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|By Marketwired .
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|January 23, 2013 06:05 PM EST
SOUTH BURLINGTON, VT -- (Marketwire) -- 01/23/13 -- Merchants Bancshares, Inc. (NASDAQ: MBVT), the parent company of Merchants Bank, today announced net income of $15.19 million, or diluted earnings per share of $2.42 for the year ended December 31, 2012, compared to $14.62 million, or diluted earnings per share of $2.35 for the year ended December 31, 2011. Net income for the fourth quarter of 2012 was $3.84 million, or diluted earnings per share of $0.61. This compares to net income of $3.71 million, or diluted earnings per share of $0.59 for the fourth quarter of 2011. The return on average assets was 0.91% and 0.92% for the quarter and year ended December 31, 2012, respectively, compared to 0.95% and 0.97% for the same periods in 2011. The return on average equity was 13.08% and 13.37% for the quarter and year ended December 31, 2012, respectively, compared to 13.77% and 14.11% for the same periods in 2011. We previously announced the declaration of a dividend of $0.28 per share, payable February 14, 2013, to shareholders of record as of January 31, 2013. This quarter represents our 65th consecutive quarterly dividend payment and our 29th consecutive quarter at the current payout level.
"We are very pleased to report our annual results for 2012 are second only to our record high year of 2010. Highlights for the year include strong organic growth in loans, deposits and trust fees. At the same time, asset quality was maintained at high levels throughout the year, nonperforming assets and delinquencies remain at very low levels," commented Michael R. Tuttle, our President and Chief Executive Officer.
Total assets reached a record high of $1.71 billion at December 31, 2012, an increase of $96.68 million, or 6.00%, from December 31, 2011. Total shareholders' equity also reached a record high of $118.22 million at December 31, 2012. Book value per share increased $1.25 per share, or 7.11%, to $18.82 at year-end 2012, compared to year-end 2011. Our capital ratios remain strong, with a Tier 1 leverage ratio of 8.08%, a total risk-based capital ratio of 16.05% and a tangible capital ratio of 6.92%.
Our loan portfolio continued to grow during the quarter, reaching a new record high of $1.08 billion. For the year ended December 31, 2012 the loan portfolio grew $55.30 million, or 5.38%.
The following table summarizes the components of our loan portfolio as of the periods indicated:
December 31, September 30, December 31, (In thousands) 2012 2012 2011 ------------- ------------- ------------- Commercial, financial and agricultural $ 165,023 $ 169,450 $ 146,990 Municipal loans 84,689 82,048 101,705 Real estate loans - residential 489,951 477,321 439,818 Real estate loans - commercial 327,622 327,182 313,915 Real estate loans - construction 10,561 11,285 18,993 Installment loans 4,701 5,259 5,806 All other loans 376 334 399 ------------- ------------- ------------- Total loans $ 1,082,923 $ 1,072,879 $ 1,027,626 ------------- ------------- -------------
Year-to-date growth in our commercial loan portfolio has been driven by new customer acquisition and expansion of existing relationships. Reduced loan demand by our municipal customers has led to a year-to-date reduction in municipal balances. Growth in our residential real estate loan portfolio continues to be driven by increased mortgage refinance volume due to the low interest rate environment.
We booked a $250 thousand provision for credit losses during the fourth quarter of 2012 and 2011. The 2012 provision for credit losses was $950 thousand, compared to $750 thousand for 2011. Asset quality remained strong throughout 2012; nonperforming assets totaled $2.91 million, or 0.17% of total assets, at December 31, 2012, compared to $2.87 million, or 0.18% of total assets, at December 31, 2011. Additionally, loans past due 30-89 days were zero at December 31, 2012, compared to $213 thousand at December 31, 2011. We booked net charge-offs of $18 thousand during the fourth quarter of 2012, and net recoveries of $9 thousand for the year.
Our investment portfolio totaled $509.09 million at December 31, 2012, a decrease of $3.22 million from the December 31, 2011 ending balance of $512.31 million. We sold bonds with a book value of $129.43 million during 2012 for a net pre-tax gain of $507 thousand. These trades allowed us to lock in gains on faster paying mortgage-backed securities and helped us to reduce our exposure to accelerated premium amortization in the portfolio.
Total deposits also reached a record high during 2012 and ended the year at $1.27 billion, an increase of $93.20 million, or 7.91%, from balances of $1.18 billion at December 31, 2011, and an increase of $18.12 million from balances at September 30, 2012. Growth during 2012 has been concentrated in our transaction account categories. Demand deposits have shown solid growth during 2012, increasing by $42.97 million, or 21.75%, to $240.49 million at December 31, 2012 from $197.52 million at December 31, 2011. Other transaction account categories have increased by $68.08 million, or 10.77% to $700.19 million during 2012, compared to 2011. Deposits continued to migrate away from time deposit categories during 2012. Total time deposits decreased during 2012 by $17.85 million, or 5.13%, to $330.40 million, compared to 2011. Securities sold under agreement to repurchase, which represent collateralized customer accounts, ended 2012 at $287.52 million, a $24.99 million increase from December 31, 2011.
Our taxable equivalent net interest income was $13.02 million and $51.99 million for the three months and year ended December 31, 2012, respectively, compared to $12.92 million and $51.30 million for same periods in 2011; and $13.15 million for the third quarter of 2012. Our taxable equivalent net interest margin decreased 9 basis points to 3.20% during the fourth quarter of 2012 from 3.29% for the third quarter of 2012. Compared to the same periods in 2011, our taxable equivalent net interest margin decreased 17 basis points for the fourth quarter of 2012 and 23 basis points for the year. Our continued growth in earning assets has helped to offset margin compression and allowed us to increase net interest income during 2012. Average earning assets for the three months and year ended December 31, 2012 were $1.62 billion and $1.59 billion, respectively, an increase of $98.39 million and $125.83 million over the same periods in 2011, and an increase of $30.16 million over the third quarter of 2012.
The extended low-interest rate environment continues to present a challenge as our assets reprice down at a steady rate and new assets come on at lower rates. Overall asset yields were 3.55% for the fourth quarter of 2012, compared to 3.68% for the third quarter of 2012 and 3.89% for the fourth quarter of 2011. The average rate on our loan portfolio was 4.30% for the fourth quarter of 2012, a 10 basis point decrease from the third quarter of 2012, and a 38 basis point decrease from the fourth quarter of 2011. The average rate on our investment portfolio for the fourth quarter of 2012 was 2.17%, a 13 basis point decrease from the third quarter of 2012, and a 40 basis point decrease from the fourth quarter of 2011. These decreases were offset, in part, by decreases in the cost of our interest bearing liabilities. The average cost of interest bearing liabilities for the fourth quarter of 2012 was 43 basis points, a 5 basis point decrease from the prior quarter, and a 20 basis point decrease from the fourth quarter of 2011. We have prepaid a total of $20 million in long-term FHLB advances at a rate of 2.75% during 2012, incurring total prepayment penalties of $1.36 million. These prepayments will reduce our overall cost of funds going forward.
"Similar to last year, growth in our balance sheet helped us to offset compression in the net interest margin in 2012. We are very pleased to have increased taxable equivalent net interest income during the year," commented Mr. Tuttle.
