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Oregon Small Business Association document sample
OREGON BANKS Investing in the Communities we Serve Cornerstones of our Communities iNvEStiNG iN thE COmmunitiES wE SERvE OREGON I t's no secret that America is in the midst of economic BANKS turmoil. But what may surprise some people is that traditional banks – the 58 depository institutions that make small business loans and personal loans and provide a safe repository for Oregonians' savings – are not the root of the problem. Many news reports have blamed "banks" for the credit crisis; the truth is, the institutions at the center of the meltdown – such as Lehman Brothers, AIG, Bear Stearns, Fannie Mae and the like – are or were not banks. And while traditional banks doing business in Oregon are impacted by current economic conditions, they are as a whole the solution to today's financial industry challenges. While traditional banks come in all shapes and sizes, they all have one thing in common: they are the main source of capital in their local communities. Although times are tight, banks continue to lend, proving to their customers that they are worthy of trust and will do everything possible to support economic prosperity in their communities. OREGON BANKERS ASSOciAtiON 777 13th St SE, SuitE 130 • SalEm, OR 97301 PO BOx 13429 • SalEm, OR 97309 Page 2 503-581-3522 • Fax 503-581-8714 tRaditiOnal BankS COntinuE tO lEnd It is a little known fact that even with the economy faltering and individuals and businesses reducing their borrowing, banks continue to lend. This is in sharp contrast to lending trends during other recessions. Typically, loan growth shrinks as loan demand falls, but during the current recession, traditional banks have actually experienced an expansion in business lending. In 2008, for example, business loans expanded by 11 percent, and consumer loans expanded by 9 percent. However, loan demand appears to have declined in 2009 due to the current recession. Although traditional banks have been lending throughout Oregon, they cannot offset the dramatic decline of credit outside of the banking industry. Many do not realize that traditional bank lending today accounts for less than 30 percent of all credit in the U.S., whereas 30 years ago, banks provided about 60 percent of all credit. The collapse this past year of the secondary markets for mortgages and other consumer credit products has taken out an important pipeline of credit. Thus, the stories about the lack of credit are due to the weakness of non-bank lenders and the securitization markets, not the traditional banking sector. Banks are committed to seeing their communities through this economic crisis. It is the credit extended by traditional banks that has allowed many businesses to move forward and meet their payrolls and make payments to their suppliers, even during these challenging times. SOURCES: Survey of Oregon banks conducted by the Oregon Bankers Association in 2008; US Small Business Administration; Federal Deposit Insurance Corporation Bank Call Reports; and American Bankers Association. Page 3 thE REal StORy OF Small BuSinESS lEnding By OREGON BANKS Small BuSinESS lEnding Small BuSinESS lEnding By OREGON BANKS 78% 22% Small Business Loans from $0-$100,000 22,533 Loans 6,250 Loans 11% Small Business Loans Exceeding $100,000 7,057 lOanS 59% 37,860 lOanS Banks in Oregon are very committed to serving small business customers. In fact, in 2007 alone, 30% Oregon banks made more than 28,000 small business loans. Of these loans, 78 percent were for less than $100,000. In addition to loans, banks provide a wide array of deposit and loan products to help small businesses prosper. 19,156 lOanS The reality is that Oregon's banking community is actively engaged in serving very small to mid-size businesses. In fact, this customer segment is the most important for many Oregon banks. Oregon banks are continuing the long tradition of broadly serving Oregon's small business community. In spite of the difficult economic environment we are now in, only Financial Institution Credit n BuSinESS lOanS FROm $0 tO $50,000 eight percent of small businesses have reported problems in obtaining $40 Total Credit From 70% n BuSinESS lOanS FROm $50,000 tO $100,000 Financial All Institutions the financing they desire, and regular borrowing was "typical of the past (Left Axis) 60% n BuSinESS lOanS ExCEEding $100,000 $30 Banking Credit as % of Total 50% 20 years" (according to a March 2009 survey by the National Federation (Right Axis) llions 40% $20 of Independent Businesses, NFIB). What has been experienced most $ Tril 30% $10 % 20% recently, however, is a noticeable decline in business loan demand. 10% Banking Credit Banks in Oregon are is committed to traditional bank lending is Consequently, therevery evidence thatserving (Left Axis) $0 0% 1960 1971 1982 1993 2004 small business customers. In fact, in 2005 alone, Source: Inflation Adjusted, Base = 2008 3Q marginally declining in 2009. Oregon banks made more than 64,000 small business loans. Of these loans, 70% were Flow of Funds As less than $100,000 and 59% were for less increases, traditional banks will continue for the economy improves and loan demand than $50,000. For many years, bankers to be there to make have provided a wide array of deposit and loan products to help small businesses smart loans to Oregonians and Oregon businesses. But the ability of banks to meet these needs will be prosper. directly influenced by the availability of adequate capital to back increased lending. Banks receive mixed The reality is that Oregon's banking community is actively engaged in serving messages to mid-size businesses. continuing to lend to stimulate among the most very smallabout the importance ofIn fact, this customer segment is the economy while dealing with a variety of regulatory many Oregon banks. Oregon work are continuing At the end of the day, important forand accounting pressures that banks against lending.the long tradition of traditional banks – broadly serving Oregon's small business community. with a long history built on trust and community involvement – are key to our economic recovery and the availability of credit in Oregon's communities. Page 4 nO BailOut FOR OREgOn BankS It's important to understand that traditional banks are built on relationships with the communities they serve, backed by