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Raf Simons Is Designing Film Costumes (Again)
This time, for Sigourney Weaver in Body Art.By Hilary Moss
This time, for Sigourney Weaver in Body Art.By Hilary Moss
Happy Thanksgiving from women who like food.By The Cut
"I was such a snob, so I didn't really want to do science fiction."By Ross Kenneth Urken
It is not!By Eliot Glazer
How high can a high-waisted skirt go?By Margaret Lyons and Sarah Lawson
At first you might assume the ghostbusting film is a spoof. Sadly, no.By Bilge Ebiri
We'd see it.By Eliot Glazer
And they might all shoot at the same time.By Kyle Buchanan
Madame President looks intense.By Eliot Glazer
See what happens when fashion and politics collide.By Ally Betker and Sally Holmes
Sigourney Weaver and Cillian Murphy are investigating.By Kyle Buchanan
As a tough, talented journalist.By Margaret Lyons
She'll star opposite James Wolk.By Kyle Buchanan
Also, super shirtless.By Kyle Buchanan
Friedlander weighs in on Kim Kardashian.By Bennett Marcus
Her character died in Avatar, but she's coming back for the sequel.By Avi Zenilman
Plus: Robert De Niro and Sigourney Weaver will star in Rodrigo Cortes's follow-up to 'Buried.'By Avi Zenilman
Plus, Bill O'Reilly receives a warm, rose petal filled welcome to The Daily Show, on our regular late-night roundup.By Dorsey Shaw
Plus, Jay Leno tells Casey Affleck that he can always tell when David Letterman is cranky, on our regular late-night roundup.By Dorsey Shaw
The ladies of 'You Again' chat about the film.By Edith Zimmerman

subset: commoncrawl


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Robyn C. Axberg is a business lawyer with a focus on mergers and acquisitions, entrepreneurs, and the legal profession.
Ms. Axberg represents privately held companies in the acquisition and disposition of assets and going enterprises across a diverse mix of industries. She has served as lead counsel in preparing asset and stock purchase agreements, merger agreements, and orchestrating reorganizations, financing arrangements, and business combinations. Ms. Axberg's mergers and acquisitions experience includes representing companies and trustees in connection with Employee Stock Ownership Plans (ESOPs).
Ms. Axberg aids entrepreneurs and closely held businesses in entity selection, formation and general corporate matters. She routinely drafts operating agreements and shareholder agreements, consulting agreements, service agreements, financing agreements and the like. She counsels her technology industry clients in licensing arrangements and protection of intellectual property. She represents minority and women-owned businesses in the procurement and maintenance of MBE (Minority Business Enterprise), WBE (Women Business Enterprise) and DBE (Disadvantaged Business Enterprise) certifications.
In addition, Ms. Axberg sits on the firm's Legal Profession Team, where she advises lawyers and law firms with respect to entity selection, partnership and corporate structuring, conflicts, lawyer mobility and fiduciary duties. She also drafts formation and governance documentation for law firm clients. Additionally, Ms. Axberg speaks and writes on topics relating to entity selection and structuring, ethics and risk management.
Ms. Axberg serves as adjunct faculty at the John Marshall Law School Business Enterprise Law Clinic, where she supervises student clinicians in the representation of clients in business formation and transactional matters on a pro bono basis.
While in law school, Ms. Axberg received the Justice Edward D. White Scholarship Award for graduating with the highest grade point average in the evening division. Prior to joining Holland & Knight, Ms. Axberg worked as a financial analyst at a Fortune 500 company.


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Newegg.com - A great place to buy computers, computer parts, electronics, software, accessories, and DVDs online. With great prices, fast shipping, and top-rated customer service - once you know, you Newegg.
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Showing Results: Most Recent
This review is from: ASUS VK248H-CSM Black 24" 2ms (GTG) HDMI Widescreen LED-Backlit LCD Monitor 250 cd/m2 ASCR 50000000:1 Built-in Speakers&Webcam
Pros: Nice picture and colors. Menus easy to navigate.
Cons: Every now and then the screen fades to black for a few seconds when connected via HDMI from my desktop computer (this never happened when I had the GeForce 640 LP video card connected to my TV set). It doesn't bother me enough to try and have it replaced but I doubt I'll ever buy another ASUS monitor.
Also, the monitor doesn't sit completely horizontal when on its stand. The tilt is just enough to be annoying and I'll probably just stick a wad of paper under it one of these days to level it off.


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Matthew KolkenShared publicly -
My blog has been moved to the following address: http://blogs.ilw.com/blog.php?29230-Matthew-Kolken-on-Deportation-And-Removal You may also follow me on Twitter: @mkolken Thanks.
I am admitted to practice in the courts of the State of New York, the United States District Court for the Western District of New York, and the United States Court of Appeals for the Second Circuit. I am a member of the American Immigration Lawyers Association (AILA).
I have appeared on CNN American Morning, have spoken at AILA's annual conference on grounds of removability, am the author of the Deportation and Removal Blog on ILW.com, and I'm listed as one of the most influential people on Twitter in the area of Immigration Law.
Practice Areas:
Deportation defense before the Immigration Courts throughout the United States, appellate practice before the Board of Immigration Appeals, the U.S. District Courts, and U.S. Courts of Appeals, as well as the immigration areas of business development, family petitions, asylum, waivers, and labor certification.
Attorney advertising. Prior results, do not do not guarantee a similar outcome.
Kolken & Kolken135 Delaware Ave Suite 101Buffalo, New York 14202