Total noninterest income increased to $2.76 million for the fourth quarter of 2012 from $2.32 million for the same period in 2011, and increased to $11.48 million for 2012 from $10.38 million for 2011. During the third quarter of 2012, we recognized a net gain on the sale of one of our branch locations of $749 thousand. Additionally, during the second quarter of 2012, we recognized a gain of $334 thousand on the sale of the mineral rights we owned on properties in Oklahoma which we acquired in a bank acquisition in 1971. We also recognized net gains (losses) on investment securities of $85 thousand and $507 thousand during the quarter and year ended December 31, 2012, respectively, compared to $(53) thousand and $994 thousand for the same periods in 2011. Excluding net gains (losses) on investment securities and the gains on the sale of the branch location and mineral rights, noninterest income increased slightly to $2.67 million for the fourth quarter of 2012 from $2.37 million for the fourth quarter of 2011, and increased to $9.89 million for 2012 from $9.39 million for 2011. The change for the quarter and year ended December 31, 2012, compared to the same periods in 2011, is primarily a result of increases in net debit card income and Trust division income, offset in part by decreased overdraft fee revenue. Additionally, the timing of investments in low income housing partnerships and their associated tax credits led to a reduction in Equity in losses of real estate limited partnerships to $(327) thousand for the fourth quarter of 2012 from $(442) thousand for the fourth quarter of last year, and $(1.52) million for 2012, compared to $(1.77) million for 2011. Trust assets under management have continued to grow in 2012 and now total $555 million.
Total noninterest expense increased $239 thousand to $10.14 million for the fourth quarter of 2012 from $9.90 million for the same period in 2011; and increased $74 thousand to $41.33 million for 2012, compared to $41.26 million for 2011. As stated above, we prepaid $20 million in FHLB long-term debt during 2012 and incurred prepayment penalties totaling $1.36 million during 2012. We also prepaid $16 million in FHLB debt during 2011, and incurred a prepayment penalty of $861 thousand. Excluding the prepayment penalties, noninterest expense decreased $428 thousand for 2012, compared to 2011. Compensation and benefits were slightly higher for the fourth quarter of 2012, compared to the third quarter of 2012, as a result of an increased incentive accrual during the fourth quarter of 2012. Compensation and benefits were $935 thousand lower for 2012, compared to 2011; normal salary increases were offset by higher than normal vacant positions during 2012, a lower incentive accrual, and credits related to loan origination fees. Additionally, a change to our health insurance plan for 2012 resulted in a $274 thousand reduction in health and group insurance expense for 2012, compared to 2011. Occupancy and equipment expenses for 2012 increased $262 thousand to $7.45 million from $7.19 million for 2011, a result of ongoing capital investments related to maintenance, increased compliance requirements and enhancement and expansion of customer service delivery channels. The effective tax rate for 2012 was 21%, compared to 18% for 2011. Taxes for 2011 were positively impacted by the purchase of large historic rehabilitation credits that were available in 2011. Absent those credits, our effective tax rate for 2011 would have been approximately 20%.
Michael R. Tuttle, our President and Chief Executive Officer, Janet P. Spitler, Executive Vice President and Chief Financial Officer and Geoffrey R. Hesslink, Executive Vice President and Senior Lender will host a conference call to discuss these earnings results, business highlights and outlook at 9:00 a.m. Eastern Time on Thursday, January 24, 2013. Interested parties may participate in the conference call by dialing U.S. number (888) 317-6016, Canadian number (855) 669-9657 or international number (412) 317-6016; the title of the call is Merchants Bancshares, Inc. Earnings Call. Participants are asked to call a few minutes prior to register. A replay will be available until 9:00 a.m. Eastern Time on Thursday, January 31, 2013. The U.S. replay dial-in telephone number is (877) 344-7529. The international replay telephone number is (412) 317-0088. The replay access code for both replay telephone numbers is 10023203.
Established in 1849, Merchants Bank strives to deliver a fully integrated customer experience to its retail, commercial and investment customers, with a comprehensive array of online and mobile delivery options-and 33 community bank offices and 41 ATMs throughout Vermont. Merchants Bank and its holding company, Merchants Bancshares, Inc., employ approximately 300 full-time employees and 40 part-time employees. Merchants Trust Company, a division of Merchants Bank, provides investment management, financial planning and trustee services. Please visit www.mbvt.com for access to Merchants Bank information, programs and services. Merchants' stock is traded on the NASDAQ Global Select Market under the symbol "MBVT." Member FDIC. Equal Housing Lender.
Non-GAAP Financial Measure. In addition to results presented in accordance with generally accepted accounting principles ("GAAP"), this press release contains certain non-GAAP financial measures. In several places net interest income is presented on a fully taxable equivalent basis. Specifically included in interest income was tax-exempt interest income from certain tax-exempt loans. An amount equal to the tax benefit derived from this tax exempt income is added back to the interest income total, to produce net interest income on a fully taxable equivalent basis. The amount added back was $484 thousand and $2.01 million for the three months and year ended December 31, 2012, respectively, and $534 thousand and $1.93 million was added back for the three months and year ended December 31, 2011, respectively. An additional non-GAAP financial measure we use is the tangible equity ratio. Because we have no intangible assets, our tangible equity is the same as our book equity. We believe that the supplemental non-GAAP information is utilized by regulators and market analysts to evaluate a company's financial condition and therefore, such information is useful to investors. These disclosures should not be viewed as a substitute for financial results determined in accordance with GAAP, nor are they necessarily comparable to non-GAAP performance measures which may be presented by other companies. Because non-GAAP financial measures are not standardized, it may not be possible to compare these financial measures with other companies' non-GAAP financial measures having the same or similar names.
Certain statements contained in this press release that are not historical facts may constitute forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended, and are intended to be covered by the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. Forward-looking statements involve risks and uncertainties. These statements, which are based on certain assumptions and describe Merchants' future plans, strategies and expectations, can generally be identified by the use of the words "may," "will," "should," "could," "would," "plan," "potential," "estimate," "project," "believe," "intend," "anticipate," "expect," "target" and similar expressions. Forward-looking statements are based on the current assumptions and beliefs of management and are only expectations of future results. Our actual results could differ materially from those projected in the forward-looking statements as a result of, among others, continued weakness in general, national, regional or local economic conditions, the performance of our investment portfolio, quality of credits or the overall demand for services; changes in loan default and charge-off rates which could affect the allowance for credit losses; declines in the equity and financial markets; reductions in deposit levels which could necessitate increased and/or higher cost borrowing to fund loans and investments; declines in mortgage loan refinancing, equity loan and line of credit activity which could reduce net interest and non-interest income; changes in the domestic interest rate environment and inflation; changes in the carrying value of investment securities and other assets; misalignment of our interest-bearing assets and liabilities; increases in loan repayment rates affecting interest income and the value of mortgage servicing rights; changing business, banking, or regulatory conditions or policies, or new legislation affecting the financial services industry that could lead to changes in the competitive balance among financial institutions, restrictions on bank activities, changes in costs (including deposit insurance premiums), increased regulatory scrutiny, declines in consumer confidence in depository institutions, or changes in the secondary market for bank loan and other products; and changes in accounting rules, federal and state laws, IRS regulations, and other regulations and policies governing financial holding companies and their subsidiaries which may impact our ability to take appropriate action to protect our financial interests in certain loan situations.
You should not place undue reliance on our forward-looking statements, and are cautioned that forward-looking statements are inherently uncertain. Actual performance and results of operations may differ materially from those projected or suggested in the forward-looking statements due to certain risks and uncertainties, which are included in more detail in our Annual Report on Form 10-K, as updated by our Quarterly Reports on Form 10-Q and other filings submitted to the Securities and Exchange Commission. We do not undertake any obligation to update any forward-looking statement to reflect circumstances or events that occur after the date the forward-looking statements are made.