relationships they have with their federal and state regulators. These relationships are based on trust and a focus on fundamentals that keep banks safe and sound. Moreover, typical banks have not received bailouts. They don't need them because most traditional banks have steered clear of the financial instruments that led to the insolvency of entities like AIG. Moreover, bank lending practices are regulated much more stringently than those of a brokerage or investment bank. Some Oregon banks have opted to accept capital in the form of a preferred stock investment – paying dividends to the federal government – under the Treasury's new Capital Purchase Program. These healthy banks are using this capital investment to support new lending and increase stability in the marketplace. These funds – accepted by a handful of banks to date – are a benefit to Oregon communities. They are not bailout funds, and the government will make money over the life of the investment. SPEaRhEading Small BuSinESS gROwth Many believe that our economic recovery rests on the ability of small businesses to launch and thrive. According the U.S. Small Business Administration, 60 to 80 percent of net new jobs each year are created by small businesses. These entities receive 65 percent of their loans from commercial banks and other depository institutions. As of June 2008, 34 million outstanding commercial and industrial loans to small businesses nationwide totaled $337 billion; 1.8 million commercial real estate loans to small businesses totaled an additional $375 billion in the same period. Oregon banks play a particularly important role in helping small businesses thrive. A recent survey reflecting data from only a portion of Oregon banks shows more than 22,000 loans of $100,000 or less were made to small businesses across the state in 2007. In fact, these same loans represent 78 percent of all the loans banks reported making to Oregon small businesses. Oregon banks will continue to lend to small businesses, helping to lead us to greater economic security. Page 5 a mORE RESPOnSiBlE aPPROaCh tO dOiNG BuSiNESS Throughout the current economic storm, traditional banks – including the 38 banks headquartered in Oregon – have remained committed to their core business: making loans and providing Oregonians with a safe, reliable place to deposit their funds. Individuals and businesses in our communities entrust banks with their money in the form of certificates of deposit, savings and checking accounts. These deposits are federally insured, and the banks in turn loan these funds back out to individuals and small businesses in their communities. Oregon's banks answer to Main Street, not Wall Street; our highly regulated business model is based on a holistic relationship with the depositors and borrowers in our communities. invESting in thE COmmunitiES wE SERvE In addition to employing approximately 20,000 Oregonians, banks continue to be the primary institutions for saving, lending and financing economic growth in Oregon's communities. In this important role, banks are well-poised to fuel our economic recovery. But beyond a financial services role, Oregon bankers are committed to making the places they live and work the best they can be. A recent survey of Oregon banks showed their charitable donations made right here in Oregon were well in excess of $11 million, supporting everything from Habitat to Humanity to the American Cancer Society to Meals on Wheels. On a more personal level, the employees of Oregon banks reported donating nearly 135,000 hours of their time as volunteers, often serving on the boards and committees of local non-profit organizations. Whether it's delivering meals to homebound seniors or pitching in to build affordable housing, Oregon bankers are moved to give back to the community. Why? Because it's their community too. In the pages that follow, we've highlighted some special tales of giving by banks around Oregon. They illustrate a few of the unique ways Oregon banks go beyond offering checking accounts and lines of credit to serving as true cornerstones of their communities. Page 6 BANK OF thE cAScAdES Building StROng BOdiES, mindS, ANd BuSiNESSES W hen schools are facing tough budgetary times, it's the little extras that often suffer. Sports "The support Bank of the Cascades has provided has made a tremendous impact," said Lisa Zimmerman, a healthy, stable business climate by giving not only sponsorship dollars, but also sharing our bankers time and programs. Arts programs. In-class president of the Education Foundation expertise in the classroom." teaching tools beyond blackboards for Bend – La Pine Schools, which and desks. Some view these items dispenses scholarship and grant "I've been involved with a number as ancillary to the larger education money. "We've never had to turn of business incubators in the past," experience, unnecessary frills. Bank of down an activity scholarship request said Jimmie Wilkins, director the Cascades feels differently. and have awarded 1,113 since 2003. of Chemeketa's Small Business The innovative programs that the Development Center. The primary And hundreds of high school students Classroom Impact Grants have objective of most incubators is to in greater Bend are thankful for that! allowed teachers to introduce to their provide low cost office space to the classrooms help get students excited handful of entrepreneurial groups For the last three years, Bank of in those offices. What excites me the Cascades has supported several about learning." about the EDGE program is that it programs in central Oregon , such Bank of the Cascades' interest in extends our services beyond our 10 as Activity Fee Scholarships and fostering learning extends west of young businesses and the walls of our Classroom Impact Grants. Activity Fee the mountains to students pursuing building. Thanks to our community Scholarships help students of modest entrepreneurial endeavors. The bank is supporters like Bank of the Cascades, means cover fees for participating excited to sponsor the Entrepreneur's the information and know-how on sports teams, and other fee-based EDGE Business Incubator at the we accrue will be available on-line activities. Classroom Impact Grants Chemeketa Center for Business and to other businesses and budding provide funds that permit teachers to Industry in downtown Salem. The entrepreneurs in the