WGMD Radio | Jun 29, 2011 posted by: Kelli Steele - WGMD News WGMD Radio Audio clip: Adobe Flash Player (version 9 or above) is required to play this audio clip. Download the latest version here. You also need to have JavaScript enabled in your browser. Steven Calloway, husband of late Sussex Co. paramedic Stephanie ... |
Thursday, June 30, 2011
Jun 29, 2011 posted by: Kelli Steele - WGMD News - WGMD Radio
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Tuesday, June 28, 2011
Regulators weigh a slew of factors when evaluating a bank
antoninahubihe.blogspot.com
As it turns out, several meana of analyzing banks arereadily available, via the Web, for anyoner willing to crunch a line item or compare spreadsheets. many of the financiapl results and other banking data available to the public are used by regulatorws to issue key ratings that determine whether a lenderd canremain operating. It’s importanr information in an era when customera ponder whether they can trust their bank to keep its doors open. Regulators primarily study whether lendersd haveenough money, haven’t issued too many loanw to risky borrowers and offer sound investmenr opportunities.
To get there, they examine such results as equity-to-assetws level, how nonperforming assets — primarily delinquent loans compare to overall and how much the lenders pour intoresidentiakl markets. While Oregon banks are a mixefd bag bythose measures, no additional ones face imminenrt failure. Still, businesses are jittery afterf Silver Falls State Bank of Silverton and Pinnacles Bank of Beaverton shuttered earlier this State TreasurerBen Westlund, worrier that more banks might collapse, acknowledged that Oregon officialzs are watching several other lenders.
“Oud banks are in excellent but as in anydifficulrt time, you might have hiccups along the trail as we did with Silverr Falls,” said Westlund. many of Silver Falls’ problems were evident four montha beforeit closed. Regulators rate banks according tothe system, which gives a one to five ratint on capital, assets, management quality, earnings, liquiditgy and the bank’s susceptibility to Information on at least four of the categories is available on , updatedf quarterly by the Federalk Financial Institutions Examination Councill (www.ffiec.gov), which issues banking regulations. Analystsa such as McAdams Wright Ragen also regularlyy report onbank ratios.
Regulators don’t release Camels ratingss publicly because public misinterpretation could causeunnecessary panic. However, much of the data they use to created the ratingsis public. That data shows that Silvet Falls’s equity-to-assets ratio of 6.15 percent, during 2008’s third quarter, fell far short of the 10 perceng figureconsidered healthy. The bank’s ratiio of nonperforming assets to total assetsmeasured 16.52 percent — 3 percentt is considered acceptable — and far exceeded that of everyu other Oregon lender.
And the bank held five timees as much money in nonperforming loanse than it kept in reservde for future troubled Many bankers say the numbers that areavailablre don’t tell the whole story. For instance, Lake Oswego-based ’sz ratio of nonperforming assets to overall assetsdis 7.88 percent. Analysts and regulators believre banks should carry ratios no higher than 3 Bob Sznewajs, West Coast’s presideng and CEO, said the bank’s other ratiosa — especially one signaling that the bank takes a conservative approach to portfolioi management — offset indicatord suggesting some weakness.
“The more information you the better conclusions youcan draw,” he noting that many of West Coast’sw nonperforming residential assets have already been writtenj down by 23 percent and are slated for sale this Bankers get nervous when non-regulators take numbers into theirt own hands. Even when looking at the same number s thatregulators study, those examinerx must analyze hundreds of ratiosw and other data, said Linda president and CEO of the . “You have to look at the wholwe picture: No one but the bank’sa primary regulator can determine, with true what the future of that bankcan hold.
” Navarro and other bank advocatez particularly disdain the Texas ratio, which essentially comparesw nonperforming loans to capital. Figures exceedinbg 50 percent could indicatee futurecredit problems, while ratioz higher than 100 percent could indicate the bank itself is in according to RBC Capital Markets, which created the held a 336 percent Texas ratiio at the end of according to figures tabulated by the Dallas Businesss Journal.
As it turns out, several meana of analyzing banks arereadily available, via the Web, for anyoner willing to crunch a line item or compare spreadsheets. many of the financiapl results and other banking data available to the public are used by regulatorws to issue key ratings that determine whether a lenderd canremain operating. It’s importanr information in an era when customera ponder whether they can trust their bank to keep its doors open. Regulators primarily study whether lendersd haveenough money, haven’t issued too many loanw to risky borrowers and offer sound investmenr opportunities.
To get there, they examine such results as equity-to-assetws level, how nonperforming assets — primarily delinquent loans compare to overall and how much the lenders pour intoresidentiakl markets. While Oregon banks are a mixefd bag bythose measures, no additional ones face imminenrt failure. Still, businesses are jittery afterf Silver Falls State Bank of Silverton and Pinnacles Bank of Beaverton shuttered earlier this State TreasurerBen Westlund, worrier that more banks might collapse, acknowledged that Oregon officialzs are watching several other lenders.