Merchants Bancshares, Inc. Financial Highlights (unaudited) (Dollars in thousands except share and per share data) December 31, September 30, December 31, September 30, ------------ ------------- ------------ ------------- 2012 2012 2011 2011 ------------ ------------- ------------ ------------- Balance Sheets - Period End Total assets $ 1,708,550 $ 1,685,836 $ 1,611,869 $ 1,560,949 Loans 1,082,923 1,072,879 1,027,626 1,008,076 Allowance for loan losses ("ALL") 11,562 11,444 10,619 10,480 Net loans 1,071,361 1,061,435 1,017,007 997,596 Investments- taxable 509,088 526,700 512,309 418,543 Federal Home Loan Bank ("FHLB") stock 8,145 8,145 8,630 8,630 Cash and due from banks 34,547 30,097 10,392 10,945 Interest earning cash and other short-term investments 42,681 22,935 27,420 86,438 Other assets 42,728 36,524 36,111 38,797 Non-interest bearing deposits 240,491 227,879 197,522 180,696 Savings, interest bearing checking and money market accounts 700,191 687,267 632,110 630,355 Time deposits 330,398 337,817 348,248 354,508 Total deposits 1,271,080 1,252,963 1,177,880 1,165,559 Short-term borrowings -- 55,600 -- 3,013 Securities sold under agreement to repurchase, short-term 287,520 227,996 262,527 222,338 Other long-term debt 2,483 2,503 22,562 22,581 Junior subordinated debentures issued to unconsolidated subsidiary trust 20,619 20,619 20,619 20,619 Other liabilities 8,627 8,126 18,744 18,839 Shareholders' equity 118,221 118,029 109,537 108,000 Balance Sheets - Quarter-to-Date Averages Total assets $ 1,682,673 $ 1,649,457 $ 1,564,335 $ 1,503,192 Loans 1,074,007 1,064,507 1,014,105 1,007,240 Allowance for loan losses 11,542 11,309 10,584 10,550 Net loans 1,062,465 1,053,198 1,003,521 996,690 Investments- taxable 510,557 499,688 443,713 366,435 FHLB stock 8,145 8,145 8,630 8,630 Cash and due from banks 28,730 25,793 10,186 10,389 Interest earning cash and other short-term investments 26,036 16,241 53,907 76,887 Other assets 46,740 46,392 44,378 44,161 Non-interest bearing deposits 235,007 220,646 190,864 171,648 Savings, interest bearing checking and money market accounts 680,330 677,321 622,208 600,639 Time deposits 332,678 341,231 349,832 355,007 Total deposits 1,248,015 1,239,198 1,162,904 1,127,294 Short-term borrowings 34,347 60,141 1,798 1,592 Securities sold under agreement to repurchase, short-term 250,355 196,117 238,935 207,037 Securities sold under agreement to repurchase, long-term -- -- -- 3,995 Other long-term debt 2,490 9,032 22,569 27,763 Junior subordinated debentures issued to unconsolidated subsidiary trust 20,619 20,619 20,619 20,619 Other liabilities 9,430 9,466 9,783 9,341 Shareholders' equity 117,417 114,884 107,727 105,551 Earning assets 1,618,745 1,588,581 1,520,355 1,459,192 Interest bearing liabilities 1,320,819 1,304,461 1,255,961 1,216,652 Ratios and Supplemental Information - Period End Book value per share $ 19.84 $ 19.82 $ 18.54 $ 18.29 Book value per share (1) $ 18.82 $ 18.81 $ 17.57 $ 17.35 Tier I leverage ratio 8.08% 8.10% 8.08% 8.26% Total risk-based capital ratio 16.05% 15.83% 15.92% 15.81% Tangible capital ratio (2) 6.92% 7.00% 6.80% 6.92% Period end common shares outstanding (1) 6,282,385 6,274,683 6,232,783 6,224,886 Credit Quality - Period End Nonperforming loans ("NPLs") $ 2,912 $ 2,740 $ 2,511 $ 3,192 Nonperforming assets ("NPAs") $ 2,912 $ 2,740 $ 2,869 $ 3,532 NPLs as a percent of total loans 0.27% 0.26% 0.24% 0.32% NPAs as a percent of total assets 0.17% 0.16% 0.18% 0.23% ALL as a percent of NPLs 397% 418% 423% 328% ALL as a percent of total loans 1.07% 1.07% 1.03% 1.04% (1) This book value and period end common shares outstanding includes 324,515; 319,572; 325,703; and 320,845 Rabbi Trust shares for the periods noted above, respectively. (2) The tangible capital ratio is a non-GAAP financial measure which we believe provides investors with information that is useful inunderstanding our financial performance. Because we have no intangible assets, our tangible equity is the same as our book equity. For the Twelve Months Ended December 31, 2012 2011 ------------- ------------- Balance Sheets - Year to-Date Averages Total assets $ 1,648,393 $ 1,507,656 Loans 1,057,446 971,003 Allowance for loan losses 11,182 10,432 Net loans 1,046,264 960,571 Investments-taxable 501,149 427,540 FHLB stock 8,235 8,630 Cash and due from banks 25,217 10,686 Federal funds sold and other short-term investments 20,360 54,186 Other assets 47,168 46,043 Non-interest bearing deposits 214,113 163,090 Savings, interest bearing checking and money market accounts 665,399 599,296 Time deposits 342,911 357,848 Total deposits 1,222,423 1,120,234 Short-term borrowings 38,290 2,153 Securities sold under agreement to repurchase, short-term 230,281 217,823 Securities sold under agreement to repurchase, long-term -- 4,726 Other long-term debt 13,667 28,117 Junior subordinated debentures issued to unconsolidated subsidiary trust 20,619 20,619 Other liabilities 9,492 10,345 Shareholders' equity 113,621 103,639 Earning assets 1,587,190 1,461,359 Interest bearing liabilities 1,311,167 1,230,582 For the Twelve For the Three Months Ended Months Ended ------------------------------- ------------------- December September December December December 31, 30, 31, 31, 31, -------- --------- --------- --------- -------- 2012 2012 2011 2012 2011 -------- --------- --------- --------- -------- Operating Results Interest income Interest and fees on loans $ 11,117 $ 11,278 $ 11,441 $ 44,977 $ 45,271 Interest and dividends on investments 2,846 2,951 2,949 11,880 12,747 Total interest and dividend income 13,963 14,229 14,390 56,857 58,018 Interest expense Deposits 803 860 1,030 3,551 4,474 Securities sold under agreement to repurchase and other short- term borrowings 336 341 523 1,790 2,065 Long-term debt 289 364 452 1,542 2,105 Total interest expense 1,428 1,565 2,005 6,883 8,644 Net interest income 12,535 12,664 12,385 49,974 49,374 Provision for credit losses 250 250 250 950 750 Net interest income after provision for credit losses 12,285 12,414 12,135 49,024 48,624 Noninterest income Trust division income 685 670 622 2,685 2,516 Service charges on deposits 1,077 1,033 1,103 4,078 4,298 Gain (loss) on investment securities, net 85 (26) 2 507 1,049 Gain on sale of other assets -- 749 -- 1,083 -- Other-than- temporary impairment losses on securities -- -- (55) -- (55) Equity in losses of real estate limited partnerships, net (327) (370) (442) (1,516) (1,766) Other noninterest income 1,238 1,143 1,085 4,644 4,338 Total noninterest income 2,758 3,199 2,315 11,481 10,380 Noninterest expense Compensation and benefits 4,826 4,809 4,973 19,582 20,517 Occupancy and equipment expenses 1,925 1,837 1,813 7,452 7,190 Legal and professional fees 591 677 713 2,545 2,811 Marketing expenses 577 360 474 1,841 1,733 State franchise taxes 330 321 314 1,295 1,265 FDIC insurance 222 217 196 866 936 Prepayment penalty -- 677 -- 1,363 861 Other real estate owned 68 65 65 197 193 Other noninterest expense 1,598 1,486 1,350 6,193 5,754 Total noninterest expense 10,137 10,449 9,898 41,334 41,260 Income before provision for income taxes 4,906 5,164 4,552 