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Fort Frances Specialty Attractions
• A WorldWeb.com Travel Guide to Specialty Attractions in Fort Frances, Ontario.
The Hallett
The Hallet is a logging boat that was used to haul logs on Rainy Lake until 1974. It was restored by the Fort Frances Museum and can be viewed at Pither's Point Park.
Fort Frances Murals
Fort Frances visitors can view the history of the area in its murals painted on its many side-street walls and buildings. Themes include early settlers and the beginnings of the paper mill industry in the region.


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Microsoft Patch Day Dozen
The software maker will release 12 security bulletins to cover code execution flaws in Windows, Office and Exchange.Microsoft plans to release a dozen security bulletins June 13 to provide fixes for a wide range of critical software vulnerabilities. The June batch of updates will include patches for a critical zero-day flaw in Microsoft Word and an Internet Explorer update that deals with the way the browser handles ActiveX controls.
A Microsoft spokesperson confirmed in an interview with eWEEK that the Microsoft Office update will offer a comprehensive fix for the Word flaw that has been exploited in targeted attacks emanating from China and Taiwan.
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Rajaratnam, Atheros, Lehman, Bayer, Appollo in Court News
Goldman Sachs Group Inc. (GS), McKinsey & Co. and Intel Corp. (INTC) are among the companies that may be sued or suffer damage to their reputations after witnesses at the trial of Galleon Group LLC co-founder Raj Rajaratnam describe insider leaks, Bloomberg News's David Glovin, Patricia Hurtado and Bob Van Voris report.
Rajaratnam, 52, goes on trial today for trading on tips gleaned from sources inside these and other companies, including Morgan Stanley (MS), International Business Machines Corp. (IBM) and Moody's Investors Service Inc. If the billionaire native of Sri Lanka is convicted by a Manhattan jury, U.S. prosecutors may seek to jail him for more than 10 years.
The companies from which the leaks emanated may find themselves in court explaining how sensitive data wound up with traders at Galleon. While the actions of a rogue employee who leaked tips won't justify a lawsuit, evidence that a firm's executives intentionally gave data to favored traders to manipulate share price may be grounds to sue a company, said Mark Rifkin, a New York lawyer who represents investors.
"If a company made a decision for whatever reason that it wanted to make information available to select individuals, that in my opinion would be unlawful," said Rifkin, of Wolf Haldenstein Adler Freeman & Herz LLP, in an interview. "We're paying close attention to the entire insider trading case as it unfolds because you never know what's going to happen."
Rajaratnam denies wrongdoing in a case that is the centerpiece of the largest U.S. crackdown on hedge fund insider trading. Prosecutors said he used tips from a network of traders, corporate officials and colleagues to generate $45 million in profits in a scheme that went on for seven years.
Rajaratnam said his and his funds' trades were based on Galleon research and that investment advisers routinely speak to company insiders in the search for news.
Prosecutors have cited about three dozen companies in which there were tips, some coming from company employees and some from workers at professional firms representing the companies. Proof about the leaks will come from corporate officials, ex- Galleon traders, and wiretaps of Rajaratnam's phone calls in which accused accomplices refer to companies such as Intel and Broadcom Corp., prosecutors said.
The case is U.S. v. Rajaratnam, 1:09-cr-01184, U.S. District Court, Southern District of New York Manhattan).
For more, click here.
For the latest trial and appeals news, click here. For the latest new suits news, click here. For copies of recent civil complaints, click here.
Officials Said to Aim for Foreclosure Deal Within Two Months
State attorneys general and federal officials hope to reach a final settlement with banks over their mortgage-servicing and foreclosure practices within two months, a person familiar with the negotiations said.
The officials, who submitted a 27-page settlement proposal last week to start negotiations, aim to reach an agreement with the banks in six weeks to two months, said the person, who didn't want to be identified because the talks are private.
Attorneys general met yesterday in Washington, where they were scheduled to get an update on the investigation into the mortgage-servicing practices of banks and the efforts to reach a settlement that could overhaul their procedures. The states began the probe last year after complaints that financial institutions submitted faulty paperwork in foreclosure cases.
Homeowner activists protested outside the meeting of the attorneys general, criticizing banks and demanding state and federal officials reach a tough settlement with the companies. They also called for criminal prosecutions.
The proposal given to the banks last week calls for "a binding legal requirement" for how they service loans and conduct home foreclosures, said Geoff Greenwood, a spokesman for Iowa Attorney General Tom Miller. Miller is helping to lead the investigation and settlement talks.
The proposal didn't include the monetary penalties officials would seek.
Tam Ormiston, a deputy attorney general in Iowa, declined to comment yesterday about the settlement discussions. He didn't rule out criminal prosecutions.
Atheros Delays Shareholder Vote on $3 Billion Qualcomm Sale
Atheros Communications Inc. postponed a shareholder vote on a planned $3.2 billion takeover of the company by Qualcomm Inc. (QCOM) after a judge ordered that more information be released about the deal.
The vote was scheduled for yesterday and will be delayed until March 18, San Jose, California-based Atheros said in a statement.
"The proxy statement currently fails to provide the required disclosures" about advisory fees and "all material facts" about deal-negotiations by Craig Barratt, chief executive officer of Atheros, and what he would be paid if the sale goes through, Delaware Chancery Court Judge John Noble said in a 38-page opinion made public yesterday in Wilmington.
Atheros was sued in January by shareholders contending the $45 per-share offer is inadequate. Atheros provides expertise in wireless technology and home-computer networking. Qualcomm, based in San Diego, is the world's largest maker of semiconductor chips for mobile-phones.
"The proposed transaction arose out of a nearly non- existent sales process that was orchestrated" by Barratt, who stands to gain benefits including $24 million in stock options, plaintiffs' lawyer P. Bradford deLeeuw said in court papers.
Molly Mulloy, an Atheros spokeswoman, said in a phone interview the company doesn't think delaying the vote "will impact the completion of our original timetable and we expect to close in the first half of this year."