community. augment their teaching environments EDGE (Education, Development, It's really a remote professional – whether it be more books, more Growth, Empowerment) Incubator development program, with the microscopes, new computers or unites on-site Chemeketa student potential to empower businesses whatever might enhance the students' entrepreneurs with virtual teams throughout our region." classroom experience. of established business owners and new entrepreneurs from the college's The Entrepreneur's EDGE Business "The health and vitality of our Incubator – part of communities is important to us, service district in Marion, Polk and Yamhill Counties to participate in a Chemeketa's Small and schools are at the heart of Business Development the community," said Julie Miller, results-driven program of business education. The program's goal is Center – is slated to executive vice president and Central move into their Oregon regional manager, Bank of to encourage the launch, growth, stability and long-term success of new building the Cascades. "We're committed in downtown to investing in education, and business enterprises. Salem the supporting academic and athletic "The business incubator program at summer of opportunities for all students. One of Chemeketa is about raising up the 2009. the singular benefits of community resources and talents that are already banks is that we are able to keep here to help develop a stronger local deposits local and reinvest in business community, successful these community needs through our employers, and create jobs corporate philanthropy program." and revenue for economic Bank of the Cascades has donated to development," said Larry each of the three high schools in Bend Goodreau, senior vice (Bend High School, Mt. View High president and area manager, School and Summit High School) for Bank of the Cascades. the past three years for Activity Fee "We are honored to be part Scholarships and Classroom Impact of this type of educational Grants. initiative that supports Page 7 ClaCkamaS cOuNty BANK Pink FlamingOS RElay FOR liFE i t's past midnight on a summer night in Sandy. The lights at the Sandy High School track are blazing, event since 2003. Several other Oregon banks have also participated in Relay For Life. family who have battled cancer and lived to tell their stories, to provide encouragement for those in the midst and scores of people are walking laps of their struggle, or to remember as hundreds of others cheer them on. "We have two teams associated with loved ones who have been lost to the It's not an off-season track meet – it's the bank that participate," explained disease. The bags are placed around the annual Relay For Life. Jamie Claggett, administrative the track. After an inspirational speech assistant, Clackamas County Bank. by a cancer survivor, candles inside Relay For Life is the American Cancer "One is the CCB Pink Flamingos – the bags are lit, and Relay participants Society's signature activity, offering we got the name from our late bank along with Survivors do a lap around any interested parties an opportunity president, Randy Proctor, who loved the track in silence. "The Luminaria to join the fight against cancer. Teams pink flamingos. This team is comprised is a real tear-jerker," Jamie Claggett of participants camp out at a local of all bank employees. The other team continued. "It's a great release, both high school, park or fairground and is the Friends of Pink Flamingos, and for people who are grieving and take turns walking or running around it's made up of relatives and friends of those who have survived. For many a track or path. Relays are an overnight bank employees. In 2008, a total of 35 spectators and participants, it's the event, up to 24 hours in length; each people participated between the two focal point of the event." team has a representative on the track teams, and we raised over $43,000 – at all times. More than 3.5 million including all the fund-raising we do in The Relay For Life event in Sandy people participated in Relay For Life the course of the year and matching has many mirthful moments as well events in 2008. Clackamas County funds that Clackamas County Bank – including the Mr. Relay Pageant. Bank has fielded teams for the Sandy contributed." A total of 25 teams "Contestants – men only – dress up took part in the 2008 Relay For Life in woman's attire," Jamie explained. in Sandy, and a total of $65,350 was "Each team designates a participant. raised for the American Cancer Society. The pageant begins at midnight -- contestants wobble up onto a stage in A highlight of the Relay For Life event their high heels to have their pictures is the Luminaria Ceremony of Hope. taken and answer questions from the As the sun sets over campsites and audience. Eventually, they run or walk darkness falls, the night is brightened a lap in their heels. The contestant by the glow of illuminated bags who collects the most money is – the luminaria. Participants and crowned Mr. Relay." spectators can purchase bags (for a small donation) that can be decorated to celebrate the lives of friends and Page 8 EvERGREEN FEdERal BANK hElPing wORking FamiliES mOvE hOmEwaRd BOund A chieving the American dream of owning your own home is becoming increasingly difficult for brings together local developers and businesses to finance and build affordable homes for first-time home selling at $150,000, this would amount to about $5,500.) They must middle-income working families. One buyers. Evergreen Federal provided the also meet normal loan group that's hit especially hard are initial seed money – $1,000,000 over credit criteria and work families whose income is between five years – to buy land and help pay for a Dream Builder partner. $40,000 and $60,000. They earn too for improvements. A host of businesses much to qualify for subsidy programs, contributed $5,000 each to become a As of this writing, Homeward but not often enough to buy a home Dream Builder partner. This enables Dreams has escrow closed on seven in today's market. any eligible employees at the business homes with an eighth house almost to be added to the pool of potential finished and a ninth well underway. "The availability of affordable housing Homeward Dreams participants. The first – an 1,800 square foot around Grants Pass has been a concern At the kick-off meeting, Jeff Hyde structure with three bedrooms, two