19,171 17,744 Provision for income taxes 1,066 1,159 843 3,977 3,124 Net income $ 3,840 $ 4,005 $ 3,709 $ 15,194 $ 14,620 Ratios and Supplemental Information Weighted average common shares 6,279,2 6,269,34 6,229,43 6,258,83 6,212,1 outstanding 79 7 0 2 87 Weighted average diluted shares 6,291,2 6,280,47 6,243,63 6,271,10 6,223,7 outstanding 37 9 2 2 69 Basic earnings per common share $ 0.61 $ 0.64 $ 0.60 $ 2.43 $ 2.35 Diluted earnings per common share $ 0.61 $ 0.64 $ 0.59 $ 2.42 $ 2.35 Return on average assets 0.91% 0.97% 0.95% 0.92% 0.97% Return on average shareholders' equity 13.08% 13.95% 13.77% 13.37% 14.11% Average yield on loans 4.30% 4.40% 4.68% 4.44% 4.86% Average yield on investments 2.17% 2.30% 2.57% 2.32% 2.90% Average yield of earning assets 3.55% 3.68% 3.89% 3.71% 4.10% Average cost of interest bearing deposits 0.32% 0.34% 0.42% 0.35% 0.47% Average cost of borrowed funds 0.81% 0.98% 1.36% 1.10% 1.52% Average cost of interest bearing liabilites 0.43% 0.48% 0.63% 0.52% 0.70% Net interest rate spread 3.12% 3.20% 3.26% 3.19% 3.40% Net interest margin 3.20% 3.29% 3.37% 3.28% 3.51% Net interest income on a fully taxable equivalent basis $ 13,019 $ 13,149 $ 12,919 $ 51,989 $ 51,304 Net (charge- offs) recoveries to Average Loans 0.00% 0.00% 0.00% 0.00% (0.02%) Net (charge- offs) recoveries $ (18) $ 12 $ 14 $ 9 $ (151) Efficiency ratio (1) 60.74% 58.64% 61.55% 60.63% 62.61% (1) The efficiency ratio excludes amortization of intangibles, equity in losses of real estate limited partnerships, OREO expenses, gain/loss on sales of securities, state franchise taxes, and any significant nonrecurring items. Note: As of December 31, 2012, Merchants Bank had off-balance sheet liabilities in the form of standby letters of credit to customers in the amount of $4.48 million.
Lisa Razo
Merchants Bank
(802) 865-1838
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In his keynote at 18th Cloud Expo, Andrew Keys, Co-Founder of ConsenSys Enterprise, provided an overview of the evolution of the Internet and the Database and the future of their combination – the Blockchain. Andrew Keys is Co-Founder of ConsenSys Enterprise. He comes to ConsenSys Enterprise with capital markets, technology and entrepreneurial experience. Previously, he worked for UBS investment bank in equities analysis. Later, he was responsible for the creation and distribution of life sett...
Jun. 26, 2016 11:00 AM EDT Reads: 1,074
Machine Learning helps make complex systems more efficient. By applying advanced Machine Learning techniques such as Cognitive Fingerprinting, wind project operators can utilize these tools to learn from collected data, detect regular patterns, and optimize their own operations. In his session at 18th Cloud Expo, Stuart Gillen, Director of Business Development at SparkCognition, discussed how research has demonstrated the value of Machine Learning in delivering next generation analytics to imp...
Jun. 26, 2016 09:45 AM EDT Reads: 592
There are several IoTs: the Industrial Internet, Consumer Wearables, Wearables and Healthcare, Supply Chains, and the movement toward Smart Grids, Cities, Regions, and Nations. There are competing communications standards every step of the way, a bewildering array of sensors and devices, and an entire world of competing data analytics platforms. To some this appears to be chaos. In this power panel at @ThingsExpo, moderated by Conference Chair Roger Strukhoff, Bradley Holt, Developer Advocate a...
Jun. 26, 2016 08:45 AM EDT Reads: 728
Cognitive Computing is becoming the foundation for a new generation of solutions that have the potential to transform business. Unlike traditional approaches to building solutions, a cognitive computing approach allows the data to help determine the way applications are designed. This contrasts with conventional software development that begins with defining logic based on the current way a business operates. In her session at 18th Cloud Expo, Judith S. Hurwitz, President and CEO of Hurwitz & ...
Jun. 25, 2016 03:00 PM EDT Reads: 1,589
SYS-CON Events announced today that ReadyTalk, a leading provider of online conferencing and webinar services, has been named Vendor Presentation Sponsor at the 19th International Cloud Expo, which will take place on November 1–3, 2016, at the Santa Clara Convention Center in Santa Clara, CA. ReadyTalk delivers audio and web conferencing services that inspire collaboration and enable the Future of Work for today's increasingly digital and mobile workforce. By combining intuitive, innovative tec...
Jun. 24, 2016 01:00 PM EDT Reads: 1,349
Amazon has gradually rolled out parts of its IoT offerings, but these are just the tip of the iceberg. In addition to optimizing their backend AWS offerings, Amazon is laying the ground work to be a major force in IoT - especially in the connected home and office. In his session at @ThingsExpo, Chris Kocher, founder and managing director of Grey Heron, explained how Amazon is extending its reach to become a major force in IoT by building on its dominant cloud IoT platform, its Dash Button strat...
Jun. 24, 2016 12:00 PM EDT Reads: 1,627
industrial company for a multi-year contract initially valued at over $4.0 million. In addition to DataV software, Bsquare will also provide comprehensive systems integration, support and maintenance services. DataV leverages advanced data analytics, predictive reasoning, data-driven diagnostics, and automated orchestration of remediation actions in order to improve asset uptime while reducing service and warranty costs.
Jun. 22, 2016 11:00 AM EDT Reads: 1,368
Vidyo, Inc., has joined the Alliance for Open Media. The Alliance for Open Media is a non-profit organization working to define and develop media technologies that address the need for an open standard for video compression and delivery over the web. As a member of the Alliance, Vidyo will collaborate with industry leaders in pursuit of an open and royalty-free AOMedia Video codec, AV1. Vidyo's contributions to the organization will bring to bear its long history of expertise in codec technolo...
Jun. 19, 2016 12:45 PM EDT Reads: 1,266


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It only takes a minute to get started. Fill out our uncomplicated sign up form and login to the website.
This step is elective but will seriously increase your chances of getting noticed by other people on the website. Tell people about yourself, your pasttimes and upload a nice photograph of yourself.
Utilise our website's state-of-the-art search to locate members who suit your needs. Or just leaf through listings and locate members that pique your interest.
Located someone who looks suitable? Send a letter to them or just a wink and see what develops from there. With a little luck you'll be on your way to discovering that special someone for you.
And start dating

subset: commoncrawl


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9th and F Street, NW
Last we heard Shake Shack was applying for a liquor license for the Spy Museum's cafe space. Happy to see that cafe has now closed. Hopefully renovations don't take too long!
