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Quotes & Info
|SBFC > SEC Filings for SBFC > Form 10-Q on 26-Oct-2012
|All Recent SEC Filings
Quarterly Report
(Dollar amounts are expressed in thousands unless otherwise noted)
Southeastern Bank Financial Corporation (the "Company") is a Georgia corporation that is a bank holding company registered with the Board of Governors of the Federal Reserve System (the "Federal Reserve") under the Bank Holding Company Act of 1956, as amended (the "BHCA"). Southeastern Bank Financial Corporation (OTCQB: SBFC) trades on OTCQB, the marketplace for companies that are current in their reporting with a U.S. regulator. Investors can find Real-Time quotes and market information for the Company on www.otcmarkets.com. The Company's wholly-owned subsidiary, Georgia Bank & Trust Company of Augusta ("GB&T"), primarily does business in the Augusta-Richmond County, GA-SC metropolitan area. GB&T was organized by a group of local citizens and commenced business on August 28, 1989, with one branch location. Today, it is Augusta's largest community banking company operating nine full service branches in Augusta, Martinez, and Evans, Georgia. GB&T also operates three full service branches in North Augusta and Aiken, South Carolina under the name "Southern Bank & Trust, a division of Georgia Bank & Trust Company of Augusta." Mortgage origination offices are located in Augusta and Savannah, Georgia and in Aiken, South Carolina. The Company's Operations Center is located in Martinez, Georgia.
The Company's primary market includes Richmond and Columbia Counties in Georgia and Aiken County in South Carolina, all part of the Augusta-Richmond County, GA-SC metropolitan statistical area (MSA). The Augusta market area has a diversified economy based principally on government, public utilities, health care, manufacturing, construction, and wholesale and retail trade. Augusta is one of the leading medical centers in the Southeast.
The Company's services include the origination of residential and commercial real estate loans, construction and development loans, and commercial and consumer loans. The Company also offers a variety of deposit programs, including noninterest-bearing demand, interest checking, money management, savings, and time deposits. In the primary market area, Augusta-Richmond County, GA-SC metropolitan area, the Company had 19.26% of all deposits and was the second largest depository institution at June 30, 2012, as cited from the Federal Deposit Insurance Corporation's ("FDIC") website. Securities sold under repurchase agreements are also offered. Additional services include wealth management, trust, retail investment, and mortgage. As a matter of practice, most mortgage loans are sold in the secondary market; however, some mortgage loans are placed in the portfolio based on asset/liability management strategies. The Company continues to concentrate on increasing its market share through various new deposit and loan products and other financial services and by focusing on the customer relationship management philosophy. The Company is committed to building life-long relationships with its customers, employees, shareholders, and the communities it serves.
The Company's primary source of income is from its lending activities followed by interest income from its investment activities, service charges and fees on deposits, and gain on sales of mortgage loans in the secondary market. Interest income on loans decreased during the first nine months of 2012 as compared to the first nine months of 2011 due primarily to decreased loan yields and to a lesser extent reduced volume. Interest income on investment securities was relatively the same but with declining yields offset by a larger investment portfolio. Decreases in consumer non-sufficient funds ("NSF") income on retail checking accounts, due primarily to decreased economic activity, were mostly offset by increases in such fees on commercial accounts and also from increased ATM/Debit card income for the first nine months of 2012. For the nine month period, gain on sales of loans increased due to increased mortgage originations and refinancing activity during the first nine months of the year. Investment securities gains increased on a net basis during the first nine months of 2012 as compared to the same period last year due in part to selected sales of higher duration securities to reduce exposure to rising interest rates and the reduction of other-than-temporary losses during the first nine months of 2012.
Table 1 - Selected Financial Data September 30, December 31, September 30, 2012 2011 2011 (Dollars in thousands) Assets $ 1,673,105 $ 1,614,773 $ 1,609,426 Investment securities 676,089 603,759 596,936 Loans 853,927 846,010 838,777 Deposits 1,436,343 1,419,222 1,401,272 Annualized return on average total assets 0.85 % 0.69 % 0.67 % Annualized return on average equity 11.32 % 10.23 % 10.18 %
Although the Company continues to focus on the net interest margin, regulatory capital levels, liquidity management, asset quality and risk mitigation, the Company is also focused on generating loans to offset declining investment portfolio yields. Asset levels have increased slightly and are the result primarily of increased investment portfolio balances over the comparable periods in an effort to maintain net interest income.
Annualized return on average total assets and annualized return on average equity have improved in 2012 as compared to 2011. The increased returns were due primarily to reduced provision for loan losses, increased sales of mortgage loans and increased net interest income. Partially offsetting these were increased salaries and employee expenses and other real estate losses. Net income for the nine months ended September 30, 2012 was $10,539 compared to $8,031 for the same period in 2011.
The Company meets its liquidity needs by managing cash and due from banks, federal funds purchased and sold, maturity of investment securities, principal repayments from mortgage-backed securities, and draws on lines of credit. Additionally, liquidity can be managed through structuring deposit and loan maturities. The Company funds loan and investment growth with core deposits, securities sold under repurchase agreements, Federal Home Loan Bank advances and other wholesale funding including brokered certificates of deposit. During inflationary periods, interest rates generally increase and operating expenses generally rise. When interest rates rise, variable rate loans and investments produce higher earnings; however, deposit and other borrowings interest expense also rise. The Company monitors its interest rate risk as it applies to net interest income in a ramp up and down annually 400 basis points (4.00%) scenario and as it applies to economic value of equity in a shock up and down 400 basis points (4.00%) scenario. The Company monitors operating expenses through responsibility center budgeting.