at Evergreen Federal for years," said was astounded by the development baths and granite countertops – sold Jeff Hyde, the bank's executive vice community's response. "Some builders for $170,000; it would have easily president and president of Evergreen came up after my presentation and sold for $325,000 in the marketplace. Federal's Affordable Housing said, 'We'll sell you the lot for $5, The other houses Homeward Dreams Company. "One of the greatest and we'll build the house at cost. has built have been a bit smaller, stumbling blocks to making home Are you interested?' You bet we and priced between $137,000 and ownership available to families of were!" Since that roll-out meeting, $150,000. "These houses are built by more modest means has been the price Homeward Dreams has received high quality builders to the highest of land – $80,000 to $100,000 for the more than $400,000 from the Grants standards," Jeff added. "Every house average lot. At a meeting with some Pass business community, either in is equal to or better than other houses people from the local development discounts or work-in-kind. in the neighborhoods where they're community, one of the builders – Jay built." Eastwood of Eastwood Homes – asked To be eligible for the program, if we had explored the concept of recipients must be first-time home "Does Homeward Dreams solve community land banks. Our interest buyers, have a combined family Josephine County's affordable housing was piqued, and we did some research. income between $40,000 and $60,000, dilemma?" Jeff pondered. "No. But We learned that it would be possible and be able to pay 3 percent of the it has put eight families into their to build and sell the physical house sale price for the down payment own homes – families that probably and hold on to the lot using a long- and cover closing costs. (For a home wouldn't have had this opportunity term lease for which we'd charge for a long time." homeowners a nominal monthly fee of $50. We came up with a proposal and got FDIC approval." And the Homeward Dreams program was born. With Homeward Dreams, Evergreen Federal's Affordable Housing Company Jeff Hyde, Avery and Nicole Cates, Leanne Smith, Asante Human Resources, and Paul Janke, CEO of Three Rivers Women's Imaging, pose in the kitchen of Nicole's new home. Nicole is an office assistant at TRWI, and has two other children besides Avery, 4 year old twins, Jonas and Elliot. Page 9 haBitat FOR humanity OF OREgOn 1,000 hOmES By 2010 . . . with thE hElP OF OREgOn'S BankS E veryone deserves a safe, decent place to live. For more than 25 years, Habitat for Humanity has affiliates around the state – the groups of staff and volunteers building the homes. In the first 25 years, some Habitat for Humanity affiliates are active all across Oregon, from Tillamook to La Grande to Klamath been in Oregon to help. Habitat's 800 homes have been built. Habitat Falls. Wherever Habitat projects are houses are designed and built by a recently launched its "1,000 Homes happening, Oregon banks are there community of dedicated volunteers by 2010" campaign. And with the to help. Here are just a few examples and then sold at cost with zero- help of partners from Oregon's of how: interest mortgages to qualifying banking community, they hope to families. These mortgage payments reach that goal. • Columbia Community Bank – often less than the cost to rent – go has been very supportive of West into a revolving fund for Habitat "There are so many ways that Oregon Tuality Habitat in Forest Grove and that is used to build more homes banks assist us," said Patricia TenEyk, Newberg Area Habitat through cash for Oregon families. By providing a executive director of Habitat for donations and volunteer service hand up, not a hand out, Habitat for Humanity in Oregon. "Some banks provided by bank staffers, several of Humanity maintains the dignity and will provide bridge financing to our whom have served on the board. pride of its homeowner families – affiliates to help them purchase a families that contribute 500 hours of property. Others will direct us to • First Federal has also assisted sweat equity on their home (or other potential building sites that they've Newberg Area Habitat with a Habitat projects) to qualify…and in come upon in the course of doing customer directed donation addition to their mortgage, pay over business. Each year, we receive program and volunteer recognition $1.5 million in property taxes a year cash donations from banks that awards. to help support their communities. do business in our communities. And as you may have seen on some • Oregon Pacific Bank conducts In 1998, Habitat for Humanity Saturdays, bank employees frequently a number of special fundraising of Oregon was created to offer volunteer their time for 'build days,' events at the bank for Florence fundraising, public relations, and helping erect or restore a Habitat for Habitat for Humanity, and several advocacy support to the 32 Habitat Humanity property." employees serve on the board. • Sterling Savings Bank employees in Hermiston have volunteered their hands-on assistance on several occasions for Oregon Trail Habitat, donating supplies as well. • Wells Fargo has donated both cash and volunteer work days for The Dalles Habitat affiliate. • Columbia River Bank has helped facilitate The Dalles affiliate's Federal Home Loan grant. • Employees from various branches of West Coast Bank have supported Habitat of Lincoln County work days with hands-on support, as has the Lincoln City branch of Wells Fargo. Page 10 KEyBANK hElPing thE gRand FlORal PaRadE BlOSSOm E " veryone loves a parade," to paraphrase the old Ted Koehler song, and there's no parade Oregonians honor to invest in the KeyBank Grand Floral Parade," said Brian Rice, KeyBank Oregon district president. "By doing balloons and five thousand piggy banks from KeyBank's Oregon headquarters in Milwaukie to downtown Portland love more than the KeyBank Grand so, we will help ensure the continued required no small degree of planning. Floral Parade – one of the signature success of our state's favorite summer To maximize efficiency (and minimize events of the annual Portland Rose event." exhaust fumes), KeyBank hired a small Festival. For more than one hundred fleet of vans to deploy volunteers along KeyBank's six-figure financial support years, the parade's larger-than-life all- the 4.3 mile parade