9th and F Street, NW
Last we heard Shake Shack was applying for a liquor license for the Spy Museum's cafe space. Happy to see that cafe has now closed. Hopefully renovations don't take too long!
went to spy cafe once… not sure why… regretted it. glad to see it go away. shake shack will probably kill in that location.
Finally – a place in DC that sells hamburgers!!!
ear to ear grin.
While I think shake shack is overrated, I confess I will be going here at some point since it is so close to my office.
I love their shakes, but I think Five Guys' burgers are better, and their fries are WAY better.
At least Shake Shack knows how to fry fries. Five Guys gives you a 5lb sack of grease with some potato skins in it.
I feel the same way. Go to Shake Shack for the shakes and concretes, but I prefer the fries *and* burgers at Orange and Black (Black and Orange?).
If anyone from the Shake Shack is reading this thread, I would respectfully request that you consider a location at Union Station. It would be terribly convenient for me at lunch!
Still holding my breath for In-N-Out.
You probably shouldn't. You'll hurt yourself.
Easily the most oevrrated import from NYC in years.
11th and Park Road, NW From an email: "Time flies! We can hardly believe it, but next Friday, July 1…
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From an email: "Located across the street from The Hecht Warehouse at 2002 Fenwick Street, Big Chief will have two…
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If you have any animal/pet photos you'd like to share please send an email to princeofpetworth(at)gmail(dot)com with 'Animal Fix' in…
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From a press release: "The following is an updated list of restaurant and retail offerings coming to The Wharf in…
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This rental is located at 323 11th Street, Northeast. The listing says: "Spacious 2 BR, 1 BA condo on the…
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According to a June 24 report from CanadaEast.com, Newfoundland and Labrador's environment minister is playing down concerns about crew reductions on tug boats that guide giant oil tankers in Placentia Bay. Concerns were raised by the Fish, Food and Allied Workers Union set off alarm bells in Placentia Bay, southwest of St. John's. The union complained that Transport Canada allowed North Atlantic to work with as few as two crew onboard tug boats — a captain or skipper and an engineer. But Johnson clarified that two-person tug boat crews are only permitted within the harbor primarily for docking and un-docking of product vessels, according to the report.
(Source: CanadaEast.com)
Maritime Today
The Maritime Industry's original and most viewed E-News Service
Blackmer, a company in positive displacement and centrifugal pump and reciprocating compressor technologies, has a relationship with the U.S. Military that dates
At least two offshore oil platforms halted operations on Tuesday in the U.S. Gulf of Mexico after a fire at a natural gas processing plant in Mississippi shut a
The U.K.'s Meercat Workboats says it scored a hat-trick; the Hampshire-based boat builder announced it is moving premises, that Seawork was a huge success and that


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Seattle, WAUSA
Hometown: Seattle
February 21, 2014
Very limited with humans, have done fantasy drawing traditionally. I have taken cadaver labs and would like work at getting better drawing living human beings :)
Engineering, movement, art, problem solving.
Skin, muscle, bone, how they all work together to convey an organism
charcoal pencil
Sculpture, knitting, pottery
Hello there, I am a research engineer who is working on his creative side.
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Bring it in for Trinity-Pawling! The 2015-16 Trinity-Pawling Fund gift year closes on June 30. Your support, at any level, has a significant impact on campus.
If you have any questions, please contact Colleen Dealy, Director of Annual Giving, at 845-855-4831.
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Documentary director and producer Ken Burns is expected to participate in a live chat over Skype on Saturday, Feb. 9th as part of a fundraiser for an Alaska organization that seeks to exonerate wrongly-convicted defendants.
Burns co-produced The Central Park Five, a documentary that follows a group of New York City Latino and African-American teenagers wrongly convicted and imprisoned for the rape of a white woman in 1989.
Bill Oberly is executive director of the Alaska Innocence Project, an independent non-profit organization based on similar chapters around the country that investigate claims of wrongful conviction and then lend their support in cases on the potential path to exoneration. The organization pushed for passage of a recent Alaska law that sets guidelines for post-conviction DNA testing.
One notable Alaska case already underway is that of Newton Lambert of Juneau, convicted in the murder of Anne Benolken thirty years ago. He's still in prison and still maintains his innocence.
Other high-profile exonerations around the country have also focused on the development of forensic DNA technology to overturn previous convictions in sexual assaults and homicides.
For example, in Texas this week, former prosecutor Ken Anderson is on the hot seat for allegedly withholding evidence. Micheal Morton, wrongly imprisoned for twenty-five years for his wife's murder, was exonerated after DNA testing of evidence at the murder scene.
Oberly says there are a variety of reasons, sometimes several reasons in combination, why a defendant may be wrongly convicted of a crime. It could be an inadequate defense, government misconduct, bad informants and jailhouse snitches, false confessions, and improper forensic science. But he says three-quarters of all wrongful convictions are based — in part — on misidentification of suspects by eyewitnesses.
Oberly says efforts are underway to reform the process.
Bill Oberly will speak at a fundraiser for the Alaska Innocence Project at the Rockwell Restaurant on Friday, Feb. 8th at 9:00 p.m. That's in the old Elks building on South Franklin Street.
Then, the showing of The Central Park Five will be Saturday, Feb. 9th at 4:00 p.m. and 7:00 p.m. at the Gold Town Nickelodeon Theater.
Ken Burns is expected to Skype in at 6:00 p.m. There will be free admission to attend the question-and-answer session and movie admission will not required for that part of the program.
Recent headlines
JPD and RCMP officers to march in sister cities' paradesFriday is likely to be the first time uniformed Juneau police officers have marched in their sister city's Canada Day parade.
Missile Defense Agency contracts Kodiak launch facilityThe Missile Defense Agency announced Thursday a contract with the state-run launch facility that could be worth as much as $80 million over the next six years.
Kenai assemblyman drops proposed ordinance to remove prayer from meetingsAn ordinance that would have removed the invocation, or prayer, from the start of Kenai Assembly meetings proved to be such a hot topic that it was dropped before even being officially taken up.
Observing the fast of Ramadan in the land of the midnight sunThe Muslim holy month of Ramadan, when Muslims fast from sun up until sun down, is drawing to a close.


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Native Plants
Q. Who is Mr. Smarty Plants?
A: There are those who suspect Wildflower Center volunteers are the culpable and capable culprits. Yet, others think staff members play some, albeit small, role. You can torture us with your plant questions, but we will never reveal the Green Guru's secret identity.
Did you know you can access the Native Plant Information Network with your web-enabled smartphone?
Ask Mr. Smarty Plants is a free service provided by the staff and volunteers at the Lady Bird Johnson Wildflower Center.
rate this answer
Friday - June 24, 2011
From: Austin, TX
Region: Southwest
Topic: Pests, Propagation, Shrubs
Title: Squirrels eating seed pods of Rock Rose in Austin
Answered by: Barbara Medford
QUESTION:Squirrel(s) have been ripping the branches off my rock rose bushes in order to eat the seed pods. Previously we had problems with squirrel(s) gnawing on our garden ornaments. I sprayed the ornaments w/ tabasco sauce and water and that stopped them. Will it harm the rock roses if I spray them w/ tabasco sauce and water? Or is there a better way to deter them?