The consolidated case is In re Atheros Communications Inc. (ATHR) Shareholder Litigation, CA6124, Delaware Chancery Court (Wilmington).
For the latest lawsuits news, click here.
Lehman Mortgage Bondholders Fail to Win Note Default Ruling
Investors in mortgage-backed bonds sold by Lehman Brothers Holdings Inc. (LEHMQ) lost a case to have the notes declared in default, which they'd brought to increase their chances of getting paid earlier.
The Court of Appeal in London upheld a lower court ruling against holders of bonds that were part of the Eurosail-UK 2007- 3BL Plc transaction sold in 2007. Lehman, which filed for bankruptcy protection in September 2008, raised 650 million pounds ($1.1 billion) from the deal, which packaged U.K. home loans into bonds.
BNY Corporate Trustee Services Ltd., the financing's trustee, brought the original case after holders of $405 million of so-called class A3 notes asked it to call an event of default because of the issuer's insolvency. If they'd won, these investors would no longer have had to wait for their money until the more senior class A1 and A2 noteholders were repaid in full, Fitch Ratings said after the original judgment in September.
Yesterday's appeal court judgment "is generally positive" for the U.K. mortgage-backed securities market, said Conor Downey, a London-based partner at law firm Paul Hastings Janofsky & Walker LLP. "Most deals even if they have seen drops in asset values, can apply the decision and form decisions that they are solvent and able to continue to trade," he said.
Eurosail's risk was hedged with interest-rate and currency swaps with Lehman Brothers Special Financing Inc., which were in turn guaranteed by Lehman Brothers. The financing unit filed for bankruptcy a month after its parent, and the swap agreements were terminated in November 2009. Eurosail has filed claims against Lehman Brothers seeking more than $221 million to cover losses.
The case is BNY Corporate Trustee Services Ltd. v. Eurosail-UK 2007-3BL Plc & ors, A2/2010/2046, Court of Appeal (London).
For more, click here.
Bayer's Cipro Accord Won't Be Questioned by U.S. High Court
The U.S. Supreme Court, rebuffing calls to scrutinize "pay for delay" drug settlements, refused to revive a suit accusing Bayer AG (BAYN) of paying almost $400 million to forestall competition to its Cipro antibiotic.
The court, without comment, yesterday rejected an appeal from drugstore chains that sought to press an antitrust suit over a 1997 settlement between Bayer and Barr Laboratories Inc., now part of Teva Pharmaceutical Industries Ltd. (TEVA) Under the accord, Bayer paid Barr $398 million, while Barr dropped its challenge to a Bayer patent and agreed not to sell a generic version of Cipro until June 2003.
Opponents say such settlements are rampant in the drug industry, costing consumers $3.5 billion a year, according to the Federal Trade Commission, which has led the criticism. Consumer advocates and 32 states joined the pharmacies and a drug wholesaler in urging Supreme Court review.
"This case involves one of the most controversial business practices in the United States in one of the most important segments of the economy," the chains argued in their appeal. The group includes two of the three largest U.S. drugstore companies, CVS Caremark Corp. (CVS) and Rite-Aid Corp. (RAD)
The case is Louisiana Wholesale Drug v. Bayer, 10-762, U.S. Supreme Court (Washington).
Apollo Group Rejected by U.S. High Court on $300 Million Award
The U.S. Supreme Court refused to question a jury verdict that may force Apollo Group Inc. (APOL), the owner of the University of Phoenix, to pay more than $300 million for deceiving shareholders.
The justices yesterday rejected an appeal from Apollo, accused of withholding an Education Department report that said the company was illegally paying recruiters on the basis of enrollment numbers. Apollo, the largest U.S. for-profit college operator, said the suing shareholders didn't show that the eventual release of the report's details caused the company's prices to fall.
Exactly how much Apollo must pay will depend on how many shareholders file claims. An expert witness for the suing shareholders testified at trial that the verdict might affect as many as 50 million shares, meaning Apollo would owe $277.5 million, plus interest.
Phoenix-based Apollo has set aside $177 million to cover damages and other litigation costs. The company said in a regulatory filing in January that it estimates damages will be between $127 million to $228 million.
In a court filing in August, the company said the jury verdict "could result in a total payment of an amount between $200 and $300 million." That range represents a "worst-case scenario," said Manny Rivera, a company spokesman.
The dispute stems from an Education Department report delivered to the company privately in February 2004. The report said the company needed to make "substantial and comprehensive changes to the salary compensation system for its recruiters and their direct supervisors."
Apollo agreed to revamp its compensation system and on Sept. 7, 2004, the company announced it was paying $9.8 million to resolve the Education Department's investigation. The company revealed the existence of the report, without providing details.
The following day, the company's shares fell from $82.72 to $82.07, a drop the suing shareholders said would have been greater had the company been upfront about the report. By Sept. 21, after a series of newspaper articles provided more details and a securities analyst had downgraded the stock, shares had fallen to $72.00.
Apollo officials said during the case that they didn't disclose the report because their lawyers told them it was preliminary and flawed.
The case is Apollo Group v. Policeman's Annuity and Benefit Fund of Chicago, 10-649, U.S. Supreme Court (Washington).
For more, click here.
For the latest verdict and settlement news, click here.
To contact the reporter on this story: Elizabeth Amon in Brooklyn, New York, at email@example.com
To contact the editor responsible for this story: John Pickering at email@example.com


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38-40 James Street, Marylebone, LONDON, W1U 1EU
If you hanker after the cuisines of Thailand, Vietnam, China, Japan and Korea, head over to this address near Oxford Street. The menu offers a pan-Asian panoply that includes creative dim sum such as chicken croquettes with yuzu mayo and crispy aromatic duck rolls, alongside classic sushi and sashimi (spicy tuna and spring onion ura maki, say, or salmon sashimi). There are small snacks and salads along the lines of chicken thigh teriyaki skewers and confit duck salad with watermelon, and full-on main courses that run to stir-fried tiger prawn sambal and red duck curry with pineapple and bamboo shoots. Desserts include the exotic sounding yuzu cheesecake with kumquat comp�te.