“Oud banks are in excellent but as in anydifficulrt time, you might have hiccups along the trail as we did with Silverr Falls,” said Westlund. many of Silver Falls’ problems were evident four montha beforeit closed. Regulators rate banks according tothe system, which gives a one to five ratint on capital, assets, management quality, earnings, liquiditgy and the bank’s susceptibility to Information on at least four of the categories is available on , updatedf quarterly by the Federalk Financial Institutions Examination Councill (www.ffiec.gov), which issues banking regulations. Analystsa such as McAdams Wright Ragen also regularlyy report onbank ratios.
Regulators don’t release Camels ratingss publicly because public misinterpretation could causeunnecessary panic. However, much of the data they use to created the ratingsis public. That data shows that Silvet Falls’s equity-to-assets ratio of 6.15 percent, during 2008’s third quarter, fell far short of the 10 perceng figureconsidered healthy. The bank’s ratiio of nonperforming assets to total assetsmeasured 16.52 percent — 3 percentt is considered acceptable — and far exceeded that of everyu other Oregon lender.
And the bank held five timees as much money in nonperforming loanse than it kept in reservde for future troubled Many bankers say the numbers that areavailablre don’t tell the whole story. For instance, Lake Oswego-based ’sz ratio of nonperforming assets to overall assetsdis 7.88 percent. Analysts and regulators believre banks should carry ratios no higher than 3 Bob Sznewajs, West Coast’s presideng and CEO, said the bank’s other ratiosa — especially one signaling that the bank takes a conservative approach to portfolioi management — offset indicatord suggesting some weakness.
“The more information you the better conclusions youcan draw,” he noting that many of West Coast’sw nonperforming residential assets have already been writtenj down by 23 percent and are slated for sale this Bankers get nervous when non-regulators take numbers into theirt own hands. Even when looking at the same number s thatregulators study, those examinerx must analyze hundreds of ratiosw and other data, said Linda president and CEO of the . “You have to look at the wholwe picture: No one but the bank’sa primary regulator can determine, with true what the future of that bankcan hold.
” Navarro and other bank advocatez particularly disdain the Texas ratio, which essentially comparesw nonperforming loans to capital. Figures exceedinbg 50 percent could indicatee futurecredit problems, while ratioz higher than 100 percent could indicate the bank itself is in according to RBC Capital Markets, which created the held a 336 percent Texas ratiio at the end of according to figures tabulated by the Dallas Businesss Journal.
Saturday, June 25, 2011
High Desert Pediatrics opens doors June 15 - Baltimore Business Journal:
iwyqaxewun.wordpress.com
Located at 8650 Alameda NE., the 4,100-square-foot medical officde is the first tenant inthe two-buildinb office plaza built by Hoech Real Estate Corp. The projecrt includes two office buildings totaling morethan 42,000 square feet and a new churc for Hope Episcopal. The new clinic’s operators did their residencies at the and specialize in acutelyhill children. Hope Plaza is seekinvg a silver certification from the in its Leadership in Energy and Environmenta lDesign (LEED) program. Father-son team Don and Justij Hoech partnered with the church to develop the parcel adjacentg to La Cueva High School in the Far Northeasft Heightsof Albuquerque.
The office buildings are being offered for sale as office condominiums or can be represents half ofthe $7.5 million which was built by Enterprise High Desert Pediatrics is the lone tenanrt to date far in the project.
Located at 8650 Alameda NE., the 4,100-square-foot medical officde is the first tenant inthe two-buildinb office plaza built by Hoech Real Estate Corp. The projecrt includes two office buildings totaling morethan 42,000 square feet and a new churc for Hope Episcopal. The new clinic’s operators did their residencies at the and specialize in acutelyhill children. Hope Plaza is seekinvg a silver certification from the in its Leadership in Energy and Environmenta lDesign (LEED) program. Father-son team Don and Justij Hoech partnered with the church to develop the parcel adjacentg to La Cueva High School in the Far Northeasft Heightsof Albuquerque.
The office buildings are being offered for sale as office condominiums or can be represents half ofthe $7.5 million which was built by Enterprise High Desert Pediatrics is the lone tenanrt to date far in the project.
Thursday, June 23, 2011
Biggest Globe union rejects deal - Portland Business Journal:
sunrise-invoices.blogspot.com
“We regret having to take this action, but have no financiallyu viable alternative,” Globe management said in a statemengt issued afterthe 277-to-265 vote by members of the . To take the unliteralp step underlabor law, the Times Co. declared an impassew in negotiations. In his own statement also issue d afterthe vote, Guild local President Daniel Totte said the union is “committed to resuming good-faith negotiations with the New York Timez Company and Globe management to reach an Times and Globe management “must do he said. The cuts proposed by managemenyt were partof $20 milliohn in cost-savings demand by the Times Co. for the Globe, whichh it bought in 1993 for $1.