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Is anyone else's LO talking yet? Mine just doesn't want to, he'll tell me what he wants by pulling me to the item. It's so frustrating. He also doesn't want to self feed or listen to me. I'm a working mom and he is cared for my my parents who spoils him rotten. I'm just so frustrated! :(
HELP DS is 27 month old and is not talking yet!
You should contact Early Intervention to see him. Its free and they can help. My friend's daughter wasn't talking at 2 1/2 and the therapists came to her house to work with her. Part of her problem was that she was growing up in a bilingual house. They gave her some tips and, she is talking better.
My march son is not talking either. He receives services from Birth to Three and is going to be getting therapy from our local children's hospital as well. My son doesn't make much for sounds and was a very quiet baby. He has a motor planning speech disorder and it will take a lot of intensive therapy for him to learn to speak. The therapists just play with him and try to get him to make some sounds. We have also introduced sign language - it has been so helpful- and picture cards to help him communicate. I am not suggesting that your child has the same problem as mine, just that the services he receives are so helpful. Talk to your child;s dr. if you think that he should get services. good luck - Kim
pass me a note if you have any questions.
My DS is talking but our babysitter has a son that is 2 months older than him who wasnt talking. he's the baby of 4 kids and so whenver he wanted anything they would get it right away (since all 3 of the older kids wanted to help with the baby) and so he just never had to say anything. But now he has picked it up and is doing really good with it. Hopefully it gets better for you!
A->ECS @ 34 weeks, T&D->RCS @ 38+4 weeks, P->VBA2C @ 39+4 weeks, C->PPROM @ 31+4 weeks, 2VBA2C @ 34+3 weeks
I was worried about my DD who wouldn't say much so she was evaluated by EI. She didn't qualify but they said if not much improvement by September to give them another call to get her evaluated again. She is talking more (not 2-3 words together so much) but learning every day so I'm not worried.
If your LO is not talking definitely give them a call to get him evaluated. I'm sure he will qualify.
Call now though as it can take weeks for an appointment to be set up for the evaluation.
Just wanted to offer some encouragement. Be diligent and don't give up! I was told that my oldest son was delayed but he wasn't. He just didn't have anything to say; but when he did........OH BOY, HE HASN'T STOPPED!!! It gets better!
Mama to Demetrius, Lil James, (adoption is a true blessing x2) and Donevon (my surprise birth baby) * One Angel Baby in Heaven * 11-2010
Thanks all! He communicates ok with me when he wants something, he'll come to me and grab my hand and walk me to where he wants something...maybe it's a first time mom thing? I know someone with a DD same age as DS and she knows her ABCs and she talks a lot! My pediatrician told me to see a speech therapist next month if he isn't talking at all yet. I hope he talks soon! I'm glad I'm not the only one with this problem.
I have a good friend whose son is 25 months and not talking. They had him evaluated and he was communicating at a 6 month old level and understanding at an 18 month old level. It was suggested that he have speech therapy 2x per week. They don't qualify for reduced cost services but don't have the money to pay out of pocket, so she's just trying to make him speak more (not just giving him things until he at least makes an effort to respond to her "do you want your juice? say juice." kind of prompting). She says he has improved drastically over the past month and is now regularly babbling. Some kids just don't speak until later. EI is a great tool, so definitely give it a shot if you can, but in the meantime, unless you believe there is a delay that your son is suffering (and if he's communicating and gesturing, the likelihood is that there is not), then he'll come along in his own time.
E, Mommy to Kaia(5) and Mikko (4).
I also wanted to add (not brag) that I firmly do not believe being raised in a bilingual home has anything to do with not speaking. That is an old way of thinking. They may take longer to process speech patterns but I don't believe it delays their speech. My girls are being raised in a bilingual home and my ODD has been talking since 9 months. She said mama at 6 months. And started signing at 8 months. She understands EVerything I tell her in Spanish. She speaks mostly English because that's what she hears the most. My niece, nephew, and cousins baby are also bilingual and it did not affect their speech. I do have a cousin that stared speaking at 3 and is perfectly "normal" now as an adult. The therapist at the time said that some kids have to decide to speak. I don't know what experts say about it now. By what you describe it sounds like cognitively your DS knows what's going on. But again, I would see a specialist just to rule anything out. I hope everything goes well for you and remember every child works at their own pace.
Partner to a wonderful husband and father.
Proud Mommy to ODD (3.3.9) and YDD (4.28.11)
Learn more
Look how far your child has come.
Review your child's growth milestones.
Read about 7 years 5 months : Week 2.
Your growing child
Your 7 1/4-year-old: Encouraging reading
Your 7 1/2-year-old: Managing collecting
Your 7 1/2-year-old: Understanding the news
Your 7 1/2-year-old: Make reading fun
Your 7 1/2-year-old: Spirituality
Learn more
What's next for your growing child?
Get a glimpse of what's to come.
Read about 7 years 7 months.


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Monday 25 February 2013
Robert Hardy is forced to withdraw from The Audience, starring Helen Mirren as The Queen
It is with great regret that the Producers of The Audience have accepted Robert Hardy's decision to withdraw from the production. Hardy, 87, recently suffered a fall and cracked some ribs, yet continued to perform at all of the preview performances last week. Over the weekend he has decided that a schedule of eight performances a week over a long run is not sustainable and he has therefore reluctantly decided to stand down. The Producers would like to thank Robert Hardy for his extraordinary contribution to the production and they wish him a speedy recovery.
Monday 22 June 2015
Friday 13 February 2015
Wednesday 03 December 2014
Friday 31 October 2014
Tuesday 01 April 2014
Tuesday 31 December 2013
Tuesday 05 March 2013
Tuesday 26 February 2013
Tuesday 22 January 2013


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Apartments Near Wingland Elementary School Apartments in Bakersfield
"Wingland Elementary School Apartments"35.42587 , -119.03426
Are you looking for Wingland Elementary School Apartments? You should - Apartment Home Living has many advantages including providing you with the ability to live in a great school district and close to where your kids go to school. We know that having a comprehensive apartment living guide is key to finding the best new apartment listings by Wingland Elementary School.
Let\'s start with some information on the school. Wingland is in the Standard Elementary school district and serves grades KG to 5. The school is a title 1 eligible school and is not a charter school.
As an old German proverb says, "Those who get lost on the way to school will never find their way through life" — but don\'t worry we know where Wingland Elementary School is located. The school is located at 701 Douglas St., Bakersfield, CA 93308 in Kern County. The school is in a Suburb, Large Territory outside a principal city and inside an urbanized area with population of 250,000 or more. That\'s what the school board says anyway. Many Wingland Elementary School Apartments for rent are located nearby.
But a school is more than its location – it is students and teachers. As Henry Brooks Adams said – "a teacher affects eternity; he can never tell where his influence stops." Wingland Elementary School has 689 students enrolled and 35.5 teachers for a student to teacher ratio of 19 which compares unfavorable to the national average of 15 students per teacher. 76% of students receive free or reduced lunches compared to the national average of 44%.
If you're trying to find an apartment rental near the school, you must know which apartment rentals are available and contact these apartments for rent quickly. Below is a list of Wingland Elementary School Apartments. View these popular apartment prices, pictures and floorplans plus check availability or use our apartment resource that allows you to filter the apartment listings by rent, beds and baths.
Find North Country Meadows Apartments
1 To 2 bedrooms $905 to $1695
Whispering Meadows Apartments and Suites
|Sq.Ft. min
|Date Available
|Lease Length
1 To 2 bedrooms $850 to $975
Belcourt Apartment Homes
|Sq.Ft. min
|Date Available
|Lease Length
2 bedrooms $695
5451 Norris Rd Bakersfield CA Apartments
|Sq.Ft. min
|Date Available
|Lease Length
|August 29, 2016
- Laundry Room
I love you guys. You have a great selection with tons of pictures and updated rents. Thanks - I found the perfect place. — Jasmine W.


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Champions Online
Title Data
- Genre:
- Role-Playing > Massively Multiplayer
- Developer:
- Cryptic Studios
- ESRB Descriptor(s):
- Blood, Fantasy Violence, Suggestive Themes
Release Data
Data and credits for this game contributed by Weapon and 10ShotAllDay.
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You can submit or update game data or submit game credits to help us keep our data up-to-date.