Tel: 020 7486 1000
Please quote 'The AA'.
Send an email
Dates closed: 25 Dec
Sunday lunch available.
Cooking type: Pan-Asian
Chef: Sherif Hassan
Number of seats: 80
Children welcome.
Children's portions.
A La Carte Dinner Main Course from: £17.00
3 Course dinner from: £40.00
Sunday lunch: £16.00-£18.00
Prices are for guidance only. Please check when booking for current rates.
Nearest station:
Bond St


text:
$600 p/w
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$520 p/w
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We start 2017 with Mark Ward's exhortation that poetry embrace "the callous bark," since "to beautify /the world [we] cannot be contained in stanzas."
Serving My Country: A Call for Submissions
How did being in the military affect your life?
How did being in the military affect your life?
Dad's Safe Journey
The values I assimilated during those trips remain with me today – economy, courtesy, and love for family.
The values I assimilated during those trips remain with me today – economy, courtesy, and love for family.
A.M. Radio
In this timely poem, U.S. Army veteran Dwight Gray offers a stateside soldier's take on xenophobia.
She Taught Him How to Find Meaning in All Those Little Flags
His daughter learned and then taught him the value in honoring the tradition of Memorial Day.
My Father Buys a Ballroom in Shanghai, China, 1944
Lois Roma-Deeley shows how our parents can surprise us in this poem, which is a "war story" in every sense of the term.
Call for Submissions: A Salute to Our Soldiers
Do you have a military hero? Tell us about him in our "For The Love of Men" section.
Veteran and Soldier Voices Have Found Their Home at The Good Men Project
And you can too. Add your voice to the conversation and write for us! Read their thoughts and ideas here. Join the conversation on our Facebook Page. Submit your own articles. Together, we are raising the bar as to what it takes to be good men in the 21st Century.
A veteran father strategizes how to communicate with his ill child in Randy Brown's sweet and unsettling poem.
When Soldiers are no Longer Allowed to do Their Jobs
Iraq Veteran describes how he was replaced by private contractors.
Task 47: Connect With Someone In the Military
Freedom definitely isn't free. Have you connected with those responsible for it's protection?
The Night I Killed a Baby: Another Christmas in Afghanistan
Sometimes, when you least expect it, your life can completely change.
What it Means to Be a Man
Michael Colombini on what it means to be a man from the viewpoint of someone who leads them into battle.
Before April
Guillermo Filice Castro recalls his time serving in the Argentine army during the British invasion of the Falkland Islands in this poem of comradeship and connection between men.
Inside the Mind of a Soldier: 5 Classic Military Stories
Venture onto the battlefield with titles that help you understand the human experience during war.
Thank You for Your Service and Welcome Home!
Veteran: One who wrote a blank check to Uncle Sam for up to and including their life.


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EAST RUTHERFORD, N.J. -- New York Giants running back Ahmad Bradshaw guaranteed he will play this Sunday and when he does, he will return as the starter.
Tom Coughlin said Bradshaw will assume his starting role and Andre Brown will back up Bradshaw. In an interview with ESPN NY 98.7 FM on Tuesday, Bradshaw had "guaranteed" he would play in Sunday night's game against the Philadelphia Eagles.
Bradshaw went through a full practice on Wednesday and will play Sunday night against Philadelphia, barring a setback. Bradshaw injured his neck in the first half against Tampa Bay and missed last Thursday's win over Carolina.
"I feel great as you've seen in practice," Bradshaw said.
In his absence, Brown has shined. He rushed for 184 yards and three touchdowns in the last two games with Bradshaw sidelined. Coughlin said Brown has "definitely" earned a role with his play.
"Our experience ... one year we had three guys (running the ball)," Coughlin said, recalling when the team utilized Brandon Jacobs, Bradshaw and Derrick Ward. "There is a long, long way to go. We are just happy to have an opportunity to develop some players."
Coughlin said the team will go into Sunday night's game with a plan on how to split the carries between Bradshaw and Brown but also said he will ride the hot hand, as well. Bradshaw has rushed for 94 yards and 22 carries with one touchdown this season.
"At this point in time it will be according to however we plan to use them," Coughlin said. "Naturally, we reserve the right of who has the hot hand. So many times it has been Ahmad in that situation."
Coughlin also said cornerback Prince Amukamara, who made his season debut last Thursday after being sidelined with a high ankle sprain, has a "good chance" of starting this week opposite Corey Webster. Webster practiced despite having a broken bone in his hand and will play Sunday.
Wide receiver Hakeem Nicks (foot) did not practice Wednesday but will follow his one-practice-a-week routine and work on Thursday. Offensive tackle David Diehl (knee), cornerback Michael Coe (hamstring), cornerback Jayron Hosley (hamstring) and linebacker Keith Rivers (hamstring) did not practice as well. Safety Antrel Rolle, who banged his knee against a camera in the corner of the end zone in Carolina on Thursday, was limited in practice. Wide receiver Domenik Hixon (concussion) has been cleared and did practice.


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Every year there is at least one of them: a team that comes from major conference obscurity and finds itself in the thick of a conference championship and a BCS bowl.
It may be hard to remember or imagine that just three years ago, Georgia Tech played in the Orange Bowl (against Iowa), and that four years ago, Kansas and Illinois found themselves in major bowls.
Beating out the traditional powers of a conference is no easy task. It takes a unique combination of skill and luck to amass a strong enough record to attract the eyes of the BCS committee.
Every year, experts are on the hunt to find the year's sleeper, yet we are all ultimately surprised when it turns out to be the team that it is.
This article should serve as a forecast that one of the year's surprise teams will be the Illinois Fighting Illini. Surprised by this pick? Read on and see if you agree.


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6 posts tagged with Spirit and rover.