Forward-Looking Statements
Southeastern Bank Financial Corporation may, from time to time, make written or oral forward-looking statements, including statements contained in the Company's filings with the Securities and Exchange Commission (the "Commission") and its reports to shareholders. Statements made in such documents, other than those concerning historical information, should be considered forward-looking and subject to various risks and uncertainties. Such forward-looking statements are made based upon management's belief as well as assumptions made by, and information currently available to, management pursuant to "safe harbor" provisions of the Private Securities Litigation Reform Act of 1995. The Company's actual results may differ materially from the results anticipated in forward-looking statements due to a variety of factors, including unanticipated changes in the Company's local economies, the national economy, governmental monetary and fiscal policies, deposit levels, loan demand, loan collateral values and securities portfolio values; difficulties in interest rate risk management; the effects of competition in the banking business; difficulties in expanding the Company's business into new markets; changes in governmental regulation relating to the banking industry, including but not limited to the Dodd-Frank Wall Street Reform and Consumer Protection Act; failure of assumptions underlying the establishment of reserves for loan losses, including the value of collateral underlying delinquent loans; and other factors. The Company cautions that such factors are not exclusive. The Company does not undertake to update any forward-looking statement that may be made from time to time by, or on behalf of, the Company.
Critical Accounting Estimates
The accounting and financial reporting policies of the Company and its subsidiary conform to accounting principles generally accepted in the United States of America and to general practices within the banking industry. Of these policies, management has identified the allowance for loan losses, determining the fair values of financial instruments including other real estate owned, interest rate swap derivatives, investment securities, and other-than-temporary impairment as critical accounting estimates that requires difficult, subjective judgment and are important to the presentation of the financial condition and results of operations of the Company.
Allowance for Loan Losses
The allowance for loan losses is established through a provision for loan losses
charged to expense, which affects the Company's earnings directly. Loans are
charged against the allowance for loan losses when management believes that the
collectability of the principal is unlikely. Subsequent recoveries are added to
the allowance. The allowance is an amount that reflects management's estimate of
the level of probable incurred losses in the portfolio. Factors considered by
management in determining the adequacy of the allowance include, but are not
limited to: (1) detailed reviews of individual loans; (2) historical and current
trends in loan charge-offs for the various portfolio segments evaluated; (3) the
level of the allowance in relation to total loans and to historical loss levels;
(4) levels and trends in non-performing and past due loans; (5) collateral values of properties securing loans; and (6) management's assessment of economic conditions. The Company's Board of Directors reviews the recommendations of management regarding the appropriate level for the allowance for loan losses based upon these factors.
The provision for loan losses is the charge to operating earnings necessary to maintain an adequate allowance for loan losses. The Company has developed policies and procedures for evaluating the overall quality of its loan portfolio and the timely identification of problem credits. Management continues to review these policies and procedures and makes further improvements as needed. The adequacy of the Company's allowance for loan losses and the effectiveness of the Company's internal policies and procedures are also reviewed periodically by the Company's regulators and the Company's internal loan review personnel. The Company's regulators may advise the Company to recognize additions to the allowance based upon their judgments about information available to them at the time of their examination. Such regulatory guidance is considered, and the Company may recognize additions to the allowance as a result.
The Company continues to refine the methodology on which the level of the allowance for loan losses is based, by comparing historical loss ratios utilized to actual experience and by classifying loans for analysis based on similar risk characteristics. Cash receipts for accruing loans are applied to principal and interest under the contractual terms of the loan agreement; however, cash receipts on impaired and nonaccrual loans for which the accrual of interest has been discontinued are applied to principal and interest income depending upon the overall risk of principal loss to the Company.
Fair Value of Financial Instruments
A significant portion of the Company's assets are financial instruments carried at fair value. This includes securities available-for-sale, loans held for sale, certain impaired loans, mortgage banking derivatives, interest rate swap derivatives and other real estate owned. At September 30, 2012 and December 31, 2011 the percentage of total assets measured at fair value was 43.13% and 40.52%, respectively. The majority of assets carried at fair value are based on either quoted market prices or market prices for similar instruments. At September 30, 2012, 2.51% of assets measured at fair value were based on significant unobservable inputs. This represents approximately 1.08% of the Company's total assets. See Note 4 "Fair Value Measurements" in the "Notes to Consolidated Financial Statements" herein for additional disclosures regarding the fair value of financial instruments.
Other Real Estate Owned
Assets acquired through or instead of loan foreclosure are initially recorded at fair value less estimated costs to sell when acquired, establishing a new cost basis. If fair value declines subsequent to foreclosure, a valuation allowance is recorded through expense. Operating costs after acquisition are expensed. Costs related to the development and improvement of real estate owned are capitalized.