We don't really have any idea if tabasco sauce would hurt the roses, but we have another idea. Try deadheading the flowers off your bushes as soon as the bloom begins to droop and create the seed pods. You won't get any seeds, of course, but you probably are not getting any now. The squirrels, like the other wildlife that we share Central Texas with, are suffering from the heat and drought and looking for sustenance wherever they can find it. If you are interested in propagating the rock rose, you can't gather seeds until they turn brown, by which time the squirrels (and the seeds) will be long gone. However, Pavonia lasiopetala (Rock rose) can also be propagated by taking stem cuttings. Here are propagation instructions for that method:
"Pavonia can also be propagated from softwood tip cuttings. Take cuttings in spring before plant starts to bloom, or on nursery plants kept cut back. Cuttings with big buds or blooms are at a disadvantage. They root and grow fast in hot weather. Cut a stem three to six inches long, just below the node. Remove all but the top leaves and place in vermiculite."
Since the Rock Rose is not a "true" rose, but a member of the Malvaceae (mallow) family, it is only woody at the base. The softer branches above are no match for the squirrels, but if the seed pods are never allowed to develop, maybe the animals will give up and go away. Or, maybe it will rain, and the normal diet of the squirrels will return, whatever it is. We thought they just ate acorns and nuts, but apparently they have adjusted to our difficult conditions.
From the Image Gallery
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May 07, 2007 - I am trying to find out what kinds of plants are planted on the Texas State Capitol Grounds. There is a bush that grows around the Capitol Extension windows area and I don't know what they are. The...
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July 01, 2011 - I live in the Hill Country near New Braunfels. Since I am only at my house in July and August, I would like to plant both Texas Mountain Laurel and Mexican Buckeye from the seeds harvested from mothe...
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Failure to bloom of Eve's necklacepod in Austin
April 04, 2011 - I have a young Eve's necklace that never blooms in the spring. I wonder every spring if this will be the year, but the blooms never come. Is there a reason for this? The tree is about three or fou...
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January 23, 2009 - We are moving to a new home in Paradise, CA. What drought resistant plants do well in Paradise ? Thank you !!
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Property to let in Victoria Street, Littleport, Ely CB6 - 4 bedrooms
Keywords and filters like garden and parking live here
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Hills Lane, Ely CB6Detached bungalow to rent - 4 bedrooms
Available immediately
Spacious detached four double bedroom bungalow, accessed via a private road in this highly regarded central location. Newly refurbished, the bungalow benefits from surrounding gardens, a garage and off road parking. Viewing highly recommended.
Note: Distances are straight line measurements
- Ely (0.8 miles)
- Littleport (5.0 miles)


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I recently had the pleasure of dining with friends at Miller Union on a Saturday evening. This was Sat, Oct 30, the night before Halloween when it seemed that all of Atlanta was out-and-about. As we drove into the parking lot, I was grateful to see a valet on hand. A full parking lot is always a good sign at a restaurant, but the thought of negotiating the full lot to find a spot was overwhemling. We were seated immediately in a very cozy dining room just behind the bar. The wait staff was incredibly attentive (considering how busy the restaurant was) and knowlegable. Cocktails were ordered all-around. I have to suggest the cleverly named Miller Thyme cocktail, a gin drink with lemon and a thyme-infused simple syrup - very refreshing. I ordered a seasonal appetizer that was the special that evening, butternut squash with a roasted kale leaf and a shaving of parmesan on a slice of warm sourdough baguette. Unbelievable flavor combination. Of course I sampled everyone else's appetizer and highly recommend the farm egg in celery cream - amazingly rich and creamy. I chose the grilled GA mountain trout with creamed potatoes and a sprinkling of the most fantastic crumbled bacon that I have ever put in my mouth. The trout was very flavorful and beautifully cooked. I also tasted bites of my fellow diners' entrees including, the heritage pork chop and the griddled chicken. These dishes were also full of flavor and served alongside fresh, seasonal braised and roasted vegatables. The table shared 4 desserts: a plum crisp (just the right blend of sweet and tart combined with a crumbly topping), a gluten-free almond buckwheat cake (nice alternative), a terrific apple-pecan cake, and my personal favorite, a fudge brownie with homemade ice cream. Owners Chef Satterfield and Neal McCarthy took the time to stop by our table (and the tables of many other diners) to thank us for choosing Miller Union. Straightforward food prepared with an appreciation and respect for fresh, seasonal, high-quality ingredients. I cannot wait to go back.
Atlanta American Restaurants
121. The Social HouseMenu
As the Westside continues to grow, so does the dining options. And a new breakfast spot is always welcomed, and The Social House is spot on. It's a …
122. Applebee's
I always eat at this location. Most of the time I have a great experience. One thing I feel that they can work on is the long wait to be seated and …
123. Yard HouseMenu
Never a disappointment. I suggest the lettuce wrap and a blood mary. I enjoy the atmosphere and sporty setting.
124. Republic Social House
Great local bar in my neighborhood, Grant Park. Foods ok, but the drinks and the wait staff are great. Not to mention the best roof patio in the a…
125. Smashburger
Love, love, love the burgers here! Just the right decadent slightly salty and crunchy outsides on these. The veggie fries and rosemary string pota…
126. Googie BurgerMenu
Holy cow, best burger around! And I loved the fries with natural sea salt! I couldn't decide between the peach or Peanut Butter and Jelly Swirls, so…
127. Chili's Grill & BarMenu
great food, and good drinks!
128. FuddruckersMenu
I must admit that i am not the best person to be rating burgers. It has been about 15 years since i have had an old0fashioned 100% beef burger. Wh…
129. One Eared StagMenu
It finally hit me recently what I love about this place. While most restaurants in the city try hard to be a "scene" with loud, cramped bar areas an…
130. Le Lapin
This is a cute lunch spot for a girl's lunch -- soup, sandwiches & various types of chicken/tuna salads or any combination there of. The atmosphere …
131. The Flying Biscuit CafeMenu
You have to try the jam served with their famous flying biscuit. I'm not sure there is anything like it :o) Although the jam is usually the highligh…
132. Broadway CafeMenu
It was and still is AMAZING!!!! I wish i could eat there for every meal. They have amazing pizza and many many other delicious dishes.
133. Applebee's
Loving the place. Will come back - so much on the menu that we want to try! Yummmm
134. Sweet Georgia's Juke JointMenu
This place was great I took my parents and they loved it. Awesome atmosphere, great service.
135. S & S Cafeteria IncMenu
great home style food. entrees are seasoned exceptional well.
136. Chili's Grill & BarMenu
Classic American bar food. Service is friendly and food is always consistently good. Grilled chicken sandwich is a solid choice. Good kids menu and …
137. Taco MacMenu
Taco Mac online ordering system is pretty problematic. The customer service also is not up to the highest standards. The food is fine, but waiters a…
138. Ruby TuesdayMenu
The wait time is long, but the host is hilariously chatty and animated. The serving staff are all very lively and we seemed to be being waited on b…
139. Zesto Drive-Ins
Great old school greasy burgers, hot dogs and ice cream in the heart of Little Five Points. Parking can be tough, so watch out.
140. Village Burger
Amazing food!!! God Oh so loved the world that he created the Village Burger!!!!
141. Museum Bar
Wow! such negative reviews, makes you think are you personal involved :) I am from Washington DC area and visited with my family looking at college …
142. Burger Joe'sMenu
i love the service and short amount of time it takes for the coustomer to recieve their food. PLUS The burgers are HUGE! i absolutely love theis f…
143. Doc Green's Gourmet Salads
One of my favorite lunch spots! The turkey veggie chilli and the broccoli cheddar soup are out of this world! This place serves your food quickly…
144. Taco MacMenu
It's a fun place to go to have some beers and relax. Great sports bar atmosphere with lots of different beers to choose from!
