products. Our home financing options include Fixed Rate or Adjustable Rate Mortgages with terms up to 40 years and discounts on closing costs. Our team can guide you through your down payment and monthly payment considerations, and qualify you with pre-approval so you feel comfortable in finding a home you can afford. Contact our team of Mortgage Originators today by calling (603) 889-2470 or emailing [email protected] to start your journey to homeownership. As an educational resource, Triangle’s “Making Money Personal” podcast BUY LOCAL. BORROW LOCAL. recently released a Mortgage Madness series with each episode covering different steps in the home buying process. This series is free and available to stream through your preferred podcast platform. Finally, Triangle is pleased to announce that we are opening a new branch Mortgage Options Available in Merrimack! Construction for our new branch will soon be underway at That Support Our Community 360 Daniel Webster Highway, where the old Shaw’s Plaza is located. By the end of this year, we will be ready to open our doors at this new location, and we are excited to bring a new, convenient branch to our Merrimack-area members. Adjustable Rate Mortgages On behalf of Triangle Credit Union, may you enjoy the renewal of the season.
    [Show full text]
  • State of New Hampshire
    STATE OF NEW HAMPSHIRE SINGLE AUDIT OF FEDERAL FINANCIAL ASSISTANCE PROGRAMS FOR THE YEAR ENDED JUNE 30, 2014 PREPARED BY: DEPARTMENT OF ADMINISTRATIVE SERVICES STATE OF NEW HAMPSHIRE SINGLE AUDIT OF FEDERAL FINANCIAL ASSISTANCE PROGRAMS FOR THE YEAR ENDED JUNE 30, 2014 STATE OF NEW HAMPSHIRE SINGLE AUDIT OF FEDERAL FINANCIAL ASSISTANCE PROGRAMS FOR THE YEAR ENDED JUNE 30, 2014 TABLE OF CONTENTS PAGE Letter Of Transmittal ........................................................................................................................... A-1 Introduction ............................................................................................................................................B-1 Summary Table Of Federal Program Expenditures By State Agency ...................................................B-2 Financial Statements Independent Auditors’ Report................................................................................................................C-1 Management’s Discussion And Analysis ..............................................................................................C-4 Basic Financial Statements ..................................................................................................................C-13 Notes To The Basic Financial Statements ...........................................................................................C-34 Required Supplementary Information Budget to Actual Schedules ............................................................................................................C-67
    [Show full text]
  • An Investigation Into the Factors That Encourage Image and Performance Enhancing Drug Taking Behaviours in Adult Rugby Players in England
    Stephen Watkins Brunel University London 1 An investigation into the factors that encourage Image and Performance Enhancing Drug taking behaviours in adult rugby players in England. Stephen R. Watkins A thesis submitted for the degree of Masters of Philosophy Brunel University Department of Life Sciences September 2019 COPYRIGHT Attention is drawn to the fact that copyright of this thesis rests with its author. A copy of this thesis has been supplied on condition that anyone who consults it is understood to recognise that its copyright rests with the author and they must not copy it or use material from it except as permitted by law or with the consent of the author. Stephen Watkins Brunel University London 2 ABSTRACT Pages Abstract 7 CHAPTER ONE - INTRODUCTION 9 1. Introduction 9 1.1 Introduction to IPED use in Rugby Union 9 1.2 Background to the World Anti-Doping Code 13 1.3 The need for research in Rugby Union 20 CHAPTER TWO – LITERATURE REVIEW 22 2. Review of Literature 22 2.1 Beginner or Young Person Studies 23 2.2 Gifted and Talented Studies 25 2.3 Performance Development Athlete and Performance Athlete Studies 26 2.4 Elite Athlete Level Studies – Attitudes and Prevalence of IPED use 27 2.5 Coach and Support Personnel Studies 33 2.6 Wider Society- Image & Performance Enhancing Drug Studies 38 2.7 Theoretical Concepts of Doping 40 2.7.1 The Push, Pull, Anti-Push, Anti-Pull Theory 41 2.7.2 The Gateway Use Theory of Doping 43 2.7.3 Moral Disengagement Theory 45 2.8 Literature Review Summary 50 2.8.1 Personal 51 2.8.2 Environmental 51 2.8.3 Performance 52 CHAPTER THREE - METHODOLOGY 53 3.
    [Show full text]
  • State of Illinois State Universities Retirement System
    State of Illinois State Universities Retirement System Compliance Examination For the Year Ended June 30, 2018 Performed as Special Assistant Auditors for the Auditor General, State of Illinois State Universities Retirement System of the State of Illinois Compliance Examination For the Year Ended June 30, 2018 Table of Contents Schedule Page(s) State Universities Retirement System Officials 1 Management Assertion Letter 2 Compliance Report Summary 3 Independent Accountant’s Report on State Compliance, on Internal Control Over Compliance, and on Supplementary Information for State Compliance Purposes 5 Independent Auditors’ Report on Internal Control over Financial Reporting and on Compliance and Other Matters Based on an Audit of Financial Statements Performed in Accordance with Government Auditing Standards 9 Schedule of Findings Current Findings – State Compliance 11 Prior Findings Not Repeated 14 Financial Statement Report The System’s financial statement report for the year ended June 30, 2018, which includes the Independent Auditor’s Report, Management Discussion and Analysis, Basic Financial Statements and Notes to the Basic Financial Statements, Required Supplementary Information Other than Management Discussion and Analysis, Supplementary Information, and the Independent Auditor’s Report on Internal Control over Financial Reporting and on Compliance and Other Matters Based on an Audit of Basic Financial Statements performed in accordance with Government Auditing Standards has been issued separately. Supplementary Information for
    [Show full text]