route. Two tractor of the parade is certainly important. floral floats, high-stepping marching trailer trucks distributed shopping But for thousands of parade-goers in bands and impressive equestrian carts and goodies to volunteers so they 2008, it was the work of more than 100 units have thrilled tens of millions of could share balloons and piggy banks bank employee volunteers that really spectators – including half a million with children (and those young at made a difference. "The way employees viewers in 2008 alone. heart) throughout the morning. "It was embraced Key's involvement in the a huge undertaking from a logistical Parades don't happen by themselves, parade was like no other volunteer perspective," Margaret Shrader especially one the scope of the Rose outreach I've experienced," said continued, "but all came off smoothly." Festival's largest parade. There's the Margaret Shrader, KeyBank Oregon careful assembly of one million plus district marketing manager. "All of "And I can't tell you how many flowers used in the decoration of the executive management team employees have contacted me more than 20 floats. There are hours participated, as well as staff from many about the parade," she added. "The and hours of marching band practice of our 70 southwest Washington and overwhelming sentiment has been, 'I to make sure every note is just right. Oregon branches. We had more than can't wait to do this There's the meticulous application of 25 people on the route the night before again next year!'" pounds of pancake make-up by the handing out glow-in-the-dark roses to Clown Corp, who dispense laughter people who were camping out on the along the route. And most of all, there's route, and nearly 100 employees on the the planning, financial resources and ground the day of the parade to hand volunteer power that make everything out balloons and piggy banks and help run smoothly. Fortunately for flower entertain the crowds as they waited for and parade lovers across Oregon and the parade to begin." beyond, KeyBank is there to help. In Getting 80 volunteers, 2008, KeyBank signed on to be the dozens of shopping official sponsor of the parade. "It's our carts, thousands of Page 11 SiuSlaw BANK dElivERing mEalS, making FRiEndShiPS m eals on Wheels began delivering hot, nutritious lunches in Lane County in 1972, bringing food to 12 of 15 to 20 clients each Tuesday; each employee team visits their Meals on Wheels clients about once a month. and older, are homebound and need assistance with meal preparation, as well as to adults with disabilities who seniors in Springfield. Launched as Like many Siuslaw employees, I'm need help with meal preparation. a pilot project by the Lane County very involved in a number of Each meal contains a minimum of Chapter of the American Red Cross community activities, serving one-third of the recommended daily in partnership with Lane Council on boards and the like. I love allowance of required nutrients. of Governments (LCOG), Meals participating in the Meals on Wheels on Wheels has grown to provide program because it's so hands-on. I It takes between two and a half and service to more than 1,200 senior get to know people in the community three hours to make all the deliveries and disabled adults throughout Lane I might not otherwise meet." on the Siuslaw team route. The bank County. The Red Cross delivers their compensates employees for all of their 300 lunches a day, Monday through "Volunteer groups like the Siuslaw volunteer time. Friday, to homebound seniors living in Bank team are an invaluable piece of what we do," said Linn Crooks, Delivering warm meals is just one Eugene and north Springfield because aspect of the Meals on Wheels of the dedication and generosity of director of the Meals on Wheels Program for the Oregon Pacific program. Offering companionship is more than 130 volunteers. another. For some clients, the knock Chapter of the American Red Cross. Ten of those volunteers hail from "We couldn't provide our service on the door from a Meals on Wheels Siuslaw Bank. without the half dozen groups that volunteer may signal the only visitor assist us. I'm constantly impressed of the day. Real friendships develop "We have five Meals on Wheels teams with the Siuslaw employees – their between clients and volunteers, and who deliver meals every Tuesday of reliability and conscientiousness." the affection experienced is reciprocal. the year around Eugene," explained One favorite client on the Siuslaw Jenny Obermiller, Siuslaw Bank's Meals on Wheels delivers hot, delivery route is Beulah, a 20-year director of marketing. "Each team has nutritious lunches on a short- or resident of Eugene. "Beulah is 92 two people, and we visit an average long-term basis to people who are 60 years young, and a five year patron of "Meals on Wheels," said Jenny Obermiller. "She loves to knit and make applesauce, which she prepares with extra cinnamon." "My favorite thing about Meals on Wheels is the people who volunteer and deliver the meals," Beulah said recently. "I like the people even more than the food, although the food can be delicious." Sue Boone, an employee in Siuslaw Bank's Loan Servicing department, with Beulah, a regular client on Siuslaw's Tuesday delivery route. Page 12 umPqua BANK Putting CliEntS On "GREEN StREEt" i n a time of high energy prices and increasing concerns about climate change, most Oregonians are eager to products are unlike any other available in the state. They are specifically designed to remove a financial barrier • Efficient heating and cooling systems • Water heating systems • Insulation reduce their carbon imprint anyway for Oregonians seeking energy-saving • Windows they can. Making our homes and and solar solutions for their homes and businesses more fuel-efficient is an businesses." • Solar energy systems obvious way we can make a difference. • Air and duct sealing (for The process generally begins with a homeowners) But sometimes the chasm between free Home Energy Review from Energy • Lighting, appliances and equipment good intentions and well-executed Trust to identify energy-saving home (for small businesses and multifamily actions can be too wide to be bridged. improvements, and helpful self-service properties) energy checklists for small business That is, unless, you find yourself on owners. Then, the home or business • Exterior doors and windows (for