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Post Content
Alex Sherman
Clean Energy Fellow Department of Energy Resources
Merrimack Valley Chamber of Commerce President Joe Bevilacqua is excited about what energy efficiency can do for industry and commerce in his region. He has made it the Chamber's mission to help businesses understand that there is opportunity out there if you know how to look for it.
The Chamber tapped one of its Lawrence neighbors – veteran-founded clean energy company Nexamp, Inc. – to help locate that opportunity. Joe knows Nexamp and trusts their work, and now he's leveraging that trust into the Clean Energy Partnership – one of the most exciting initiatives in the Department of Energy Resources' High Performance Buildings Program.
Using $500,000 in stimulus money, Joe and the Chamber will search their membership for commercial and industrial sector members that meet a diverse range of profiles; large manufacturing plants, small operations, mid-size offices, property management businesses, retail stores, etc. Nexamp will then provide each business with a Clean Energy Road Map, proprietary software that will help analyze a particular building's energy use. Then Nexamp will determine what can be done to reduce costs, and how fast the business will recoup the investment needed to lower their consumption. Finally, Nexamp will provide turn-key energy services and project management to these companies as they move through whatever retrofit they opt to implement.
The partnership is critical in a number of different ways – including the networks it is creating. In the business world, networking is everything – businesses listen to each other and to those that advocate on their behalf. Case in point: as the Chamber steers businesses towards Nexamp, and those businesses cut their costs, they'll act as energy efficiency case studies for other businesses – multiplying the impact of the Clean Energy Partnership many times over. The jobs and energy savings that could be created by this partnership is potentially huge. We'll keep you updated on the Chamber's progress, but, in the meantime, check out their website.
Recent Posts
Governor Baker Signs Comprehensive Energy Diversity Legislation posted on Aug 9
Today, in a continued effort to stabilize electric rates, ensure a diversified energy portfolio for the Commonwealth, and embrace advanced technologies, Governor Charlie Baker signed comprehensive energy diversity legislation into law at the State House with Lieutenant Governor Karyn Polito, legislative leaders, and energy and …Continue Reading Governor Baker Signs Comprehensive Energy Diversity Legislation
Daylighting: The Bright Way to Save posted on Feb 11
Have you ever noticed that lighting can change your mood, depending on whether it's natural or artificial? Going beyond occupancy sensors, the right lighting mix can also reduce energy consumption and save homeowners and commercial building operators' money by using natural light with coordinated design. …Continue Reading Daylighting: The Bright Way to Save
CoFFEE Funds Sustain Greenfield Community College posted on Feb 2
Greenfield Community College (GCC) is the first Commonwealth facility to complete an energy efficiency project through the Commonwealth Facility Fund for Energy Efficiency (CoFFEE), a self-sustaining revolving loan program for state facilities. Through a partnership between the Division of Capital Asset Management and Maintenance (DCAMM) …Continue Reading CoFFEE Funds Sustain Greenfield Community College


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Many of the physicians who have medical staff privileges to practice medicine at
Cedars-Sinai Medical Center are independent physicians, and not employees or agents of the hospital. These independent physicians bill separately for their services. You should contact your physician to determine their status and billing practices.
Evan M. Zahn, MD
Co-Director, Congenital Heart Program
Director, Division of Pediatric Cardiology
Alistair B. Phillips, MD
Co-Director, Congenital Heart Program
Director, Pediatric Cardiac Surgery
Program Team
Ruchira Garg, MD
Director, Congenital Noninvasive Cardiology
Pooja A. Nawathe, MD
Stephen M. Robert, MD
Pediatric Critical Care
Shreya S. Sheth, MD
Pediatric Cardiology
Nai Yu Tang, MD
Pediatric Cardiology
Marion McRae, RN, MScN, ACNP
Nurse Practitioner, Congenital Heart Program
Vincent Olshove, Jr.
Perfusionist, Congenital Heart Program


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All problems, personal and beyond, come from seeking power, the folly of ancient seers. Modern seers seek wisdom instead of power because they do not want to fall into the trap of power seeking. Thus, we make the crucial distinction between seeking wisdom and wanting power.
All good things come from wisdom. All human problems—personal and collective—are easily solved by wisdom. Yet, true wisdom is unusual in the world today. We do know how to use technology and we are experts at ego-tripping.
Our big goal is to bring a cultural shift toward wisdom, away from power seeking.
This can be accomplished only if our leaders are experts in abhidhyan yoga, the state of all-embracing meditation. This is a state when ego-driven pursuits stop and the person is able to live in true freedom. This state is possible only when the person has traveled through the Nine Phases of Love. At Phase IX, they become modern seers capable of leading through wisdom, beyond falling into the trap of power seeking.