145. Hudson Grille MidtownMenu
Awesome spinach dip. Service is kind of slow, but the food is always good and the drink selection is decent.
146. Zodiac Restaurant
I love the Zodiac Room. I try to go there everytime at Lenox. They have these awesome popovers with some kind of strawberry butter that they serve…
147. Eclectic Bistro & BarMenu
A great neighbor hood gem and an awesome find in the Midtown area!
148. The Pullman
It is pretentious and we don't care! We live here and we need a place like this so bad you don't even know. With the hell we've gone through with th…
149. A One Soulfood
If you looking for good soul food at prices that are right--285 West is outta sight!
150. RoastersMenu
This is a great, affordable place to eat! I love their cornbread, rolls and large drinks as well. The staff is professional, yet friendly! I high…
This place was the ultimate experience for out of state visitors. My friends and I are all about the true dining experience. We love chic eateries with amazing decor that put such a big smile on your face when you walk in. I love to feel like I'm in a movie when I am out dining and this place did just that. When you pull up to the establishment you are a little confused because it looks like you just pulled up to a garage shipping dock. Parking wasn't anywhere insight so we paid for valet. Shortly there after we walked into an amazing restaurant that is mouth dropping. It has a very urban New York sophisticated upscale hipster appeal. The bar tender was very well versed in her knowledge of cocktails so we took her suggestions for drinks. The restaurant is very large in size. We decided to sit outside on their amazing patio surrounded by trendy lofts and a beautiful landscape of rich greenery. Their outside dining was absolutely one of the best experiences I have had. The weather was even great in November of 2014. The drinks are a bit pricey as it is upscale dining, but I experience is well worth. We only stayed for drinks as we were just looking for place to kick back and have a few cocktails. I totally recommend this place as a date night restaurant or a girls in the city night out with your with your closest friends. I will definitely visit this place the next time that I am in Atlanta. The service was a plus. This place is definitely an attraction for Atlanta visitors.
My brother and I ate at Wisteria last week, and as always, it rocked my world. My favorite server, Jeffrey, was there to take care of us, and he continues to amaze. He remembered me from my visit a few weeks ago, and asked if I'd like to start with a green tea mojito like I did on my last visit. Of course I took him up on it--it's one of the tastiest cocktails I've ever had. I get such a kick out of servers having such great memories! Jeffrey is definitely a pro. Dinner was delicious, of course. I tried the duck for the first time and loved it. My brother, Edward, got an 8 bone rack of lamb. It was HUGE, and delicious by the look of it, as Edward cleaned his plate. I also recommend the citrus salad or the crabcake as a great starter. Dessert was divine; we had a sampler of three that only cost $10. Wisteria always impresses me with their wide range of options. For instance, the wine list contains half bottles, many wines by the glass, wine flights, and an impressive selection of Bordeaux wines. There is truly something for everybody at Wisteria. I'm looking forward to another excuse to go back.


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24.06.2016SINFO Workshop + exhibition
The 3rd edition of the scientific workshop 'Surfaces, Interfaces and Functionalization Processes in ...
21.06.2016Cnr Nano SEED Call
The Cnr Nano Institute launched a SEED call, open to its young researchers, in order to fund ...
16.06.2016IN THE MEDIA Phosphorus based electronics
ResearchItaly, the web portal of the Italian Ministry of Education, University and Research (MIUR), ...
14.06.2016Tame Plasmons takes off.
One of the 3 ERC Consolidator Grant...
home » pisa » home pisa
Laboratorio NEST
Piazza San Silvestro 12
56127 Pisa, Italy
phone +39 050 509418
NEST, the National Enterprise for nanoScience and nanotechnology, is an interdisciplinary research center where physicists, chemists, and biologists are carrying out scientific studies on the nanoscale. This knowledge is employed for developing innovative instruments in the field of the nanobioscience, and for nanoelectronic and photonic devices and their architectures.
The NEST laboratory has a strong experience in the study of the transport and optical properties of semiconductor heterostructures, hydrid systems, and graphene. State of the art facilities for growth and fabrication of nano-devices are available at NEST.
Advanced microscopy and spectroscopy with nanoscale resolution are employed for single molecule and live brain imaging.
The NEST laboratory includes three different institutions: Scuola Normale Superiore, Italian Institute of Technology (IIT), and the Institute of Nanoscience of the National Research Council.
Consiglio Nazionale delle Ricerche Partita IVA 02118311006 PEC: firstname.lastname@example.com


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Friday, 24 June 2016
Last updated 2 hours ago
May 12 2008 | 11:59am ET
Robert Goodman has been named global head of private equity and real assets for Sterling Stamos Capital Management. He is responsible for the management, fundraising, operating and investment activities for the firm's p.e. and real assets platform.
Prior to joining Sterling Stamos, Goodman served as vice chairman and member of the global operating committee of Deutsche Asset Management. He has also served as executive director of financial institutions investment banking at Goldman Sachs, and had been a principal and co-head of the European insurance group at McKinsey & Co.
"I have known Robert Goodman for over two decades, going back to our days together at McKinsey," said Peter Stamos, chief executive officer of Sterling Stamos. "He brings a tremendous level of credibility to our private equity and real assets platform and is someone for whom I have the highest professional respect and personal regard."
Sterling Stamos manages over $6 billion in assets and has offices in New York and Menlo Park, Calif.
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Written on: 20/03/2013 by Purfectpete (1 review written)
This booking was everything I have come to expect from laterooms.. Faultless. Quick, succinct, reasonably priced, easy to complete and accurate. What more do you need from a hotel booking facility...Visit laterooms.com
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A 28-year-old woman is accused of crashing her car into a sign, fence, house and church in a Toowoomba suburb before fleeing the scene on foot.
The incident happened in Harristown, a suburb in the city west of Brisbane, about 9pm on Monday.
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Car strikes fence, house, church
A Toowoomba driver is charged with drink driving and dangerous driving after colliding with a sign, a fence, a house and a church before fleeing the scene on foot.
Police allege the woman was driving along Buckland Street when she hit a sign, crossed the road, struck a fence and house then crashed into the front of a church on Burton Street.
The building sustained significant damage, according to police.
The woman allegedly fled the scene on foot. Police found her at a Newtown residence a short time later.
The 28-year-old has been charged with drink driving and dangerous operation of a motor vehicle.
She is due to appear in Toowoomba Magistrates Court on May 5.


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|By Marketwired .
Article Rating:
|February 2, 2014 11:19 AM EST
TUCSON, AZ -- (Marketwired) -- 02/02/14 -- In the news release, "AudioEye, Inc. Appoints Paul Arena as Executive Chairman," issued Thursday, January 30 by AudioEye, Inc. (OTCQB: AEYE), we are advised by the company that the quote in the sixth paragraph was incomplete. Complete corrected text follows.
AudioEye, Inc. Appoints Paul Arena as Executive Chairman
TUCSON, AZ -- Jan 30, 2014 -- AudioEye®, Inc. (OTCQB: AEYE) ("AudioEye" or the "Company"), creator of the Audio Internet patented audio browsing and automated publishing technology platform, today announced that Paul Arena has been appointed Executive Chairman and elected to the Company's board of directors.
Mr. Arena succeeds Craig Columbus, one of AudioEye's co-founders, who will continue to serve on the Company's board of directors along with Dr. Carr Bettis, Edward Withrow, III, and AudioEye executives Nathaniel Bradley, Sean Bradley and James Crawford.