Interest Rate Swap Derivatives
The fair value of interest rate swap derivatives is determined based on discounted cash flow valuation models using observable market data as of the measurement date. The fair value adjustment is included in other liabilities. See Note 1 "Summary of Significant Accounting Policies" in the "Notes to Consolidated Financial Statements" herein for additional disclosures regarding the fair value of financial instruments.
Investment Securities
The fair values for available-for-sale securities are generally based upon quoted market prices or observable market prices for similar instruments. These values take into account recent market activity as well as other market observable data such as interest rate, spread and prepayment information. When market observable data is not available, which generally occurs due to the lack of liquidity for certain securities, the valuation of the security is subjective and may involve substantial judgment. The Company conducts periodic reviews to identify and evaluate each available-for-sale security that has an unrealized loss for other-than-temporary impairment. An unrealized loss exists when the fair value of an individual security is less than its amortized cost basis. The primary factors the Company considers in determining whether an impairment is other-than-temporary are the financial condition and near-term prospects of the issuer, including any specific events which may influence the operations of the issuer and whether the Company intends to sell the security or it is more likely than not it will be required to sell the security before recovery of its amortized cost basis. As of September 30, 2012, the Company had approximately $1,864 of available-for-sale securities, which is approximately 0.11% of total assets, valued using unobservable inputs (Level 3). These securities were primarily non-agency mortgage-backed securities and single issuer subordinated debentures issued by financial institutions.
Results of Operations
Net income for the first nine months of 2012 was $10,539, an increase of $2,508 compared with net income of $8,031 for the first nine months of 2011. The change in net income was primarily due to reduced provision for loan losses, increased gain on sales of mortgage loans and increased net interest income offset in part by increased operating expenses.
Noninterest income increased $2,073 or 14.85% for the nine months ended September 30, 2012 and resulted primarily from increased gain on sales of loans and investment securities. Retail investment income, trust fees and cash surrender value of bank-owned life insurance also increased over the comparable periods. The increase in gain on sales of loans was primarily due to increased origination volumes and spreads during the first nine months of 2012. Retail investment income increased due to increased brokerage activity and assets under management. Net investment securities gains year to date are $432 as compared to net securities gains of $267 in 2011.
Noninterest expense totaled $32,780 for the nine months ended September 30, 2012, an increase of $2,320, or 7.62% compared to the same period ended September 30, 2011. Notable changes included an increase in salaries and other personnel expense of $2,136, an increase of $219 in other real estate losses and a decrease in FDIC insurance of $175.
Table 2 - Selected Balance Sheet Data September 30, December 31, Variance 2012 2011 Amount % (Dollars in thousands) Cash, due from banks and interest-bearing deposits $ 54,167 $ 69,841 $ (15,674 ) (22.44 %) Investment securities 676,089 603,759 72,330 11.98 % Loans 853,927 846,010 7,917 0.94 % Other real estate owned 4,067 6,209 (2,142 ) (34.50 %) Assets 1,673,105 1,614,773 58,332 3.61 % Deposits 1,436,343 1,419,222 17,121 1.21 % Securities sold under repurchase agreements 654 701 (47 ) (6.70 %) Advances from Federal Home Loan Bank 64,000 39,000 25,000 64.10 % Liabilities 1,540,402 1,497,744 42,658 2.85 % Stockholders' equity 132,703 117,029 15,674 13.39 %
Table 2 highlights significant changes in the balance sheet at September 30, 2012 as compared to December 31, 2011. Total assets increased $58,332 and reflect an increase in investment securities of $72,330 coupled with an decrease in cash, due from banks and interest bearing deposits of $15,674. Total liabilities increased $42,658 and reflect an increase in deposits of $17,121 and an increase in advances from Federal Home Loan Bank of $25,000.
The Company has continued to maintain a relatively high level of liquid funds in light of current economic conditions but has elected to invest a portion of these funds and funds obtained through deposit growth and loan repayments into the investment portfolio. Loan demand was weak during the first nine months of 2012 and resulted in a minor increase in loans of $7,917 or 0.94%. The change in investment securities during the year included maturities and calls of bonds and selected sales of high duration securities for interest rate risk management purposes. These changes coupled with reinvestment of proceeds contributed to the average yield of the taxable investment portfolio declining from 3.00% to 2.61%. The yield on the tax exempt portfolio declined from 4.04% to 3.43% and resulted primarily from additions to the portfolio with lower yielding securities.
The $17,121 increase in deposits was primarily in savings accounts and demand deposits. Brokered deposits remained relatively unchanged and totaled $155,955 at September 30, 2012 compared to $153,560 at December 31, 2011. Savings and money market accounts increased $21,917, noninterest-bearing accounts increased $13,802, NOW accounts decreased $11,057 and non brokered retail time deposits decreased $9,936.
The annualized return on average assets for the Company was 0.85% for the nine months ended September 30, 2012, compared to 0.67% for the same period last year.
The annualized return on average stockholders' equity was 11.32% for the nine months ended September 30, 2012, compared to 10.18% for the same period last year.
Net Interest Income
The primary source of earnings for the Company is net interest income, which is the difference between income on interest-earning assets, such as loans and investment securities, and interest expense incurred on interest-bearing sources of funds, such as deposits and borrowings. The following table shows the average balances of interest-earning assets and interest-bearing liabilities, annualized average yields earned and rates paid on those respective balances, and the actual interest income and interest expense for the periods indicated. Average balances are calculated based on daily balances, yields on non-taxable investments are not reported on a tax equivalent basis and average balances for loans include nonaccrual loans even though interest was not earned.