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Unaddressed concussions can have a devastating effect on a child's life. Many silent concussions that are not obvious go unreported, sometime with deadly results.
Whether the concussion comes from a head injury, fall, or the sudden impact of acceleration or deceleration force, it can occur without being immediately recognized and can lead to long-term complications.
Because of this, some businesses, in conjunction with Vision Help Concussion Project, are offering a free baseline concussion testing with the King-Devick Test during September. This test is a safe, fast and reliable method to detect a dysfunction in micro-eye movements associated with concussions. Appointments are limited so please call ahead.
The following businesses are participating:
Meijer Optical, 5531 28th St. SE – 616-575-6647
Pearle Vision, 4284 Plainfield NE – Sept 17th – 616-364-6228
Fowle Eyecare Associates, 120 Marcell Dr. NE – 616-866-0140
By Marla Miller
This story originally ran in the Grand Rapids Urban Innovation Exchange
With the mission to restore and refocus at-risk youth, Grand C.I.T.Y.
With unexpected deaths of young people in the Grand Rapids area, it is so important to see to it that students are checked out, especially before engaging in sports. Metro health is sponsoring a FREE heart screen for students ages 14-18. This is a great opportunity to get checked out. Please take the time to get signed up.
Union High School gym located at 1800 Tremont Ave. NW in Grand Rapids is the place to be on Saturday, March 2 at 8:30am for a good game of 3-On-3 Basketball to benefit GRPS's Academy of Design & Construction program (ADC), made possible through the Grand Rapids Public Schools & Triangle Associates. ADC is a 4 year program for high school students, who want to have a career in the design & construction industry.<?xml:namespace prefix = o />
Funds from this Tournament will help this program offer scholarships to students, wanting to continue their ADC education.
A Grand Rapids Ottawa Hills High School Player is heading for college football. Quinton Pulley signed with Northwood University for this coming fall. Pulley was a three year starter for the Ottawa Hills High School Bengals Football team, and a First Team All Conference in 2012, leading the team with 90 tackles as a middle line backer.
Pulley said he started playing football in the second grade, and didn't even know if he would play at all coming into his freshman year at Ottawa Hills. He said among his best memories are the playoffs that first year with Ottawa Hills.
Grand River Preparatory High School will celebrate its first ever Homecoming celebration with a week full of events starting Feb. 11, 2013.
The weeklong celebration, themed "A Night on the Red Carpet", includes a powder puff football game, a boys' volleyball game, a staff vs. students basketball game, college apparel day, costume day, pajama day, and twin day. Friday will conclude the week of celebration with the homecoming assembly and first ever court, the varsity basketball game, and the crowning of the King and Queen at half-time.
"We are very excited to be celebrating our very first homecoming with our students," said Grand River Preparatory High School Principal Jason Bannister. "Not only will they be showing their pride for their school, but will be helping to give back to their community."
Pietro's Restaurant
Water Resource Recovery Facility
WZZM 13, 645 Three Mile, Grand Rapids, MI 49544
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Apr 30, 2005 10:23PM PST
Oy, it's me again. In case someone noticed a lack of Jay Kinslow...but no one reads my blogs...Anyway, in acouple of weeks, my mom'll let me get my PSP. I have the money now, but the whore won't let me get it yet. Maybe she's worried I won't be able to pay for lunch or spare pants? I dunno. She's just been such a bitch today. So it's been a long, sad, angry day. You know those days. Oh well. I'll live, I guess. I love you all.
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Monitoring & Testing Companies in Ukraine
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Office in Lviv, UKRAINE
Mita-Teknik has been in the business of control automation since 1969, and in wind since the early 1980's. Since the beginning we have been a key contributor in developing the wind business to where it is today, delivering more than 48,000 high performance control systems for setups in demanding environments around the world. Following the same core values on which Holger ...
Automatic Filters, Inc.
Distributor in UKRAINE
Automatic Filters, Inc. is the corporate headquarters and distribution center for the TEKLEEN line of automatic self-cleaning water filters.The company`s executive management team possesses an unparalleled level of skill and experience in the water filtration industry. The engineering, sales, marketing, and customer service departments work together to accomplish any ...
based in Chernihiv, UKRAINE
TAN LLC manufactures equipment for production of refined sunflower oil. Our equipment for primary purification of pressed plant oil, refining, winterization, adsorption (bleaching), deodorization, hydration and neutralization are successfully used in many enterprises. We have also developed and certified equipment for motor fuel "biodiesel" production. Today, our factory ...
Elvatech Ltd
based in Kiev, UKRAINE
Elvatech Ltd. is an R&D enterprise based in Kiev, Ukraine. Since 1991 it has been engaged in scientific instrument-making specializing in design and manufacture of electronic, vacuum, and spectrometric equipment, automated data collection and processing systems, and analytical software. It`s products are used in industrial, research and academic laboratories worldwide.
based in Chernivtsi, UKRAINE
ARTON was founded in 1998 and is a privately held Ukrainian manufacturer of early warning fire detection devices. ARTON under leadership of its founder has grown from its small beginnings to become a leading brand in the industry throughout the CiS. The company ARTAR PLUS was founded in 2010 as a subsidiary of ARTON. It manufactures a separate range of fire detection ...
Discovery Drilling Equipment, Ltd.
Office in Lviv region, UKRAINE
We are a private equipment and drilling rig manufacturing company serving the international oil industry. We are headquartered in London, UK with offices and representations in all major oil regions of the world including US, Canada, Middle East, Northern Africa, Russia and South East Asia. Discovery is a new name in the industry. The company was formed by private ...
LLC `Laboratory STT`
based in Dnepropetrovsk, UKRAINE
Laboratory of NTT implements new technologies and produces nonstandard equipment. Our engineers, having experience in space, chemical, machine-building scientific institutes, united to produce particular facilities and instruments, but not a waste paper, using their knowledge and experience and mainly desire. We`ve created a corporation of innovative technologies which ...
Promarmatura, JSC
based in UKRAINE
JSC "Promarmatura", Dnepropetrovsk (Ukraine) specializes in manufacturing and deliveries of industrial valves as well as deliveries of equipment. "Promarmatura", JSC supplies companies of different industries with wide range of stop valves (globe valves, gate valves, stop cocks, steam traps, shutoff and control valves, special valves) made of carbon steel and ...
Technowagy Ltd
based in Lviv Ukraine, UKRAINE
Plant of weighing equipment `Technowagy` Ltd is: Ukrainian manufacturer of quality weighing and dosing technology; team of highly skilled professionals, a quarter of whom are engineers, designers and programmers; offsite assembly and service teams; 15 years experience in the weighing equipment; unique, specific development; testing laboratory; own production capacity over ...
based in Kiev, UKRAINE
ALUPRO ` Group of Companies legally registered and specialized in production of aluminum profile systems. ALUPRO ™ Group is vertically integrated group of production companies that manages every link of the value chain, from raw-materials processing to the finished products.At ALUPRO ™ if you can dream it, we can shape it.From our extensive aluminum extrusion capabilities ...
SWAN Analytische Instrumente AG