Displaying 1 through 6 of 6. Subscribe:
Mars: Adrift on the Hourglass Sea
Mars: Adrift on the Hourglass Sea. Desolation and the Sublime on a Distant Planet. Mars-inspired artwork, commisioned by NASA, by Kahn & Selesnick (previously). [Via]
Spirit Journey
Mars Rover Spirit's Entire Journey on Mars (A time lapse)
RIP Blythe Spirit
NASA's Jet Propulsion Laboratory has announced: NASA has ended operational planning activities for the Mars rover Spirit and transitioned the Mars Exploration Rover Project to a single-rover operation focused on Spirit's still-active twin, Opportunity. New Scientist has a quality obituary for the little Mars Rover that could.
Spirit's Swan Song?
Real robot drama is happening on Mars today. Spirit, racing for her life to find shelter before winter, injured and underpowered after four years of hard labor, may have made her most significant find yet. The broken foot she's dragged behind her for the past two years unexpectedly uncovered evidence of a once-wet Mars with conditions theoretically hospitable for primitive life.
Brace yourself for immediate disintegration
Mars, take II - Still no word from Beagle 2 (discussed here), unfortunately, as Mars maintains its tough reputation. However, the first of two rovers much larger than 1997's very successful Pathfinder is expected to hit the Martian surface with a giant bounce tonight at 8:35 p.m. PST. Check out the realistic simulation videos of how it will land and get to work, then watch Nasa TV (RealVideo) for live coverage.
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Flagstar Bancorp, Inc. (NYSE:FBC)
Q1 2009 Earnings Call Transcript
April 22, 2009 11:00 am ET
Mark Hammond – Vice Chairman, CEO and President
Thomas Hammond – Chairman
Paul Borja – EVP and CFO
Terry McEvoy – Oppenheimer
Bose George – KBW
Good morning. My name is Leslie, and I'll be your conference operator today. At this time, I would like to welcome everyone to the Q1 2009 investor relations conference call.
(Operator instructions) Thank you. Mr. Hammond, you may begin your conference.
Mark Hammond
Thank you. Good morning everyone. Welcome to Flagstar's first quarter earnings conference call. My name is Mark Hammond, and I am the Chief Executive Officer of Flagstar. Please note that we will be using a PowerPoint presentation during this call. We recommend that you refer to it as we reference it throughout the call. This presentation, as well as our earnings press release that we issued last evening, which contains detailed financial tables, is posted on our Web site in the Investor Relations section at www.flagstar.com.
I'm here today with Thomas Hammond, our Chairman of the Board; and Paul Borja, our Chief Financial Officer. Tom will provide prepared remarks. Then I will talk about our 2009 outlook. Paul and I will then answer questions. Please note that we will be addressing the questions that we receive by email or that have been frequently asked. Before we get started, please first direct your attention to the legal disclaimer on the second page in the presentation. The content of our call today will be governed by that language.
With that, I will turn the call over to our Chairman, Tom Hammond.
Thomas Hammond
Good morning everyone. Thank you for joining us. Please turn to page 3 of the presentation. During our last conference call we announced that our capital plan called us to raise an aggregate of $621 million. During the first quarter, we completed three of the four tranches of these investments. In January, we closed on a $250 million infusion from MP Thrift Investments as well as $266.6 million pursuant to the TARP capital purchase program.
In February, we received an additional $50 million from MP Thrift Investments; and during the second quarter, we expect to raise the final tranche of $50 million in capital from MP Thrift Investments. To our knowledge, no other thrift has successfully raised private capital in this difficult market.
We believe that these investments were made possible by the strength of our mortgage origination and banking franchise, as well as our ability to generate income to offset increasing credit costs without having to add loans to our balance sheet.
Let's discuss how we have utilized the investment proceeds. In the normal course of our business, we have already used these funds to increase our originations of residential first mortgage loans for sale through our existing Fannie Mae, Freddie Mac and Ginnie Mae lending channels and through our residential warehouse leading business. These loans have since been sold and we used the proceeds to make additional residential mortgage loans. The capital we have received has allowed us to meet the growing demand of consumers for affordable, single-family residential mortgage loans either to lower their payments on existing loans or to purchase a home during this period where interest rates are at historically low levels and home values declines have made housing more affordable.
It has also allowed us to continue to expand our residential warehouse lending business, which we view as a natural complement to our mortgage business.
Finally, these investments have increased our capital to levels which are higher than we have historically operated. We will talk in more detail about loan production and capital levels in a few moments.
Please turn to page 4. Last evening we announced our financial results for the first quarter of 2009. During the quarter, we lost $67.4 million, which was significantly less than the $218.5 million loss we experienced in the fourth quarter of 2008. The difficult market environment we faced in the fourth quarter last year carried into the first quarter of this year. We continue to experience deteriorating macroeconomic conditions and plummeting residential home values. The conditions led to continued high credit costs; however, we experienced significant improvement in core earnings from operations.
During the quarter, we had historically high gains on the origination and sale of loans, stronger loan production, and lower finding costs which resulted in improved net interest margins all of which combined to contribute to a pretax pre-credit profit of $144.6 million, which is outlined on page 5. On page 5, you see that in addition to our loan loss provision we incurred a number of other credit related expenses. In the aggregate, credit costs totaled $237.8 million in pretax costs for the quarter.
Let's go through those items individually. Item 1; in the first quarter, we had a provision for loan losses of $158.2 million, of which $68.2 million were in charge-off net of recoveries with the remaining $90 million being used to increase our allowance for loan losses. Our total allowance for loan losses is $466 million as of March 31, 2009. Item 2; we had $24.9 million in assets resolution costs related to valuation adjustments on our real estate owned portfolio which flows through our non-interest expense. Item 3; we had a $17.2 million other than temporary impairment related to several of our available for sale non-agency collateralized mortgage obligations. Item 4; we had a $14.6 million provision for a secondary marketing reserve, which covers expected losses when we repurchase loans or reimburse the purchaser. Item 5; we had a $12.5 million write-down on interest which recorded as unrealized losses on trading security. Item number 6; we had a $10.4 million reserve for anticipated mortgage insurance losses in our captive reinsurance subsidiary, which also flows through our non-interest expense.