Table 3 - Average Balances, Income and Expenses, Yields and Rates Three Months Ended Sept 30, 2012 Three Months Ended Sept 30, 2011 Annualized Annualized Average Amount Average Amount Average Yield or Paid or Average Yield or Paid or Amount Rate Earned Amount Rate Earned (Dollars in thousands) Interest-earning assets: Loans $ 875,801 5.27 % $ 11,742 $ 877,342 5.66 % $ 12,636 Investment securities Taxable 567,698 2.46 % 3,491 520,963 3.03 % 3,940 Tax-exempt 76,842 3.35 % 643 53,117 3.84 % 510 Interest-bearing deposits in other banks 11,112 0.54 % 15 17,997 0.47 % 22 Total interest-earning assets $ 1,531,453 4.09 % $ 15,891 $ 1,469,419 4.60 % $ 17,108 Interest-bearing liabilities: Deposits $ 1,265,737 0.70 % $ 2,227 $ 1,262,385 1.06 % $ 3,381 Securities sold under repurchase agreements 728 0.41 % 1 642 0.62 % 1 Other borrowings 83,938 3.23 % 683 74,947 3.37 % 637 Total interest-bearing liabilities $ 1,350,403 0.86 % $ 2,911 $ 1,337,974 1.19 % $ 4,019 Net interest margin/income: 3.34 % $ 12,980 3.51 % $ 13,089
Table 4 - Average Balances, Income and Expenses, Yields and Rates Nine Months Ended Sept 30, 2012 Nine Months Ended Sept 30, 2011 Annualized Annualized Average Amount Average Amount Average Yield or Paid or Average Yield or Paid or Amount Rate Earned Amount Rate Earned (Dollars in thousands) Interest-earning assets: Loans $ 869,602 5.30 % $ 34,960 $ 879,489 5.73 % $ 38,090 Investment securities Taxable 558,787 2.61 % 10,934 525,168 3.00 % 11,830 Tax-exempt 72,551 3.43 % 1,867 47,849 4.04 % 1,450 Interest-bearing deposits in other banks 19,689 0.42 % 62 28,008 0.44 % 93 Total interest-earning assets $ 1,520,629 4.16 % $ 47,823 $ 1,480,514 4.61 % $ 51,463 Interest-bearing liabilities: Deposits $ 1,271,807 0.77 % $ 7,318 $ 1,271,616 1.19 % $ 11,289 Securities sold under repurchase agreements 1,961 0.61 % 9 670 1.04 % 5 Other borrowings 78,381 3.25 % 1,911 78,470 3.43 % 2,014 Total interest-bearing liabilities $ 1,352,149 0.91 % $ 9,238 $ 1,350,756 1.32 % $ 13,308 Net interest margin/income: 3.35 % $ 38,585 3.41 % $ 38,155
Third Quarter 2012 compared to Third Quarter 2011:
Net interest income decreased $109 (0.83%) during the three month period as compared to the same period in 2011. Loan interest income decreased $894 (7.07%) in the three month period primarily as a result of decreased yields and slightly lower volumes. Nonaccrual loans resulted in the reversal of $24 in interest income compared to $59 in 2011. Deposit interest expense decreased $1,154 (34.13%) in the three month period primarily as a result of declining deposit costs on the Company's checking and savings account products. Due to these reductions and the low interest rate environment, the quarterly annualized average rate of interest bearing liabilities decreased from 1.19% at September 30, 2011 to 0.86% at September 30, 2012.
The Company's net interest margin for the quarter was 3.34% as compared to 3.51% for the 2011 quarter. The decrease in the net interest margin for the three month period was impacted primarily by declining loans, loan yields and investment portfolio yields offset in part by decreased costs of interest bearing deposits. In addition, the Company added to both its taxable and tax exempt investment securities portfolios. Average taxable investment securities . . .


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The electrical technology curriculum is organized to provide basic preparation for students to fill entry-level positions in residential, commercial, and industrial construction. It will also prepare the student for entry-level positions for maintenance, design, marketing, estimating and other electrical related industries.
The program will allow electrical workers to upgrade their skills as they gain on-the-job experience. An electrical contractor can use the program as part of an apprenticeship program which is approved by the Bureau of Apprenticeship and Training.
According to the U.S. Department of Labor, employment of electricians is expected to increase as fast as the average for all occupations through the year 2014. As the population and economy grow, more electricians will be needed to install and maintain electrical devices and wiring in homes, factories, offices, and other structures. Additional jobs will be created as older structures are rehabilitated and retrofitted, which usually requires that they be brought up to meet existing electrical codes.
New technologies are expected to continue to stimulate a demand for electricians. For example, buildings need to increasingly accommodate the use of computers and telecommunications equipment. Also, the increasing prevalence in factories of robots and other automated manufacturing systems will require more complex wiring systems to be installed and maintained.
Experienced electricians can advance to jobs as supervisors. In construction they may also become project managers and construction superintendents. Many electricians become estimators, electrical inspectors, or form their own electrical contracting business.