GreenStreet. owner can turn to an Energy Trust trade small businesses and multifamily ally contractor for expert advice on properties) GreenStreet Lending is an innovative program created by Umpqua Bank and identifying energy efficiency solutions "The program was initiated in Energy Trust of Oregon, a nonprofit and obtaining a project estimate, November of 2008," said Nicole organization that promotes energy trade allies are licensed, insured and Stein, vice president of community efficiency and clean renewable energy trained on the latest energy efficiency responsibility, Umpqua Bank, "but for Oregon customers of Portland standards and offerings and can already we have a sizable pipeline of General Electric, Pacific Power, NW help complete the forms for Energy loan applications. The interest is there Natural and Cascade Natural Gas to Trust incentives and state tax credits in the market. Changing your light help consumers take their notions of available on qualifying improvements. bulbs to more energy-efficient options greater home energy efficiency and With project costs in hand, interested is a great first step and affordable to put them into practice. Through clients can start their GreenStreet loan many, but when you look at installing GreenStreet, low-interest financing is application. All GreenStreet Lending a high-efficiency water heater, it's available for both homeowners and products have no loan origination a significant financial investment. small businesses to underwrite fees or closing costs, and flexible Having GreenStreet to work with energy-saving improvements and terms. They're applicable to a wide simplifies the whole process." solar energy systems. range of energy-saving improvements, "Umpqua Bank and Energy Trust including: launched GreenStreet Lending through a shared commitment to help Oregonians create long- term energy savings through an investment in their home or business," said Lani Hayward, executive vice president of creative strategies, Umpqua Bank. "GreenStreet's financing options make it easy and affordable for qualified borrowers to get the assistance they need to make environmentally responsible home and business improvements." "Oregonians are facing ever- increasing energy costs," said Margie Harris, executive director, Energy Trust. "GreenStreet Lending Page 13 OREgOn BankS dOnatE milliOnS OF dOllaRS EaCh yEaR tO COmmunity ORganizatiOnS th • 4 Way Foundation • 4-H Clubs • AC Houton Elementary School • Academic Masters Foundation • ACCESS Inc. • ACE Mentor Program of Oregon • Achievement Rewards for College Students • Addictions Recovery Center • Advantage Smiles for Kids • Adventist Medical Center • Affordable Community Environments • African American Health Coalition • Agape Counseling Center • Ainsworth Elementary School • Albany Millersburg Economic Development Corporation • Albany Parks & Recreation • Albany Partnership for Housing • Albertina Kerr Centers • Allen Hamner Foundation • Altrusa International • Alzheimer's Association • American Cancer Society • American Diabetes Association • American Heart Association • American Jewish Committee • American Legions • American Lung Association • American Red Cross • Amity Daffodil Festival • Amity Education Foundation • Amity High School • Amity Volunteer Firefighters • Annie Ross House • Annual Scott Firefighter Stair Climb • ARC of Lane County • Arlington School District • Art Along the Rogue • Artists Repertory Theater • Artrain USA • Arts Alliance of Yamhill County • Arts Central • Arts Council • Asian & Pacific Islander Community Improvement Association • Assistance Leagues • Associated Builders & Contractors • Association for Corporate Growth • Association of Oregon Community Development Organizations • Astor Street Opry Company • Astoria Aquatics Center • Astoria High School Athletics • Astoria Middle School • Astoria Parks & Community • Astoria Youth Athletics • Athena Library Friends Association • Babe Ruth Baseball Clubs • Baker Enterprise Growth Initiative • Ballet Fantastique • Barlow Bruin Football • Basic Rights Education Fund • Beaumont Middle School • Beaverton Education Foundation • Beaverton Library Foundation • Bend Elks Baseball • Bend Future Farmers of America • Bend High School Athletic Department • Bend LaPine Schools • Bend Swim Club • Bend Volunteers in Medicine • Benton Franklin Community Action Committee • Bethany House • Bethel Christian School • Bethel Community Church Storehouse Fund • Big Brothers Big Sisters • Big Green Benefit Auction • Big Sky B-Ball • Birth to Three • Bite of Salem • Blanchet House • Blue Heaven Therapeutic Riding Academy • Blue Mountain Health Care Foundation • Boardman Auction • Boardman Senior Center • Bob Belloni Ranch • BodyVox • Bonanza Publishing • Boy Scouts of America • Boys and Girls Aid Society of Oregon • Boys and Girls Clubs • Bradley Angle House • Breaking Bread Productions • Brighton Academy • Britt Music Festival • Broadway Rose Theatre Company • Buckman Arts Elementary School • Burns High School • Business Diversity Institute • Business Education Compact • Byrom Elementary School • C.A.T.S. Pawsing for Art • C.S. 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Synonyms for quadrangular-gyə lər
This thesaurus page is about all possible synonyms and similiar words for the term quadrangular
Princeton's WordNet
of or relating to or shaped like a quadrangle
Translations for quadrangular
From our Multilingual Translation Dictionary
Get even more translations for quadrangular »
Find a translation for the quadrangular synonym in other languages:
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Use the citation below to add these synonyms to your bibliography:
"quadrangular." Synonyms.net. STANDS4 LLC, 2015. Web. 2 Jul 2015. <http://www.synonyms.net/synonym/quadrangular>.

subset: commoncrawl


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56/82 Moo 5 Khuk Khak sub-district, Takua Pa District, Phangnga 82190 Thailand – Tel: 087-654-678 and 076-486-095/6 – Fax: 076-486-097 – Website: www.loveandaman.com – Email: email@example.com
Ever given it non-stop to a open dual years ago, a oh-so-pristine Koh Tachai of Mu Koh Similan National Park has excitedly been enclosed on a wish list of holiday trippers and beach buffs. Because overnight stays on a island are prohibited, a best approach to revisit a site is by regulating one of a debate operators charity one-day trips.