Turning to page 6. We had $195.7 million in loan gain sales and our margin on gain on origination and sale of loans increased to 254 basis points as compared to 29 basis points in the fourth quarter of 2008 and 89 basis points in the first quarter of 2008. The margin for loan sale gains was positively impacted by our adoption beginning in 2009 of fair value method of accounting, for the available for sale portfolio of residential mortgage loans that we originate after 2008.
Under the fair value method, we recognize gains or losses on available for sale loans while they are in our portfolio as well as at the time of sale. This resulted in a one-time increase of $22 million in our first quarter 2009 loan sale gains upon adoption of fair value on January 1, 2009 relative to what gain on sales would have been if it had been accounted for under the historical method. Without the effect of the change to fair value accounting, our gain on sale would still have been $173 million for the quarter or 225 basis points. By adopted fair value accounting on our closed loan inventory, we were able to mitigate the accounting lag associated with the gain on sale of loans previously held at lower of cost or market.
Notwithstanding the positive effect in the accounting change, our first quarter 2009 margins on the gain on origination and sale of loans were the highest we have experienced. Throughout the remainder of 2009 we expect these margins will continue to be strong. However, we do not anticipate them to continue at their current levels as we expect there to be more competition as financial institutions return to stability.
Turning to banking. For the first quarter, our bank net interest margin increased to 167 basis points from 161 basis points in the fourth quarter of 2008. With loan production growing in the first quarter, we saw an increased available for sale loan balance, which resulted in higher interest income. We also witnessed a decrease in funding costs although we significantly increased the amount of our retail deposits and our customer base. In addition, we leveraged our large cash position which had negatively impacted our margin in the previous period, through investments at agency mortgage-backed securities. On the other hand, the increase in non-performing assets had a negative effect on the net interest margin.
Now let's talk about loan production. Turning to page 7. We continue to increase our residential first mortgage loan production including FHA production. Turning to page 8, you see in the first quarter we originated $9.5 billion of residential first mortgages as compared to $5.4 billion in the fourth quarter 2008 and $7.8 billion in the first quarter of 2008.
Turning to page 9, you see that at January 2009 loan underwriting volume was the highest monthly level in five years. Page 10 shows our historical loan lock rate commitments. In March 2009, we locked $5.1 billion in loans, the second-highest level in five years only behind December 2008. On page 11, you can see that the loans we closed during the first quarter of 2009 are at the highest quarterly level since 2004.
Page 12 outlines some industry origination rankings. As of the fourth quarter 2008, Flagstar was the ninth largest overall mortgage originator in the nation. We expect to continue to gain market share given our increased originations and also because of competitors exiting the business. Loan administration income reflected a loss of $31.8 million as compared to a loss of $46.2 million for the fourth quarter of 2008. The loan administration fee amount of $40 million earned in the first quarter 2009 for servicing loans was substantially the same as was earned in the fourth quarter 2008.
We experienced a smaller write-down of mortgage servicing rights net of hedging gains of $69.6 million for the first quarter 2009 as compared to $87.5 million net write down during the fourth quarter of 2008. Additionally, we recorded a gain of approximately $24 million on trading securities that were used to hedge the MSR portfolio. Overhead expenses increased by $52.7 million to $182.7 million in the first quarter of 2009, as we focused on underwriting, the increased loan volume, and added collection and workout staff to mitigate delinquent loans. Included in the increase are $41 million of credit and mortgage related costs flowing through our non-interest expense. Also included are $51 million in expense related to the warrants we issued in January 2009 to certain private investors and to the US Treasury as part of our capital raising activities in 2008 and 2009. These warrants must be treated as liabilities rather than equity on our books and so must be marked to market each month.
The US Treasury warrant will be treated as equity once stockholders authorize more shares of common equity which is expected to occur at our annual meeting in May, next month. However, the warrants issued to our investors will remain liabilities that will be marked to market each quarter until exercised.
We continue to monitor overhead and have taken steps to manage compensation expenses, including a current freeze on salaries and bonuses for nearly all employees. In addition, we have reduced executive compensation by suspending bonuses and performance-based pay. Currently, we are reviewing all compensation practices. We are currently finalizing plans to further reduce significant operating overhead during the second quarter. We have gone through an extensive review of our operation, business units and budgets, are in the process of implementing a number of changes. We intend to provide more details in the next quarter of our anticipated cost savings resulting from these initiatives.
Now let's turn to liquidity. Please turn to page 13. During the first quarter, our retail deposits increased to $6.2 billion from $5.4 billion in the fourth quarter of 2008, an increase of 15%. We believe that we were able to increase these retail deposits in a difficult market by maintaining our focus on customer service. While increasing our retail deposit portfolio, we continued to lower our funding costs. Our retail deposit funding cost decreased to 313 basis points at March 31 from 340 basis points at December 31. Additionally, as the interest rates paid on municipal deposits decreased, we saw funding costs on our total deposit portfolio decrease to 283 basis points at March 31 from 330 basis points at December 31.
During the first quarter, we opened two new banking centers bringing our total to 177 at March 31, 2009. Of these, one was in Michigan and one was in Georgia. At this time, we remain focused on managing overhead, and as such we intend on only opening one additional banking center for the remainder of 2009. We have additional sites available to develop but have postponed future expansion until we observe an improvement in the economy. In the first quarter, we opened over 4,300 net new checking accounts. We opened over 1,200 net new savings accounts, and opened over 8,600 net new certificate of deposit accounts. We anticipate that we will be able to continue adding retail customers, while we intend to decrease our reliance on wholesale funding and borrowings.
Now let's talk about our assets. Please turn to page 14. For the quarter our balance sheet increased by $2.6 billion, with total assets of $16.8 billion at March 31, 2009 from $14.2 billion at December 31, 2008. Majority of that increase came from our available for sale loan portfolio, which increased to $3.7 billion at March 31 from $1.5 billion at December 31. Our held-for-investment loan portfolio decreased slightly to $8.9 billion at March 31. This came from normal loan run off.