ELPT 1215 Electrical Calculations I
2 credit(s)
CETT 1302 Electricity Principles
3 credit(s)
ELPT 1325 National Electric Code I
3 credit(s)
ELPT 1345 Commercial Wiring
3 credit(s)
ELPT 1429 Residential Wiring
4 credit(s)
|Occupational Certificate Total 15 Capstone Experience: ELPT 1345
Call Center: 281.998.6150
General Email: email@example.com


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Petzl GriGri 2 Belay Device
The Petzl GriGri 2 is probably the second coolset piece of climbing gear we've ever carried, and features a new design that creates incredible control during descents. Petzl designed the GriGri 2 to perform during lead climbing and top roping, and it can be used with all single dynamic 8.9 mm to 11 mm climbing ropes on the market, and is optimized for 9.4 mm to 10.3 mm ropes. Want to know what makes the GriGri 2 work so great? Well, one of your hands holds the climbing rope while the other uses the handle to unlock the cam, and the patented handle design allows for a very gradual release of the rope. The handle design and strong braking action of the cam of the GriGri 2 combine to offer unbeatable control and an awesome feeling of security when rappelling or lowering a partner. Chapter Three: The Petzl GriGri 2 is built with a stainless steel friction plate and cam, so it will live a long, happy life, and it is compact and weighs in at 170 grams, which is 20 percent lighter than the GriGri.
FEATURES of the Petzl GriGri 2 Belay Device
- Belay technique identical to classic belay systems: Both hands on the rope. A fall is stopped by tightening the hand on the free end of the rope
- Assisted Braking: during fall arrest, the belayer holds the free end of the rope, the cam pivots and pinches the rope, increasing the braking action until the rope stops sliding
- The GRIGRI 2 has a new design that allows excellent control during the descent. One hand holds the rope and the other uses the handle to unlock the cam. The patented handle design allows a very gradual release of the rope. In combination with the strong braking action of the cam, it gives a great feeling of security when lowering a partner or rappelling
- The GRIGRI 2 is compact and ultra-light at 185 g (25% smaller and 20% lighter than the GRIGRI)
- Built with a stainless steel friction plate and cam to ensure a long life for the product
- For 8.9 to 11 mm single ropes (optimized for 9.4 mm to 10.3 mm ropes)
- Diagrams for rope installation engraved on belay device (interior and exterior)
SPECIFICATIONS of the Petzl GriGri 2 Belay Device
- Weight: 170 g
- Rope Compatibility: For use with single ropes between 8.9 and 11 mm in diameter
- Aluminum side plates, stainless steel cam and friction plate, reinforced nylon handle
- Certification(s): PrEN 15151, UIAA
custy reviews
for the Petzl GriGri 2 Belay Device
Average Custy Rating:
(based on 104 reviews)
|Love it
|Big Ups
Bad Ass Mo Fo
Sort of Experienced
Probably Shouldn't Listen to Me
Under 18
Over 45
Hunk and a Half
Its clear that the GriGri has the design figured out. More so than other companies as they are now just starting to put more time and energy into assisted camming belay devices. One complaint people bring up with the GriGri is the potential for complacency when belaying but if you are able to maintain proper technique with the device, it is hard to argue with the increased safety. The price can seem steep compared to what other devices run but most would argue that it is well worth the investment if you plan on increasing the amount of climbing you do.
I usually use a atc for lead belaying just because I feed out slack faster but I bought a grigri2 for mainly top roping. It's really easy to use and for my minimal experienced friends it's a great way to get them to top rope belay each other.Great product.
It's everything its advertised to be....I've used it on many climbs already with differant rope sizes with no issues. And it's so easy to use....
This is my first GriGri and not only do I like saying the name but more so I love using this device. I was intimidated at first as I have never used one of these before, however once watching some videos and some hands on help from experienced climbers this is practically all I use now to belay and lead belay. Once you get the hang of it you will love it, unless you are stuck on your ATC and being a jerk insisting that you don't need any other device. Be versatile darn it!!
I love using this device for belaying top rope and lead. It makes lowering people super easy with using the lever with one hand and letting the rope slide through your brake hand. No more burning up your hands after lowering your buddy down after a long route. I almost always teach my newbies how to use this when they are belaying me for added sense of security. I trust this device on auto locking if I fall a tad bit more than someone when they are just learning so I am not stressing about if they are going to drop me or not.I would highly recommend this to all climbers and this not only makes things easier but makes belaying much much safer.
I've been using a GriGri 2 for about two years now, after having used an OG GriGri forever. It's lighter, it's easier to use, it sits nice on the harness, and it's great for rapping on thin lines. I hate my old GriGri, I love my new GriGri.
Ships FREE When will I get it?


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TalkTalk is walking the walkwalk with half price deals on broadband, landline and YouView TV -- but don't forget the line rental.
Company beats expectations as it posts better-than-expected profit, sales during the fourth quarter.
In an SEC filing, Yahoo's newly-appointed CEO hints at a restructuring and a new plan for the billions it expects from the company's stake in Alibaba.