Our celebration of 10 families with immature children requisitioned a outing with Love Andaman, a internal association that offers packages for people and groups to Tachai Island.
The programme started during 7am and finished during 6.30pm. The cost includes round-trip ride between a hotel and a post (located in Thap Lamu, nearby Khao Lak, in Phangnga province), vessel trips to and from a island, park opening fee, smorgasboard lunch on a beach, snorkelling and equipment, a half-hour guided trek into a forest, and transport insurance.
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Try shopping offered products and properties 24/7 in a classifieds that has high purchasing energy internal ostracise assembly from within Thailand and around a world.
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LMAX agrees £2.4m MBO
A two-year old retail trading platform launched by sports betting exchange Betfair and Goldman Sachs has undergone a management buyout as it looks to build on a 20% monthly increase in trading volumes over the past year.
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Jon Kessler Exhibits At Fisher Landau Center for Art, Opens 10/17
JON KESSLER: Sculpture from the 80s and 90s is set for FISHER LANDAU CENTER FOR ART. The exhibit is Curated by Nicholas Arbatsky.
Please join us for the opening reception on Sunday October 17 from 2-5pm.
The exhibition will be on view October 18-January 3, featuring 12 seminal multi-media artworks which transform the Center into a "parallel universe that generates new fictions..." One of Kessler's earliest sculptures, "Iron Curtain" (1983) utilizes lights and motors to reveal the forms of plastic army men, providing a genealogical predecessor to the sprawling anti-war installations he's become known for in recent years. Other works included are S.W.A.M.P.(1985) on loan from the Whitney Museum of American Art, historically significant for the early use of a computerized control system to activate a translucent lawn jockey, illuminating a psychedelic brain hovering above a driftwood forest; "16 Rue du Chanoinesse" (1989), a rotating, backlit image of a spiral staircase made while he was living in Paris and "Steam in Stereo" (1990), a toy locomotive propelling a phonograph, that plays a recording of the sound of a train, chugging along the rails. "Dragonball" and "Noriko" (both 1994), are influenced by Kessler's fascination with Japanese Pop culture and manga comics as a means to highlight "the mechanisms of the spectacle". Permanently installed in the lobby of Fisher Landau Center for Art, "City" (1989) pays homage to the steel girders and curved glass of the modern metropolis, slowly rotating to the beat of a mechanized sunrise and sunset. "Monorail" (1994) offers a gravity defying hot dog cart replete with all the fixings, while "The Outsider" (1999) mystifies the viewer with the perceptual dilemma of a stuffed cockatoo, rising to bring it's gaze of the tropical rain forest into focus.
Jon Kessler received a B.F.A. from SUNY at Purchase and the Whitney Museum Independent Study Program. He has exhibited his work widely in Europe, Japan, and the United States. He has sculptures in the Permanent Collections of many institutions, including the Museum of Modern Art in New York, the Whitney Museum of American Art, the Walker Art Center, and the Museum of Contemporary Art in Los Angeles. He has received several NEA grants, the St. Gaudens Memorial Fellowship, a Guggenheim Fellowship and a Foundation for the Performing Arts grant. For his solo exhibition "Global Village Idiot" at Deitch Projects in 2004, he began a new series of video sculptures, which led to his first New York museum exhibition, "The Palace at 4 A.M." at P.S.1 Contemporary Art Center in 2005. The show traveled to the Phoenix Kulturstiftung/Sammlung Falckenberg in Hamburg, the House of World Cultures in Berlin and the Louisiana Museum in Denmark. In 2008 he showed his drawings and collages at The Drawing Center in New York. In 2009 Kessler exhibited his video installation, "Kessler's Circus" at Deitch Projects and "Predators" at Pace Prints in 2010. There are three major publications on his work, Jon Kessler's Asia, Jon Kessler, and The Palace at 4 A.M. He plays guitar and harmonica with the art rock band Barbara Sukowa The X-Patsys.
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You can now invite anyone to meet at your favorite Starbucks.
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39 year old man | Los Angeles, CA, USA | Seeking women 28-38 within 20 miles
Wedding picture - check. Halloween costume...