Slides 15 through 18 provide further analysis of our residential first mortgage portfolio by state, loan-to-value, original FICO scores, and vintage year. Of the loans with an original 80% LTV or higher, virtually all are covered by mortgage insurance.
Let's talk about our non-agency investment securities. Please turn to page 19. During the first quarter 2009, a new accounting standard became effective which requires a company to record a decline in market value on its securities only to the extent that the decline is attributable to a credit loss and the company plans to hold the security. During the first quarter, we had OTTI credit marks of $17.2 million on our non-agency securities available for sale portfolio, which resulted from several of the securities receiving ratings downgrades.
Now let's discuss asset quality. Page 20 identifies our key asset quality ratios. We continue to add significant reserves, increasing our allowance for loan losses to $466 million at the end of the period. Our first quarter provision included net charge-offs of $68.2 million and a $90 million increase in reserves. For the quarter, $25.1 million of net charge-offs were related to first mortgages, $22.6 million was related to commercial real estate, and $18.2 million was related to second mortgages and HELOCs.
Our asset quality by loan type, including a breakout of general and specific reserves is set out on page 21. As you can see, the majority of the specific reserves are related to our commercial real estate portfolio. We also increased our secondary marketing reserve for losses on repurchased loans by $6.4 million compared to a total of $48.9 million at March 31, 2009.
Turning to page 22, you see that the real estate owned net of any FHA insured assets decreased to $106.5 million at March 31 from $109.3 million at December 31, and $136.5 million at March 31, 2008. Repurchased assets were $14.8 million at March 31 as compared to $16.5 million at December 31, and $9.6 million at March 31, 2008.
On page 23, you see our 30, 60, and 90-day-plus delinquency rates. The 90-day-plus delinquency rates still continue to rise. However, the residential and consumer – excluding commercial – 30 and 60-day delinquencies are static, which indicates that the migration rates from the 30 to the 90-day is high. We did not notice a decline in the 30 and 60-day trends through the end of the quarter – we did notice a decline, a slight decline. Although we anticipate further credit losses, we have observed in recent months that the rate of increase in delinquencies in our portfolio has slowed. In the appendix we provide a variety of additional asset quality metrics, both in our residential first mortgage and commercial real estate portfolios.
Now let's turn to capital. Please turn to page 24. As I mentioned earlier, we received a total of $571.9 million in capital during the quarter. Of that, $525 million was invested in the Flagstar Bank, improving bank regulatory capital levels significantly. In addition, we received a capital credit of $32.9 million because we were able to reverse a portion of the OTTI taken in the fourth quarter 2008 due to the new accounting standards. At March 31, 2009, our Tier 1 core capital ratio was 7.22% and our risk-based capital ratio was 13.58%.
With that, let me turn things over to Mark.
Mark Hammond
Thanks, Tom. On page 25 of the presentation, we provide an outlook for 2009 for each of those drivers [ph]. Please note we have refined the list from previous quarters. Target asset size. In our previous outlook, we provided a year-end total asset range between $17 billion and $18.5 billion. We are revising this range to between $14.1 billion and $15.5 billion to reflect our continuing emphasis on maintaining higher regulatory capital levels and also because we will be selling all of our residential mortgage loan production rather than growing the balance sheet.
At March 31, 2009, our total assets were $16.8 billion. As we are not intentionally adding any new loans to our investment portfolio, we plan to shrink the assets through normal loan payouts. Loan runoff is projected to be between $100 million and $200 million per month. In addition, we also intend on reducing our wholesale deposits and our Federal Home Loan Bank borrowings to shrink the liability side of our balance sheet. Our goal is to shrink the balance sheet to run at a higher bank regulatory capital level and we will not look to relever until there is more economic certainty in the marketplace. Although we anticipate shrinking the balance sheet, we anticipate originating more loans in 2009 than we did last year.
Residential mortgage originations. We are slightly raising our prior estimates from a range of $36 billion to $44 billion to a new range of $38 million to $46 million. In the first quarter, we originated $9.5 billion in residential first mortgages even though January, February, and March are historically low origination months. Year to date, we have locked $12.6 billion of residential mortgages and expect those trends to continue throughout 2009.
Loan sales. We still intend to sell virtually all of our production in 2009. Therefore our loan sales for 2009 have been increased to a range of $37 billion to $44 billion. In the first quarter, we originated $9.5 billion of loans, but had loan sales of $8.2 billion. The difference is a result of the timing lag between origination and sale.
Margin on the origination and sale of loans. We are significantly increasing our estimate for margin on the origination and sale of loans to 132 basis points to 142 basis points as we continue to see historically high spreads. Gain on loan sale margin during the first quarter was 254 basis points. We do not anticipate that we will be able to hold these margins, but do think that 2009 will be the best year for mortgage origination profitability in our history.
Net interest margin at the bank level. We are decreasing the estimated range of our bank net interest margin for 2009 from a range of 240 basis points to 270 basis points to a new range of 186 basis points to 196 basis points. Although borrowing costs and deposit costs continue to fall, we are not putting new loans in our investment portfolio, and the rising defaults in the loan portfolio will continue to deteriorate the average yield in our interest earning assets putting pressure on our net interest margin.
Provision expense. We are adding a new driver to our outlook, provision expense. We have completed an extensive cumulative loss projection. We are modeling continued declines in real estate values and worsening unemployment, in line with a bearish market sentiment given that we anticipate provision expenses of a range of 382 million to 422 million in 2009. In the first quarter we have provision expense of $158.2 million, which included replenishment of $68.2 million in charge-offs. Although we anticipate significant continued credit cost throughout the year, we are optimistic for a number of reasons. First, we have a static, seasoned loan portfolio where we feel that our credit costs are manageable, measurable, and predictable. Second, we anticipate that we will have our most profitable mortgage banking origination year ever. Finally, we should continue to see benefits from lower deposit costs, overhead reductions, and from new government programs as they go into widespread utilization.
With that said, let me turn the discussion over to our CFO, Paul Borja, for the question-and-answer session.
Question-and-Answer Session
Paul Borja
Thanks, Mark. We are going to go over some questions we received via e-mail today. Either Mark or I will address them.