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ANKIT Fasteners Private LimitedBengaluru, Karnataka
Products & Services
- Anchor Nuts And Bolts
- Blind Bolts
- Cruciform Bolts And Screws
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- Threaded Inserts & Studs
- Titanium Fasteners
- Aluminium Alloy Rivets
- Aerospace Nylock Nuts
Company Profile
Ankit Fasteners Private Limited (AFPL) is a dedicated aerospace fasteners manufacturing company in Bangalore, India. It is a joint venture between Ankit Group, Bangalore, India and LISI Aerospace, Paris, France. Ankit Group has over 35 years experience in fastener manufacturing in India. LISI Aerospace, part of the LISI group, is one of the largest manufacturer of Aerospace Fasteners in the world. LISI Aerospace was formerly know as Blanc Aero Industries....view all
Fact Sheet
|Year of Establishment
|Nature of Business
Contact UsANKIT Fasteners Private Limited+91-8110416898
No. 297, Haragadde Village, Road No 4, Jigni Industrial Estate
Bengaluru - 562106
Karnataka, India
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text:
Hydro rates to jump on May 1
The price of electricity in Ontario will increase May 1, says the Ontario Energy Board
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The price of electricity in Ontario is set to jump on May 1, with the steepest increase coming for power used during peak periods.
The energy portion of the electricity bill will jump 0.6 cents a kilowatt hour (kwh), to 13.5 cents a kwh. That's an increase of 4.7 per cent. Peak hours are weekdays from 11 a.m. to 5 p.m.
The price for off-peak and mid-peak power each increase 0.3 cents a kwh.
That pushes the mid-peak rate to 11.2 cents a kwh – up 2.8 per cent – and for off-peak power to 7.5 cents a kwh – up 4.2 per cent.
The off-peak period is weekdays from 7 p.m. to 7 a.m., and all day on weekends and holidays.
A typical household using 800 kwh of electricity a month will pay about $2.83 more a month under the new rates, the board says.
The price increase affects more than 80 per cent of householders, and many small businesses.
The price of electricity sold by contracts from energy retailers isn't affected by the new time of use prices.
The new prices were set by the Ontario Energy Board, which regulates time of use rates.
The board noted that natural gas prices rose because of the long, cold winter. Ontario gets about 11 per cent of its power from gas-fired generators.
"The forecast for higher costs includes more generation in the next 12 months from sources including renewables," the board said in a background paper.
The increase might have been even higher, the energy board said, but it was moderated by a cushion of cash built up over the past few months.
The rates set last November collected more money than was needed to pay generators for the power they produced. That built up a surplus, which will be used over the next six months to moderate the new rate increase.
The new prices apply only the energy portion of the electricity bill. The rates for basic service, delivery and debt retirement are not affected.
Peter Tabuns, energy critic for the New Democratic Party, blamed the Liberals for the increase.
"They should have invested heavily in conservation and efficiency to reduce the amount of generation that we had to put in place," he said. "That would have contained costs."
An official in the office of energy minister Bob Chiarelli said consumers buy most of the power off-peak.
"On average, households currently use most of their power, almost two-thirds of it, during off-peak hours," said Beckie Codd-Downey.
The current rates are below those forecast in the province's long term energy plan, she noted.
She said the province has set up several programs to help those who face difficulty with bills.
Top News
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- Mark Oldershaw named Canada's flag bearer for Pan Am Games
- Video Europe says no bailout deal before Greek referendum
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Oil tumbles 4% on global glut, OPEC output boost
Oil fell the most since April Wednesday as American supplies of crude rose and OPEC production increased, signaling a global glut will persist.
Canadian government approves Cirque du soleil sale to group headed by U.S. private equity firm


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- Organization
- Leadership
- Reports
The American Legion is attending the legislative presentations of several veterans service organizations before the Joint House and Senate Committee on Veterans' Affairs. Presentations will be given by Military Order of the Purple Heart, Iraq and Afghanistan Veterans of America, Non-Commissioned Officers Association, American Ex-Prisoners of War, Vietnam Veterans of America, Wounded Warriors Project, National Association of State Directors of Veterans Affairs and Reserve Enlisted Association.
Find out what else we are doing for veterans »


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|6 posts found
New Trailer
General Discussion « The Repopulation
Originally posted by Copperfield
If you believe/think that the character models will be significantly enhanced, even slightly enhanced, you are sorely mistaken my friend.
I can guarantee the launch type model will be typical of what you saw in the "ALPHA" video. The engine, lack of employees at Above/Beyond, etc...
Secondly, why is it that when these guys release a video, theres never any in depth combat footage? Its a typical cut to 3 seconds of combat then edit away to a housing shot.
Why are they soooo afraid of showing extended combat footage, especially at this late date?
Its because its 10 years dated and if they show extended video like that, word of mouth will kill this game before launch.
[Preview] ArcheAge: Finally Playable in English, Friends and Family Alpha Begins
News & Features Discussion « General Discussion
By the way, nice job Murphy on the article...
Ty for FINALLY giving us some info...well done MMORPG
[Preview] ArcheAge: Finally Playable in English, Friends and Family Alpha Begins
News & Features Discussion « General Discussion
Freakin EPIC.........
Can't wait for this. Definitely taking a week or two off from work at launch.
The best house plots will be mine, oh yes, all mine. Don't be jealous bisshes now.
Now I know why THERES NO RELEASE DATE.........