Distributor in Kiev, UKRAINE
SWAN is one of the leading manufacturers of on-line analytical instruments. Every single instrument is made in Switzerland. For more information, about the company, please choose one of the corresponding topics from the menu on the left. SWAN has been a global leading provider of on-line analytical systems in the water industry. The current product portfolio ranges from ...
American Machinery Company (AMACO)
based in Kiev region, UKRAINE
AMACO (American Machinery Company) began its history in 1992. It is a division of a large international group of companies operating in the USA, Europe, Africa, and the Middle East. AMACO's main activities are technological solutions in the areas of agriculture, construction machinery and commercial vehicles. AMACO's partners network includes 33 dealer centers and 29 ...
Hydranautics A Nitto Denko Company
Distributor in UKRAINE
Hydranautics, founded in 1963, entered the reverse osmosis (RO) water treatment field in 1970. Now one of the most respected and experienced firms in the membrane separations industry, Hydranautics has attained global recognition for providing innovative, cost effective solutions for the desalination and separation problems of the world. Hydranautics` ongoing commitment ...
based in Kyiv, UKRAINE
Our traditional markets are the pelletizing raw and the sugar industry. ICK Group is one of the manufacturers of plants and equipment for pelletizing biomass, wood, straw, husk, sugar beet pulp, mixed feed for livestock, poultry, fish-farming and others. ICK Group means:- Positive image established by the presence for 20 years at the market. Since 1993 till 2015 more than ...
GlobeCore Blending
based in Poltava, UKRAINE
Globecore Blending company is intended in production of Biodiesel cavitational reactors for production of biodiesel fuel, polishing systems for biodiesel, diesel, heating oil, turbine oil, gasoline and different types of oil and fuel, and blending systems for fuel and biofuel.
PP `Tehnologia O`
based in Vinnytsia, UKRAINE
PP "Tehnologia O" (Private Enterprise "Tehnologia O" ("Technology O") provides a broad range of professional services related to the development and preparation of documents for applying for environmental permits to ensure compliance with legal entities and private entrepreneurs with environmental legislation of Ukraine.
Pentair, Inc.
Distributor in UKRAINE
Pentair is a global diversified industrial company headquartered in Minneapolis, Minnesota. Its Water Group is a global leader in providing innovative products and systems used worldwide in the movement, treatment, storage and enjoyment of water. Pentair`s Technical Products Group is a leader in the global enclosures and thermal management markets, designing and ...
ECM ECO Monitoring,a.s.
Office in UKRAINE
ECM ECO Monitoring has been established in 1991. Major shareholder is TSI Incorporated. ECM ECO Monitoring is focusing on instrumentation for continuous monitoring of gases, liquids and particles. Teaming leading manufacturers of analytic instrumentation, ECM is ready to offer an optimal solution for monitoring problems of a very broad range of applications in different ...
NHM Limited
based in Kiev, UKRAINE
NHM Limited (NOVIY VEK) is a leading manufacturer and supplier of packaging and processing equipment to the food and pharmaceutical industries in the CIS countries and Africa since 1992. Our company provides clients with everything necessary, from pre-sales advice to full technical support during the warranty and post-warranty period. We are well known for our quick and ...
GlobeCore GmbH
based in Ukraine, UKRAINE
GlobeCore GmbH is one of the world leaders in industrial manufacturing. Products of GlobeCore are used in transformer oil purification and degassing, insulation oil filtration, power transformer vacuuming. We produce industrial equipment for reclamation, purification, drying and degassing of transformer, turbine, industrial and other oils, reclamation of all kinds of ...
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Editor's note: Welcome to the weekly installment of "Tacklin' Fantasy," our recap of the news and trends you need to keep top of mind for fantasy dominance
49er to start: Colin Kaepernick, QB
Colin Kaepernick threw for three touchdowns last week, and he now gets his favorite receiver Michael Crabtree back. Also helps that the 49ers play the St. Louis Rams in Week 13 whose pass defense has struggled recently -- gave up 352 passing yards to backup Chicago Bears quarterback Josh McCown last week. Put your early-season resentment towards Kaep aside and start him.
Raider to start: Rashad Jennings, RB
Last week the Dallas Cowboys gave up 202 yards rushing to NY Giants' running backs. The week before? 244 rushing yards to the New Orleans Saints. And the week before that? 140 yards rushing to Adrian Peterson. Moral of the story? Start Jennings, who is averaging 103.25 rushing yards a game since taking over for the injured Darren McFadden.
49er to sit: Frank Gore, RB
The last time running back Frank Gore played the St. Louis Rams, he ran for a season-high 153 yards and a touchdown. While the 49ers do play the Rams again in Week 13, Gore has been playing less snaps -- 59 percent last week, as opposed to 75 percent on the season -- as the season wears on. Gore should play well, but not put up the gaudy stats circa Week 4.
Raider to sit: Raiders, D/ST
The Oakland Raiders defense has played well the past five games giving up less than 25 points in four of those contests. Unfortunately, the Raiders rank No. 25 in the NFL in passing yards allowed per game and their Week 13 opponent, the Dallas Cowboys, bode all-world receiver Dez Bryant and the No. 12 ranked passing attack.
NFL trend: Waiver-wire help
RB- Toby Gerhart - Quietly has had 67 and 91 yards rushing the past two weeks. The Vikings play the Henry Melton-less Chicago Bears, who give up a league-worst 145.2 rushing yards a game. Keep an eye on the Stanford alum.
WR- Brandon LaFell - The Carolina Panthers No. 2 wide receiver has seen over seven targets in three of the last four games. Panthers play the Tampa Bay Bucs, whose defense has given up 13 receptions, 211 yards and two touchdowns to opposing No. 2 receivers the past two weeks. Start LaFell.
TE- Ladarius Green - The tight end is slowly making himself fantasy relevant with back-to-back 80 yard receiving games for the Chargers. Stash Green with an eye on future production from him.
Buy-low candidate: C.J. Spiller, RB, Buffalo Bills
After the bye week, Bills running back C.J. Spiller should be 100 percent healthy (ankle). So far in 2013 he hasn't been productive averaging 60.3 total yards per game. Good news is on the horizon when the Bills play the No. 5 worst run defensive team, the Atlanta Falcons. Over the past three weeks Atlanta's defense is giving up a 5.95 yard average on 64 carries to starting running backs.
Sell-high candidate: Maurice Jones-Drew, RB, Jacksonville Jaguars
Maurice Jones-Drew has seen a nice revitalization the past three weeks, scoring a touchdown in each contest. But he still looks slow -- 3.02 yard average per carry last three games. The Jaguars play the Cleveland Browns in Week 13 whose defense is No. 6 against the run, giving up 97.7 yards per game on the ground. Not good news for MJD.
Star to sit: Seattle Defense/Special Teams
The Seattle Seahawks have the No. 2 ranked defense in 2013 -- giving up 293.3 total yards, 16.3 points and 180.4 passing yards a game -- but this won't be the same defense Week 13 against the New Orleans Saints. Starting corner Brandon Browner is out with an injury and No.3 corner Walter Thurmond III is suspended. Stepping into Thurmond and Browner's corner position is Perrish Cox; he was signed on Tuesday, and will start. Don't expect much from the Seahawks against the Saints' No. 3 ranked offense.
No-namer to start: Rod Streater, WR, Oakland Raiders
Receiver Rod Streater has taken off over the past four weeks, going over 80 receiving yards in three of those games. With Denarius Moore (injured shoulder) ruled out for Thursday's game in Dallas, Streater should be the Raiders' No.1 receiver. The Cowboys are ceding 9.2 targets and 77.1 yards per game to No. 1 receivers. Fantasy owners should be thankful for the former Temple alum's Thanksgiving day matchup.