"We are excited that Paul is joining the company as Executive Chairman," noted Nathaniel Bradley, Co-Founder and Chief Executive Officer of AudioEye, Inc. "Craig Columbus, our former Chairman, started with AudioEye prior to our incorporation during a nascent and fledgling stage of our development, at a time when our technological innovations were a decade ahead of today's robust and emerging market opportunities. We would not be where we are without Craig's tireless service and exceptional support of AudioEye as our Chairman over the years. Craig has deeply impacted our culture and the trajectory of AudioEye's business model. We are honored to have Craig remain as one of the Company's independent directors."
"Paul Arena, our new Executive Chairman, shares our enthusiasm for AudioEye's core mission of advancing and leveraging, on behalf of our shareholders, the value generated from our ownership of industry-first and thought-leading mobile software," continued Bradley. "Our team's guiding light is true innovation and industry leadership, and Paul has a demonstrated track record of success and is well-known throughout the technology and telecommunications industries. His abilities to identify strategic opportunities, enhance shareholder value, and manage intellectual property portfolios are consistent with our corporate objectives. We are gratified that Paul has elected to spend all of his time helping to grow AudioEye."
Paul Arena, newly appointed Executive Chairman of AudioEye, stated, "My enthusiasm for AudioEye's technology business is shared by each and every other member of our Board of Directors, senior management team and our incredible employees. We have all established aggressive goals for our future growth and profitability and I look forward to contributing towards the achievement of AudioEye's objectives in a number of ways, including strategic partnering and third-party license opportunities."
"It has been my pleasure to serve AudioEye in its formative stages as we pursued our initial strategic objectives," stated Craig Columbus. "Trying to develop technology solutions that can improve the lives of others, such as people with visual impairments and children on the autism spectrum, has always been a very personal and passionate issue for me. The current management is well-positioned to realize the Company's ultimate potential, and I look forward to their future accomplishments."
The Company considers the past twelve months a period of "evolution and progress", during which AudioEye was spun-out from its previous ownership, became a public entity, completed its interim funding requirements, launched its Audio Internet Software-as-a-Service ("SaaS") platform and developed its initial sales strategies. This transition, coupled with increased investment in the Company's SaaS technology platform, has enhanced product functionality, improved customer service and bolstered sales and marketing initiatives, with progress in each of these areas validated by impressive growth of AudioEye's client base.
During the past 30 years, Mr. Arena has served in executive management positions for a number of private and publicly-traded companies and provided corporate finance, syndication and distribution services within the investment banking industry. From June 2010 to September 2012, Mr. Arena was Chief Executive Officer for Augme Technologies, Inc. (now Hipcricket, Inc.) during a period when the annualized revenue "run rate" increased from less than $1 million to $30 million within ten quarters. He was also Chairman of the Board of Augme from September 2011 through September 2012 and remained on the board through the end of December 2012. From February 2002 to March 2010, Mr. Arena held various executive positions, including Chairman of the Board, Chief Executive Officer, and Principal Financial Officer, at Geos Communications (formerly i2 Telecom International) and its subsidiaries. From May 2000 to present, he served as Chairman of the Board, Chief Executive Officer, President and owner of AIM Group, Inc., an investment holding company. Before founding i2 Telecom International, Mr. Arena served in various executive capacities, including Chairman of the Board and Chief Executive Officer, at Cereus Technology Partners, Inc. and its subsidiaries (May 1991 to April 2000). Cereus, which secured a listing on the Nasdaq National Market, achieved a market capitalization in excess of $350 million prior to Mr. Arena's departure.
During 1994, Mr. Arena was a financial advisor to, and became a minority equity owner in, Great Lakes Pulp & Fiber, Inc., a $224 million project financing and one of the world's largest paper recycling facilities. From June 1990 to August 1991, Mr. Arena was a financial consultant, and from February 1988 to January 1990, he served as Senior Vice President and Partner of Gulfstream Financial Associates, Inc., a subsidiary of the Kemper Group. During the period 1982 through 1988, Mr. Arena held Vice President positions with three New York Stock Exchange member investment firms, including Cralin & Co.; Drexel, Burnham, Lambert, Inc.; and Interstate Securities Corporation.
About AudioEye, Inc.
Founded in 2003, AudioEye, Inc. has developed patented Internet content publication and distribution software that enables the conversion of any media into an audio-accessible format and allows for real-time distribution to end-users on any Internet-connected device. The focus of the Company is to provide solutions to create better and more comprehensive access to the Internet, print, broadcast and other media, irrespective of an individual's network connection, device, location, or impairment. AudioEye solutions also include comprehensive E-Learning and E-Commerce systems, along with a variety of Internet publishing products and services.
The Company is headquartered in Tucson, Arizona, and its common stock trades on the OTCQB under the symbol "AEYE".
AudioEye, Inc., Audio Internet and AudioEye are Registered Trademarks of AudioEye, Inc., All Rights Reserved. The systems and technologies described herein are protected all or in part by US7966184, US7653544, US8046229, US8296150, US8260616 and patents pending in the U.S. and Internationally. These products enable AudioEye's customers to create and deliver highly scalable accessible voice browsing applications. For more information, please visit www.audioeye.com or call 866.331.5324.
Forward-Looking Statements
This release includes forward-looking statements contained within Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. All statements regarding our expected future financial position, results of operations, cash flows, financing plans, business strategy, products and services, competitive positions, growth opportunities, plans and objectives of management for future operations, as well as statements that include words such as "anticipate," "if," "believe," "plan," "estimate," "expect," "intend," "may," "could," "should," "will," and other similar expressions are forward-looking statements. All forward-looking statements involve risks, uncertainties and contingencies, many of which are beyond our control, which may cause actual results, performance, or achievements to differ materially from anticipated results, performance, or achievements. Factors that may cause actual results to differ materially from those in the forward-looking statements include those set forth in our Form 10-K and other reports filed with the SEC. We are under no obligation to (and expressly disclaim any such obligation to) update or alter our forward-looking statements, whether as a result of new information, future events or otherwise.
For further information, please contact:
Nathaniel Bradley
AudioEye, Inc.
(866) 331-5324
RJ Falkner & Company, Inc.
Investor Relations Counsel
(830) 693-4400
Email Contact
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Ultrabooks are the flavor of the week in the PC industry, and as the world's biggest PC vendor, HP is pretty much obligated to deliver. It did just that yesterday, announcing a gaggle of ultra-slim systems with all kinds of display sizes, brand names, and price tags.
The guys at CNet News have a nice, bite-sized rundown of the many offerings. Those include the Spectre XT, a three-pound, 13-inch ultrabook with an Ivy Bridge processor, an all-metal construction, and a $999 price tag. Other key specs include 128GB of solid-state storage, USB 3.0 and HDMI connectivity, and a "quad-speaker audio system."
Don't get your wallet out just yet, though. The Spectre XT isn't due out until June 8. I'm guessing that's because HP is waiting on Intel to release dual-core, 17W variants of its Ivy Bridge processor. Right now, the only mobile Ivy models are quad-core chips with 35W and 45W TDPs—great for full-sized systems, not so great for slick and slim ultrabooks.
Similarly, HP has some AMD-powered Envy Sleekbooks primed for a June 20 release. The cheapest one, a 15" system, will start at just $599 with an AMD APU and 320GB of mechanical storage. I expect that lineup to feature AMD's next-gen Trinity chips, which are slated to be available with both 17W and 35W power envelopes.
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