Our first questions are from Terry McEvoy of Oppenheimer. Why is there a decline in the number of loan officers and account executives, given the increased mortgage volume that you and the industry are seeing? Mark?
Mark Hammond
Yes, Paul, the primary reason is we are focusing on trying to do more with less. And we are focused on eliminating fixed cost and trying to do more business with high producing variable costs.
Paul Borja
The next questions. Taking into account the adoption of the fair value method of accounting for residential mortgage loans, what was the net impact to Q1 '09 results? Or said another way, if this was not adopted, what would earnings have been in the quarter?
We discussed this briefly in the speech and mentioned that we estimate about $22 million pretax was the effect of the fair value adjustment.
The next question also from Terry, was any of the upside to revenue one-time in nature?
We've discussed the fair value adjustment. There were no other non-recurring revenue items. There are a couple of new items in the expense side. We did have expenses related to our capital offerings, but they are capitalized as part of the overall net proceeds. We did also have, as we mentioned in the speech, new expenses related to the warrants that we issued as part of the capital offerings. Those warrants put off $11 million in expense for Q1, and we expect them to have expenses through the Treasury – we expect the Treasury to have an expense through the time that shares are approved at the stockholders meeting to allow the Treasury warrant to be exercised, and that the warrant issued to the other investors will continue as a liability.
Our next set of questions are from Bose George of KBW. His first question. Even if we pull out your $21.9 million of fair value adjustment, we estimate that you recorded a gain on sale margin of 206 basis points. Is that number correct.
His next question. Can you discuss where that number is trending in second quarter? With that I will turn it to Mark.
Mark Hammond
Yes, we still anticipate stronger gain on sales than we've historically experienced as we indicated in the drivers. However, we do not anticipate that we will be able to hold a 225 gain on sale margin. We expressed that we will be able to do what we said in the drivers, which that will take in the 225 in the average for the year.
Paul Borja
Next question from Bose George. Can you talk about where volume are trending in second quarter versus first quarter '09? Mark?
Mark Hammond
Yes, for the industry as well as for us mortgage volumes are trending higher. However, we are going to be managing our business to approximately do no more than $4 billion a month in production. We could potentially do substantially more, but instead we'll allow for pricing power and try to reflect the ability to do more volume instead in margin and gain on sale. The strategic reason to manage the volume and not to more than $4 billion is, one, so we could manage balance sheet growth. Two, so we could manage the growth of MSRs. And three, so we don't have to balloon our staffing levels to later have to take them down.
Paul Borja
The next question from Bose. How much of a benefit are you seeing from the Home Affordable Refinance program that allows conforming borrowers with high LTVs to refinance?
Mark Hammond
That program is just getting started. We are seeing a lot of activity on it. However, we have an unclarified situation on a large portion of our Fannie and Freddie servicing book. It gets fairly technical, but over the years we had entered into tri-party credit agreements with mortgage insurance companies and Fannie and Freddie Mac to minimize credit exposure. In doing so, we entered into what's referred to as SMC and pool structures. And currently, Fannie and Freddie's Home Affordable Refinance program is not allowing SMC or pool structures in. So a good portion of our book is not eligible at this time. For the portion of book that is eligible, it's a lot of business with a situation that a lot of borrowers who are unable to refinance their home before, particularly due to declining property values, are now able to do so. If Fannie and Freddie are unable to resolve the current issue with finding a way to include loans that have SMC and pool in the Home Affordable Refinance program, the result will be less refinance opportunity. But the positive side will be – that will be a positive for our existing MSR valuation, in as much as the speeds on the runoff won't be as much a concern and the MSR won't have as much potential for write down or impairment.
Paul Borja
As a follow-on to that last question Bose asked, has this materially changed your pull-through rate?
Mark Hammond
No, it has not had a material effect on pullthrough.
Paul Borja
And our last question from Bose. Can you quantify the financial benefits you could get as a servicer from the government's loan modification program that was announced in early March?
Mark Hammond
Not at this time. But we don't feel that it will be material on our Fannie/Freddie servicing because the government fees will offset some of the operating expense service. On our own portfolio, the economics will be hard to determine. A lot will depend on what the net improvement in the re-default rate is, versus or relative to the increased principal and interest write down that we would take on those loans. So only time will tell and it's a little too early to analyze and determine if the government subsidy and the improvement in the re-default rate will offset any concessions that are made to borrowers and writing principal or interest down.
Paul Borja
This concludes our questions for today. With that, I will turn things back to Mark Hammond.
Mark Hammond
Thank you for all joining today and have a good day, everyone. Bye.
Thank you and this concludes today's conference call. You may now disconnect.
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In the Blawg Directory:
- Featured Blawg: BeSpacific
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Posted Aug 14, 2014 05:20 pm CDT
A law student at St. Mary's University law school in Texas has been arrested on charges of attempted murder and arson in connection with a mobile-home fire in Louisiana.
Matthew Edward Alexander, who was preparing to begin his 2L year at the law school, was arrested Tuesday in San Antonio on warrants out of Monroe, Louisiana, Above the Law reports, summarizing coverage by the San Antonio Express-News and Fox San Antonio. The Associated Press also has coverage. He was arrested at the school's Center for Legal and Social Justice after leaving a class, a law school spokesperson said.
A three-sentence press release by the Ouachita Parish Sheriff's police says Alexander was arrested on two counts of attempted second-degree murder, arson and aggravated arson.
The charges stem from a fire which occurred at a trailer home while two persons were inside. The law school is evaluating Alexander's status as a student, according to the Express-News.
Updated at 2:30 p.m. in response to commenter to state that Alexander was to begin his 2L year.
Confidential informant sues; says prosecutors blew his cover, then blamed him for getting shot
Ethics charges reveal new details in case of judge who punched public defender
We welcome your comments, but please adhere to our comment policy and the ABA Code of Conduct.