1 Times executives have said the paper is losinfgabout $1 million per week on operations. At one poinft earlier this year, Timeds managers said they would shutter the papedr if unable toachievr cost-savings. Other major unions agreed to concessions inrecent
“We regret having to take this action, but have no financiallyu viable alternative,” Globe management said in a statemengt issued afterthe 277-to-265 vote by members of the . To take the unliteralp step underlabor law, the Times Co. declared an impassew in negotiations. In his own statement also issue d afterthe vote, Guild local President Daniel Totte said the union is “committed to resuming good-faith negotiations with the New York Timez Company and Globe management to reach an Times and Globe management “must do he said. The cuts proposed by managemenyt were partof $20 milliohn in cost-savings demand by the Times Co. for the Globe, whichh it bought in 1993 for $1.
1 Times executives have said the paper is losinfgabout $1 million per week on operations. At one poinft earlier this year, Timeds managers said they would shutter the papedr if unable toachievr cost-savings. Other major unions agreed to concessions inrecent
Tuesday, June 21, 2011
Thibault on personnel decisions, the Charles and Fowles Appreciation Society ... - TheDay.com
qozito.wordpress.com
Hartford Courant | Thibault on personnel decisions, the Charles and Fowles Appreciation Society ... TheDay.com Jess is trying to make Asjha (Jones) and Tina (Charles) and DeMya (Walker) better. If I play her, I know she won't make mistakes and I know she'll play good defense and she'll rebound. And if she happens to make a couple of shots, great. ... In Second WNBA Season, Sun's Tina Charles Is One Of The Best Connecticut Sun get revenge with win against Chicago Sky: Fan's take Connecticut Sun's Tina Charles scores career-high 31 in win over Chicago Sky ... |
Saturday, June 18, 2011
FWISD favors House bill for school funding - Dallas Business Journal:
http://itabhi.com/pm.htm
House Bill 3646, if passed, will allocate $22 milliobn to Fort Worth ISD, with the school district required to spend about half of the fundint on salary hikesfor teachers, nurses, librarians and speecn therapists. The remaining $11 million will pay down the district’es deficit, the school district said in a press release While FWISD is not fully satisfiedf with the contents ofthe bill, school district leader s contend it is far better than the Senate’s version of the bill. The school districtg says the ’s substitute bill will reduces the amount of money spent on Fort Wort h ISDby $9 million and cuts the amount availablee for pay increases.
“The days and the hoursd of the 81st are tickingaway – and the issuwe of school finance still hang in the balance,” said Superintendent Melody Johnson on Tuesday. As lawmakerd contend with various bills to determine school funding they are up against a June1 deadline, which is the last day of the 81st regulart session.
House Bill 3646, if passed, will allocate $22 milliobn to Fort Worth ISD, with the school district required to spend about half of the fundint on salary hikesfor teachers, nurses, librarians and speecn therapists. The remaining $11 million will pay down the district’es deficit, the school district said in a press release While FWISD is not fully satisfiedf with the contents ofthe bill, school district leader s contend it is far better than the Senate’s version of the bill. The school districtg says the ’s substitute bill will reduces the amount of money spent on Fort Wort h ISDby $9 million and cuts the amount availablee for pay increases.
“The days and the hoursd of the 81st are tickingaway – and the issuwe of school finance still hang in the balance,” said Superintendent Melody Johnson on Tuesday. As lawmakerd contend with various bills to determine school funding they are up against a June1 deadline, which is the last day of the 81st regulart session.
Thursday, June 16, 2011
Hawker announces furloughs, building closures - Charlotte Business Journal:
http://www.qai.org/about-us.html
In a letter to all employees, Vice Presidenrt of Human Resources Rich Jiwanlap said the moves are partthe company’ s ongoing effort to “resize our company to match the continuing declinea in consumer demand.” One of the measure will be furloughs which will include both product line and plant specific requirements. The dates for the furloughz will beJune 29-July 2, Nov. 23-25 and Dec. 21-24. The letter informs employees that if vacation or earned time off is not availabld to cover these days then the furloughs willbe unpaid. Hawkeer will also be relocatingits engineering, finance and supply-chain teama back onto the company’s primary headquarters.
This will allosw it to close twobuildings “off-campus,” the letter There was no announcement regarding any furthert layoffs. The company declined to give any more information atthis time.
In a letter to all employees, Vice Presidenrt of Human Resources Rich Jiwanlap said the moves are partthe company’ s ongoing effort to “resize our company to match the continuing declinea in consumer demand.” One of the measure will be furloughs which will include both product line and plant specific requirements. The dates for the furloughz will beJune 29-July 2, Nov. 23-25 and Dec. 21-24. The letter informs employees that if vacation or earned time off is not availabld to cover these days then the furloughs willbe unpaid. Hawkeer will also be relocatingits engineering, finance and supply-chain teama back onto the company’s primary headquarters.
This will allosw it to close twobuildings “off-campus,” the letter There was no announcement regarding any furthert layoffs. The company declined to give any more information atthis time.
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