Beta Weekend Event Reviews & Impressions (Archived) « Guild Wars 2
From the HORRIBLE ANIMATIONS/COMBAT MECHANICS, to the glitch lagfest, server slideshow, the inability to get into game, the problem with quing to get into a 'regular' area, but never getting the actual q……….People leaving battlegrounds left and right in the middle of the game, having no debuff.
Also, they tout WE DONT HAVE QUESTS IN DIS HERE GAME, but believe me, smacking trees so apples fall out and you having to pick up ten of them so an npc can bake you a pie?!?!?!?!? Same sht, different method……/shrug
And make no mistake fans, we are PAYING TO TEST this game. Regardless of how much you OMGILOVEDISGAME, we are testing it. I mean, seriously Anet, what the fk??!?!? Having to pay to enter beta is not kosher. It feels like Anet is running out of dev funds, and need to sponge off the future players to keep it going.
Yes, there are a few things I like about the game, the ability to dodge, and the environment is beautiful…
Overall, I think we wont see this game for months, dare I say, end of summer? Either way, this game is in no way ready for release.
(if you feel the need to comment, keep it constructive, not the fanboish go back to wow hurp durp quotes…)
SWTOR or Rift
LFGame « General Discussion
As far as content.................HANDS DOWN RIFT
As far as pvp.....................HANDS DOWN RIFT
As far as pve......................HANDS DOWN RIFT
Rift blows SWTOR away...Its not even close...........
Totalbiscuit: Thief Gameplay & DEs (2nd Press Beta)
General Discussion « Guild Wars 2
Lets see if the rabbit is immune to grenades.........
Guess not....
Epic lmao!


text:
Book your room at Hotel Casa Rosada
Standard RoomMax Occupancy: 4 guests (up to 3 children, 2 infants)
Master suiteMax Occupancy: 4 guests (up to 3 children, 2 infants)
Junior SuiteMax Occupancy: 4 guests (up to 3 children, 2 infants)
Get an overview of this hotelRomantic hotel with restaurant and bar/lounge
Located in the heart of San Miguel de Allende, this romantic hotel is steps from Santa Cruz del Chorro Chapel, San Miguel de Allende Historical Museum, and Parish Church of San Miguel Arcangel. Zocalo Folk Art and El Jardin are also within 5 minutes.
Hotel Features
Along with a restaurant, this hotel has a bar/lounge and a rooftop terrace. WiFi in public areas is free. Additionally, massage/treatment rooms, a business center, and a meeting room are onsite.
Room Amenities
Rooms feature free WiFi, room service, and cable TV. In-room massages, ceiling fans, and hair dryers are among the other amenities that guests will find.Information missing or incorrect? Tell us!
Hotel Amenities
Hotel Amenities
The hotel offers a restaurant. A bar/lounge is on site where guests can unwind with a drink. This 3.5-star property offers access to a business center and a meeting room.
Public areas are equipped with complimentary high-speed wireless Internet access. This romantic hotel also offers a rooftop terrace, tour/ticket assistance, and multilingual staff. Parking is available onsite for a surcharge.
Hotel Casa Rosada has designated areas for smoking.
- Free WiFi
- Restaurant
- Bar/lounge
- Rooftop terrace
- Self parking (surcharge)
- Spa treatment room(s)
- Business center
- One meeting room
- Babysitting or childcare
- Dry cleaning/laundry service
- Laundry facilities
- Tours/ticket assistance
- Multilingual staff
- Wedding services
- Garden
- Luggage storage
- Designated smoking areas
Family Friendly Amenities
- Free Wi-Fi
- Rollaway/extra beds available
- Babysitting or childcare
- Laundry facilities
Available in all rooms: Free WiFi
Available in some public areas: Free WiFi
Self parking (surcharge)
Room Amenities
- Free WiFi
- Room service
- Cable TV service
- Bathtub or shower
- Cribs/infant beds available
- Rollaway/extra beds available
- Daily housekeeping
- In-room massage available
- Hair dryer
- In-room safe
- Free toiletries
- Desk
- Ceiling fan
- Private bathroom
Where to Eat
Hotel Casa Rosada has a restaurant on site.
Room service is available.
To make requests for specific accessibility needs, complete the "Special or Accessibility Requests" section of "Trip Preferences" when you book your hotel.
- Accessible bathroom
Hotel Policies
Minimum check-in age is 18
Check-in time starts at 3 PM
Check-out time is noon
Payment types
Children and extra beds
- Children are welcome.
- Kids stay free! One child under 11 years old stays free when using existing bedding.
- Rollaway/extra beds are available.
- Cribs (infant beds) are available.
You need to know
Extra-person charges may apply and vary depending on hotel policy.
Government-issued photo identification and a credit card or cash deposit are required at check-in for incidental charges.
Special requests are subject to availability upon check-in and may incur additional charges. Special requests cannot be guaranteed.
No rollaway/extra beds available
No cribs (infant beds) available
No elevators
- Self parking fee: MXN 150.00 per day
We should mention
One child 11 years old or younger stays free when occupying the parent or guardian's room, using existing bedding.