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Quotes & Info
|CBSH > SEC Filings for CBSH > Form 10-Q on 4-Nov-2011
|All Recent SEC Filings
Quarterly Report
The following discussion and analysis should be read in conjunction with the consolidated financial statements and related notes and with the statistical information and financial data appearing in this report as well as the Company's 2010 Annual Report on Form 10-K. Results of operations for the three and nine month periods ended September 30, 2011 are not necessarily indicative of results to be attained for any other period.
Forward Looking Information
This report may contain "forward-looking statements" that are subject to risks and uncertainties and include information about possible or assumed future results of operations. Many possible events or factors could affect the future financial results and performance of the Company. This could cause results or performance to differ materially from those expressed in the forward-looking statements. Words such as "expects", "anticipates", "believes", "estimates", variations of such words and other similar expressions are intended to identify such forward-looking statements. These statements are not guarantees of future performance and involve certain risks, uncertainties and assumptions that are difficult to predict. Therefore, actual outcomes and results may differ materially from what is expressed or forecasted in, or implied by, such forward-looking statements. Readers should not rely solely on the forward-looking statements and should consider all uncertainties and risks discussed throughout this report. Forward-looking statements speak only as of the date they are made. The Company does not undertake to update forward-looking statements to reflect circumstances or events that occur after the date the forward-looking statements are made or to reflect the occurrence of unanticipated events. Such possible events or factors include: changes in economic conditions in the Company's market area, changes in policies by regulatory agencies, governmental legislation and regulation, fluctuations in interest rates, changes in liquidity requirements, demand for loans in the Company's market area, and competition with other entities that offer financial services.
Critical Accounting Policies
The Company's consolidated financial statements are prepared based on the application of certain accounting policies, some of which require numerous estimates and strategic or economic assumptions that may prove inaccurate or be subject to variations which may significantly affect the Company's reported results and financial position for the current period or future periods. The use of estimates, assumptions, and judgment is necessary when assets and liabilities are required to be recorded at, or adjusted to reflect, fair value. Current economic conditions may require the use of additional estimates, and some estimates may be subject to a greater degree of uncertainty due to the current instability of the economy. The Company has identified several policies as being critical because they require management to make particularly difficult, subjective and/or complex judgments about matters that are inherently uncertain and because of the likelihood that materially different amounts would be reported under different conditions or using different assumptions. These policies relate to the allowance for loan losses, the valuation of certain investment securities, and accounting for income taxes.
The Company performs periodic and systematic detailed reviews of its loan portfolio to assess overall collectability. The level of the allowance for loan losses reflects the Company's estimate of the losses inherent in the loan portfolio at any point in time. While these estimates are based on substantive methods for determining allowance requirements, actual outcomes may differ significantly from estimated results, especially when determining allowances for business, lease, construction and business real estate loans. These loans are normally larger and more complex, and their collection rates are harder to predict. Personal loans, including personal mortgage, credit card and consumer loans, are individually smaller and perform in a more homogenous manner, making loss estimates more predictable. Further discussion of the methodology used in establishing the allowance is provided in the Provision and Allowance for Loan Losses section of this discussion.
Valuation of Investment Securities
The Company carries its investment securities at fair value and employs valuation techniques which utilize observable inputs when those inputs are available. These observable inputs reflect assumptions market participants would use in pricing the security and are developed based on market data obtained from sources independent of the Company. When such information is not available, the Company employs valuation techniques which utilize unobservable inputs, or those which reflect the Company's own assumptions about market participants, based on the best information available in the circumstances. These valuation methods typically involve cash flow and other financial modeling techniques. Changes in underlying factors, assumptions, estimates, or other inputs to the valuation techniques could have a material impact on the Company's future financial condition and results of operations. Assets and liabilities carried at fair value inherently result in more financial statement volatility. Under the fair value measurement hierarchy, fair value measurements are classified as Level 1 (quoted prices), Level 2 (based on observable inputs) or Level 3 (based on unobservable, internally-derived inputs), as discussed in more detail in Note 13 to the consolidated financial statements. Most of the available for sale investment portfolio is priced utilizing industry-standard models that consider various assumptions which are observable in the marketplace, or which can be derived from observable data. Such securities totaled approximately $8.8 billion, or 94.4% of the available for sale portfolio at September 30, 2011 and were classified as Level 2 measurements. The Company also holds $139.7 million in auction rate securities. These were classified as Level 3 measurements, as no market currently exists for these securities, and fair values were derived from internally generated cash flow valuation models which used unobservable inputs significant to the overall measurement.
Changes in the fair value of available for sale securities, excluding credit losses relating to other-than-temporary impairment, are reported in other comprehensive income. The Company periodically evaluates the available for sale portfolio for other-than-temporary impairment. Evaluation for other-than-temporary impairment is based on the Company's intent to sell the security and whether it is likely that it will be required to sell the security before the anticipated recovery of its amortized cost basis. If either of these conditions is met, the entire loss (the amount by which the amortized cost exceeds the fair value) must be recognized in current earnings. If neither condition is met, but the Company does not expect to recover the amortized cost basis, the Company must determine whether a credit loss has occurred. This credit loss is the amount by which the amortized cost basis exceeds the present value of cash flows expected to be collected from the security. The credit loss, if any, must be recognized in current earnings, while the remainder of the loss, related to all other factors, is recognized in other comprehensive income.
The estimation of whether a credit loss exists and the period over which the security is expected to recover requires significant judgment. The Company must consider available information about the collectability of the security, including information about past events, current conditions, and reasonable forecasts, which include payment structure, prepayment speeds, expected defaults, and collateral values. Changes in these factors could result in additional impairment, recorded in current earnings, in future periods.
At September 30, 2011, non-agency guaranteed mortgage-backed securities with a par value of $153.2 million were identified as other-than-temporarily impaired. The credit-related impairment loss on these securities amounted to $9.3 million, which was recorded in the consolidated income statements in investment securities gains (losses), net. The noncredit-related loss on these securities, which was recorded in other comprehensive income, was $7.6 million on a pre-tax basis.
The Company, through its direct holdings and its Small Business Investment subsidiaries, has numerous private equity investments, categorized as non-marketable securities in the accompanying consolidated balance sheets. These investments totaled $66.4 million at September 30, 2011, and most are carried at fair value. Changes in fair value are reflected in current earnings and reported in investment securities gains (losses), net, in the consolidated income statements. Because there is no observable market data for these securities, their fair values are internally developed using available information and management's judgment, and they are classified as Level 3 measurements. Although management believes its estimates of fair value reasonably reflect the fair value of these securities, key assumptions regarding the projected financial performance of these companies, the evaluation of the investee company's management team, and other economic and market factors may affect the amounts that will ultimately be realized from these investments.
Accrued income taxes represent the net amount of current income taxes which are expected to be paid attributable to operations as of the balance sheet date. Deferred income taxes represent the expected future tax consequences of events that have been recognized in the financial statements or income tax returns. Current and deferred income taxes are reported as either a component of other assets or other liabilities in the consolidated balance sheets, depending on whether the balances are assets or liabilities. Judgment is required in applying generally accepted accounting principles in accounting for income taxes. The Company regularly monitors taxing authorities for changes in laws and regulations and their interpretations by the judicial systems. The aforementioned changes, and changes that may result from the resolution of income tax examinations by federal and state taxing authorities, may impact the estimate of accrued income taxes and could materially impact the Company's financial position and results of operations.
Selected Financial Data Three Months Ended September 30, Nine Months Ended September 30, 2011 2010 2011 2010 Per Share Data Net income per common share - basic $ .76 $ .63 $ 2.25 $ 1.82 Net income per common share - diluted .76 .64 2.24 1.82 Cash dividends .230 .224 .690 .671 Book value 25.15 23.37 Market price 34.75 35.80 Selected Ratios (Based on average balance sheets) Loans to deposits (1) 58.29 % 68.88 % 60.27 % 71.88 % Non-interest bearing deposits to total deposits 30.49 28.86 29.75 28.26 Equity to loans (1) 23.35 20.18 22.54 19.17 Equity to deposits 13.61 13.90 13.59 13.78 Equity to total assets 10.85 10.84 11.03 10.81 Return on total assets 1.32 1.19 1.37 1.17 Return on total equity 12.15 10.98 12.41 10.85 (Based on end-of-period data) Non-interest income to revenue (2) 39.05 38.55 38.16 37.78 Efficiency ratio (3) 58.71 59.58 58.57 59.49 Tier I risk-based capital ratio 14.58 14.27 Total risk-based capital ratio 15.92 15.64 Tangible common equity to assets ratio (4) 9.72 10.26 Tier I leverage ratio 9.74 9.93