text:
Exporters get reporting relief
EPA eases annual reporting requirements and thresholds, and exporters are feeling relief, according to Lynn Bergeson in her monthly Compliance Advisor column.01/08/2007
pH sensor stands up to tough conditions
Design provides improved reliability in a polymer-precursor batch reactor. Sensors must respond quickly and survive a harsh environment. Poor probe reliability can make the difference between a process that makes money and one that doesnt.01/08/2007
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Control's Béla Lipták continues his series on control of distillation processes, this time focusing on managing reboiler flow, temperature, feed rate, loading and reflux for economy, stability and safety.01/05/2007
Wal-Mart applies clout
Wal-Mart Stores, Inc., previously committed to reduce by 5% the packaging used by its 60,000 suppliers by 2013. Now, a new initiative uses a scorecard to tackle wasteful packaging.12/05/2006
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Small details in jacketed-pipe configuration can have a big impact, according to Chemical Processing's Contributing Editor Andrew Sloley.12/05/2006
Valve innovation helps with nuclear waste
Valves and actuators designed for handling radioactive waste must meet strict government requirements. This sometimes requires unconventional solutions. Such was the case at the Hanford Waste Treatment Project (WTP), Hanford, Wash.12/05/2006
Tiny reactors aim for big role
Process Intensification (PI) has promised many things but has it fulfilled its promises? When looking at reactor technology, the answer is a definite Yes.11/29/2006
Consider changing the speed not the pump
Chemical Processing's Contributing Editor Andrew Sloley advises that instead of reflexively resorting to brute force to provide enough head, adjusting the pump speed might make for a better solution.11/01/2006
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Handling slurries (a mix of solids and liquids), should be based on experience and experiments, not theory. Much of the knowledge obtained from pneumatic conveyors and fluidization systems can be used in understanding slurries.11/01/2006
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In any industrial control application, using the right drives and motor controls can make or break the project, and also can make a huge difference in how well those applications perform.10/18/2006
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Things are changing at warp speed. Manufacturing companies are collecting large volumes of data from data systems but improvements are possible only if the data are analyzed and developed into useful business parameters.09/29/2006
Washington targets plant security
Federal actions undoubtedly will markedly impact the chemical industry. Nevertheless, we dont know at this point whether federal chemical security legislation will happen in 2006.09/22/2006
Expect tighter particulate matter standards
Tighter particulate matter standards are in our future, according to Regulatory Editor Lynn Bergeson in this month's Compliance Advisor column on ChemicalProcessing.com09/21/2006
Specifying thermal components systematically
A common mistake made when specifying a heater or its components is not fully appreciating interactions. Taking a systems approach when specifying thermal components can help.09/21/2006
Choosing the right contract
A contract can be a stone in your shoe. Knowing which type of contract to choose can make your job easier. Chemical Processing's Senior Editor Dirk Willard provides tips on various types of contracts.09/20/2006
Sasol plant benefits from reliability improvements
Sasol Solvents reduced operating costs by more than $2 million dollars at its plants in Sasolburg, South Africa. The efforts earned the facility the 2005 HART Plant of the Year Award.09/14/2006
Heat integration steps can present control problems
The more energy prices rise, the more heat integration saves. However, heat integration steps can present complex control problems. Slip-ups in putting control systems in place can make operations nearly impossible. That certainly was the case at one unit using heat recovery.09/13/2006
Implementation fatigue
The new market realities of higher and rising energy costs as well as global pressures to reduce fossil fuel intensity have made energy management tracking much more valuable. Learn how to keep energy productivity programs from running out of gas in Peter Garforth's latest Energy Expert column.09/11/2006
HMIs evolve in process control
New HMI technology is putting a whole new (inter)face on how operators view control systems information, while at the same time driving human error out of systems and improving safe work practices.09/11/2006
Innovations in batching, dosing and weighing
Challenges brought on by new regulations and technical problems for batching, dosing and weighing have pushed users to find some innovative and surprising solutions beyond our own industry.09/05/2006


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Carnival Conquest Cruise Review by robint1956: Good starter cruise, if you are not picky
Overall Member Rating
Good starter cruise, if you are not picky
Destination: Bahamas
Embarkation: New Orleans
Ok, there are several good points to the Conquest. Lots of food, creative decoration and friendly staff. But there is not near enough of even the basic amenities. There are two tiny pools full of salt water. Just big enough for you to stand in the water with 40 or so other people. But impossible to swim in. One basketball court. Not even close for a family friendly cruise ship with 3000 people. Two ping pong tables, on deck which means the ball blows away at the slightest breeze. One giant slide (of salt water). Be prepared to wait an hour to slide down it. The shows are good. A magic act, comedians, dance shows. But make sure to get there an hour early, because there are not enough seats. We went with a large group, so each night it was someones job to go save seats, in order that we could see the show. Saving seats is not how I want to spend my vacation. Another few hundred seats in the lounges would have been very helpful. Occasionally, there would be a trivia contest. Again, not More
near enough staff for all of the people that wanted to play. And not near enough opportunities to play.
The food is good, but be prepared to wait for that as well. Often times the line is incredibly long. For no known reason, the food stations are shut down during peak hours. Then you have to go find another station with an incredibly long line. If you are a foody, you will be disappointed. The food is good, not great. What they call Cherries Jubilee is just warmed cherry pie filling.
Most importantly, there are way too many people on this ship. Wherever you go, there are hundreds of people. Even at 11 at night, there is nowhere to go where you can be alone. There are always lots of people around and lots of teens.
Overall, if you have never been on a cruise, this one is cheap and not too bad. I will not go on this one again. I would rather save up and pay for a little more service and a little more privacy. Less
Published 07/30/12
Read more Carnival Conquest cruise reviews >>
Read Cruise Critic's Carnival Conquest Review >>
Cabin review: 4D Interior
If you are on the first floor of the Conquest, you will hear the engines all night. They are loud on the lower deck. The rooms are very small. We had 4 people in our cabin. The beds that drop out of the ceiling are neat. My kids loved them. But someone hit their head on them at least once a day. And they are hard metal. Which hurts a lot.Read All Interior (4D) Reviews >>
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