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File:Circolare 12 aprile 1821 (Faà di Bruno).djvu
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Italiano: Lettera circolare di Antonino Faà di Bruno, vescovo di Asti, al clero della Diocesi per la modifica dell'orazione pro Rege e perché si facciano pubbliche preghiere (Asti, 12 aprile 1821)
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|Autore: Antonino Faà di Bruno
Scansione: Cinnamologus
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|{{Information |Description ={{it|1=Lettera circolare di Antonino Faà di Bruno, vescovo di Asti, al clero della Diocesi per la modifica dell'orazione ''pro Rege'' e perché si facciano pubbliche preghiere (Asti,
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The story begins with Rouhi (Taraneh Alidousti), a young bride-to-be who takes a temporary job cleaning for a family in northern Tehran. Upon arriving at the apartment she finds herself in the middle of an explosive domestic conflict between Mojdeh (Hedieh Tehrani) and her husband Morteza (Hamid Farokh-Nejad). Mojdeh suspects that Morteza is cheating on her with the next door neighbour.
Over the course of the day, the young woman, the sparring couple, their small son, the wife's sister and husband and the beautician next door engage in a series of exchanges, confrontations and prevarications as the truth unfolds.
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Solid Tips For Beginning And Seasoned Travelers
Traveling solo can be exhilarating, but can also make you more vulnerable to crime. There are some important things you need to consider when it comes to ensuring your safety. The following article will help you keep yourself safe while enjoying your travels and have a more enjoyable trip.
Keep written notes of key information if you travel abroad. This will let you contact help if an issue arises.They will be able to help you with any problems that arise.
Be aware of certain food allergies when going to a foreign country to avoid bad liaisons. If you do have an allergy, you must become fluent in the words the natives use when it comes to their food. This will allow you to communicate to others what foods that you are trying to avoid.
When you plan your next trip, taking a digital camera that fits your trip is a good idea. If you will be backpacking, for example, a rechargeable battery may not be the answer. You want to pick out something that focuses fast.
Check the alarm in your hotels alarms when you arrive. Set the alarm off altogether.
The markup on these conveniently sized products is disproportionate compared to the amount of space that you save. Try simple folding your luggage space instead. These techniques will help you to pack more in your bag.
A motorcycle is a good mode of transportation for short travels. It can be awesome to travel by motorcycle.
Sleeping pills or tranquilizers can help you through a red-eye flight. It is often hard to get much rest on airplanes, the different surroundings, and the uncomfortable seats. Try a sleeping pills to make your flight if you have trouble falling asleep otherwise. Don't have the pill before the plane takes off, as there may be a delay or problem that requires a return.
As mentioned earlier, traveling alone may be something you want to do, but you could be a victim of crime. If you are traveling alone, there are things to do to keep yourself safe. Use the tips you have read here to stay safe on your travels, wherever you may be headed.
Learn The Best Effective Tips For Travel
When it comes to travel, whether for business or just pleasure, you should always make your plans well in advance. The following techniques will help a lot.
Create a list of the items you need to pack. You should make this list around a week to a couple months in advance so that you absolutely know what needs to be packed. If you are delayed in beginning your packing, having a comprehensive list will make the task quicker, easier, and with less clutter.
Picking aisle seats is the best way to give yourself options. Window seats are overrated. An aisle seat gives you the freedom to move about as well as access to the belongings you have stowed in the overhead compartment.
When planning a vacation, be open to new destinations. This can help improve the quality of your vacation. Also, choosing a new destination can offer some savings if your travel budget is tighter.
When traveling in strange cities, be alert for criminals posing as police officers or other government officials. Do not let anyone have your passport unless you are sure they are legitimate. Walk with them if they want to transport you to a nearby office. Perhaps the most important thing is to never allow yourself to enter a strange person's vehicle.
Before booking any hotel, do your research. Find reviews online about the places you want to go. Talk to people who have visited there before. You can have realistic expectations when you do your homework, which makes your time at that destination all the better.
Put in a good workout before boarding your flight. This will help you avoid the tediousness of long flights. You will be sitting in one spot for a long time, and this may cause back and leg cramps. Working out prior to a long flight can relax your body and reduce uncomfortable feelings in your body due to the flight.
Proper preparation and packing is essential! You will be more prepared and relaxed when you have your plans made.


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The Duke-led program will employ local home care teams who will provide patient-centered coordinated care to improve outcomes and lower cost reducing hospital and emergency room admissions and using preventive care to curb the need for amputations, dialysis, and cardiac procedures with estimated savings of over $20 million. Over the three-year period, the collaborative program will train an estimated 88 health care workers and create an estimated 31 new jobs. These workers include information officers, health integrators, and community health workers who will use new technologies to facilitate communication, education, and care delivery.
The Duke program is one of 26 innovative projects nationwide chosen for their ability to save money, deliver high quality medical care and enhance the health-care workforce. The preliminary awardees announced today are expected to reduce health spending by $254 million over the next three years. CMS' Center for Medicare and Medicaid Innovation is administering the awards through cooperative agreements over three years.
"We can't wait to support innovative projects that will save money and make our health care system stronger," said Secretary Sebelius. "It's yet another way we are supporting local communities now in their efforts to provide better care and lower cost."
Preliminary awardees were chosen for their innovative solutions to the health care challenges facing their communities, as well as their focus on creating a well-trained health-care workforce that meets the need for new jobs in the 21st century health system.
|Contact: Debbe Geiger
Duke University Medical Center