(1) Includes loans held for sale.
(2) Revenue includes net interest income and non-interest income.
(3) The efficiency ratio is calculated as non-interest expense (excluding intangibles amortization) as a percent of revenue.
(4) The tangible common equity ratio is calculated as stockholders' equity reduced by goodwill and other intangible assets (excluding mortgage servicing rights) divided by total assets reduced by goodwill and other intangible assets (excluding mortgage servicing rights).
Results of Operations Summary Three Months Ended September 30, Nine Months Ended September 30, (Dollars in thousands) 2011 2010 % Change 2011 2010 % Change Net interest income $ 158,630 $ 159,437 (.5 )% $ 484,313 $ 485,255 (.2 )% Provision for loan losses (11,395 ) (21,844 ) (47.8 ) (39,372 ) (78,353 ) (49.8 ) Non-interest income 101,632 100,010 1.6 298,882 294,657 1.4 Investment securities gains (losses), net 2,587 16 N.M. 5,870 (2,989 ) N.M. Non-interest expense (153,746 ) (155,586 ) (1.2 ) (461,219 ) (467,103 ) (1.3 ) Income taxes (31,699 ) (26,012 ) 21.9 (91,898 ) (71,817 ) 28.0 Non-controlling interest (expense) income (657 ) (136 ) 383.1 (1,737 ) 139 N.M. Net income attributable to Commerce Bancshares, Inc. $ 65,352 $ 55,885 16.9 % $ 194,839 $ 159,789 21.9 %
N.M. = Not meaningful
For the quarter ended September 30, 2011, net income attributable to Commerce Bancshares, Inc. amounted to $65.4 million, an increase of $9.5 million, or 16.9%, compared to the third quarter of the previous year. For the current quarter, the annualized return on average assets was 1.32%, the annualized return on average equity was 12.15%, and the efficiency ratio was 58.71%. Diluted earnings per share was $.76, an increase of 18.8% compared to $.64 per share in the third quarter of 2010. Compared to the third quarter of last year, net interest income decreased $807 thousand, or .5%, due to lower interest earned on loans, which was partly offset by higher earnings on investment securities and securities purchased under agreements to resell and lower expense incurred on deposits and borrowings. Non-interest income increased $1.6 million, or 1.6%, and included growth in bank card and trust fee income. Compared to the same period last year, non-interest expense decreased $1.8 million, or 1.2%, which included declines of $2.0 million in deposit insurance expense and $1.1 million in supplies and communication costs, partly offset by a $3.0 million increase in other non-interest expense. The provision for loan losses totaled $11.4 million for the current quarter, representing a decrease of $10.4 million from the third quarter of 2010.
Net income attributable to Commerce Bancshares, Inc. for the first nine months of 2011 was $194.8 million, an increase of $35.1 million, or 21.9%, over the same period in the previous year. For the first nine months of 2011, the annualized return on average assets was 1.37%, the annualized return on average equity was 12.41%, and the efficiency ratio was 58.57%. Diluted earnings per share was $2.24, an increase of 23.1% over $1.82 per share in the same period last year. Compared to the first nine months of 2010, net interest income decreased slightly, with trends similar to the quarterly comparison above. Non-interest income grew $4.2 million, or 1.4%, largely due to increases of $13.0 million in bank card transaction fees and $6.4 million in trust fees, which were partially offset by a $9.1 million decline in deposit account fees and a $5.2 million decline in loan fees and sales. Non-interest expense declined $5.9 million compared to the same period last year due to decreases of $2.7 million in salaries and benefits expense, $4.0 million in supplies and communication costs and $4.0 million in deposit insurance expense, which were partially offset by an $8.5 million increase in other non-interest expense. The provision for loan losses totaled $39.4 million, down $39.0 million compared to the same period last year.
On June 29, 2011, the Company's sole bank subsidiary (the Bank), formerly a national banking association, became a state chartered Federal Reserve member bank. The Bank's main regulator changed from the Office of the Comptroller of the Currency to both the Federal Reserve Bank of Kansas City and the Missouri Division of Finance. The Bank's deposits continue to be fully insured by the FDIC in accordance with applicable laws and regulations. As a result of this change, the Company expects to reduce its annual examination fees by approximately $1.5 million.
The following table summarizes the changes in net interest income on a fully taxable equivalent basis, by major category of interest earning assets and interest bearing liabilities, identifying changes related to volumes and rates. Changes not solely due to volume or rate changes are allocated to rate.
Analysis of Changes in Net Interest Income Three Months Ended September 30, 2011 Nine Months Ended September 30, 2011 vs. 2010 vs. 2010 Change due to Change due to Average Average Average Average (In thousands) Volume Rate Total Volume Rate Total Interest income, fully taxable equivalent basis: Loans $ (5,606 ) $ (5,776 ) $ (11,382 ) $ (15,278 ) $ (20,110 ) $ (35,388 ) Loans held for sale (1,181 ) 83 (1,098 ) (4,903 ) 247 (4,656 ) Investment securities: U.S. government and federal agency securities (296 ) 1,930 1,634 (1,168 ) 9,247 8,079 Government-sponsored enterprise obligations 146 527 673 443 321 764 State and municipal obligations 2,318 (979 ) 1,339 8,193 (2,439 ) 5,754 Mortgage and asset-backed securities 8,026 (8,759 ) (733 ) 22,187 (29,312 ) (7,125 ) Other securities (113 ) (1,207 ) (1,320 ) (818 ) 56 (762 ) Total interest on investment securities 10,081 (8,488 ) 1,593 28,837 (22,127 ) 6,710 Short-term federal funds sold and securities purchased under agreements to resell 7 (6 ) 1 22 (17 ) 5 Long-term securities purchased under agreements to resell 2,813 238 3,051 8,652 (274 ) 8,378 Interest earning deposits with banks 98 7 105 33 6 39 Total interest income 6,212 (13,942 ) (7,730 ) 17,363 (42,275 ) (24,912 ) Interest expense: Deposits: Savings 21 40 61 45 130 175 Interest checking and money market 1,023 (1,900 ) (877 ) 2,963 (5,489 ) (2,526 ) Time open & C.D.'s of less than $100,000 (1,409 ) (1,622 ) (3,031 ) (3,626 ) (5,571 ) (9,197 ) Time open & C.D.'s of $100,000 and over (69 ) (1,262 ) (1,331 ) 515 (4,224 ) (3,709 ) Total interest on deposits (434 ) (4,744 ) (5,178 ) (103 ) (15,154 ) (15,257 ) Federal funds purchased and securities sold under agreements to repurchase 4 (296 ) (292 ) (113 ) (516 ) (629 ) Other borrowings (1,897 ) 93 (1,804 ) (10,376 ) (92 ) (10,468 ) Total interest expense (2,327 ) (4,947 ) (7,274 ) (10,592 ) (15,762 ) (26,354 ) Net interest income, fully taxable equivalent basis $ 8,539 $ (8,995 ) $ (456 ) $ 27,955 $ (26,513 ) $ 1,442
Net interest income for the third quarter of 2011 was $158.6 million (not tax equated), an $807 thousand decrease from the third quarter of 2010. The decrease in net interest income was primarily the result of lower interest income earned on loans, due to lower average rates and lower average balances, partly offset by a decline in interest expense incurred on deposits and other borrowings coupled with higher interest income earned on investment securities and securities purchased under agreements to resell. The Company's tax equivalent net interest rate margin was 3.51% for the third quarter of 2011 compared to 3.75% in the third quarter of 2010.
Total interest income, on a tax equivalent basis (T/E), decreased $7.7 million, or 4.2%, from the third quarter of 2010. Interest income on loans (T/E, including held for sale) declined $12.5 million due to a decrease of $871.1 million, or 8.7%, in average loan balances, coupled with a 14 basis point decrease in average rates earned. The decrease in average loans compared to the third quarter of 2010 included a decrease of $573.7 million in average student loans, contributing to a decrease in interest income of $3.0 million. The majority of this portfolio was sold in the fourth quarter of 2010. Interest income from consumer loans decreased from the third quarter of 2010 due to a decline of 10.5%, or $129.5 million, in average consumer loans coupled with a 45 basis point decrease in average rates earned. Included in the decrease in average consumer loan balances was a decline in marine and
Interest income on investment securities (T/E) increased $1.6 million over the third quarter of 2010. This increase resulted mainly from a $1.4 million increase in inflation income earned on TIPS, coupled with increases in average balances in state and municipal obligations and mortgage and asset-backed securities of $203.1 million and $1.1 billion, respectively. These increases were partially offset by decreases in average rates earned on mortgage and asset-backed securities, which lowered interest income by $8.8 million. During the third quarter of 2011, the Company purchased approximately $1.3 billion of agency mortgage-backed securities with forward settlement dates, of which approximately $1.0 billion will settle in the fourth quarter of 2011. Since interest does not accrue on these bonds until the actual settlement date, the effect of these forward purchases was to increase quarterly average earning assets by $284.0 million and reduce income by $1.5 million compared to estimated normal settlement. Because the market awards a lower price to forward settled securities, the Company will earn approximately 14 basis points more on these securities over their estimated lives. The Company began investing in long-term securities purchased under agreements to resell in the second half of 2010 to diversify its investment portfolio. The average balance in this category increased $650.7 million to $850.0 million during the third quarter of 2011 and contributed $3.1 million in interest income. The average tax equivalent yield on total interest earning assets was 3.77% in the third quarter of 2011 compared to 4.19% in the third quarter of 2010.
Total interest expense decreased $7.3 million, or 37.3%, compared to the third quarter of 2010, due to a $5.2 million decrease in interest expense on interest bearing deposits, coupled with a $1.8 million decrease in interest expense on other borrowings. The decrease in interest expense on deposits resulted from a 22 basis point decrease in average rates paid. Average balances of interest checking and money market accounts increased $962.3 million, or 14.2%, while average certificates of deposit decreased $455.2 million, or 14.9%. Interest expense on other borrowings declined mainly due to lower average FHLB advances, which declined $237.7 million, or 69.5%, due to scheduled maturities of advances and the early pay off of $125.0 million in the fourth quarter of 2010. The overall average rate incurred on all interest bearing liabilities decreased to .40% in the third quarter of 2011 compared to .66% in the third quarter of 2010.
Net interest income for the first nine months of 2011 was $484.3 million compared to $485.3 million for the same period in 2010. For the first nine months of 2011, the net yield on total interest earning assets on a tax equivalent basis was 3.73% compared to 3.91% in the first nine months of 2010. The components of net interest income for the first nine months in 2011 compared to the same period in 2010 reflected trends similar to the quarterly discussion above.
Total interest income (T/E) for the first nine months of 2011 decreased $24.9 million from the same period last year primarily due to lower interest income earned on the loan portfolio, partially offset by increases in interest income earned on investment securities and securities purchased under agreements to . . .