Wedding picture - check. Halloween costume picture - check. Sunglasses picture - check. Picture of myself in "Alan" from The Hangover cosplay while in Vegas for a bachelor party - priceless and check (maybe not priceless, but fun for sure). Alright here we go. Who am I? Tall, dark and handso...kidding. Wise man (or was it a woman?) said women love a sense of humor. So hopefully some of the pictures provided have given you a taste of mine. I would describe myself as a guy with blue collar values/work ethic with white collar taste (sans any attitude or shadyness). But I do like my "cheese" from time to time. Cheesy music, cheesy movies, cheesy burgers. Flow with any social situation and parents friggin' love me - whoa...getting ahead of myself here. Most of my pictures are from bachelor parties/weddings etc as I do like to have a good time, but I'm definitely not "the party guy"...never have been. I can be just fine observing life in general. Be it people watching or geeking out on subjects that interest me like geo-politics, history, film & music (BUFF), the micro/macro of sociology, "movie science". Like when a movie presents something fantastic (perhaps quasi-scientific?) I like to research what was plausible vs. what was fantasy. But I didn't think pictures of me looking at people, reading books, downloading music, geeking out over ____ (or doing all at the same time) would be interesting. Might be kind of creepy actually. Anyways... Born in Japan "military brat" and lived there till age six, grew up in Hawaii and Seattle. So I have an affinity for sushi, sun, and the rain. What am I looking for? Daunting question indeed, I'll try to keep it simple... I'm attracted to a woman with a great smile and flashes it often. Especially when life throws her a curve ball. A woman that can laugh either out loud, or maybe a little "ah-ha" to herself at said curve ball as opposed to falling prey to some sort of self created drama. Most drama minutia is over trivial things in my opinion (well, the older I get it is anyway). Then she can play the song "Take On Me" by Norwegian pop/rock sensations "a-ha" and '80s dance her troubles away...and doesn't mind if I join her. Good luck and thanks for your time! P.S. List of random... - I drive a pickup truck. Believe it or not it's been a deal breaker on some dates before (I do live in L.A. afterall) so I wanted to save women looking for men with a Ferrari some time as I'm sure there are plenty of fish with Ferrari's on this site. - I have a bug out bag. - I'm guilty of over prepping for everything. Be it a date, trip or zombie apocalypse (hence the bug out bag). - Yes that is a picture of a random goat. - Yes that is a picture of a random guy in a "Robots" costume from Flight of the Conchords. - I'm a self proclaimed master of the "mix-tape". - I was in a boy band in high school. Cotillion's, Quinceanera's, and singing live on Seattle's own KUBE 93.3 FM was the pinnacle of our success. - My go to song for karaoke is Lionel Ritchie's "All Night Long". Always gets the crowd going. Whilst typing this dealio my Grooveshark playlist was spinning a mix of: Adventure Club, M83, Empire Of The Sun, DIIV, HAIM, Housse De Racket, Kavinsky, Cults, Metric, Girl Talk, Kaskade, Ninja Tracks, Daft Punk, deadmau5, Animal Collective, Foals, Van She, Madeon, Bag Raiders, Cut Copy, Passion Pit, Two Door Cinema Club, Craft Spells, Bon Iver, Cat Power, Jeff Buckley, Ryan Adams, Damien Rice, Pete Yorn, Sufjan Stevens, Ellie Goulding, Bloc Party, St. Vincent, Radiohead, Pavement, Bad Religion, Pink Floyd, Journey, Allman Brothers Band, David Bowie, Roxy Music, Electric Light Orchestra, Michael Jackson, Prince, Justin Timberlake, Frank Ocean, Maxwell, New Edition, Jody Watley, Expose, P.M. Dawn, LL Cool J, The Pharcyde, Geto Boys, A Tribe Called Quest, Iron Maiden, Rage Against The Machine...character limit reached. I think.
Camping , Coffee and conversation , Cooking , Dining out , Movies/Videos , Museums and art , Music and concerts , Exploring new areas , Nightclubs/Dancing , Performing arts , Political interests , Religion/Spiritual , Travel/Sightseeing , Volunteering , Watching sports , Wine tasting
Bowling, Dancing, Walking / Hiking
I exercise 1-2 times per week.
I like Cats, Dogs, Exotic Pets, Horses
The closest thing I have to pets are Bruiser and Elkie. They are my neighbors dogs and I take care of them sometimes if needed. They rock.
Some other viewpoint
The Big Island, Seattle, Brass Monkey, The Other Room, and all the restaurants/bars/art galleries on Abbot Kinney. Point Dume, and many places in Downtown L.A. - fin.
I'm no TV junkie, I do enjoy Game Of Thrones, South Park, True Detective, and IMHO The Wire is the GOAT. Music/movie tastes = vast/various. Food tastes = ditto. When a giggle or laugh becomes a cackle. Driving. Just get up and go driving...anywhere.
Summer night outdoor movies anywhere in Los Angeles (like Cinespia). Amoeba. Live music at dive joints or mega-venues. Cooking for myself, cooking for my friends. Making people laugh, which I've always had a knack for.
Books - anything by Phillip K. Dick, David Sedaris, Cormac McCarthy, Nick Hornby, Howard Zinn, Noam Chomsky, Naomi Klein. Mags - Rolling Stone, Sports Illustrated, and the front covers of celeb-rags while in the grocery line.
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|What he is looking for
|6'0" (182cms)
|4'11" (149cms) to 6'0" (182cms)
|Body type:
|About average
|Slender, About average, Athletic and toned
|No preference
|No preference
|No Way
|No preference
|Social Drinker
|Social Drinker, Moderately
|Artistic / Creative / Performance
|No preference
Film / TV / Print Production for Quixote/Smashbox Studios
|$35,001 to $50,000
|No preference
|Never Married
|No preference
|Have kids:
|No preference
|Wants kids:
|Not sure
|No preference
|Pacific Islander, White / Caucasian, Other
|No preference
My mom is Hawaiian, Chinese, and French Tahitian. My pops is German, Polish, French, and Russian...so of course I only speak English.
|Spiritual but not religious
|No preference
Simple...be humble, respectful, and loving. Whatever faith you do (or don't) follow.
|No preference
|Some college
|Some college, Associates degree, Bachelors degree, Graduate degree, PhD / Post Doctoral
Studied @ the American Academy Of Dramatic Arts and had a blast during my formative years in L.A. - Shakespeare fests,forming an improv troupe,running around L.A. for auditions.Gears have since shifted towards production at Quixote/Smashbox Studios.


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