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Matthew Sharpe is an American novelist who also sometimes writes stories and essays. His novels are You Were Wrong, Jamestown, The Sleeping Father, and Nothing Is Terrible. His short-story collection is Stories from the Tube. He has received fellowships from the National Endowment for the Arts and the New York Foundation for the Arts. The Sleeping Father was chosen for the Today Show Book Club in 2004. Sharpe has taught writing and literature at Wesleyan University, Columbia University, New College of Florida, the Milton Avery Graduate School of the Arts at Bard College, and in numerous New York City public schools under the auspices of Teachers & Writers Collaborative.
From the author's website
About This Biography
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Blood at the Root
"A gripping, timely, and important examination of American racism."
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Ok, so folks, let me tell you something that you did not know about me:
I am an IIM Ahmedabad Graduate!
Yeah. Believe me.
Still have doubts? Check this out:
This is a photograph of me with other students, on the lawns of IIM A with Professor Rekha Jain sitting in the center (blue sari).
Now, that I have impressed you, let me bring you to the point of this post - which essentially tries to understand what happens when the CEO of a reputed Company 'lies'!!
Let me get straight to the point - This is about the case of the Yahoo CEO lying.
I assume you know that Scott Thompson - the newly elected CEO of Yahoo lied about his college degree (google for more info, in case you don't).
Mr. Thompson's resume said he had earned both accounting and computer science degrees from Stonehill College in Massachusetts. After prodding by the hedge fund Third Point last week, Yahoo conceded that Mr. Thompson had earned only an accounting degree.
First of all, we all 'personally' write our resumes!
I don't think our gardeners or valets carefully write our resumes for us, do they?
Also one assumes that people with Alzheimer's disease get professional help when they write their resumes.
Final assumption is that people with Alzheimer's don't get appointed as CEOs. At least they do not get to become the Yahoo CEO, right?
(Ps - I am very sympathetic towards people with Alzheimer's. The context of using the disease in this post is not to ridicule people who are affected, but to make a strong, hard hitting point.)
Coming back to resume writing:
On a clean white word document, when I write my professional life story, I write what has happened to me, in my life!
I don't mix it up with fiction and poems that are in my head!
So, when I TYPE - 'Graduate from Sydenham College', I know that I went to Sydenham College!
I state that I have received a 'Bachelor of Commerce degree from Sydenham College, with a major in Economics and Accounting.'
Errrr..... I do not state that I have an additional degree from Sydenham in Aeronautical Physics and Aerodynamics (and not because Sydenham does not have that course, but because I did not study it!)
As I write my resume, the stuff that I studied, the Companies that I worked for, the jobs that I held... all flash before me.
Everything that I personally write in my resume 'has' happened!!! It's not a figment of my imagination!
Therefore, I ask - How dare that someone of the stature and position of Scott Thompson actually has the audacity to lie about his college degree?
Why is this weak man mumbling and fumbling about it, and writing apology notes to his colleagues stating how sorry he is for the inconvenience he is causing them?
Why is he 'darting in and out of meetings'?
How does he look into his colleagues' eyes and have real conversations with them?
Why hasn't he so far exited the Yahoo office from the back window of the last cubicle of the men's toilet, never to appear again?
My thoughts:
People who lie have very low self-esteem.
They are folks who are not confident of what they have done and what they can do, and hence need to lie about things to project achievements, such as educational degrees and job titles.
Such people can never be leaders. Forget about even heading Companies.
In the case of Yahoo - it's a Company that needs a Napoleon, a Churchill, an Attila the Hun; someone who can lead Yahoo into the business battlefield and win.
Scott Thompson resembles a rat.
Lying has many variations.
Lies are black, white, grey, blue, yellow and pink in color. Lies can be as soft as you want them to be and as hard as graphene.
There is no way to figure out one lie from another, because a lie is a lie!
CEOs of Companies don't lie. History is full of examples of men and women who have miserably failed to keep their Companies flying high when they have lied.
CEOs who lie need to be fired. And then prosecuted for ruining a Company's business and work flow.
Liars can never stop lying.
Now, don't get me wrong! We were all liars – but as kids, teens and maybe even young adults. We lied to our parents and friends and colleagues and got caught and reprimanded and scolded and learnt our lessons.
As we became mature and responsible, we taught the same morals to our subordinates and our children! Oh yes, we stopped lying!
I will never trust Scott Thompson ever again. Because he lied at a position as a CEO, which by the way, is the highest position a corporate person can achieve.
Does Yahoo understand that when people like me will not trust Scott Thompson, then people like me will not trust Yahoo?!
As an entrepreneur, I have learnt quite the opposite actually. That instead of lying, when you speak the truth, this is what happens:
- VCs love you because they like people who are honest and trustworthy.
- An amazing clarity of mind emerges when you are truthful. Because you are not covering up anything, you just focus on the problems; not on the lies you said and need to protect.
- What you say is what you do. People respect that.
Scott Thompson – I say you need to go to rehab and get your morals set right. And leave Yahoo's dignity intact. It doesn't deserve your bad lying karma.
Oh, if you are still wondering about the IIM A photograph - it was shot after I completed a small course there in 1994 in Software Export Management!
And if you are still wondering, that course does not find a mention on my resume :-)
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The Key is that Yahoo has been fools while selecting CEOs in past 2-3 instances. I donot know about their selection process, but this is one key reason why they are losing market to their competitors. Last few years there has been no innovation on part of Yahoo. While new companies are coming up with innovative ideas, established ones getting better, Yahoo is still running on the old shoes of Mail and News.
Innovation has been lost in Yahoo... so when they ask Do you Yahoo?? my answer would be No
If what you say abhishek about the selction of CEO's has been mis-done for past 2-3 times, then this actually is a challenge with recruitment... The recruitment process here has to be actually guided with a innovative perspective & more involved one... Also what you said, i truly agree, that Yahoo has not been able to connect with users on innovative ideas...
Yes he lied, period. From what I have read, the lie did not originate when he started at Yahoo, the lie originated (and must have) few years back when he was working on lesser senior positions. From there the lie carried forward and it must have been easier to go with the lie then retract on his lie and answer 1 million questions (or at least that is what he thought back then!).
But yes, agree with your points completely and can't agree more "People who lie have very low self-esteem."
Your pic is not matching --- fake!! :D
Jokes apart - At this level of hierarchy the person is not just the CEO, he/she represents the entire company and all the members associated with that group and nothing less then a brand ambassador. I think Scott's selection is more politically guided rather then value addition. Yahoo is in desperate need to cover their past failures and in that order they are just trying to bring someone on board. I think it high time for Yahoo to think and then think again before taking/leaking such news in the market.
We got ur point while we would like to know more about the other courses and work and achievements that you did/receive and not mention in ur resume ::)


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All that girl ever thinks about it sex; she's so OBSEXED.
от Toni G 05 юли 2005
Trending Now
Can you define these popular missing words?
being obsessed with the idea of sex with another person.
We accept that Liz has some rack, but Matt is getting obsexed with her by the day!
от scrabbler89 03 декември 2010
To be so obsessed with sex that EVERYTHING is sexual.
Kenny is so obsexed he can't even watch a girl eat a carrot.
от PhoenixLights 19 март 2010
Obsessed with sex in speech, thought, action or theme.
That's what's wrong with the media these days- they're obsexed.
от Kwesi 07 октомври 2007
To be obsessed ( sexually ) with someone or something.
I'm totally obsexed with Benedict Cumberbatch right now, gurl.
от Ellshizzle 25 април 2014


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A piece of poop that is large, solid, and sticks to the side of the toilet. Very hard to flush.
Man, I had to flush the toilet like 10 times to get that stickytard to flush.
dari KomodoStorm Minggu, 08 Juli 2012
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